Are you  debt? It?s more common than you think?and a fresh start is just one phone call away. Call **Doug Dern**, a experienced bankruptcy lawyer in Michigan, today at **248 882 0838** and start your journey toward peace of mind. Visit: https://maps.app.goo.gl/ZYyf374izYSmg2VU7 

## Benefits of Choosing Doug Dern

When it comes to filing bankruptcy, not all attorneys offer the same level of service. Here?s why Attorney Doug Dern stands out: 

• More than 18 years of professional success

• - Direct access to Doug ? no paralegals

• - Affordable pricing tailored to your budget

• - Thousands of successful Chapter 7 and Chapter 13 filings

• - Fast file processing with after-hours appointments

• - Local Hartland office serving Southeast Michigan

Visit: https://maps.app.goo.gl/ZYyf374izYSmg2VU7 

Phone **248 882 0838** now for a zero obligation consultation and speak directly with Doug Dern.

## What is Chapter 7 Bankruptcy

Chapter 7 bankruptcy is best for those who want to get rid of consumer debt. It allows for a clean slate by discharging debt like:

• Charge accounts

• - Unpaid healthcare costs

• - Unsecured installment loans

• - Overdue energy bills

• - Some back taxes

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Most clients do not lose assets by using Michigan?s protective exemptions and reaffirmation agreements.

Doug Dern will walk you through the filing process and ensure you?re fully protected. The average Chapter 7 case is complete in three to six months.

Call **248 882 0838** to find out if you should consider Chapter 7 bankruptcy.

## Chapter 13 Bankruptcy ? Catch Up and Keep Your Property

Chapter 13 is a flexible option for people with a job who need to catch up on debt. This plan lasts 36 to 60 months and allows you to:

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• Stop losing your house

• - Avoid car repossession

• - Pay back taxes and child support over time

• - Consolidate secured and unsecured debts into one monthly payment

• - Keep assets that might be at risk in Chapter 7

Doug Dern will customize a repayment plan that fits your budget and handles all filings for you. The automatic stay goes into effect upon filing?creditors are required by law to stop collections.

Talk to Doug today by calling **248 882 0838**.