Overwhelmed by  debt? You?re not alone?and a fresh start is just one phone call away. Reach out to **Doug Dern**, a trusted Michigan bankruptcy attorney, 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 Doug Dern stands out: 

• More than 18 years of experience

• - Personal access to Doug ? no paralegals

• - Upfront pricing with no surprises

• - Thousands of approved Chapter 7 and Chapter 13 filings

• - Quick case starts with after-hours appointments

• - Centrally located Hartland office serving Southeast Michigan

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

## The Basics of Chapter 7 Bankruptcy

Chapter 7 bankruptcy is best for those who want to wipe out consumer debt. It allows for a quick reset by discharging debt like:

• Charge accounts

• - Hospital expenses

• - Personal loans

• - Overdue energy bills

• - Certain tax obligations

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

Doug Dern will guide you step by step 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 can benefit from Chapter 7 bankruptcy.

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

Chapter 13 is a longer-term option for people with consistent pay who need to repay debt. This plan lasts 3 to 5 years and allows you to:

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• Stop home foreclosure

• - Avoid vehicle loss

• - 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 structure 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.

Ask your questions today by calling **248 882 0838**.