Are you  financial pressure? It?s more common than you think?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 take the first step toward peace of mind. Visit: https://maps.app.goo.gl/ZYyf374izYSmg2VU7 

## Why Choose Doug Dern

When it comes to navigating debt relief, not all attorneys offer the same level of service. Here?s why The Law Office of Doug Dern stands out: 

• Two decades of legal practice

• - One-on-one access to Doug ? no call centers

• - Flat-fee pricing you can trust

• - Thousands of completed Chapter 7 and Chapter 13 filings

• - Fast file processing with evening and weekend appointments

• - Convenient Hartland office serving Southeast Michigan

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Reach us at **248 882 0838** now for a no-cost consultation and speak personally to Doug Dern.

## What is Chapter 7 Bankruptcy

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

• Retail cards

• - Hospital expenses

• - Unsecured installment loans

• - Overdue energy bills

• - Some back taxes

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Most clients retain personal property by using Michigan?s generous 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 about 90 to 120 days.

Phone us at **248 882 0838** to find out if you can benefit from Chapter 7 bankruptcy.

## Chapter 13 Bankruptcy ? Save Your Home

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

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• Stop bank seizure

• - 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 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**.