Feeling  mounting bills? It?s more common than you think?and a fresh start is just one phone call away. Reach out to **Doug Dern**, a reliable bankruptcy lawyer in Michigan, today at **248 882 0838** and begin moving toward a debt-free life. Visit: https://chapter7lawyermichigan.com/chapter-7-bankruptcy 

## Benefits of Choosing Doug Dern

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

• Over 20 years of professional success

• - One-on-one access to Doug ? no paralegals

• - Upfront pricing you can trust

• - Thousands of approved Chapter 7 and Chapter 13 filings

• - Efficient timelines with flexible appointments

• - Centrally located Hartland office serving Southeast Michigan

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

## What is Chapter 7 Bankruptcy

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

• Retail cards

• - Hospital expenses

• - Unsecured installment loans

• - Utility bills

• - Certain tax obligations

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Most clients retain personal property by using Michigan?s favorable exemptions and reaffirmation agreements.

Doug Dern will personally handle 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 ? Save Your Home

Chapter 13 is a longer-term option for people with consistent pay who need to reorganize debt. This plan lasts up to 5 years 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.

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