Feeling  mounting bills? It?s more common than you think?and help is just one phone call away. Call **Doug Dern**, a experienced Michigan bankruptcy attorney, today at **248 882 0838** and take the first step toward peace of mind. Visit: https://chapter7lawyermichigan.com/chapter-7-bankruptcy

## Benefits of Choosing Doug Dern

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

• More than 18 years of experience

• - Direct access to Doug ? no assistants

• - Flat-fee pricing tailored to your budget

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

## The Basics of Chapter 7 Bankruptcy

Chapter 7 bankruptcy is best for those who want to eliminate consumer debt. It allows for a fresh financial start by discharging debt like:

• Retail cards

• - Medical bills

• - Unsecured installment loans

• - Overdue energy bills

• - Certain tax obligations

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Most clients keep their homes and vehicles by using Michigan?s protective 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 under half a year.

Dial **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 consistent pay who need to reorganize debt. This plan lasts 36 to 60 months and allows you to:

• Stop bank seizure

• - 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.

Get expert advice today by calling **248 882 0838**.