mounting bills? It?s more common than you think?and help 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 financial freedom. Visit: https://chapter7lawyermichigan.com/chapter-7-bankruptcy 

## Top Reasons to Hire Doug Dern

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

• Two decades of experience

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

• - Affordable pricing tailored to your budget

• - Thousands of successful Chapter 7 and Chapter 13 filings

• - Efficient timelines with after-hours appointments

• - Convenient Hartland office serving Southeast Michigan

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Call **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

• - Hospital expenses

• - Unsecured installment loans

• - Utility bills

• - Some back taxes

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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.

Call **248 882 0838** to find out if you qualify for Chapter 7 bankruptcy.

## Chapter 13 Bankruptcy ? Restructure Your Debt

Chapter 13 is a flexible option for people with steady income who need to repay 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 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.

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