Feeling  creditor calls? You?re not alone?and help is just one phone call away. Contact **Doug Dern**, a reliable bankruptcy lawyer in Michigan, today at **248 882 0838** and take the first step toward a debt-free life. Visit: https://chapter7lawyermichigan.com/chapter-7-bankruptcy 

## Top Reasons to Hire Doug Dern

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

• Over 20 years of legal practice

• - Direct access to Doug ? no call centers

• - Upfront pricing tailored to your budget

• - Thousands of approved Chapter 7 and Chapter 13 filings

• - Quick case starts 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.

## The Basics of Chapter 7 Bankruptcy

Chapter 7 bankruptcy is best for those who want to eliminate credit cards and medical bills. It allows for a quick reset by discharging debt like:

• Charge accounts

• - Hospital expenses

• - Personal loans

• - Utility bills

• - Some back taxes

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Most clients keep their homes and vehicles by using Michigan?s generous 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 about 90 to 120 days.

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 flexible option for people with steady income who need to repay debt. This plan lasts 3 to 5 years 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.

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