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**.
## Do You Need Bankruptcy?
Here are common signs that you may benefit from filing:
Constant collection calls
- Payroll deductions
- Behind on rent
- Facing repossession
- Unable to make minimum payments
Visit: https://chapter7lawyermichigan.com/chapter-13-bankruptcy
Doug Dern is compassionate and listens to your situation without pressure. He?ll tell you exactly what your options are?no sales pitch, just facts.
**Call 248 882 0838** now for a complimentary phone consultation.
## What Working with Doug Dern Looks Like
Here?s what to expect:
No-cost assessment
2. Personalized evaluation of Chapter 7 or Chapter 13 options
3. Doug gathers your documents and handles court filings
4. Immediate protection from creditors via the automatic stay
5. Attend your hearing and receive full legal support throughout
6. Case concludes with a discharge (or plan approval in Chapter 13)
Doug handles every case personally. No outsourcing, ever. **Call 248 882 0838** today to take the first step.
## Michigan Cities We Serve
Doug Dern proudly serves:
Livingston County
- Oakland County
- Washtenaw County
- Genesee County
- Jackson County
- Throughout Southeast Michigan
Appointments are available in-person at Doug?s Hartland office or by phone. Evening and weekend scheduling is offered.
## Begin Your New Financial Chapter
Debt doesn?t get better by ignoring it. If you?re stressed over money, bankruptcy may offer the clean break you need. Doug Dern has helped hundreds of people just like you get a new start.
**Call 248 882 0838** now. Your future is worth the call. Visit: https://chapter7lawyermichigan.com/chapter-7-bankruptcy
Contact:
Law Office of Doug Dern
11636 Highland Rd. #107,
Hartland, MI 48353
Phone: (248) 882-0838
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