Feeling  creditor calls? It?s more common than you think?and a fresh start is just one phone call away. Reach out to **Doug Dern**, a experienced Michigan bankruptcy attorney, today at **248 882 0838** and start your journey toward a debt-free life. Visit: https://chapter7lawyermichigan.com/chapter-7-bankruptcy 

## Why Choose Doug Dern

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

• Over 20 years of experience

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

• - Affordable pricing you can trust

• - Thousands of successful Chapter 7 and Chapter 13 filings

• - Efficient timelines with flexible appointments

• - Local Hartland office serving Southeast Michigan

Visit: https://maps.app.goo.gl/ZYyf374izYSmg2VU7 

Phone **248 882 0838** now for a free consultation and speak personally to Doug Dern.

## Understanding Chapter 7 Bankruptcy

Chapter 7 bankruptcy is best for those who want to wipe out consumer debt. It allows for a clean slate by discharging debt like:

• Retail cards

• - Medical bills

• - Unsecured installment loans

• - Overdue energy bills

• - Certain tax obligations

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Most clients retain personal property by using Michigan?s generous 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 should consider Chapter 7 bankruptcy.

## Chapter 13 Bankruptcy ? Restructure Your Debt

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 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 develop 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**.