Are you  creditor calls? It?s more common than you think?and a fresh start is just one phone call away. Call **Doug Dern**, a trusted Michigan bankruptcy attorney, today at **248 882 0838** and start your journey toward peace of mind. Visit: https://chapter7lawyermichigan.com/chapter-7-bankruptcy 

## Benefits of Choosing Doug Dern

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

• Over 20 years of experience

• - Direct access to Doug ? no paralegals

• - Upfront pricing tailored to your budget

• - Thousands of completed Chapter 7 and Chapter 13 filings

• - Quick case starts with evening and weekend appointments

• - Local Hartland office serving Southeast Michigan

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Phone **248 882 0838** now for a no-cost consultation and speak directly with Doug Dern.

## What is Chapter 7 Bankruptcy

Chapter 7 bankruptcy is best for those who want to get rid of unsecured debt. It allows for a fresh financial start by discharging debt like:

• Charge accounts

• - Hospital expenses

• - Personal loans

• - Overdue energy bills

• - Old IRS debt

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Most clients retain personal property 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.

Phone us at **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 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 vehicle loss

• - 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**.