mounting bills? 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 take the first step toward a debt-free life. Visit: https://sites.google.com/view/bankruptcylawfirmhuntingks/home 

## Top Reasons to Hire Doug Dern

When it comes to understanding 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 assistants

• - Flat-fee pricing with no surprises

• - Thousands of successful Chapter 7 and Chapter 13 filings

• - Quick case starts with evening and weekend appointments

• - Local Hartland office serving Southeast Michigan

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

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## The Basics of Chapter 7 Bankruptcy

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

• Charge accounts

• - Hospital expenses

• - Personal loans

• - Utility bills

• - Certain tax obligations

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Most clients do not lose assets by using Michigan?s generous exemptions and reaffirmation agreements.

Doug Dern will walk you through the filing process and ensure you?re fully protected. The average Chapter 7 case is complete in three to six months.

Dial **248 882 0838** to find out if you should consider Chapter 7 bankruptcy.

## Chapter 13 Bankruptcy ? Restructure Your Debt

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Chapter 13 is a powerful option for people with consistent pay who need to catch up on debt. This plan lasts 3 to 5 years and allows you to:

• Stop home foreclosure

• - 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 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.