Overwhelmed by  debt? You?re not alone?and relief is just one phone call away. Reach out to **Doug Dern**, a reliable Michigan bankruptcy attorney, today at **248 882 0838** and begin moving toward peace of mind. Visit: https://sites.google.com/view/bankruptcylawfirmhuntingks/home 

## Benefits of Choosing Doug Dern

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

• More than 18 years of professional success

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

• - Flat-fee pricing tailored to your budget

• - Thousands of approved Chapter 7 and Chapter 13 filings

• - Fast file processing with evening and weekend appointments

• - Convenient Hartland office serving Southeast Michigan

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

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## What is Chapter 7 Bankruptcy

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

• Charge accounts

• - Hospital expenses

• - Personal loans

• - Utility bills

• - Old IRS debt

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Most clients keep their homes and vehicles by using Michigan?s favorable 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 qualify for Chapter 7 bankruptcy.

## Chapter 13 Bankruptcy ? Restructure Your Debt

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Chapter 13 is a longer-term option for people with a job who need to reorganize debt. This plan lasts 36 to 60 months 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 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.