Feeling  financial pressure? It?s more common than you think?and a fresh start is just one phone call away. Call **Doug Dern**, a experienced bankruptcy lawyer in Michigan, today at **248 882 0838** and take the first step toward financial freedom. Visit: https://sites.google.com/view/bankruptcylawfirmhuntingks/home 

## Top Reasons to Hire Doug Dern

When it comes to navigating 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 experience

• - Personal access to Doug ? no call centers

• - Flat-fee pricing you can trust

• - Thousands of successful Chapter 7 and Chapter 13 filings

• - Fast file processing with flexible appointments

• - Local Hartland office serving Southeast Michigan

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

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## Understanding 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:

• Retail cards

• - Unpaid healthcare costs

• - Personal loans

• - Utility bills

• - Old IRS debt

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Most clients do not lose assets 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 about 90 to 120 days.

Dial **248 882 0838** to find out if you can benefit from Chapter 7 bankruptcy.

## Chapter 13 Bankruptcy ? Save Your Home

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

• 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.