Are you  debt? Millions face the same problem?and relief is just one phone call away. Contact **Doug Dern**, a reliable bankruptcy lawyer in Michigan, today at **248 882 0838** and take the first step toward financial freedom. Visit: https://sites.google.com/view/bankruptcylawfirmkeegohahs5/home 

## Top Reasons to Hire Doug Dern

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

• Over 20 years of legal practice

• - One-on-one access to Doug ? no call centers

• - Flat-fee pricing with no surprises

• - Thousands of successful Chapter 7 and Chapter 13 filings

• - Quick case starts with flexible appointments

• - Centrally located Hartland office serving Southeast Michigan

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

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## 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:

• Retail cards

• - Unpaid healthcare costs

• - Unsecured installment loans

• - Utility bills

• - Some back taxes

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Most clients keep their homes and vehicles by using Michigan?s protective 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.

Dial **248 882 0838** to find out if you qualify for Chapter 7 bankruptcy.

## Chapter 13 Bankruptcy ? Catch Up and Keep Your Property

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Chapter 13 is a flexible option for people with steady income who need to reorganize debt. This plan lasts 3 to 5 years and allows you to:

• 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 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.