Feeling  debt? Millions face the same problem?and relief is just one phone call away. Contact **Doug Dern**, a experienced bankruptcy lawyer in Michigan, today at **248 882 0838** and begin moving toward a debt-free life. Visit: https://sites.google.com/view/bankruptcylawfirmkeegohahs5/home 

## Benefits of Choosing Doug Dern

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

• More than 18 years of professional success

• - Personal access to Doug ? no assistants

• - Upfront pricing with no surprises

• - Thousands of successful Chapter 7 and Chapter 13 filings

• - Efficient timelines with evening and weekend appointments

• - Local Hartland office serving Southeast Michigan

Reach us at **248 882 0838** now for a zero obligation 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 credit cards and medical bills. It allows for a clean slate by discharging debt like:

• Retail cards

• - Medical bills

• - Personal loans

• - Overdue energy bills

• - Certain tax obligations

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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 about 90 to 120 days.

Call **248 882 0838** to find out if you qualify for 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 repay debt. This plan lasts 3 to 5 years and allows you to:

• Stop bank seizure

• - 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.