by  mounting bills? You?re not alone?and help is just one phone call away. Contact **Doug Dern**, a reliable bankruptcy lawyer in Michigan, today at **248 882 0838** and start your journey toward peace of mind. Visit: https://sites.google.com/view/bankruptcylawfirmkeegohahs5/home 

## Why Choose Doug Dern

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

• Two decades of experience

• - Direct access to Doug ? no assistants

• - Upfront pricing with no surprises

• - Thousands of completed Chapter 7 and Chapter 13 filings

• - Efficient timelines with after-hours appointments

• - Centrally located Hartland office serving Southeast Michigan

Reach us at **248 882 0838** now for a no-cost consultation and speak one-on-one with Doug Dern.

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## Understanding Chapter 7 Bankruptcy

Chapter 7 bankruptcy is best for those who want to get rid of credit cards and medical bills. It allows for a clean slate by discharging debt like:

• Charge accounts

• - Hospital expenses

• - Unsecured installment loans

• - Overdue energy bills

• - Old IRS debt

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Most clients retain personal property by using Michigan?s protective 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 under half a year.

Call **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 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 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 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.