debt? It?s more common than you think?and help is just one phone call away. Reach out to **Doug Dern**, a reliable bankruptcy lawyer in Michigan, today at **248 882 0838** and begin moving toward peace of mind. Visit: sites.google.com/view/bankruptcylawfirmberkleys7/home 

## Benefits of Choosing Doug Dern

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

• Two decades of professional success

• - Direct access to Doug ? no assistants

• - Affordable pricing tailored to your budget

• - Thousands of successful Chapter 7 and Chapter 13 filings

• - Quick case starts with evening and weekend appointments

• - Local Hartland office serving Southeast Michigan

Phone **248 882 0838** now for a zero obligation consultation and speak one-on-one with Doug Dern.

Visit: https://chapter7lawyermichigan.com/chapter-13-bankruptcy 

## The Basics of 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

• - Medical bills

• - Personal loans

• - Utility bills

• - Certain tax obligations

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Most clients retain personal property by using Michigan?s favorable 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 about 90 to 120 days.

Dial **248 882 0838** to find out if you should consider Chapter 7 bankruptcy.

## Chapter 13 Bankruptcy ? Save Your Home

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

• Stop losing your house

• - 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.