Overwhelmed by  mounting bills? Millions face the same problem?and relief is just one phone call away. Contact **Doug Dern**, a reliable Michigan bankruptcy attorney, today at **248 882 0838** and take the first step toward financial freedom. Visit: sites.google.com/view/bankruptcylawfirmberkleys7/home 

## Why Choose Doug Dern

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

• Over 20 years of legal practice

• - One-on-one access to Doug ? no assistants

• - Affordable pricing with no surprises

• - Thousands of completed Chapter 7 and Chapter 13 filings

• - Efficient timelines with flexible appointments

• - Local Hartland office serving Southeast Michigan

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

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

## Understanding Chapter 7 Bankruptcy

Chapter 7 bankruptcy is best for those who want to wipe out consumer debt. It allows for a quick reset by discharging debt like:

• Credit cards

• - Medical bills

• - Unsecured installment loans

• - Utility bills

• - Old IRS debt

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Most clients keep their homes and vehicles 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 should consider Chapter 7 bankruptcy.

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

Visit: https://chapter7lawyermichigan.com/ 

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

• Stop home foreclosure

• - 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.