Struggling with debt? You?re not alone?and help is just one phone call away. Contact **Doug Dern**, a experienced Michigan bankruptcy attorney, today at **248 882 0838** and take the first step toward financial freedom. Visit: https://chapter7lawyermichigan.com/ 

## Why Choose Doug Dern

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

• Over 20 years of professional success

• - Direct access to Doug ? no call centers

• - Affordable pricing tailored to your budget

• - Thousands of approved Chapter 7 and Chapter 13 filings

• - Fast file processing with evening and weekend appointments

• - Convenient Hartland office serving Southeast Michigan

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Phone **248 882 0838** now for a free consultation and speak directly with Doug Dern.

## Understanding Chapter 7 Bankruptcy

Chapter 7 bankruptcy is best for those who want to get rid of unsecured debt. It allows for a quick reset by discharging debt like:

• Charge accounts

• - Hospital expenses

• - Personal loans

• - Overdue energy bills

• - Some back taxes

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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 three to six months.

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

## Chapter 13 Bankruptcy ? Restructure Your Debt

Chapter 13 is a flexible option for people with consistent pay who need to catch up on debt. This plan lasts 3 to 5 years and allows you to:

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• 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.

Get expert advice today by calling **248 882 0838**.