with debt? It?s more common than you think?and relief is just one phone call away. Call **Doug Dern**, a trusted bankruptcy lawyer in Michigan, today at **248 882 0838** and take the first step toward financial freedom. Visit: https://chapter7lawyermichigan.com/chapter-13-bankruptcy

## Top Reasons to Hire 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:

• More than 18 years of experience

• - One-on-one access to Doug ? no call centers

• - Upfront pricing tailored to your budget

• - Thousands of completed Chapter 7 and Chapter 13 filings

• - Efficient timelines with after-hours appointments

• - Local Hartland office serving Southeast Michigan

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Reach us at **248 882 0838** now for a free consultation and speak personally to Doug Dern.

## What is Chapter 7 Bankruptcy

Chapter 7 bankruptcy is best for those who want to eliminate unsecured debt. It allows for a clean slate by discharging debt like:

• Credit cards

• - Medical bills

• - Unsecured installment loans

• - Overdue energy bills

• - Certain tax obligations

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Most clients do not lose assets 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 can benefit from 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 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.