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

## Top Reasons to Hire Doug Dern

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

• Over 20 years of legal practice

• - Direct access to Doug ? no assistants

• - Upfront pricing with no surprises

• - Thousands of completed Chapter 7 and Chapter 13 filings

• - Efficient timelines with evening and weekend appointments

• - Convenient Hartland office serving Southeast Michigan

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

## The Basics of 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

• - Utility bills

• - Old IRS debt

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Most clients keep their homes and vehicles by using Michigan?s favorable exemptions and reaffirmation agreements.

Doug Dern will personally handle 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 qualify for Chapter 7 bankruptcy.

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

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

• Stop bank seizure

• - Avoid vehicle loss

• - 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.