Are you  creditor calls? It?s more common than you think?and help is just one phone call away. Contact **Doug Dern**, a reliable bankruptcy lawyer in Michigan, today at **248 882 0838** and begin moving toward financial freedom. Visit: https://chapter7lawyermichigan.com/chapter-13-bankruptcy

## Top Reasons to Hire Doug Dern

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

• Over 20 years of professional success

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

• - Affordable pricing you can trust

• - Thousands of completed Chapter 7 and Chapter 13 filings

• - Quick case starts with after-hours appointments

• - Centrally located Hartland office serving Southeast Michigan

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Reach us at **248 882 0838** now for a no-cost consultation and speak personally to Doug Dern.

## Understanding Chapter 7 Bankruptcy

Chapter 7 bankruptcy is best for those who want to get rid of credit cards and medical bills. It allows for a fresh financial start by discharging debt like:

• Credit cards

• - Unpaid healthcare costs

• - Personal loans

• - Utility bills

• - Some back taxes

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Most clients retain personal property by using Michigan?s generous 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 under half a year.

Dial **248 882 0838** to find out if you can benefit from Chapter 7 bankruptcy.

## Chapter 13 Bankruptcy ? Save Your Home

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

• Stop losing your house

• - 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 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.