Overwhelmed by  debt? It?s more common than you think?and a fresh start is just one phone call away. Reach out to **Doug Dern**, a trusted bankruptcy lawyer in Michigan, today at **248 882 0838** and start your journey toward financial freedom. Visit: https://chapter7lawyermichigan.com/chapter-13-bankruptcy

## Benefits of Choosing Doug Dern

When it comes to filing 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 paralegals

• - Flat-fee pricing with no surprises

• - Thousands of completed Chapter 7 and Chapter 13 filings

• - Quick case starts with flexible appointments

• - Centrally located Hartland office serving Southeast Michigan

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

## What is Chapter 7 Bankruptcy

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

• Charge accounts

• - Medical bills

• - Personal loans

• - Overdue energy bills

• - Old IRS debt

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Most clients do not lose assets by using Michigan?s favorable 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 about 90 to 120 days.

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

## Chapter 13 Bankruptcy ? Restructure Your Debt

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Chapter 13 is a powerful option for people with consistent pay who need to reorganize 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 customize 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.