Struggling with financial pressure? Millions face the same problem?and help is just one phone call away. Call **Doug Dern**, a trusted Michigan bankruptcy attorney, today at **248 882 0838** and begin moving toward a debt-free life. Visit: https://chapter7lawyermichigan.com/chapter-13-bankruptcy

## Why Choose Doug Dern

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

• Two decades of experience

• - One-on-one access to Doug ? no assistants

• - Affordable pricing tailored to your budget

• - 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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Phone **248 882 0838** now for a free consultation and speak one-on-one with Doug Dern.

## The Basics of Chapter 7 Bankruptcy

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

• Charge accounts

• - Unpaid healthcare costs

• - Personal loans

• - Overdue energy 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 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.

Dial **248 882 0838** to find out if you should consider 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 reorganize debt. This plan lasts up to 5 years and allows you to:

• Stop home foreclosure

• - 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.