Overwhelmed by  financial pressure? It?s more common than you think?and relief is just one phone call away. Call **Doug Dern**, a experienced Michigan bankruptcy attorney, today at **248 882 0838** and begin moving toward peace of mind. 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 Doug Dern stands out:

• More than 18 years of legal practice

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

• - Flat-fee pricing tailored to your budget

• - Thousands of approved 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 one-on-one with Doug Dern.

## What is Chapter 7 Bankruptcy

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

• Credit cards

• - Hospital expenses

• - Personal loans

• - Overdue energy bills

• - Certain tax obligations

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Most clients retain personal property by using Michigan?s generous 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.

Dial **248 882 0838** to find out if you should consider 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 consistent pay who need to reorganize debt. This plan lasts 3 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.