Struggling with financial pressure? It?s more common than you think?and relief is just one phone call away. Call **Doug Dern**, a trusted 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 understanding financial law, not all attorneys offer the same level of service. Here?s why Doug Dern stands out:

• Over 20 years of experience

• - Direct access to Doug ? no assistants

• - Upfront pricing with no surprises

• - Thousands of successful Chapter 7 and Chapter 13 filings

• - Fast file processing with after-hours appointments

• - Convenient 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.

## What is Chapter 7 Bankruptcy

Chapter 7 bankruptcy is best for those who want to wipe out credit cards and medical bills. It allows for a clean slate by discharging debt like:

• Credit cards

• - Medical bills

• - Personal loans

• - Overdue energy bills

• - Certain tax obligations

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Most clients do not lose assets 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 about 90 to 120 days.

Dial **248 882 0838** to find out if you qualify for Chapter 7 bankruptcy.

## Chapter 13 Bankruptcy ? Restructure Your Debt

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Chapter 13 is a flexible option for people with steady income who need to reorganize debt. This plan lasts 36 to 60 months 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 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.