Struggling with financial pressure? You?re not alone?and a fresh start is just one phone call away. Call **Doug Dern**, a reliable Michigan bankruptcy attorney, today at **248 882 0838** and begin moving toward peace of mind. Visit: https://sites.google.com/view/chapter13bankruptcymichily4x/home 

## Why Choose 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:

• Two decades of experience

• - Direct access to Doug ? no paralegals

• - Upfront pricing tailored to your budget

• - Thousands of approved Chapter 7 and Chapter 13 filings

• - Fast file processing with after-hours appointments

• - Local Hartland office serving Southeast Michigan

Reach us at **248 882 0838** now for a free consultation and speak one-on-one with Doug Dern.

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## The Basics of 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 clean slate by discharging debt like:

• Credit cards

• - Hospital expenses

• - Personal loans

• - Utility 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 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 qualify for 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 repay debt. This plan lasts up to 5 years and allows you to:

• Stop bank seizure

• - Avoid car repossession

• - 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.