Feeling  financial pressure? Millions face the same problem?and help is just one phone call away. Call **Doug Dern**, a reliable bankruptcy lawyer in Michigan, today at **248 882 0838** and start your journey toward a debt-free life. Visit: https://sites.google.com/view/chapter13bankruptcymichily4x/home 

## Why Choose 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:

• Two decades of professional success

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

• - Affordable pricing with no surprises

• - Thousands of completed Chapter 7 and Chapter 13 filings

• - Efficient timelines with evening and weekend appointments

• - Local Hartland office serving Southeast Michigan

Phone **248 882 0838** now for a no-cost 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 wipe out consumer debt. It allows for a fresh financial start by discharging debt like:

• Charge accounts

• - Medical bills

• - Unsecured installment loans

• - Overdue energy bills

• - Old IRS debt

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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 three to six months.

Dial **248 882 0838** to find out if you should consider Chapter 7 bankruptcy.

## Chapter 13 Bankruptcy ? Restructure Your Debt

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