Overwhelmed by  financial pressure? You?re not alone?and relief is just one phone call away. Contact **Doug Dern**, a reliable bankruptcy lawyer in Michigan, today at **248 882 0838** and take the first step toward financial freedom. Visit: https://sites.google.com/view/chapter13bankruptcymichily4x/home 

## Benefits of Choosing Doug Dern

When it comes to navigating bankruptcy, 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 paralegals

• - Upfront pricing you can trust

• - Thousands of approved Chapter 7 and Chapter 13 filings

• - Fast file processing with flexible appointments

• - Centrally located Hartland office serving Southeast Michigan

Phone **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 wipe out credit cards and medical bills. It allows for a clean slate by discharging debt like:

• Retail cards

• - Unpaid healthcare costs

• - Personal loans

• - Overdue energy bills

• - Old IRS debt

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Most clients do not lose assets by using Michigan?s protective 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 qualify for Chapter 7 bankruptcy.

## Chapter 13 Bankruptcy ? Save Your Home

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Chapter 13 is a flexible option for people with a job who need to catch up on debt. This plan lasts 36 to 60 months 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 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.