Overwhelmed by  financial pressure? You?re not alone?and a fresh start is just one phone call away. Contact **Doug Dern**, a reliable Michigan bankruptcy attorney, today at **248 882 0838** and start your journey toward financial freedom. Visit: https://sites.google.com/view/chapter13bankruptcymichikq7/home 

## 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 professional success

• - Direct access to Doug ? no call centers

• - Flat-fee pricing with no surprises

• - Thousands of successful Chapter 7 and Chapter 13 filings

• - Efficient timelines with after-hours appointments

• - Centrally located Hartland office serving Southeast Michigan

Phone **248 882 0838** now for a no-cost consultation and speak directly with Doug Dern.

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## What is Chapter 7 Bankruptcy

Chapter 7 bankruptcy is best for those who want to eliminate credit cards and medical bills. It allows for a fresh financial start by discharging debt like:

• Credit cards

• - Medical bills

• - Personal loans

• - Overdue energy bills

• - Certain tax obligations

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Most clients keep their homes and vehicles by using Michigan?s favorable exemptions and reaffirmation agreements.

Doug Dern will personally handle the filing process and ensure you?re fully protected. The average Chapter 7 case is complete in about 90 to 120 days.

Call **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 powerful option for people with steady income who need to reorganize 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 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.