Are you  financial pressure? You?re not alone?and help is just one phone call away. Contact **Doug Dern**, a trusted Michigan bankruptcy attorney, today at **248 882 0838** and begin moving toward peace of mind. Visit: https://sites.google.com/view/chapter13bankruptcymichikq7/home 

## Top Reasons to Hire Doug Dern

When it comes to navigating financial law, not all attorneys offer the same level of service. Here?s why Attorney Doug Dern stands out:

• More than 18 years of experience

• - Direct access to Doug ? no assistants

• - Upfront pricing you can trust

• - Thousands of approved Chapter 7 and Chapter 13 filings

• - Quick case starts with after-hours appointments

• - Centrally located Hartland office serving Southeast Michigan

Phone **248 882 0838** now for a zero obligation consultation and speak directly with Doug Dern.

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## The Basics of Chapter 7 Bankruptcy

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

• Credit cards

• - Unpaid healthcare costs

• - Personal loans

• - Overdue energy bills

• - Old IRS debt

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Most clients retain personal property 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 should consider Chapter 7 bankruptcy.

## Chapter 13 Bankruptcy ? Restructure Your Debt

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Chapter 13 is a powerful option for people with a job who need to reorganize debt. This plan lasts up to 5 years and allows you to:

• Stop home foreclosure

• - 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.