mounting bills? You?re not alone?and relief is just one phone call away. Contact **Doug Dern**, a trusted Michigan bankruptcy attorney, today at **248 882 0838** and begin moving toward a debt-free life. Visit: https://sites.google.com/view/chapter13bankruptcymichikq7/home 

## Why Choose Doug Dern

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

• Two decades of legal practice

• - Direct access to Doug ? no paralegals

• - Flat-fee pricing with no surprises

• - Thousands of successful Chapter 7 and Chapter 13 filings

• - Efficient timelines with evening and weekend appointments

• - Convenient Hartland office serving Southeast Michigan

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

Visit: https://maps.app.goo.gl/ZYyf374izYSmg2VU7 

## What is 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:

• Credit cards

• - Unpaid healthcare costs

• - Personal loans

• - Utility bills

• - Certain tax obligations

Visit: https://www.yelp.com/biz/doug-dern-hartland 

Most clients do not lose assets by using Michigan?s generous 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 three to six months.

Phone us at **248 882 0838** to find out if you should consider Chapter 7 bankruptcy.

## Chapter 13 Bankruptcy ? Catch Up and Keep Your Property

Visit: https://sites.google.com/view/drunkdrivingattorney9/ 

Chapter 13 is a longer-term option for people with steady income who need to repay debt. This plan lasts 3 to 5 years 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.