Are you financial pressure? You?re not alone?and a fresh start is just one phone call away. Reach out to **Doug Dern**, a trusted bankruptcy lawyer in Michigan, today at **248 882 0838** and start your journey toward a debt-free life. Visit: https://chapter7lawyermichigan.com/
## Why Choose Doug Dern
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When it comes to navigating debt relief, not all attorneys offer the same level of service. Here?s why Doug Dern stands out:
More than 18 years of experience
- Personal access to Doug ? no call centers
- Upfront pricing you can trust
- Thousands of successful Chapter 7 and Chapter 13 filings
- Efficient timelines with after-hours appointments
- Local Hartland office serving Southeast Michigan
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Phone **248 882 0838** now for a no-cost consultation and speak directly with Doug Dern.
## Understanding Chapter 7 Bankruptcy
Chapter 7 bankruptcy is best for those who want to wipe out unsecured debt. It allows for a quick reset by discharging debt like:
Credit cards
- Unpaid healthcare costs
- Unsecured installment loans
- Utility 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 walk you through the filing process and ensure you?re fully protected. The average Chapter 7 case is complete in about 90 to 120 days.
Dial **248 882 0838** to find out if you qualify for Chapter 7 bankruptcy.
## Chapter 13 Bankruptcy ? Catch Up and Keep Your Property
Chapter 13 is a longer-term option for people with a job who need to catch up on debt. This plan lasts 3 to 5 years and allows you to:
Stop losing your house
- 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.
Ask your questions today by calling **248 882 0838**.
## Do You Need Bankruptcy?
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Here are common signs that you may benefit from filing:
Constant payment reminders
- Loss of income to lawsuits
- Behind on rent
- Facing repossession
- Unable to catch up on bills
Doug Dern is compassionate and listens to your situation without pressure. He?ll tell you exactly what your options are?no sales pitch, just facts.
**Call 248 882 0838** now for a complimentary phone consultation.
## What Working with Doug Dern Looks Like
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Here?s what to expect:
Initial call with Doug
2. Personalized evaluation of Chapter 7 or Chapter 13 options
3. Doug gathers your documents and handles court filings
4. Immediate protection from creditors via the automatic stay
5. Attend your hearing and receive full legal support throughout
6. Case concludes with a discharge (or plan approval in Chapter 13)
Doug handles every case personally. No middlemen, ever. **Call 248 882 0838** today to take the first step.
## Service Area
Doug Dern proudly serves:
Livingston County
- Oakland County
- Washtenaw County
- Genesee County
- Jackson County
- Plus nearby towns
Appointments are available in-person at Doug?s Hartland office or by phone. Evening and weekend scheduling is offered.
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## Make the Call Today
Debt doesn?t get better by ignoring it. If you?re anxious over money, bankruptcy may offer the clean break you need. Doug Dern has helped hundreds of people just like you get a new start. Visit: https://chapter7lawyermichigan.com/
**Call 248 882 0838** now. Your future is worth the call.
Contact:
Law Office of Doug Dern
11636 Highland Rd. #107,
Hartland, MI 48353
Phone: (248) 882-0838
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