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

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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**.