Struggling with creditor calls? 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 begin moving toward peace of mind. Visit: https://chapter7lawyermichigan.com/

## Top Reasons to Hire Doug Dern

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

• Over 20 years of experience

• - One-on-one access to Doug ? no call centers

• - Upfront 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

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Call **248 882 0838** now for a free consultation and speak one-on-one with Doug Dern.

## Understanding Chapter 7 Bankruptcy

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

• Credit cards

• - Medical bills

• - Unsecured installment loans

• - Overdue energy bills

• - Some back taxes

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Most clients do not lose assets 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 under half a year.

Call **248 882 0838** to find out if you qualify for Chapter 7 bankruptcy.

## Chapter 13 Bankruptcy ? Restructure Your Debt

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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 up to 5 years 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.

Ask your questions today by calling **248 882 0838**.