Struggling with debt? It?s more common than you think?and help is just one phone call away. Call **Doug Dern**, a experienced Michigan bankruptcy attorney, today at **248 882 0838** and begin moving toward peace of mind. Visit: https://sites.google.com/view/chapter13bankruptcymichim6/home 

## Top Reasons to Hire Doug Dern

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

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• More than 18 years of legal practice

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

• - Upfront pricing with no surprises

• - Thousands of completed Chapter 7 and Chapter 13 filings

• - Quick case starts with evening and weekend appointments

• - Convenient Hartland office serving Southeast Michigan

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

## The Basics of Chapter 7 Bankruptcy

Chapter 7 bankruptcy is best for those who want to get rid of unsecured debt. It allows for a quick reset by discharging debt like:

• Credit cards

• - Hospital expenses

• - Unsecured installment loans

• - Overdue energy bills

• - Some back taxes

Most clients retain personal property by using Michigan?s protective 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.

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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 powerful option for people with consistent pay who need to repay 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.

Get expert advice today by calling **248 882 0838**.

## Signs It?s Time to File