Struggling with debt? You?re not alone?and relief is just one phone call away. Contact **Doug Dern**, a experienced bankruptcy lawyer in Michigan, today at **248 882 0838** and start your journey toward a debt-free life. Visit: https://maps.app.goo.gl/ZYyf374izYSmg2VU7 

## Why Choose Doug Dern

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

• More than 18 years of legal practice

• - Direct access to Doug ? no paralegals

• - Upfront pricing with no surprises

• - Thousands of approved Chapter 7 and Chapter 13 filings

• - Quick case starts with after-hours appointments

• - Convenient Hartland office serving Southeast Michigan

Reach us at **248 882 0838** now for a free consultation and speak directly with Doug Dern.

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

## The Basics of Chapter 7 Bankruptcy

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

• Retail cards

• - Unpaid healthcare costs

• - Personal loans

• - Overdue energy bills

• - Some back taxes

Most clients retain personal property 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 about 90 to 120 days.

Phone us at **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 reorganize debt. This plan lasts 36 to 60 months 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 develop 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**.