Are you  mounting bills? It?s more common than you think?and help is just one phone call away. Call **Doug Dern**, a experienced bankruptcy lawyer in Michigan, today at **248 882 0838** and take the first step toward a debt-free life. Visit: https://maps.app.goo.gl/ZYyf374izYSmg2VU7 

## Top Reasons to Hire Doug Dern

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

• Two decades of experience

• - One-on-one access to Doug ? no assistants

• - Affordable pricing with no surprises

• - Thousands of completed Chapter 7 and Chapter 13 filings

• - Quick case starts with after-hours appointments

• - Local Hartland office serving Southeast Michigan

Phone **248 882 0838** now for a free consultation and speak one-on-one 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 unsecured debt. It allows for a clean slate by discharging debt like:

• Retail cards

• - Unpaid healthcare costs

• - Personal loans

• - Utility bills

• - Certain tax obligations

Most clients retain personal property 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 three to six months.

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

## Chapter 13 Bankruptcy ? Save Your Home

Chapter 13 is a longer-term option for people with steady income who need to reorganize debt. This plan lasts 3 to 5 years and allows you to:

• Stop bank seizure

• - 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 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**.