Struggling with debt? You?re not alone?and relief is just one phone call away. Contact **Doug Dern**, a trusted bankruptcy lawyer in Michigan, today at **248 882 0838** and take the first step toward financial freedom. Visit: https://maps.app.goo.gl/ZYyf374izYSmg2VU7

## Benefits of Choosing Doug Dern

When it comes to understanding debt relief, 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 paralegals

• - Flat-fee pricing with no surprises

• - Thousands of approved Chapter 7 and Chapter 13 filings

• - Quick case starts with evening and weekend appointments

• - Centrally located Hartland office serving Southeast Michigan

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

## What is Chapter 7 Bankruptcy

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

• Credit cards

• - Medical bills

• - Personal loans

• - Overdue energy bills

• - Old IRS debt

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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.

Phone us at **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 powerful option for people with a job who need to reorganize debt. This plan lasts 3 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 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.

Talk to Doug today by calling **248 882 0838**.