Feeling  mounting bills? It?s more common than you think?and relief is just one phone call away. Contact **Doug Dern**, a experienced Michigan bankruptcy attorney, 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 filing financial law, not all attorneys offer the same level of service. Here?s why Doug Dern stands out:

• More than 18 years of legal practice

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

• - Upfront pricing you can trust

• - Thousands of completed Chapter 7 and Chapter 13 filings

• - Fast file processing with flexible appointments

• - Local Hartland office serving Southeast Michigan

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

## The Basics of Chapter 7 Bankruptcy

Chapter 7 bankruptcy is best for those who want to eliminate unsecured debt. It allows for a fresh financial start by discharging debt like:

• Retail cards

• - Medical bills

• - Personal loans

• - Utility bills

• - Certain tax obligations

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Most clients retain personal property by using Michigan?s generous exemptions and reaffirmation agreements.

Doug Dern will guide you step by step 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 can benefit from Chapter 7 bankruptcy.

## Chapter 13 Bankruptcy ? Restructure Your Debt

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Chapter 13 is a longer-term option for people with consistent pay who need to repay debt. This plan lasts 36 to 60 months and allows you to:

• Stop losing your house

• - 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 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.

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