Struggling with debt? You?re not alone?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 peace of mind. 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 experience

• - Direct access to Doug ? no paralegals

• - Flat-fee pricing tailored to your budget

• - Thousands of approved Chapter 7 and Chapter 13 filings

• - Efficient timelines with evening and weekend appointments

• - Centrally located Hartland office serving Southeast Michigan

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Call **248 882 0838** now for a free consultation and speak personally to 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

• - Unsecured installment loans

• - Overdue energy bills

• - Some back taxes

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Most clients retain personal property by using Michigan?s favorable 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 three to six months.

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

## Chapter 13 Bankruptcy ? Catch Up and Keep Your Property

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Chapter 13 is a flexible option for people with steady income who need to repay debt. This plan lasts 36 to 60 months and allows you to:

• Stop home foreclosure

• - 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.

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