Are you  mounting bills? You?re not alone?and help is just one phone call away. Reach out to **Doug Dern**, a experienced Michigan bankruptcy attorney, today at **248 882 0838** and start your journey toward peace of mind. Visit: https://chapter13lawyermichigan.com/services/bankruptcy-lawyer-alpena-mi/ 

## Benefits of Choosing Doug Dern

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

• More than 18 years of legal practice

• - Personal access to Doug ? no paralegals

• - Flat-fee pricing you can trust

• - Thousands of completed Chapter 7 and Chapter 13 filings

• - Efficient timelines with after-hours appointments

• - Centrally located Hartland office serving Southeast Michigan

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

## What is Chapter 7 Bankruptcy

Visit: https://www.merchantcircle.com/the-law-office-of-doug-dern1-hartland-mi 

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

• Charge accounts

• - Hospital expenses

• - Unsecured installment loans

• - Utility bills

• - Old IRS debt

Most clients keep their homes and vehicles by using Michigan?s protective 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 about 90 to 120 days.

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

Visit: https://www.manta.com/c/m1x8j8b/the-law-office-of-doug-dern 

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

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 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**.