you  creditor calls? Millions face the same problem?and a fresh start is just one phone call away. Call **Doug Dern**, a reliable bankruptcy lawyer in Michigan, today at **248 882 0838** and start your journey toward peace of mind. Visit: https://chapter13lawyermichigan.com/services/bankruptcy-lawyer-alpena-mi/ 

## Why Choose Doug Dern

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

• Over 20 years of legal practice

• - Direct access to Doug ? no paralegals

• - Flat-fee pricing you can trust

• - Thousands of successful Chapter 7 and Chapter 13 filings

• - Efficient timelines with evening and weekend appointments

• - Local Hartland office serving Southeast Michigan

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

## The Basics of Chapter 7 Bankruptcy

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Chapter 7 bankruptcy is best for those who want to get rid of credit cards and medical bills. It allows for a quick reset by discharging debt like:

• Retail cards

• - Unpaid healthcare costs

• - Unsecured installment loans

• - Overdue energy bills

• - Old IRS debt

Most clients retain personal property by using Michigan?s protective 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 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 ? Restructure Your Debt

Chapter 13 is a longer-term option for people with a job 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 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.

Get expert advice today by calling **248 882 0838**.