with financial pressure? Millions face the same problem?and a fresh start is just one phone call away. Contact **Doug Dern**, a trusted bankruptcy lawyer in Michigan, today at **248 882 0838** and begin moving toward a debt-free life. Visit: https://sites.google.com/view/chapter7exemptionsmilforsz/home 

## Benefits of Choosing 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:

• Over 20 years of experience

• - Direct access to Doug ? no paralegals

• - Affordable pricing you can trust

• - Thousands of successful Chapter 7 and Chapter 13 filings

• - Fast file processing with after-hours appointments

• - Local Hartland office serving Southeast Michigan

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

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## Understanding Chapter 7 Bankruptcy

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

• Retail cards

• - Unpaid healthcare costs

• - Personal loans

• - Utility bills

• - Some back taxes

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

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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.

Phone us at **248 882 0838** to find out if you can benefit from Chapter 7 bankruptcy.

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

Chapter 13 is a powerful option for people with a job who need to reorganize 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

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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.