Overwhelmed by  mounting bills? You?re not alone?and relief is just one phone call away. Reach out to **Doug Dern**, a trusted Michigan bankruptcy attorney, today at **248 882 0838** and start your journey toward financial freedom. Visit: https://sites.google.com/view/chapter7exemptionsmilforsz/home 

## Top Reasons to Hire 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:

• More than 18 years of professional success

• - Direct access to Doug ? no assistants

• - Affordable pricing you can trust

• - Thousands of approved Chapter 7 and Chapter 13 filings

• - Efficient timelines with evening and weekend appointments

• - Local Hartland office serving Southeast Michigan

Call **248 882 0838** now for a zero obligation consultation and speak one-on-one with Doug Dern.

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## The Basics of 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:

• Charge accounts

• - Unpaid healthcare costs

• - Personal loans

• - Utility bills

• - Old IRS debt

Most clients do not lose assets by using Michigan?s favorable exemptions and reaffirmation agreements.

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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.

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

## Chapter 13 Bankruptcy ? Restructure Your Debt

Chapter 13 is a flexible option for people with consistent pay who need to catch up on debt. This plan lasts up to 5 years and allows you to:

• Stop bank seizure

• - 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 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.