Get a True Clean Slate. Wipe Out Consumer Debt and Student Loans.

While it's not an easy decision to file for bankruptcy, removing the emotional and financial burden of personal and student debt and starting fresh can be one of the most important decisions you'll ever make. Contact us today to see if you’re eligible to eliminate student loans alongside credit cards, medical bills, and personal loans through Chapter 7 protection.

Filed bankruptcy elsewhere in the past? We may still be able to help you fix your student loans.

  • Free, No-Obligation Consultation
  • Streamlined, Safe Virtual Process
  • No Money to Get Started
A man holding past-due bills and two graduates holding student loan statements, all stressed about debt
Clean Slate BK Group P.C. BBB Business Review

What Our Clients Say

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Barbara

Oct 2026

OMG, amazing customer service. Heaven is kind, caring and so knowledgeable. I was treated with respect when I spoke with her. Also, Virginia has been awesome too. They are the only bankruptcy lawyer that I could find who was willing to take a lot less to retain which shows they really care about people and what they're going through. They're also willing to work with you and do AFFORDABLE payment plans to pay the rest. Thank you so much to all of you . I can't thank you enough.

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Jennifer

Oct 2026

This firm and all of it’s associates were a pleasure to work with. They made the process seamless and explained everything in detail. I would definitely recommend them.

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Sandra

Sep 2026

The clean slate staff were kind and helpful. The only thing I was not happy with was the court loosing my documents twice,which caused me to lose 2 days of work. But Phong and Anthony D. Were helpful and kind and explained to me the process of the courts still wanting documents mailed instead of emailed. Other then that they did an awesome job!Im very grateful for the stress that has been lifted with my discharge,and a clean slate!

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Heriberto

Sep 2026

Filing for bankruptcy was far smoother than I expected, thanks to this firm. From the very first conversation to the final paperwork, the entire staff treated me with true professionalism and genuine care. They stayed in regular contact, patiently guided me through every step, and answered all my questions quickly and clearly. I couldn’t have asked for a better team

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LJ

Sep 2026

I cannot say enough great things about my experience with Clean Slate BK Group. From the moment of my first interaction with Dan Milicevic I knew I was in the right hands and after speaking with so many other companies, I instantly knew my choice was made. They all made the process so easy and everyone was kind, thorough and went above and beyond to make sure I felt supported during this extremely difficult time. From making sure that we had everything done correctly, to making me feel like my world wasn't ending and I wasn't alone, the experience has been so much better than I could've imagined. Thank you to the team for all of your hard work and helping me through this challenge (Dan, Asia, Karen, Matt, Anthony)! I cannot recommend them enough.

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Elizabeth

Sep 2026

I cannot say enough good things about my experience with Clean Slate BK Group, especially Cheri and Phong. From the very beginning, they were professional, knowledgeable, responsive, and genuinely compassionate. Cheri was incredibly helpful throughout the process, taking the time to answer my questions, explain each step, and make sure I understood what was happening. Phong was equally fantastic—thorough, professional, and always willing to help whenever I needed clarification or assistance. Going through a difficult financial situation can be stressful and overwhelming, but Cheri and Phong made the entire process feel manageable. They treated me with respect, never made me feel judged, and consistently made me feel like I was in good hands. Their communication, patience, and dedication really stood out. I truly appreciate everything they did to help me get through this process and move forward with a clean slate. If you're looking for a team that is knowledgeable, professional, and actually cares about their clients, I highly recommend Clean Slate BK Group, Cheri, and Phong!

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Natalya

Sep 2026

I had a wonderful experience. Every step of the way somebody was always calling on me checking in on me and making sure that I had all the correct details and what the next steps were. I would recommend this to anyone.

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Kevin

Aug 2026

From the very first phone call everything was explained very well and detailed. I was very hesitant at first about the whole process and the Clean Slate BK Firm eased any concerns I had about it the situation. I definitely will recommend anybody that’s in a similar situation that I was to go with Clean Slate on their journey. Thanks for everything

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Julian

Aug 2026

As a first-time bankruptcy filer, the team at CSBK made everything incredibly smooth and straightforward. They did a great job of keeping me informed throughout the entire process and were there every step of the way. I truly appreciate their professionalism, communication, and support. I highly recommend CSBK to anyone looking for a bankruptcy firm they can trust!

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Charon

Aug 2026

Couldn’t recommend this company enough. They let me know every step was by my side through it all. Super excited to be now discharged. Great job would 100% recommend my team to any and everyone.

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Dominic

Aug 2026

Just wanna say Clean slate BK Group was great and life changing for me....

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Joseph

Aug 2026

The whole process was very easy and manageable for me.

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Cathy

Aug 2026

Was outstanding from start to finish. Thank Clean Slate

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Cathy

Aug 2026

This was the most easiest thing I’ve done in years. The support and professionalism from everyone was over and beyond. I will like to thank Clean Slate, for their outstanding work.

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Sinatra

Jul 2026

I had a great experience with this company and they got my Bankruptcy done fast and worked with me on a payment plan so I could afford it with my low income. I recommend them to anyone that is in a lot of debt and yes they even can help with student loans. Top notch Bankruptcy lawyers right here 👌

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Hilda

Jul 2026

Hi there Just want to share my experience with Clean Slate I called them just to inquire information they were so helpful and friendly. It made me comfortable to work with this company. So grateful for the help and professionalism. I totally recommend this company for financial relief problems.

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Simona

Jul 2026

The bankruptcy went by smoothly they have been there to guide me every step of the way. They answered every question possible and always checked up on us. I couldn’t have asked for a better company to help me with our bankruptcy. I can’t thank them enough.

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India

Jun 2026

Clean Slate BK Group was a great experience from start to finish. My husband and I filed the 11th of March 2026 and was discharged June 15, 2026. I must say it was Stressfree and very informative. We did a consultation with a few companies but Clean Slate won us over with their knowledge and upfront expectations. I would rate them 10/10. I definitely recommend if you have tried everything possible but still find yourself trying to dig yourself out a hole that is never ending.

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Alma

Jun 2026

"I can't recommend this bankruptcy place enough! They were incredibly helpful when I was dealing with a debt, The entire process was surprisingly easy to manage, especially since I could do everything online and even attend court via Zoom. They made a stressful time feel manageable and I'm so grateful for their efficient and clear assistance." 😊

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Jesus

Jun 2026

They were very helpful through my bankruptcy.Answered all my questions.Help me out on all the paperwork.By highly recommend them for anybody falling bankruptcy , great service

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Reviews reflect the individual’s experience. Bankruptcy may not be right for everyone. Results may vary depending on your particular circumstances. Prior results do not guarantee a similar outcome. Paid testimonial. Video testimonial clients received $100 Amazon gift card.

Choose Your Path to Financial Freedom

We provide legal representation for relief from ordinary consumer debt and student loan debt.

Debt Settlement

Debt Settlement

Debt settlement can often be an expensive, lengthy process, can sometimes be associated with deceptive service providers, and does not provide a path to student loan forgiveness.
Our Solution: File Chapter 7 Bankruptcy Alongside Student Loan Adversary Proceeding

Our Solution: File Chapter 7 Bankruptcy Alongside Student Loan Adversary Proceeding

Far cheaper solution than debt settlement that could erase personal debt like credit cards, personal loans, and medical bills, and eliminate your student loans. Can’t afford to file Chapter 7 bankruptcy? All we need is a payment of $500 to prepare and file your petition with the court, which should put a pause on all collection activity on your debts.

The Rules Have Changed: You Can Discharge Student Loans in Bankruptcy

For decades, borrowers were told that student loans were locked in for life. That is no longer the case.

Under the landmark Department of Justice (DOJ) and Department of Education guidelines, the federal government has streamlined the evaluation process for discharging student loans during bankruptcy. If keeping up with your student loans causes undue financial hardship, you may now be able to qualify for a full or partial discharge.

Clean Slate BK Group helps you navigate this complex process by filing a formal Attestation of Hardship on your behalf alongside your bankruptcy petition. Learn more about how your student loans may be discharged in Chapter 7 Bankruptcy.

How can a Chapter 7 bankruptcy help me?

When you are facing overwhelming debt and financial distress, life can become extremely difficult, if not impossible. Filing bankruptcy may help eliminate the burden of debt and mounting interest, reduce collections calls, and provide you with a much-needed fresh start.

Stop Wage GarnishmentsStop Wage Garnishments
Eliminate Credit Card & Personal Loan DebtEliminate Credit Card & Personal Loan Debt
Wipe Out Student LoansWipe Out Student Loans
Erase Outstanding Medical BillsErase Outstanding Medical Bills

Your 4 Steps to Debt Relief

  1. The Free Consultation:

    We review your income, consumer debts, and student loan balances to confirm your bankruptcy eligibility.

  2. The Document Gathering:

    You securely upload your financial details online. Our staff meticulously organizes your petition and your student loan hardship attestation.

  3. The Court Filing:

    We file your Chapter 7 petition. An "Automatic Stay" immediately goes into effect, legally banning creditors from contacting you, suing you, or touching your paycheck.

  4. The Ultimate Discharge:

    Subject to court approval, a permanent discharge order is typically entered within a few months of filing, wiping away qualifying consumer debts and potentially freeing you from eligible student loan debt.

Frequently Asked Questions

How long does the bankruptcy process take?

A typical Chapter 7 bankruptcy takes roughly 4 to 6 months from your initial filing date to your final discharge order. Pursuing a student loan discharge involves an extra-legal filing called an Adversary Proceeding, which we manage seamlessly alongside your core case.

What are the criteria to qualify for student loan discharge?

To successfully discharge student loans, we must show the court that paying them prevents you from maintaining a minimal standard of living, your financial hardship is likely to persist, and you have made a good-faith effort to manage the debt. Our legal team evaluates your specific situation during your free consult.

What debts are completely wiped out under Chapter 7?

Chapter 7 may be able to permanently eliminate unsecured consumer liabilities like credit cards, personal loans, and medical bills. Furthermore, under the updated federal review framework, qualifying student loans can be fully discharged. Non-dischargeable exceptions remain limited to obligations like child support, alimony, and specific recent tax liabilities.

More FAQs

Ready for a Fresh Start?

Don't face the banks or the federal government alone.

Whether you are drowning in high-interest credit card debt, dealing with massive medical collections, or trapped under a mountain of student loans, our firm will build the legal path to help you achieve a Clean Slate.

Ready for a Fresh Start?

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

NY Office: Seven Penn Plaza, Suite 601, New York, NY 10001

CA Office: 2300 Westwood Blvd., Suite 105, Los Angeles, CA 90064

Fax: (949) 821-0008

© 2026 Clean Slate BK Group P.C. | All Rights Reserved

Disclaimer: Attorney Advertising. The information on this website is for general information purposes only. Nothing on this site should be taken as legal advice for any individual case or situation; therefore, if you require legal advice, please consult with a competent attorney licensed to practice in your jurisdiction. This information is not intended to create, and receipt or viewing does not constitute, an attorney-client relationship. Prior results do not guarantee a similar outcome.
Clean Slate BK Group P.C.