CLEAN SLATE BK GROUP P.C.

5.0/5

Clean Slate BK Group P.C. is a bankruptcy filing service helping individuals discharge credit card and personal debt through Chapter 7 and Chapter 13 bankruptcies with affordable fees and expedited processing.

Editorially reviewed by Harvey Brooks

Free to Use BBB: NR Free Consultation Visit Website

CLEAN SLATE BK GROUP P.C. Review

Clean Slate BK Group P.C. operates as a bankruptcy filing service designed to help consumers navigate the bankruptcy process with minimal friction. The company positions itself as a guide through a difficult financial decision, emphasizing that bankruptcy can provide emotional and financial relief through a fresh start. Founded on the principle that the filing process should be straightforward rather than overwhelming, they serve individuals carrying unsustainable credit card and personal debt loads.

The company offers comprehensive bankruptcy filing services including free initial consultations, intake interviews, document preparation, attorney representation, and guidance through the entire discharge process. They advertise filing for as little as $500 upfront, claim to complete filings within 2 weeks of document submission, and promise discharge completion within approximately 3 months. Case managers are assigned to guide clients through each step, and the company emphasizes transparency about fees—positioning "no hidden fees" as a competitive advantage. They also bundle required bankruptcy counseling and education courses into their service offerings.

Clean Slate distinguishes itself through speed of processing, accessibility via phone consultation, and what client testimonials consistently highlight as emotional support during a vulnerable financial period. Staff members including intake representatives (Dia, Brooke), case managers (Anthony DiGiorno, Lahna), and the attorney (Mr. Rothman) are named in reviews. The company emphasizes non-judgmental service and prompt communication, with clients noting rapid response times to questions via phone and email. Their marketing focuses on removing the shame and fear associated with bankruptcy filing.

However, prospective clients should understand that bankruptcy has serious long-term credit consequences despite its debt-relief benefits. While the company provides fast filing and supportive service, bankruptcy remains a significant financial decision with 7-10 year reporting periods on credit records. The testimonials are uniformly positive and recent (all dated Feb-Mar 2026), which may not reflect the full range of client experiences. Clients must also actively participate by submitting requested documents promptly for the promised timeline to materialize.

Services & Features

Free bankruptcy consultation

Intake interviews and financial assessment

Bankruptcy petition preparation and filing

Chapter 7 bankruptcy filing

Chapter 13 bankruptcy filing

Attorney representation

Case management and client communication

Required bankruptcy counseling and education course facilitation

Trustee hearing preparation and representation

Document gathering and organization assistance

Phone and email support throughout the process

Fresh start financial guidance post-discharge

Feature Checklist

Credit Education

Identity Theft Protection

Score Tracking

Mobile App

Online Portal

Personal Advisor

Pros & Cons

Pros

Low upfront cost: only $500 needed to file according to website
Fast processing: claims filings ready within 2 weeks of document submission
Quick discharge timeline: testimonials report discharge completion in approximately 3 months
No hidden fees: explicitly advertises all-inclusive pricing with no surprise costs
Free initial consultation with no obligation
Assigned case managers for personalized guidance throughout the process
Named staff members (attorneys, case managers, intake reps) suggest accountability and established team

Cons

Bankruptcy remains on credit reports for 7-10 years despite filing service; this company does not repair the underlying credit damage
All testimonials are recent (Feb-Mar 2026) and uniformly positive, limiting visibility into potential negative experiences or service failures
Processing timeline depends on client responsiveness; slow document submission could extend the quoted 2-week and 3-month timelines
No information provided about which bankruptcy chapters they handle, eligibility requirements, or debt thresholds
Limited details on the scope of services (e.g., whether they handle complex cases, multiple creditors, or business bankruptcy)

Rating Breakdown

Value

0.0

Effectiveness

0.0

Customer Service

5.0

Transparency

0.0

Ease of Use

0.0

Frequently Asked Questions

Is CLEAN SLATE BK GROUP P.C. legitimate?

Yes. CLEAN SLATE BK GROUP P.C. is a registered company headquartered in 7 Pennsylvania Plaza Ste 601, New York, NY 10001. They hold a NR rating with the Better Business Bureau.

Quick Facts

Headquarters: 7 Pennsylvania Plaza Ste 601, New York, NY 10001
BBB Rating: NR
BBB Accredited: No
Starting Price: Free to Use
Setup Fee: None
Free Consultation: Yes
Money-Back Guarantee: No

Visit CLEAN SLATE BK GROUP P.C.

+1 888-780-5043 7 Pennsylvania Plaza Ste 601, New York, NY 10001

CreditDoc Diagnosis

Doctor's Verdict on CLEAN SLATE BK GROUP P.C.

Clean Slate BK Group P.C. is best for individuals overwhelmed by unsecured debt (primarily credit cards and personal loans) who need to file bankruptcy and value speed, transparency, and emotional support over complex legal strategy. The main caveat is that bankruptcy is a serious financial tool with 7-10 year credit record consequences—this company facilitates the filing process efficiently but does not eliminate the long-term impact on creditworthiness.

Best For

Individuals with significant credit card and personal debt seeking a fresh financial start through bankruptcy
First-time bankruptcy filers who need emotional support and clear guidance through an unfamiliar legal process
Consumers prioritizing speed and affordability in filing over complex legal strategy

Updated 2026-04-01

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Financial Terms Explained (13 terms)

New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.

How Loans Work

Default — Loan Default

When you fail to repay a loan according to the agreed terms — usually after 90-180 days of missed payments. It's the point where the lender gives up on collecting normally.

Why it matters

Default triggers severe consequences: credit score drops 100+ points, the debt may be sent to collections, you could be sued, and your wages or assets could be seized.

Example

You miss 4 consecutive car payments. The lender declares your loan in default, repossesses your car, sells it at auction for $8,000, and you still owe the remaining $5,000 (called a deficiency balance).

Legal Terms

CFPB — Consumer Financial Protection Bureau

A federal agency created in 2010 to protect consumers from unfair financial practices. They write rules, supervise financial companies, and handle consumer complaints.

Why it matters

The CFPB is your most powerful ally against predatory lenders. Filing a complaint with them gets a response from the company within 15 days — companies take CFPB complaints seriously.

Example

A debt collector calls your workplace after you told them to stop. You file a CFPB complaint online. Within 15 days, the collection agency responds and agrees to stop. The CFPB tracks complaint patterns across all companies.

Statute of Limitations — Statute of Limitations (Debt)

A time limit (typically 3-6 years, varies by state) after which a creditor can no longer sue you to collect a debt. The debt still exists, but they lose the legal power to force payment.

Why it matters

Knowing your state's statute of limitations prevents you from being tricked into paying debts that are legally uncollectable. Beware: making a payment can restart the clock.

Example

You have a $3,000 credit card debt from 2019. Your state has a 4-year statute of limitations. In 2024, a collector calls demanding payment. The statute has expired — they cannot sue you.

FDCPA — Fair Debt Collection Practices Act

A federal law that limits what debt collectors can do. They can't call before 8am or after 9pm, can't harass you, can't lie, and must stop contacting you if you request in writing.

Why it matters

Knowing your FDCPA rights stops abusive collection tactics. If a collector violates the law, you can sue for up to $1,000 per violation plus attorney fees.

Example

A collector calls your workplace 3 times after you told them not to. That's 3 FDCPA violations. You hire a consumer attorney (free — they get paid by the collector). The collector settles for $3,000.

Garnishment — Wage Garnishment

A court order that requires your employer to withhold part of your paycheck and send it directly to a creditor. Usually happens after a creditor sues you and wins a judgment.

Why it matters

Federal law limits garnishment to 25% of disposable income. Some states have lower limits. Student loans and taxes can be garnished without a court order.

Example

You owe $8,000 on a defaulted credit card. The bank sues, gets a judgment, and garnishes your wages. On a $3,000/month net paycheck, they take $750/month until the debt is paid.

Debt & Recovery

DTI Ratio — Debt-to-Income Ratio

The percentage of your monthly gross income that goes toward paying debts. Lenders use it to judge whether you can afford another loan payment.

Why it matters

Most lenders want DTI below 36% for personal loans and below 43% for mortgages. Above that, you're considered overextended and likely to be denied.

Example

You earn $5,000/month gross. Your debts: $1,200 mortgage + $300 car + $200 student loans = $1,700/month. DTI = 34%. A new $400/month loan would push you to 42% — risky for lenders.

Debt Consolidation

Combining multiple debts into one single loan with one monthly payment, ideally at a lower interest rate. It simplifies repayment and can reduce total interest.

Why it matters

Consolidation works best when you get a lower rate than your existing debts. But it doesn't reduce what you owe — and extending the term can mean paying more total interest.

Example

You have: $5,000 at 22% (credit card), $3,000 at 18% (store card), $2,000 at 25% (payday loan). A $10,000 consolidation loan at 11% saves you ~$2,100 in interest over 3 years.

Debt Settlement — Debt Settlement / Negotiation

Negotiating with creditors to accept less than the full amount you owe — typically 40-60 cents on the dollar. Usually done after you've already fallen behind on payments.

Why it matters

Settlement can save thousands, but it severely damages your credit (settled accounts show for 7 years) and the IRS may tax the forgiven amount as income.

Example

You owe $15,000 on a credit card and negotiate a settlement of $7,500 (50%). You save $7,500 but: your credit drops 100+ points, the account shows 'settled' for 7 years, and you may owe taxes on the $7,500 forgiven.

Charge-Off

When a creditor declares your debt a loss after 180 days of nonpayment and removes it from their books. But you still owe the money — they just stop expecting to collect it themselves.

Why it matters

A charge-off is one of the most damaging entries on your credit report and stays for 7 years. The debt is usually sold to a collection agency who will pursue you for it.

Example

You stop paying your $4,000 credit card. After 180 days, the bank charges it off and sells the debt to a collector for $800. The collector now contacts you demanding the full $4,000 (they profit from what they collect above $800).

Collections — Debt Collections

When an unpaid debt is transferred or sold to a third-party collection agency that specializes in recovering the money. Collection accounts appear on your credit report for 7 years.

Why it matters

Even a $50 collection account can drop your score 50-100 points. Some newer FICO models (FICO 9) ignore paid collections, but many lenders still use older models.

Example

An old $200 gym bill goes to collections. It appears on all 3 credit reports and drops your 720 score to 640. Paying it helps with newer scoring models but under FICO 8 (still widely used), a paid collection still hurts.

Chapter 7 Bankruptcy — Chapter 7 Bankruptcy (Liquidation)

A type of bankruptcy that wipes out most unsecured debts (credit cards, medical bills) by liquidating non-exempt assets. It stays on your credit for 10 years.

Why it matters

Chapter 7 gives you a fresh start but at a steep cost: 10 years on your credit, difficulty getting loans, and you may lose assets. Income must be below your state's median to qualify.

Example

You have $45,000 in credit card debt and earn $35,000/year. Chapter 7 erases the debt. You keep exempt property (basic car, household items). Your score drops to ~500 but you're debt-free.

Chapter 13 Bankruptcy — Chapter 13 Bankruptcy (Reorganization)

A type of bankruptcy where you keep your assets but follow a court-approved 3-5 year repayment plan to pay back some or all of your debts. Stays on credit for 7 years.

Why it matters

Chapter 13 is better than Chapter 7 if you have a home or assets you want to keep. It can stop foreclosure and let you catch up on mortgage payments over 3-5 years.

Example

You're 3 months behind on your mortgage and have $30,000 in credit card debt. Chapter 13 stops foreclosure and puts you on a 5-year plan: you pay $600/month to catch up on the mortgage and pay 40% of the credit card debt.

Judgment — Court Judgment (Debt)

A court ruling that says you legally owe a specific amount to a creditor. It gives the creditor power to garnish wages, freeze bank accounts, or place liens on your property.

Why it matters

Judgments are enforceable for 10-20 years (varies by state) and can be renewed. They give creditors far more collection power than a simple unpaid debt.

Example

A credit card company sues you for $8,000 and wins a judgment. They can now garnish 25% of your paycheck ($750/month on a $3,000 net salary) and freeze your bank account.

Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.

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