Clean Slate has filed 3,000+ bankruptcies for people who felt exactly how you feel right now. The calls stop within days of filing. The shame stops when you learn how many of your neighbors have done this.
§ Filing stops collections, garnishments, and most lawsuits automatically — it's federal law, not a negotiation.
The automatic stay takes effect. Collection calls become illegal that day.
The "341 meeting" — 10 minutes, mostly paperwork verification. We're beside you.
Qualifying debts legally erased. Credit cards, medical bills, personal loans — gone.
Most clients see 640+ scores within two years. Yes, really. We give you the playbook.
For most people drowning in credit cards and medical debt. Qualifying debts erased in about 90 days.
For steady incomes protecting a house from foreclosure or catching up on arrears — one court-protected payment for 3–5 years.
§ Not sure which — or whether? The free consult runs your actual numbers and sometimes the answer is "negotiate, don't file." We'll say so.
Exemptions protect homes, vehicles, retirement accounts, and household goods for the overwhelming majority of filers. In 3,000+ cases, our clients kept their homes in all but a handful.
Missed payments and maxed cards are already doing the damage. Post-discharge, most clients rebuild to 640+ within two years — faster than the treadmill they were on.
Those are the top three causes in our files — not shopping sprees. Businesses restructure debt without shame every day; the law gives you the same tool.
"I cried in the consultation — from relief. Eleven years of minimum payments, gone in 90 days, and I kept my car and my house. My only regret is the three years I spent being ashamed to call."
Chapter 7 client · discharged 2025Usually no — exemptions protect equity up to state limits, and secured debts you keep paying, you keep. The consult maps your specific assets against the exemptions before you decide anything.
Student loans (mostly), recent taxes, child support, and alimony survive. Credit cards, medical bills, personal loans, old utility bills, and repossession deficiencies are the classic dischargeables — usually the bulk of what's crushing people.
Fair question. Chapter 7 fees can be paid in installments before filing (most clients use the money that stops going to minimum payments), and Chapter 13 fees ride inside the plan. The consultation costs nothing either way.
Filings are technically public but practically invisible — no newspaper lists, no notice to your employer in Chapter 7. The people who'd judge you have no idea how many of their neighbors, and possibly relatives, have filed.
Garnishments and calls stop at filing. Payment plans. 3,000+ cases.
Free consultation runs your real numbers — including the don't-file answer.
Federal law, not negotiation. Find out what filing would actually cost you.
Means-test result and chapter recommendation, in writing.
Their assets mapped to exemptions — the fear, answered specifically.
Filing to discharge, step by step, with the one meeting explained.
What months 1–24 after discharge look like. Hope, documented.
No countdown — but a note on what each month of waiting costs in garnishment/interest, factually.
Bring the shoebox of statements or bring nothing — we'll pull what we need.
Book a Free Consultation§ We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.