| Author: | Ngozi E. Bolin, Esq. |
| Publisher: | Pantraxxa LLC |
| Length: | 685 pages |
| Formats: | Paperback, Kindle, Audiobook |
| ISBN: | 978-1967733439 (ISBN-10: 1967733430) |
Bankruptcy Unlocked: A Consumer Guide to Financial Fresh Starts in New York & California
About this book
Bankruptcy Unlocked is a plain-English consumer guide by attorney Ngozi E. Bolin for people facing overwhelming debt in New York or California. It explains how to qualify, how Chapter 7 and Chapter 13 compare, how state exemptions protect a home and car, how bankruptcy can halt foreclosure and garnishment, and how to rebuild credit afterward.
A Consumer Guide to Financial Fresh Starts in New York & California
Credit card debt, medical bills, a job loss, a divorce or a foreclosure notice can make it feel as if there is no way out. Bankruptcy exists to give honest debtors a fresh start, but the rules, and the property you can keep, depend heavily on where you live.
Bankruptcy Unlocked walks New York and California residents through the process step by step, without confusing legal jargon, and also explains the alternatives to bankruptcy, so readers can make an informed choice about the right path.
What the book covers
- How to qualify for bankruptcy in New York and California
- Chapter 7 versus Chapter 13
- State-specific exemption laws that help you keep your property
- How the automatic stay can halt foreclosures, lawsuits and wage garnishments
- Stopping creditor harassment
- Rebuilding your credit after bankruptcy
- Alternatives such as credit counseling and debt settlement
Who it is for
- Individuals facing debt, job loss, divorce or medical hardship
- Homeowners at risk of foreclosure
- Higher earners who may not qualify for Chapter 7
- Legal professionals and counselors assisting clients in New York or California
Related reading
- When a Trustee Refuses to Conclude a Meeting of Creditors (article)
- Navigating HOAs in New York and California: Rights, Rules & Remedies for Homeowners
- All 13 Law Made Simple books
Frequently Asked Questions
What does Bankruptcy Unlocked cover?
It covers qualifying for bankruptcy in New York and California, Chapter 7 versus Chapter 13, state exemption laws, how bankruptcy can halt foreclosures, lawsuits and wage garnishments, stopping creditor harassment, rebuilding credit, and alternatives such as credit counseling and debt settlement.
Who is Bankruptcy Unlocked written for?
It is written for New York and California residents facing overwhelming debt, homeowners at risk of foreclosure, higher earners weighing Chapter 13, and professionals who assist them.
Does the book explain the difference between Chapter 7 and Chapter 13?
Yes. It compares the two chapters and explains which situations each one fits.
Where can I buy Bankruptcy Unlocked?
It is available on Amazon in paperback, Kindle and audiobook editions.
Is the book a substitute for legal advice?
No. The book is for informational and educational purposes. For advice about your own finances, you can book a flat-fee consultation with Ms. Bolin.
About the author
Ngozi E. Bolin, Esq. has been admitted to practice in New York since 1991 and California since 2013, with three decades of experience in litigation and jury and bench trials. She is the author of the Law Made Simple series of plain-English legal guides.
Need advice on your own situation? Book a flat-fee consultation with Ms. Bolin.
The book and this page are general information, not legal advice for your specific situation.