Book details
- Author: Ngozi E. Bolin, Esq.
- Publisher: Pantraxxa LLC
- Genre: Legal guide, bankruptcy and debt relief
- Published: June 14, 2025
- Length: 685 pages (paperback)
- Formats: Paperback, Kindle, audiobook
- ISBN-13: 978-1967733439
- Language: English
Bankruptcy Unlocked
A Consumer Guide to Financial Fresh Starts in New York & California, by Ngozi E. Bolin, Esq.
Bankruptcy Unlocked is a consumer guide to bankruptcy and debt relief in New York and California by attorney Ngozi E. Bolin, Esq., published by Pantraxxa. It explains Chapter 7 and Chapter 13, how to protect a home and car, and how to rebuild credit afterward.
About the book
The book is a step-by-step guide for people in New York or California who are struggling with credit card debt, medical bills, wage garnishment or foreclosure. It sets out the options under bankruptcy and other forms of debt relief.
It is written without confusing legal jargon and uses real examples, so readers can understand what each route involves before they decide.
A fuller overview of this guide is on the Bolin Firm’s page for the book.
Who this book is for
Individuals facing debt, job loss, divorce or medical hardship; homeowners at risk of foreclosure; high-income earners who may earn too much for Chapter 7; and legal professionals and counselors assisting clients in New York or California.
What the book covers
- How to qualify for bankruptcy in New York and California
- Chapter 7 compared with Chapter 13
- State exemption laws that help filers keep property
- How bankruptcy affects foreclosures, lawsuits and wage garnishments
- Rebuilding credit after bankruptcy
- Alternatives such as credit counseling and debt settlement
Frequently asked questions
It is a consumer guide to bankruptcy in New York and California. It explains who qualifies, how Chapter 7 and Chapter 13 differ, which exemptions protect property, and what alternatives to bankruptcy exist.
Ngozi E. Bolin, Esq., an attorney with more than three decades of litigation experience across New York and California.
No. It is a general guide for information and education. It does not replace advice from a licensed attorney about your own situation.
The paperback edition is 685 pages.
Paperback, Kindle and audiobook.
All formats are available on Amazon.
About the author
Ngozi E. Bolin, Esq. is an attorney and multigenre author whose work spans legal guides, spiritual fiction, romance and contemporary women’s literature. She has more than three decades of litigation experience across New York and California.
