Book details
- Author: Ngozi E. Bolin, Esq.
- Publisher: Pantraxxa LLC
- Genre: Legal guide, consumer law, personal finance
- Published: October 21, 2026
- Length: 324 pages (paperback)
- Formats: Paperback
- ISBN-13: 979-8950322174
- Language: English
Consumer Law and Personal Finance for New York Teens
A Teen’s Guide to Rights, Contracts, and Money, by Ngozi E. Bolin, Esq.
Consumer Law and Personal Finance for New York Teens is a plain-English guide to the federal, New York State and New York City laws that protect young people as consumers, borrowers, workers and renters, by attorney Ngozi E. Bolin, Esq., published by Pantraxxa. It is built for New York classrooms, grades 5 through 12.
About the book
New York teens enter contracts all the time, often without noticing: they tap “I agree,” start free trials, take first jobs, open bank accounts and sign first leases. Few learn the rules that protect them until something goes wrong. Written by a New York trial attorney with more than 30 years of experience, this book explains those rules in plain, practical language.
The 22 chapters support the Board of Regents’ personal finance requirement for grades 5 through 12. Each chapter stands alone, so a teacher can use one unit or the full course in economics, social studies, math or career and technical education, and the capstone project is designed to support the New York State Seal of Civic Readiness.
Every chapter opens with a real-life problem facing a New York teen and adds “Only in NYC” call-outs, a Know Your Rights checklist, a You Be the Lawyer case for class discussion, sample letters, step-by-step action plans, key vocabulary and review questions. The book closes with a glossary, a table of authorities and a directory of free legal help across New York State.
A fuller overview of this guide is on the Bolin Firm’s page for the book.
Who this book is for
New York students, their teachers and parents, and anyone about to turn 18 in New York.
What the book covers
- When a contract signed as a minor can be cancelled, and when it cannot
- Deceptive ads, fake reviews and undisclosed influencer deals
- Getting out of subscription traps under New York’s automatic renewal law
- Overdraft fees, credit card debt and Buy Now, Pay Later pitfalls
- Reading and fixing a credit report, and freezing credit for free
- Abusive debt collectors and scams aimed at teens
- Data protection under New York’s Child Data Protection Act and SAFE for Kids Act
- Fair pay at a first job, and how to read a pay stub
- Buying a used car under New York’s lemon laws
- Renting a first apartment and getting the security deposit back
- Paying for college without falling for scholarship scams
- Filing complaints and using small claims court
Frequently asked questions
It explains the federal, New York State and New York City laws that protect teens when they sign contracts, shop, borrow, work, rent and pay for college, with practical steps for when something goes wrong.
Ngozi E. Bolin, Esq., a New York trial attorney with more than 30 years of experience.
Yes. Its 22 chapters support the Board of Regents’ personal finance requirement for grades 5 through 12. Each chapter stands alone, and a capstone project is designed to support the New York State Seal of Civic Readiness.
No. It is for informational and educational purposes only, and it does not replace advice from a licensed attorney about your own situation.
The paperback edition is 324 pages.
The paperback is 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.
