The Reset Code™ is your essential, no-fluff roadmap for using bankruptcy as a strategic reset rather than a personal failure. Created specifically for Black professionals, first gens, and cycle breakers, this guide shows you how to use Chapter 7 or Chapter 13 to clear space, regain control, and rebuild your financial life with confidence and dignity.

Whether you are overwhelmed by debt, trying to protect your home, managing the Black Tax, recovering from financial setbacks, or navigating responsibilities that stretch far beyond your income, this guide meets you exactly where you are.

Inside the Guide, You Will Learn How To

🔥 Understand Your Options Clearly
• Know the difference between Chapter 7 and Chapter 13
• Identify which chapter fits your situation
• Understand the timeline, costs, and legal process
• Learn the rights and protections you already have

🔥 Use Bankruptcy as a Strategic Reset
• Stop wage garnishments and creditor harassment
• Protect your home, car, and essential assets
• Discharge debt that is blocking your progress
• Create room to breathe, heal, and rebuild

🔥 Rebuild Your Financial Stability
• Rebuild credit step by step
• Use secured cards and smart credit habits
• Create a post bankruptcy spending and savings plan
• Strengthen your financial foundation so you never return to overwhelm

🔥 Plan Your Comeback With Confidence
• Set up systems that prevent future setbacks
• Build emotional boundaries around money and family requests
• Understand how to protect yourself during life changes
• Move from crisis and confusion into clarity and stability

Why This Guide Matters

The Reset Code™ was created because Black first generation wealth builders carry more than their own bills. Family emergencies, cultural expectations, the Black Tax, and limited safety nets all create a financial pressure that most resources do not address. This guide speaks directly to that reality.

Bankruptcy is not shame.
It is not failure.
It is a legal reset created to give you a second chance.

This guide transforms fear into clarity and overwhelm into a step by step plan.
This is your fresh start. This is your turning point.