ARE you being harassed by your creditors day and night due to unpaid bills? If you are, you know that this is a pretty unpleasant experience. You may feel scared,…

A LOT of people in need of debt relief are often hesitant to file bankruptcy for fear that it will ‘ruin’ their credit and that they will never be able…

Question: I owe a lot in back taxes. I’m constantly getting threatening letters from the IRS. This has become a big problem that I have no idea how to solve. …

ARE you currently struggling with high mortgage payments? Did you get your loan modified in the past but now have a new hardship based on changed circumstances? If so, this…

ARE your debt problems keeping you up at night and causing a lot of stress in your life? Have you thought of filing bankruptcy but can’t decide whether it’s the…

PERHAPS you’ve considered filing bankruptcy but in the back of your mind, you have one or two questions that you’ve always been afraid to ask. In counseling thousands of people…

DON’T let this happen to you! A client of mine said he never saw it coming. Everything he ever wanted in life, he always purchased on credit. The “pre-approved” credit…

BEING in debt and doing nothing about it can have more serious consequences than you think. First of all, it can impact your financial future. Uncontrolled debt can deprive you…

ARE you seriously in debt and thinking of filing bankruptcy as a last resort? Individuals who have accumulated excessive debt are often left to ponder whether they should file bankruptcy…

Are you feeling stuck and unable to move because of lingering debt problems in your life? Considering bankruptcy but not sure if it’s the right solution for you? For those…

THE last few years have been financially difficult for a lot of people. When the real estate marked crashed a few years ago, millions of people found themselves with a…

ARE you overwhelmed with debt problems that seem insurmountable? Are you starting to feel hopeless about your financial future and thinking you’ll never get ahead? You may be at a…

BEING in debt can be pretty depressing.  I understand how you feel. When you’re drowning in debt, you may feel that your situation is hopeful and you have no motivation…

“ In some cases you may also be called to appear in court for something called a “debtor’s examination”, in which case, a bench warrant for your arrest may be…

ARE you having problems paying your debts? Are creditors calling you day and night threatening you with a wage garnishment, repossession or foreclosure? Are you starting to feel hopeless and…

SLEEPLESS nights. Stressed out. Worried about the future. Always broke. This is what most people are going through when they are considering bankruptcy in order to get out of debt. …

IRS problems have a way of ruining all aspects of your life. They can take a toll on you financially, emotionally and physically. When you owe the IRS, you’re always…

DO you have sleepless nights worrying about your credit card debts?  Are you feeling hopelessly trapped with no way out? If you are up to your eyeballs in credit card…

ATTORNEY Ray Bulaon, known as “the Filipino Community’s Debt Relief Expert”, has opened a fourth office location in Los Angeles in order to be more accessible to all clients in…

YOU already know that your home is in foreclosure.  You’ve received that dreaded Notice of Default.  You know that after 90 days, your home can be scheduled for a Trustee…

HAVE you ever faced a situation in your life where you needed help so badly but you were just too embarrassed to ask for it?  Perhaps you felt confused and…

THE cost of a college education has spiraled out of control for most families. In the last 10 years, student loan debt has sharply risen from $240 billion to $1…

IF you’ve made the decision to file bankruptcy in order to get a fresh financial start, here are some things to consider in choosing between Chapter 7 or Chapter 13….

IF you are experiencing debt problems, you may find it difficult to talk to other people about it to the point that you are not getting the help that you…

CHAPTER 13 is the section of the US Bankruptcy Code that allows individuals in the United States to reorganize their finances.  If you are having difficulty paying your debts (credit…

I KNOW that our economy in the last several years has caused a lot of financial problems for a lot of people. A lot of families are struggling financially every…

A DEBT-free life is something that a lot of people aspire to have. And yet it is a known fact that sadly, many will never attain it because of their…

FILING Bankruptcy is a serious decision for most people. Most don’t have a clue about how the process works until they actually consult with an attorney.  Confusion often results from…

WHEN people are going through financial difficulty and are unable to pay their bills, their first reaction is often to ignore their debts and avoid contact with creditors. They think…

A LOT of people who consult with me about their debt problems are going through the worst time of their lives. Unlike other problems in life that sometimes just go…