Atty. Ray Bulaon "Abogadong Pilipino" in California

Atty. Ray Bulaon "Abogadong Pilipino" in California Filipino Community's DEBT RELIEF EXPERT! Over 6,000 Clients! Credit Cards, Mortgage, IRS Problems, Student Loans,Lawsuits. Bankruptcy- Only If Necessary!

"Abogadong Pilipino"! The Filipino Community's No. 1 Debt Relief & Bankruptcy Expert! I can help with Debt Settlement, IRS Problems, Loan Modification, Student Loans, Credit Cards, Foreclosure,Lawsuits, Judgments, Liens, Wage Garnishments, Business Disputes, Business Formations,Contracts,Government Agencies, Small Business Financial Counseling, Estate Planning (Wills, Trusts, Probate) and all other Debt, Credit & Small Business Matters. DISCLAIMER: Although I am an attorney, I am not your attorney. The contents of this page are for informational purposes only. This page was not intended to give legal advice and does not create an attorney-client relationship with anyone viewing it. The law is complex and situations vary. If you need to consult with me about your specific case, please call my office to schedule a FREE CONSULTATION at (866) 477-7772. I have offices in Valencia, Pasadena & Cerritos.

Operating as usual

08/21/2020

Mortgage Payments Forbearance Ending And Not Sure What To Do?

Is your lender giving you the runaround or not giving you straight answers about how you can get your mortgage payments current?
KNOW YOUR OPTIONS & SAVE YOUR HOME !

Call my law office at 866-477-7772 to schedule a free phone or video consultation.
(I’ve helped more than 5,000 clients get out of debt)

“As the economic fallout of the pandemic continues to unfold, banks are rushing to close credit card accounts or slash c...
07/24/2020
Banks are closing credit cards and slashing credit limits amid the pandemic, survey finds

“As the economic fallout of the pandemic continues to unfold, banks are rushing to close credit card accounts or slash credit limits to curb their risk.“

https://money.yahoo.com/banks-close-credit-cards-and-slash-credit-limits-amid-the-pandemic-survey-finds-170739834.html

One in 4 Americans with credit cards said they had an account involuntarily shut down from mid-May to mid-July, while 1 in 3 said their credit limit was reduced, according to a new report from CompareCards.com.

My article in The Signal (SCV) this week.
07/16/2020

My article in The Signal (SCV) this week.

If you haven’t read my book, “What You Need To Know Before Filing Bankruptcy” (also available on Amazon), you can downlo...
07/09/2020

If you haven’t read my book, “What You Need To Know Before Filing Bankruptcy” (also available on Amazon), you can download a PDF copy free of charge at:
www.beforefilingbk.com

DEBT PROBLEMS DUE TO THE COVID-19 VIRUS CRISIS A lot of people are overwhelmed and can’t pay their bills, their mortgage...
05/11/2020
RJB Law Offices Santa Clarita Bankruptcy Attorneys

DEBT PROBLEMS DUE TO THE COVID-19 VIRUS CRISIS

A lot of people are overwhelmed and can’t pay their bills, their mortgage company and other creditors during the lockdown.

I am now offering Zoom and phone consultations . If you or someone you know needs legal assistance during this difficult time, I can help. To schedule a free consultation, call my office at 866-477-7772 or email us at [email protected].

www.familyfinancelawyer.com

Are you going through a difficult time with mountains of debt? It is important to seek compassionate and trustworthy legal counsel. Our attorneys at RJB Law Offices will guide you through the bankruptcy process and outline all your options for debt relief. Call us today to begin your journey our of....

DEBT PROBLEMS DUE TO THE COVID-19 VIRUS CRISIS A lot of people are overwhelmed and can’t pay their bills, their mortgage...
05/10/2020
RJB Law Offices Santa Clarita Bankruptcy Attorneys

DEBT PROBLEMS DUE TO THE COVID-19 VIRUS CRISIS

A lot of people are overwhelmed and can’t pay their bills, their mortgage company and other creditors during the lockdown.

I am now offering Zoom and phone consultations . If you or someone you know needs legal assistance during this difficult time, I can help. To schedule a free consultation, call my office at 866-477-7772 or email us at [email protected].

www.familyfinancelawyer.com

Are you going through a difficult time with mountains of debt? It is important to seek compassionate and trustworthy legal counsel. Our attorneys at RJB Law Offices will guide you through the bankruptcy process and outline all your options for debt relief. Call us today to begin your journey our of....

04/15/2019
Family Finance Lawyer | IRS Help

NEED A TAX LAWYER?
If you owe the IRS or State and can't pay, there are options available to either reduce, settle or negotiate a payment plan you can afford. Don't let the government intimidate you! You have legal rights as a taxpayer. We can help with IRS Audits, Unfiled Returns, Liens, Levies, Wage Garnishments, Payroll Tax Problems & Appeals. FREE Consultation if you owe $10,000 or more. Call my office at 866-477-7772. Free IRS Tax Resolution booklet at www.zerotaxdebt.com.

I’ve helped more than 6,000 clients GET OUT OF DEBT! If you’re in debt and need to find a way out, I can help you explor...
11/15/2018
RJB Law Offices Glendale Bankruptcy Attorneys

I’ve helped more than 6,000 clients GET OUT OF DEBT!

If you’re in debt and need to find a way out, I can help you explore all possible options. The initial consultation is FREE and I have offices in Valencia, Glendale & Cerritos. Visit my website at www.bulaonlaw.com or download my FREE BOOK at www.beforefilingbk.com.

Appointment line: 1-866-477-7772

Are you in a difficult financial situation involving bankruptcy or tax debt? Our experienced and compassionate Glendale attorneys at the RJB Law Offices help you search for the most efficient way to resolve your legal problems. Contact us today.

10/25/2018

Get Out of Debt... and start the New Year fresh! We're almost at the end of another year. This is a good time to review your financial goals and see where you are. if you are struggling in debt and are feeling hopeless about your future, come and talk to me. There is a way out! Let me help you figure out your best options. Call my office to schedule a free consultation at 866-477-7772. I have offices in Valencia, Glendale and Cerritos.

06/10/2018

Chapter 13 Federal Debt Consolidation is NOT a loan but a repayment program that allows you to pay back creditors over a 3-5 year period based on what you can afford. Most remaining debt after the repayment period is wiped out.

The interest rate on credit cards and most debts is reduced to 0% and you can combine all types of debts- credit cards, student loans, medical bills, IRS and State taxes, late mortgage payments, etc.- into one affordable monthly payment.

This is the BEST type of consolidation, NOT the programs you see online, on TV or hear about on the radio. Not enough income to pay your bills? Find out if this is for you.

If you are a resident of any of the following counties, we can help: Los Angeles, Orange, Santa Barbara, San Bernardino and Riverside. Call my office at 866-477-7772 for more information.

04/25/2018

Student Loan Problems? Know your options whether you have federal, private loans or both. Free Consultation if you owe $20,000 or more. Call my office at 866-477-7772.

American consumers just hit a scary milestone.They now collectively have the most outstanding revolving debt — often sum...
10/10/2017
Americans now have the highest credit-card debt in U.S. history

American consumers just hit a scary milestone.
They now collectively have the most outstanding revolving debt — often summarized as credit card debt — in U.S. history, according to a report Monday released by the Federal Reserve. Americans had $1.021 trillion in outstanding revolving credit in June 2017. This beats the previous record in April 2008, when consumers had a collective $1.02 trillion in outstanding credit revolving credit.

U.S. households collectively have more than $1 trillion in credit-card debt.

09/07/2017

Bankruptcy is not a one-size-fits-all solution but sometimes it's the ONLY way to get out of debt. Unfortunately, a lot of people are misinformed about the process and they sometimes go on for years suffering needlessly in debt when they could have done something sooner to turn their situation around. If you need a free debt analysis, call my office at 866-477-7772. I've helped more than 5,000 clients.

06/25/2017

BUSINESS PAYROLL TAX PROBLEMS?

WARNING: You may be held PERSONALLY liable by the IRS!

Payroll taxes are considered "trust fund" taxes by the IRS. This is money that you withhold from your employees' paychecks and are supposed to hold it "in trust' for the government.

if payroll taxes go unpaid, the IRS can impose what's called the "Trust Fund Recovery Penalty" against individuals it deems "responsible" for paying the taxes. This can be the owners, officers or even just employees of the business. When the penalty is assessed, the individual ends up being PERSONALLY LIABLE as if they owed the taxes themselves.

If you are experiencing payroll tax problems, don't wait until things get worse. My office helps business owners in finding resolution to payroll and all kinds of tax problems. if you need help, call 866-477-7772 to request a free attorney consultation.

05/16/2017

Commit to contributing to retirement accounts, establishing a minimum 3 month emergency fund, and getting out of debt. The long-term financial benefits of these three things will outweigh the vast majority of any other personal finance decisions.

05/13/2017

In California, you have 30 days to respond to a lawsuit after you've been served with a summons. if you don't respond within the allowed time, you can lose by default. Don't make this mistake. Know your legal options early.

04/15/2017

If you owe the IRS and can't pay, there are options available to either reduce, settle or negotiate a payment plan you can afford. Don't let the IRS intimidate you...You have legal rights as a taxpayer. Need to speak with a tax attorney? Call 866-477-7772.

03/08/2017

Do YOU Have Student Loans That You Can't Pay?

Question: How much time is the government allowed to collect unpaid student loans?

Answer: Forever!

Unlike private student loans, there is no time limit for the government to pursue you for the collection of federal student loans. That's right! If you default, they can follow you for the rest of your life and they can continue to add interest and collection costs causing you to be buried deeper and deeper in debt. Don't ignore them because they're not going away! If you need help with student loan debt, call my office at 866-477-7772 and request a free consultation.

11/03/2016

Debt Trouble? IRS or State Tax Problems? Free Confidential Consultation. Let's figure out how you can make 2017 a better year for you! I've helped over 6,000 clients since 1998. I can help you! Call 866-477-7772. I have offices in Valencia, Glendale and Cerritos.

08/24/2016

Think twice before cosigning for anyone. Cosigning creates "joint and several " liability for both you and the person you are doing it for. What that means is that both of you are liable for 100% of the debt! If the other person doesn't pay, you're on the hook for the entire debt and your personal assets are at risk if the creditor sues.

06/17/2016

Are you facing overwhelming financial struggle? You are not alone. Let me help you figure out your options. I have offices in Valencia, Glendale & Cerritos. Call 866-477-7772.

06/02/2016

CAN FILING BANKRUPTCY IMPROVE CREDIT?

Answer: Sometimes. Here's why...

All negative information stays on your credit for 7 years from the DATE LAST REPORTED. If you are not paying your bills, you are being REPORTED to the credit bureaus every single month... which means that it will take you much longer to rebuild. That is why sometimes, filing bankruptcy is a faster way to rebuild credit because once a bankruptcy case is filed, creditors can no longer report you as late or delinquent. The bankruptcy itself will be reported for 10 years from the date of filing but normally, it only takes a few years to raise your credit score again. Most people qualify to buy a home only 2-3 years after filing bankruptcy, just to give you an idea.

03/12/2016

DROWNING IN DEBT? There is a way out!!!
Cut Your Credit Card Payments In Half! Example: 60K credit card debt total; pay only $500 per month (Cases vary). Chapter 13 Debt Restructuring under Federal Law allows you to consolidate credit cards, taxes, late mortgage payments, student loans, medical bills, personal loans, etc. into one affordable monthly payment. For more information, call my office at 866-477-7772. FREE CONFIDENTIAL CONSULTATION.

02/21/2016

Drowning in Debt? There is a way out! File bankruptcy only if necessary. Negotiate with creditors if possible. Know your options instead of living in fear of what might happen. Call my office at 866-477-7772 to request a free consultation.

02/15/2016

NOT FILED TAX RETURNS IN YEARS AND AFRAID TO FACE THE IRS?

If, for whatever reason, you have missed filing your IRS tax returns over the last several years, perhaps you're afraid to face the IRS, not knowing what the consequences or liabilities might be. NOW IS THE BEST TIME TO GET BACK ON TRACK WITH THE IRS! Doing nothing only makes your problems WORSE!

It is NOT against the law to owe taxes- but it's certainly a CRIME not to file your tax returns! Call my office at (866) 477-7772 for help. All consultations are confidential. FREE INITIAL CONSULTATION.

02/08/2016

OWE THE IRS AND CAN'T PAY?

My office can help you pay the LEAST AMOUNT possible to the IRS. Don't give them another penny of your hard-earned money until you talk to us! We can help with IRS audits, Offers in Compromise, Installment Agreements, Liens, Levies, Wage Garnishments, etc. FREE CONSULTATION if more than 10K is owed. Toll-Free 866-477-7772. I have offices in Los Angeles, Cerritos, Pasadena and Valencia. FREE Ebook: "How To Solve Any IRS Problem" can be downloaded at www.zerotaxdebt.com.

Upcoming Asian Journal PRESS RELEASE:Debt Relief Attorney Ray Bulaon Opens Los Angeles Office Attorney Ray Bulaon, known...
02/08/2016
Bankruptcy Lawyer in Los Angeles | RJB Law Offices

Upcoming Asian Journal PRESS RELEASE:

Debt Relief Attorney Ray Bulaon Opens Los Angeles Office

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 the area including the historic “Filipino Town”. Attorney Bulaon helps clients take control over their overwhelming debt problems so that they can recover quickly and rebuild their finances.

The firm’s Los Angeles office address is 3727 W. 6th Street, Suite 603, Los Angeles, CA 90020 in Koreatown (corner of 6th and Harvard St.) and easily accessible by public transportation. Attorney Bulaon’s team members- who together have more than a decade of experience- have helped thousands of clients in solving all kinds of debt problems related to IRS taxes, foreclosure, credit cards, student loans, lawsuits, judgments and all types of collection actions. The firm’s legal team includes Tax Attorney & CPA, Jessica Monroe, and Debt Mediation Attorney, Talin Bahadarian. They are able to handle cases in the California State Courts as well as cases in the U.S. District Court in the Central District of California. The firm also serves individuals and business owners throughout Los Angeles, Ventura, Orange, Riverside and San Bernardino Counties. Other office locations include Cerritos, Pasadena and Valencia.

Clients who turn to the firm for help can expect to have their case handled with utmost respect and confidentiality. The firm’s legal team is responsive to client needs and the staff is trained to understand the difficulties that clients are going through when facing debt challenges so they are sensitive to clients’ needs. “When people don’t address their debt problems quickly, the consequences can be devastating”, says Attorney Ray Bulaon. “If you are facing any kind of debt problem that threatens your financial security, the worst thing that you can do is to pretend that it doesn’t exist and do nothing.”

Individuals and business owners in the local region who need assistance in getting their financial affairs back in order can learn more about how the law firm can provide assistance and request a free one-hour consultation with Atty. Bulaon. The number to call is 866-477-7772 and firm’s website is www.bulaonlaw.com. For those who are considering bankruptcy as an option, Atty. Ray Bulaon also wrote a book called: “What You Need To Know Before Filing Bankruptcy” and it can be downloaded free of charge at www.beforefilingbk.com or call the above number to request a FREE COPY.

If you are facing overwhelming debt, bankruptcy may be a viable option. Contact an experienced bankruptcy attorney at our firm to learn more about your financial options.

The number of IRS audits are down. But customer service continues to get worse. If you need help dealing with the IRS, m...
11/10/2015
IRS customer service will get even worse this tax filing season, tax chief warns

The number of IRS audits are down. But customer service continues to get worse. If you need help dealing with the IRS, my office can help. Call 866-477-7772 for more information. We have offices in Los Angeles, Valencia, Pasadena & Cerritos.

WASHINGTON—Internal Revenue Service Commissioner John Koskinen said this week that taxpayers should expect customer service to “get worse” during the upcoming filing season unless Congress boosts the agency’s budget—worse, that

Here's a book I wrote in 2013. Call my office at 866-477-7772 to request a copy or download for free at www.beforefiling...
11/09/2015
A New Book to Help with Debt Challenges - elite Magazine

Here's a book I wrote in 2013. Call my office at 866-477-7772 to request a copy or download for free at www.beforefilingbk.com

A New Book to Help with Debt Challenges Details Created: Tuesday, 26 March 2013 15:58 Consumer Guide: What You Need to Know Before Filing Bankruptcy Bankruptcy can be overwhelming, and getting out of debt can be a nightmare. A once struggling law student, Ray Bulaon, ESQ, Santa Clarita Valley debt…

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100 N. Brand Blvd. 2nd Floor
Glendale, CA
91203

Opening Hours

Monday 09:00 - 18:00
Tuesday 09:00 - 18:00
Wednesday 09:00 - 18:00
Thursday 09:00 - 18:00
Friday 09:00 - 18:00

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