Skip to Content
Free Consultations Via Phone or Webchat - We Answer Live 24/7
Top
A Dedicated Team Focused on Finding Solutions We're here to help you find and gain financial relief.

SOLUSYON SA INYONG PROBLEMA

Problema Sa Utang?

Huwag Po Ninyong Isakripisyo ang Kinabukasan Ninyo At Ng Inyong Pamilya!

“Ako po si Attorney Ray Bulaon.
I’m a Debt Settlement and Bankruptcy lawyer PERO ang bankruptcy po SHOULD BE YOUR LAST OPTION.”

Lahat po tayo ay nagnanasa ng magandang kinabukasan hindi lamang para sa ating sarili, kundi pati na rin sa ating mga minamahal sa buhay…

Pero minsan, if you have debt problems, parang napakahirap abutin ng inyong mga pangarap. This is true especially if you have family and loved ones who are counting on you for financial support. (For example, kung kayo po ay may pamilya sa Pilipinas na umaasa sa inyo, not being able to send them what they need can be very painful for you. I understand.)

Huwag mawalan ng pag-asa! Kung kayo po ay nahihirapan sa pagbayad ng utang, you have rights under the law.

If possible, I will negotiate with your creditors and settle your debts for 50% or less so that you can save money and avoid bankruptcy.

What is Debt Settlement?

Debt settlement is paying your creditors LESS than what is originally owed. You are only paying a portion of the actual balance.

How Do I Know If My Creditors Will Settle?

I am an experienced attorney who deals only with debt relief including bankruptcy law. Most creditors are eager to settle for less because they know that if you do file for bankruptcy, they would likely receive no money.

What Happens When My Account is Settled?

You will no longer owe any money on the account. It will be closed out completely. You will no longer have use nor access to the account.

How Will This Affect My Credit?

Your credit report will list the particular account that has been “settled”. This tells potential creditors that you paid less than what you owed. This is NOT a bankruptcy, but a settlement. Unlike a bankruptcy which is a public record, a settlement tells a future lender that you handled this matter privately and paid an amount back to the creditor.

How Much Do I Need To Pay For A Settlement?

My settlement success rate is generally 50% of what is owed but sometimes, it could be as low as 10-30% depending on several factors. My fee is either a percentage of the debt owed or a percentage of the savings I obtain for you. I do charge a small initial start-up fee in beginning to let creditors know that I am representing you so that they will no longer call you. All collections calls will go to my office directly; you no longer need to speak with any of your creditors once they know that you have hired me.

Libreng Konsulta

Tumawag po kayo sa akin, Attorney Ray J. Bulaon, sa lalong madaling panahon para sa libreng konsulta. May panibagong simulang naghihintay sa inyo!

Ray Bulaon

Ray J. Bulaon, Attorney At Law

“The Filipino Community’s No. 1 Debt Relief Expert. More than 6,000 Cases Since 1998.”

CLIENT TESTIMONIALS

*Last names not shown to protect privacy

Irene A. (Client, Valencia, CA)

“I first went to Ray unsure if he could help me, but Ray and his team did a fabulous job! They were in constant contact with me. They are so professional and knowledgeable. I'm now debt free, and a burden has been lifted from my shoulders 🙏Thank you Financial Recovery Law.”

Maral A. (Client, Glendale, CA)

Ray was easy to understand and talk to. He gave us a lot of information to help us make the best decision for us. Everyone at the law firm was helpful and friendly.

Ilene Y. (Client, Los Angeles, CA)

Having difficulty right now but I learned from my mistakes. Hoping that one day I’ll be back on track again. I made a big mistake and so I have to deal with it day by day and I learned from it Thank you to Atty. Bulaon for his help and guidance and I really appreciate it.

RECENT CASES SETTLED

Name of Creditor: First National Bank of Omaha

Original Amount: $21,154.35

Settled For: $6346.00

Client Saved: $14,808.35 (70% reduction)


Name of Creditor: Discover Card

Original Amount: $12,741.41

Settled For: $6,700

Client Saved: $6,041.41(47% reduction)


Name of Creditor: Wells Fargo Visa

Original Amount: $7632.57

Settled For: $3037.03

Client Saved: $4,955.54 (60% reduction)


Name of Creditor: Capital One

Original Amount: $8736.94

Settled For: $4368.47

Client Saved: $4,368.47 (50% reduction)


Name of Creditor: JP Morgan Chase

Original Amount: $4999.96

Settled For: $2000

Client Saved: $2,999.96 (60% reduction)


I Can Help With:

  • CREDIT CARDS
  • PERSONAL LOANS
  • STUDENT LOANS
  • TAXES
  • MORTGAGE
  • LOAN MODIFICATION
  • LAWSUITS
  • JUDGMENTS
  • ALL KINDS OF DEBT!

FREE CONSULTATION 866 477 7772

(Or fill out form below and we will contact you ASAP)

Website: www.abogadongpilipino.com

Panibagong Simula, Panibagong Buhay!

Real Stories From Real People

    "Clearly understood"
    Great explanation. Clearly understood. Ready for the next step!
    - Benjie B.
    "Thank you for your help."
    Very informative and highly recommended. Thank you for your help. God bless you Attorney Ray.
    - Michael C.
    "Very impressed"
    Very impressed with Mr. Bulaon. He is obviously very good at what he does. He is friendly, smart, and patient and makes you feel comfortable right away. I wouldn't hesitate to hire this firm or recommend him to anyone needing the service he provides!
    - Traci B.
    "Very professional and kind person."
    Very helpful. Explained every possible way to solve my case. Very professional and kind person. Thank you for helping me again.
    - Normita
    "Thank you"
    After being frustrated with our case being prolonged by another firm, I found Mr. Bulaon of RJB Law Offices. I was very pleased with our initial meeting. I look forward to getting our case resolved finally and behind us. My only disappointment was with myself for not finding Mr. Bulaon sooner. Thank you.
    - Verla R.
    "Thanks for all your help"
    Best lawyer and crew. Thanks for all your help!
    - Marco J.
    "Very professional"
    Very professional and informed, his knowledge of our situation was obvious and I feel we will come to a great resolution.
    - Michael G.
    "They really want to help"
    Very informative and patient and seemed to really want to help.
    - Greg W.
Download Our Free eBook Written by Ray Bulaon, Attorney at Law
Learn about common mistakes to avoid, the 4 "big lies" about bankruptcy, rebuilding your credit, facing foreclosure, and more! We've helped thousands of clients overcome their debt issues.

Contact Us Today

Need Immediate Assistance? Call (888) 256-8581 Now - We Answer Live 24/7!
  • Please enter your first name.
  • Please enter your last name.
  • Please enter your phone number.
    This isn't a valid phone number.
  • Please enter your email address.
    This isn't a valid email address.
  • Please make a selection.
  • Please enter a message.
  • By submitting, you agree to be contacted about your request & other information using automated technology. Message frequency varies. Msg & data rates may apply. Text STOP to cancel. Acceptable Use Policy

Why Choose Us

We Put You & Your Needs First
  • We will treat you, like we treat all our clients, with respect and decency.
  • We are a multi-lingual firm with attorneys fluent in English, Tagalog, and Armenian.
  • We are known for honest, knowledgeable, and client-focused service.
  • We've helped thousands of people and businesses find debt relief.