RJB Law Offices (Ray Bulaon)

Products And Services

• 

  Chapter 7 Bankruptcy

  See if Chapter 7 is right for you! Chapter 7 is one of several bankruptcy options that caters to individuals with a specific set of financial circumstances. It is aimed to serve the needs of those who are struggling with unmanageable debt, but who do not own assets that require protection from creditors. Contact RJB law offices to see if this option is right for you!

  Link: Chapter 7 Bankruptcy

• 

  Chapter 13 Bankruptcy

  Chapter 13 is primarily focused on individuals who are seeking a way to rid themselves of their debt without having to part from the valuable assets that they possess. The person continues to pay their creditors in installments (typically for a period lasting three to five years), until their debts have been fully satisfied, at which point they are released from having the majority, or all, of their financial liabilities. Learn more about Chapter 13 on our website!

  Link: Chapter 13 Bankruptcy

• 

  Business Debt Settlement

  Whether a business owner is considering debt settlement or bankruptcy, RJB Law Offices can provide dedicated help that is designed to help business owners attain their goal of freedom from financial struggle. If you are worried about the viability of your business, it is important to know that you are not out of options. Contact us today!

  Link: Business Debt Settlement

• Creditor Harassment

  If your pleas and letters to creditors and debt collectors are not stopping the harassment, there are other steps that you can take. Save all voicemails and letters from your creditors or from their collection agencies. Take notes on all of your phone conversations. (It is not legal in this state to record conversations unless you have the consent of all parties). Turn this information over to us. We will use it to help stop creditors and debt collectors from harassing and abusing you once and for all.

  Link: Creditor Harassment

• Debt Relief

  Many companies offering debt relief or debt consolidation services are only interested in making money, and do not operate in the best interests of their clients. In some cases, they can even make things worse. If you are seeking an effective means for ridding yourself of debt, it is advised that you hire a qualified attorney who will work for you with your financial goals in mind.

  Link: Debt Relief

• Debt Settlement

  There are many viable options for those who can no longer afford to pay towards their debts, and one of those options is debt settlement. Debt settlement involves paying a creditor a lump sum towards one's debt that is less than the full amount owed. Also known as debt negotiation, this is a financial tool that may be available to you. However, lenders are not under any obligation to agree to a settlement. That is why it may be in your best interest to have a persuasive and experienced debt settlement lawyer on your side fighting for you.

  Link: Debt Settlement

• Foreclosure Defense

  Home loan lenders, like many other financial institutions, frequently do not operate with the homeowner's best interests in mind, and there are many examples of lenders foreclosing on a property in an illegal or unfair manner. If you are worried about losing your home, you are not without recourse. It is to your benefit to hire an attorney who can represent you in your case, and fight for the chance for you to remain in your home for good.

  Link: Foreclosure Defense

• Loan Modification

  Link: Loan Modification

• Help with Collection Appeals Programs (CAP)

  By instituting a proper collection appeal, you can find relief from some of the most common practices the IRS uses to collect money owed. If you would like help understanding garnishments or any other forms of collection processes, contact our firm today to speak to a knowledgeable tax lawyer.

  Link: Help with Collection Appeals Programs (CAP)

• Credit Restoration

  Link: Credit Restoration

• Estate Planning

  Link: Estate Planning