Ray Bulaon was born in the Philippines and came to the United States when he was 16 years old. Ray and his wife struggled as a young law student with a small growing family and were overwhelmed with job losses and never-ending bills. They learned firsthand what it feels like to be in debt and not have anyone on your side to protect you and your family's assets.

After completing his law studies and obtaining his Juris Doctorate degree, he was admitted to the California Bar in 1997. Ray worked for 7 years (first as a paralegal and then as an attorney) at one of California's largest Bankruptcy firms before deciding to open his own law practice in 2001. Since becoming an attorney, he has successfully represented more than 5,000 individuals and small businesses in Chapter 7and Chapter 13 Bankruptcy. Ray is licensed to represent clients in all State courts and in the United States District Courts in the Central Districts of California. Ray can be of service to tax clients nationwide.

Thus, after working hard to earn his law degree, Ray decided to put his education to work helping people protect themselves and their families in trying financial times. Ray understands that difficult times can happen to anyone and that acting quickly to solve your problems- rather than waiting around for things to get better- will give you more choices in the long run.

Ray likes to spend his free time with his wife, Sarah and their 3 children, Jessi, Jake and Josh. To him, family is the most important and should always come first.