Business Details
Trusted Bankruptcy & Debt Relief Lawyers in Cerritos, CA
At Financial Recovery Law, we have dedicated over two decades to helping individuals and businesses overcome financial distress. Our practice focuses on bankruptcy, debt settlement, tax resolution, and creditor protection, guided by a team fluent in English, Tagalog, and Armenian. We prioritize client needs through personalized strategies, offering free consultations to develop tailored solutions for debt relief. Our attorneys, including Ray Bulaon, bring extensive experience in navigating complex financial challenges, including IRS disputes, wage garnishment, and foreclosure prevention.We emphasize transparency, treating every client with respect while delivering honest, knowledgeable advocacy. With offices in Cerritos, Glendale, and Valencia, we serve communities across California, combining legal expertise with compassionate support to restore financial stability. Our track record of assisting thousands reflects our commitment to practical, ethical solutions that empower clients to rebuild their futures.
Services
Chapter 7 Bankruptcy
Debt Settlement
Tax Resolution
Creditor Harassment Defense
Foreclosure Prevention
Wage Garnishment Relief
Chapter 13 Bankruptcy
Loan Modification
IRS Payment Plans
Credit Restoration
Highlights and features
- We have over 20 years of experience in debt relief and bankruptcy law.
- Multilingual attorneys fluent in English, Tagalog, and Armenian.
- Client-focused service with free initial consultations.
- Proven track record helping thousands overcome financial distress.
- Specialized in IRS tax resolution and creditor harassment protection.
What people say
Incredibly helpful
Excellent service
Genuine, capable and kind
Financial situation improved
Continues tips for credit building
Services
Chapter 7 Bankruptcy
Chapter 7 Bankruptcy provides debt relief through asset liquidation to discharge unsecured debts. Ideal for individuals with limited income, this service stops creditor harassment and wage garnishment while offering a structured path to financial recovery. Our attorneys guide clients through exemption protections to preserve essential assets.
Tax Resolution
Tax Resolution services address IRS liens, audits, and unpaid taxes through negotiated settlements and payment plans. Our team specializes in offers in compromise, penalty abatements, and payroll tax solutions, helping clients achieve compliance while minimizing financial impact and future liabilities.
Debt Settlement
Debt Settlement reduces unsecured debts through direct negotiations with creditors. This alternative to bankruptcy consolidates payments into manageable amounts, prioritizing rapid debt reduction while protecting clients from collection actions and legal consequences.
Creditor Harassment Defense
Creditor Harassment Defense safeguards clients from unlawful collection practices under the Fair Debt Collection Practices Act. We enforce legal boundaries to stop persistent calls, threats, and wage garnishment while developing long-term debt management strategies.
Foreclosure Prevention
Foreclosure Prevention services restructure mortgage debt through loan modifications and repayment plans. Our attorneys negotiate with lenders to reduce payments, eliminate arrears, and protect homeownership rights, ensuring sustainable solutions for long-term stability.
People
Ray Bulaon
Attorney at Law
Ray Bulaon has over 20 years of experience in bankruptcy and tax law, helping thousands of clients achieve financial recovery. Fluent in English, Tagalog, and Armenian, he specializes in debt relief, IRS resolution, and creditor protection with a client-centered approach.
Questions
What bankruptcy options are available for individuals?
We specialize in Chapter 7 and Chapter 13 bankruptcy, offering debt discharge or structured repayment plans tailored to your financial situation.
Can debt relief help without filing bankruptcy?
Yes, we offer debt settlement and negotiation services to reduce unsecured debts without bankruptcy, preserving your credit score.
How does tax resolution work with the IRS?
Our tax resolution services include negotiating payment plans, offers in compromise, and penalty abatements to resolve IRS disputes efficiently.
Is the initial consultation truly free?
Yes, we provide a free initial consultation to assess your financial situation and recommend personalized solutions without obligation.
How long does bankruptcy affect credit?
While bankruptcy impacts credit for 7-10 years, we provide credit restoration guidance to help rebuild financial standing post-discharge.
