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About me

More than 20 years ago, as a struggling law student with a small growing family,  my wife and I found ourselves overwhelmed with job losses and never-ending bills. We learned firsthand what it feels like to be in debt.

After obtaining my law degree, I put my education and knowledge to use by helping clients who are are facing difficult times. When I became an attorney in 1997, I worked for one of California's largest consumer bankruptcy law firms. In 2001, I started my own law firm and continued to practice in the areas of consumer bankruptcy law and debt relief. To date, I have counseled and helped more than 5,000 clients in finding solutions to their debt problems.

When I'm not working, I love spending time with my beautiful wife of 26 years and our 3 wonderful children. Family is important to me. A few years ago, I started introducing myself as a FAMILY FINANCE LAWYER because I am passionate about helping families who are struggling in this area of their lives. Whether they are facing foreclosure, debt problems, a failing business, medical bills, student loans or tax problems, I help them figure out the best solution for their situation so they can find financial peace of mind again. To me, that is priceless.


Languages spoken: English, Tagalog, Spanish

Practice areas


  1. Chapter 7: 31%
    19 years
  2. Chapter 13: 31%
    19 years
  3. Bankruptcy: 19%
    19 years
  4. Tax: 19%
    19 years


Payment types:

Cash, Check, Credit card

Attorney endorsements

2 total 

Are you an attorney? Endorse this lawyer

  • Nathan Asher Berneman

    I endorse this lawyer. I worked with Ray in the same firm many years ago and in the last 15 years or so I have assisted Ray with many cases where I have attended court hearings on his behalf. The work he does on his cases and for his clients is excellent and I have enjoyed working with him and his staff.


    Nathan Berneman Bankruptcy and debt Attorney
    Relationship: Friend

  • Peter Maurice Lively

    I endorse this lawyer. Experienced and hard working.


    Peter Lively Bankruptcy and debt Attorney
    Relationship: Fellow lawyer in community

Contact info

RJB Law Offices

1055 East Colorado Boulevard
Suite 5122
Pasadena, CA, 91106

RJB Law Offices

25000 Avenue Stanford
Suite 262
Valencia, CA, 91355

RJB Law Offices

18000 Studebaker Road
Suite 700
Cerritos, CA, 90703

RJB Law Offices

3727 W. 6th St.
Suite 603
Los Angeles, CA, 90020



We have not found any instances of professional misconduct for this lawyer.
Avvo contributions
Legal answers
Award nameGrantorDate granted
Ultimate Bankruptcy LawyerSCV Elite Magazine2015
Work experience
TitleCompany nameDuration
OwnerRJB Law Offices, Inc.2015 - Present
OwnerRay Bulaon Law Offices, Inc.1997 - 2015
Association namePosition nameDuration
American Society of Tax Problem SolversCertified Tax Resolution Specialist (CTRS)2006 - Present
State Bar of CaliforniaMember1997 - Present
National Association of Consumer Bankruptcy AttorneysMemberN/A
Los Angeles Bankruptcy ForumMemberN/A
Central District Consumer Bankruptcy Attorneys AssociationMemberN/A
Publication nameTitleDate
Wordpress Association PublishersWhat You Need To Know Before Filing Bankruptcy (Author)2013
School nameMajorDegreeGraduated
Kensington University College of LawLawJD - Juris Doctor1995