Author Posts

Running Scared: Debt Collectors Who Threaten Consumers

“Debt collectors frequently use threats to extract payment from the more than 70 million consumers who fall behind on their bills, the Consumer Financial Protection Bureau reports in a new study of collection industry practices. The federal agency reported that one-in-four consumers contacted by collectors in the past year felt threatened, and that more than […]

CNBC: Bankruptcy Info

“It’s only Monday, and the retail sector has already seen a rough start to the week. Gymboree’s filing for Chapter 11 bankruptcy protection has many retail industry watchers wondering who’s next. With the record pace of bankruptcies in the industry this year, bankruptcy, for some, is becoming an issue of when the company will file, […]

Credit Counseling

Living paycheck to paycheck? Worried about debt collectors? Can’t seem to develop a workable budget, let alone save money for retirement? If this sounds familiar, you may be considering the services of a credit counselor. Credit counseling is a service that educates and guides consumers who are trying to gain control of their finances. It […]

About Our Firm

  The Law Office Of Raymond Perez Attorney Raymond Perez has over 25 years of experience in Bankruptcy Law, he has established a strong rapport with the Federal Bankruptcy Court and Trustees. Attorney Raymond Perez knows how to effectively protect your rights with efficiency and accuracy, resulting in elimination of your debt and protecting your […]

Save Your Home

Chapter 13 Bankruptcy The goal in a Chapter 13 bankruptcy is to restructure a payment plan. If you can make and maintain timely payments, Chapter 13 allows you to retain property with significant equity, such as your automobile or home. Chapter 13 is intended for those who are struggling financially to maintain ownership of their property or […]

Considering a Chapter 7 Bankruptcy?

Chapter 7 bankruptcy is a process that gives you the opportunity to make a fresh financial start. Our Los Angeles and Orange County Chapter 7 attorney will help you to eliminate all of your unsecured debt, such as credit cards, most personal loans, student loans, medical bills, collections, it will also eliminate wage garnishments, lawsuits, […]


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