Running a business is difficult enough without aggressive creditors, collection agencies, IRS notices, SBA loan problems, merchant cash advances, lawsuits, and overwhelming debt. Yet every day, business owners across America find themselves under pressure from financial threats that seem to grow stronger with every passing month.
Seeking a Path Forward
Know Your Options
We’re ready to help
Schedule a Debt Defense Strategy
25+
Years of Experience
When Creditors Attack, Stand Your Ground
- Phone calls increase
- Letters become more aggressive
- Cash flow tightens
- Stress rises
- Sleep becomes harder to find
- The future becomes more uncertain
"At River Debt Defense, we believe business owners deserve more than fear and uncertainty. They deserve a plan.
Certified Debt Resolution Expert
Meet Attorney Ray Bulaon
For more than 27 years, Attorney Ray Bulaon has helped individuals and business owners confront serious financial challenges, understand their options, and take meaningful steps toward protecting their businesses, families, and futures.
- Business Debt Settlement
- IRS Tax Problems
- SBA and EIDL Loan Issues
- Merchant Cash Advance Problems
- Personal Guarantees
- Business Closure Planning
- Bankruptcy Alternatives
- Financial Crisis Planning
Unlike many lawyers who focus solely on legal theory, Ray has spent decades working directly with people facing real-world financial crises. His clients are not large corporations with unlimited resources. They are business owners, entrepreneurs, self-employed professionals, contractors, and families trying to protect what they have built.
- Asset Protection
- Financial Recovery Strategies
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Throughout his career, Ray has helped thousands of clients understand their options and make informed decisions when facing financial pressure. He understands that debt is rarely just a financial problem. Debt affects families, affects health, affects sleep, and affects confidence. Most importantly, debt affects decision-making. That's why River Debt Defense focuses on helping business owners move from fear and uncertainty toward clarity and action.
- Guidance
- Clarity
- Aggressive Debt Defense
- A Path Forward
- Peace of Mind
Debt Defense Services
Our Goals are simple: Protect the Owner. Protect the Family. Protect the Future.
WHEN BUSINESSES CANNOT PAY IN FULL
BUSINESS DEBT SETTLEMENT
We help evaluate options and develop settlement strategies.
WHEN YOU OWE THE IRS MONEY
IRS TAX RESOLUTION
We assist clients facing tax debt, collection actions, payment plan issues, tax liens, levy concerns, and other IRS-related challenges.
STRUGGLING WITH SBA OR EIDL LOANS?
SBA & EIDL LOAN ISSUES
Business owners struggling with SBA or EIDL obligations often have questions about personal liability, collection exposure, and available options.
MCA LOANS CREATING CASH FLOW PROBLEMS?
MERCHANT CASH ADVANCE PROBLEMS
Merchant cash advances can create severe cash flow pressure. We help business owners understand their rights and available strategies.
FACING CREDITOR LAWSUITS?
CREDITOR LAWSUIT DEFENSE STRATEGY
When lawsuits are threatened or filed, understanding available options early can be critical.
CLOSING A BUSINESS?
BUSINESS CLOSURE PLANNING
Sometimes the best decision is not continuing to lose money. We help evaluate closure, settlement, restructuring, and other available paths.
OUR PHILOSOPHY
Creditors Want Your Scared. We Want Your Prepared.
Checkout Our Recent Success Stories
Real clients. Real challenges. Real results. See how we've helped individuals and businesses regain control of their finances through strategic, practical solutions.
When Creditors Become Aggressive, You Need an Experienced Defender.
Why Choose River Debt Defense?
01 - 25+ Years of Legal Experience
Experience matters. For more than 25 years, we’ve helped clients navigate complex legal and financial challenges. We know the law. We know the options. And we know how to build a strategy that moves you forward.
02 - Thousands of Clients Assisted
We’ve helped thousands of people take control of difficult financial situations and move from fear and uncertainty toward clarity and action.
03 - Extensive Experience in Debt Resolution
From creditor negotiations and restructuring to lawsuits, tax issues, and bankruptcy alternatives, we focus on solutions that work in the real world.
Don't Let Fear Make the Decision
The first rule of debt defense is simple: Do not panic. Many business owners make costly mistakes because fear causes them to delay action. The longer financial problems remain unaddressed, the fewer options remain. Take the first step toward understanding your situation. During your Debt Defense Strategy Session, we will discuss:
- Who you owe
- The type of debt involved
- Any personal guarantees
- IRS issues
- SBA or EIDL issues
- Lawsuit exposure
- Asset protection concerns
- Potential resolution strategies
KNOWLEDGE REDUCES FEAR.
ACTION CREATES OPTIONS.
Book a Debt Defense Strategy Session
(661) 775-4880
Our Most Recent Client
Testimonials
"
Ray was incredibly helpful clarifying my tax situation in layman's terms and outlining my options to resolve the issue. He put my mind at ease and I'd strongly recommend him to others who need an experienced and timely tax guide.
Anton Heras
Google Review"
Professional, compassionate, and their attention to detail is fantastic. Would 100% recommend RJB Law Offices for legal assistance. Everyone we interacted with genuinely cared and helped us during a very difficult time.
Sheela Petersom
Google Review"
Ray and his firm took great care of us during difficult times. I would highly recommend this law office to anyone needing help during those tough financial discussions and what your options are.
Peter Dragalowski
Google Review"
Atty Bulaon helped us a lot in our financial crisis. very professional and and very compassionate person.. Two thumbs up!!
Nelissa Lopez
Google Review"
Ray Bulaon was very knowledgeable, experienced, he took the time to explain our options. April and Jasmine were great also. Always quick to respond and professional. Seamless experience. Thank you!!
Anahid Hakim
Google Review"
Thanks to them I can now breath and focus on my personal life as my husband became ill and is in the mend. I never knew how happy my life can be thanks to their incredibly hard work and professionalism that everyone of them have.