by Ray Bulaon | Dec 30, 2025 | Business News
When Business Owners Can Be Personally Responsible for Business Debts – Ray J. Bulaon Many people start a small business believing that forming an LLC or corporation fully protects their personal finances. While these business structures do offer important legal...
by Ray Bulaon | Nov 28, 2025 | Business News
How Merchant Cash Advances (MCA’s) Cause Serious Cash Flow Problems For Business Owners In recent years, Merchant Cash Advances—commonly known as MCAs—have exploded in popularity among small business owners seeking fast access to capital. On the surface, MCAs look...
by Ray Bulaon | Oct 29, 2025 | Business News
Where Did Your Debt Problems Come From? – Ray J. Bulaon I was counseling someone the other day in my office. He looked shocked and confused as we sorted through all the credit card statements on my desk and added up how much he owed. $65,000! That’s how much the...
by Ray Bulaon | Oct 1, 2025 | Business News
Facing Debt: Understanding Your Options Before It’s Too Late – Attorney Ray Bulaon Many people today find themselves burdened by overwhelming debt, constant calls from creditors, and what feels like no way out. For some, a sudden job loss led to a downward...
by Ray Bulaon | Aug 30, 2025 | Business News
How Debt Restructuring Can Save Your Small Business – Ray Bulaon Running a small business can be both rewarding and overwhelming. Owners often find themselves wearing multiple hats—marketer, manager, problem-solver, and financial overseer. Unfortunately,...
