Income Taxes
There aren’t many options for dealing with back taxes owed to the IRS or to a state or local taxing authority, but there are a few. The companies that advertise on TV and on the internet aren’t even coming close to telling you the whole story. Read more–>

Lawsuit Defense
Being sued means almost nothing; it’s just a warning that something bad could happen soon if you don’t deal with it properly. It’s the judgment that comes at the end of the lawsuit that gives creditors all of the extra rights and powers.
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These are two branches of the same tree. These two terms essentially describe the same thing, but there are some significant differences between foreclosure of real estate and the repossession of vehicles or other personal property, and it is important to understand those details. Read more–>

Debt Collection
You have rights, even if you really do owe the debt. The Fair Debt Collection Practices Act applies only to debt collectors (anyone other than the actual original creditor) and requires them to treat you with truth, fairness, dignity and respect. Read more–>

Student Loans
Contrary to popular belief, there are options for dealing with student loans. Whether yours are federal, private, both, or you just don’t know what they are, I can help you figure out where you stand and what your options are, often for a lot less money than you might think. Read more–>

Credit Reporting
Credit reports are a necessary evil in today’s world, but they are confusing, illogical and often simply wrong. You try your best to get them to fix it, but they ignore you, or worse. Read more–>

The Law Office of Bruce A. Ralston is a federally-recognized debt relief agency.
In addition to all of the other ways we help people with debt and credit issues,
we also file bankruptcy cases under Title 11 of the United States Code.

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