Ray Garwacki, Jr. is with the law firm of Garwacki & Associates

which is located in Los Angeles, California. The firm specializes in creditor’s rights, bankruptcy and collection matters, and Ray has been representing creditors for twenty five years. His practice has focused upon collection, litigation, bankruptcy and transactional matters.

He is a 1977 graduate with honors from Whittier College where he received a Bachelor of Arts in Political Science and he received his Juris Doctor from Pepperdine University School of Law in 1980. He is a frequent author and lecturer on legal topics, including collection issues and creditors rights.

Ray Garwacki