First of all, I wanted to say thank you Raymond for helping me WIN my bankruptcy case! I am truly thankful to have been able to work with you. Thank you for being my shield! I am able to have a fresh start because of you! Also, I'm sorry this review is so late! Here is my story: About one year ago... In 2017, I was having a really hard time keeping my business afloat. I contemplated on whether I needed to file for bankruptcy or to keep going. It was such a hard decision for me because I didn't want to give up on my business. Long story short, I decided to go on Yelp to see the different bankruptcy firms. I came across of Affinity Law Group. I messaged them through Yelp and I got a quick response. (Just like what yelp says. LOL) Raymond was the one who contacted me. I told him over the phone the financial situation I was in. Then, we met in person to see if bankruptcy was an option for me and if it was something I wanted to continue with. After meeting with Raymond, I started to feel as though there was a light at the end of the tunnel... instead of it being always dark. Raymond is friendly, honest and very knowledgeable. He is also extremely patient and understanding. I had a lot of questions and contacted him like an annoying ex girlfriend trying to get back with their ex. LOL (had to throw some humor in here.) Any-whom, if you're like me where you feel lost and confused, please give Affinity Law group a call! (Or message them.) I can honestly say that you wont regret it! P.S. they are reasonably priced for the amount of work they do. Actually I really think that for the amount of work they do, they don't get paid enough! Thank you again Raymond! Much Aloha, Chelsea read more

Look no further; Attorney Raymond Cho was the answer to our prayers and years of heartache and trials. It took us a while to get things done 'cause our case was pretty extensive to work on and 'cause I needed to do my part to help complete the process and 'cause we encountered some roadblocks that we needed to address. Raymond is very knowledgeable and very patient and very thorough. He doesn't pressure you like a "salesman"- but he advises you as a professional business man, Attorney at Law. They are by far thee most affordable and they deserve every single penny they charge for professional services rendered, cause he goes above and beyond for you. Thank you Lord for blessing us to find Raymond and helped us to change our lives and get our financial house in order. If you want peace of mind, and peace in your heart and soul and need help w/personal bankruptcy and getting your lives in order, please contact Attorney Raymond Cho of Affinity Law Group; he will bless your lives. Thank you from the bottom of our hearts Raymond! Much Alofa's and Fa'afetai tele lava- Ana Sr and Lua Tuiasosopo read more

I never thought that I would be in the position that I would feel like I was drowning with no way out. I thought I had been doing all the right things, but life always has a way of throwing a curve ball at you. I was feeling the stress and didn't know what to do. I was recommended by my husband to give Raymond Cho a call. I highly recommend that you give attorney Raymond Cho at Affinity Law Group a call if you find yourself in the same situation. Raymond walks you through everything and is not pushy. He allows you to go at your own pace and doesn't add stress to an already stressful situation. Raymond does not judge you and truly wants to help you to get a fresh start. I am so glad that my husband recommended Raymond to me because now I feel like a weight has been lifted off my shoulder. Raymond is always there to answer any questions I may have and definitely helps to put my mind at ease. Don't wait another moment and give Raymond Cho a call at Affinity Law Group. read more

If you want to save yourself time and money and have good experience of taking care of your financial life challenges call Raymond Cho. I made a call in the morning in the confusion and sad mood " I have been thinking what to do in my situation for several years, did not want to loos my home but wanted to be free from difficult situation dragging my debts for 10 years and not be able to pay it off. 10 years of monthly payments never late, I would pay this debt many time if no interest but we all know interest keeping us where we are. I talk to other bankruptcy lawyers but did not like the way I was treated. Someone recommended Raymond many months before I called but my bad experience with others kept me not calling him. This morning I did! He really treated me as it said in the law: "the Value of a human-life is bigger then a debt". I felt good after 15 min of conversation. And made my decision quickly after conversation. Raymond Cho thank you so much! read more

I was in a horrible situation, and I needed help with filing for bankruptcy, because we were in foreclosure of our home. By the grace of God, I found Raymond Cho from the Affinity Law Group. I called to ask information, left a message and Raymond returned my call, informing me that what would be needed to get done. The hours for appointments were so convenient, that I did not miss time out of work. Raymond Cho worked extremely hard for my case. I not only had sleepless nights, and I am sure that my attorney went through as well. Raymond not only assisted me with my bankruptcy, but he has also helped me to save our family's home. From me and my family we are so very grateful for Raymond Cho. Thank you very much. If you are looking for an attorney, who will take the time to understand, and listen to your situation, give this superman Raymond Cho a call from the Affinity Law Group a call. (808) 545-4600. read more

I came to Raymond with a troubled heart and mind regarding my serious financial issues. He was extremely kind and very helpful. He explained the whole process and put my mind at ease. He was very informative and insightful regarding what would be best for me, given my personal situation. My consultation was FREE, his regular rates are affordable and I felt I was in excellent hands and chose the right lawyer. For the first time in a LONG time, I feel like I can breathe and know that I'm doing the right thing, without hesitation. Raymond gave me professional advice and counsel, I know now that I can move forward in a way that will release my major stress in my life, and I'll be able to start actually SAVING money, instead of being indebted by bills for the rest of my life! I highly recommend Raymond's skill, knowledge of the law and excellent customer service to anyone and everyone! read more

I had a situation in life that cause my home to almost go into foreclosure. I found Raymond Cho on the phone and from the first call I knew he was the attorney I wanted. I flew to Oahu to meet with him and was so impressed with his business mind, his ability to understand this horrible process and to explain it to me what I needed to do. I was scared, and he made it all seem like it would be okay. He never made a promise or guarantee to keep my home out of foreclosure but he did it. He was always polite, always willing to take the necessary time I needed to try and understand. I have referred may people who has suffered hardship to him and believe that they are also in the best hands. Thank you Ramond Cho so glad to have you as my lawyer. read more

Raymond and Van really came through for me in a time of need. After a rough economic hit where many of my customers essentially evaporated overnight, their own businesses closing as well, and I quickly found myself under water with my bills and business expenses. I was drowning, and so riddled with stress and anxiety over it that I really need someone to walk me through everything and get me to the other side of things. Affinity Law Group did that for me, and with professionalism, compassion and grace. They made everything easy and never once made me feel bad about my situation. It was actually quite relieving and empowering, in a way, and I quickly found myself back on solid financial footing again. Thank you, Affinity Law!!! read more

Unfortunately things occurred in my life that got me to this financial situation. Especially my bad divorce. The final straw was when one of my creditors were garnishing my check. Just couldn't do it anymore. That's when I decided to go online and start researching. I called a couple of places and shopped around. Raymond was simply the best. Most reasonably priced. From start to the end of my bankruptcy case, he was the only one assisting me. Did not have to deal with paralegals or legal assistants. He calm me down and answered all my question. I am so grateful for Raymond's assistance and needed to provide him a great review. Thank you so much. Finally able to breath again!!! Highly recommend!!! read more

Five stars to Raymond Cho! His extensive knowledge of foreclosure helped our family to keep our home despite unexpected roadblocks and multiple leans. Raymond Cho sat down and cared for us, answering all of our calls and keeping us informed and updated. Even though we wanted to change game-plans unexpectedly a whopping 3 times, Raymond was flexible in advising us to choose the best course of action while administering to our needs. My husband and I are in our 60's without much knowledge of foreclosures or leans and Raymond helped us to feel confident through it all. If I had the chance to go back and do it over, I would choose Raymond Cho as my lawyer again. God Bless you Raymond! read more

I was working with Raymond Cho he did all the paperwork everything went through really quickly no complications he's also really cheap and really affordable compared to other attorneys that try to rip you off good guy to communicate with if you're filing for bankruptcy I say he's the one to go with it doesn't hurt to call and talk to him over the phone if you have any other questions and keep in mind it's always good to have all your papers ready at the time of appointment to make the process go through faster thank you Raymond Chow for all your help I can't believe this got taken care of within two months I'm really happy with the outcome read more

I reached out online. He called me back within 45 minutes. Raymond Cho is very smart & knowledgeable, very personable, & most importantly - incredibly warm & caring & from the beginning he was interested in helping me with my problem - which he did. I am extremely grateful for his expertise & his kindness. He is an honorable person & an honorable attorney with great integrity & he is intent on getting great results for his clients. I cannot say enough about how much respect & honor he deserves. If you need legal help, call him, you will be happy you did. Very sincerely, VM read more

I just got off the phone with Raymond. Raymond Cho has helped my mother during times of need. He has graciously provided professionalism toward her bankruptcy. He has had conversations with her and guided her along the way when she needed it the most. Although times got harder and she had to do few changes, he continued to provide her with services as well, some was free. Raymond is a local attorney and understands the style and was always willing to work with circumstances. Raymond would be the right candidate to help you with these circumstances. Michelle K. read more

Raymond Cho was the answer to my prays. I was in so much debt and thought I couldn't get out of it. He deserves 5 or more stars,not just because of his knowledge and experience in his field,but from the beginning,he told me not to worry and always patiently explaining everything to me,making sure I understand the procedures involved, and because of that, everything went smoothly,especially making my payments in amounts I could afford.He's a wonderful attorney and I will always be grateful to him. Baseemah M. Honolulu,HI read more

I'm give Mr. Raymond Cho a five stars he is a awesome Attorney. Mr. Raymond Cho will always reassures his clients that he will always be there with his clients ever step we take. Mr. Raymond Cho will make you feel confident through it all.Plus he makes me feel so comfortable and he always took a load off my mine.So I would highly recommend Attorney Raymond Cho.Mr. Cho is the BEST OF THE BEST he is extensive knowledge & very professional.So I want to thank Mr. Cho for helping me out an always there for me thank you. read more

In my search for a bankruptcy attorney, I came across Affinity Law Group on yelp. In reading the reviews on Affinity, there was no doubt of who I wanted to represent me. Raymond Cho guided me through the process in my bankruptcy and let me tell you, I highly recommend Raymond as your attorney. Very professional and helpful. I am so glad that I was able to have Raymond help me through a very stressful time in my life. Lesson to be learn, never have more than one credit card and two loans. Thank you Raymond. read more

A very difficult time in life, I needed, a good attorney/law firm, that steps up, advises with precision, in a timely manner, presented all my options, what's happening now, in the future, & concerning the hearing for my case...handled with confidence and professional guidance by Raymond Cho, Esq. With all requested paperwork in order, counseling done, my case went smoothly, thanks to Raymond Cho Not a route I ever thought I'd have to take but made easy & stress free by Affinity Law Group, mahalo piha read more

I can't express my gratitude enough to Raymond. He is compassionate and a man of his words. He will be with you along the process and you can be assured that he will do everything as allowed within the scope of laws to your best benefits. I know that he put in a lot of times behind the scene to best your case. And as importantly, he is very reliable. That helps you tremendously not to add more anxiety to what you already endure. I thank God for connecting me to him in time of need. Thank you Raymond. read more

We met with several bankruptcy attorneys and decided to work with Raymond and Affinity Law Group because he was up front and didn't pressure us like other law offices. Raymond worked with us and helped make the difficult and embarrassing process of bankruptcy easier. We had some extra difficulties, and Raymond worked with us and the court to explain things and help our case go forward without hiccups. He is direct and professional and we definitely recommend him if you have to go through bankruptcy. read more