Ray was born and raised in Camden, New Jersey. He attended Bishop Eustace College Preparatory School in Pennsauken, NJ before enrolling at Rutgers University in New Brunswick, NJ and then attending Temple University School of Law in Philadelphia, PA. While at Rutgers, Ray double majored in Political Science and Puerto Rican & Caribbean Hispanic Studies. He also minored in Urban Planning & Development and participated in the Seton Hall Summer Institute for Pre-Legal Studies as well as the Latino Pre-Law Society and the Paul Robeson Pre-Law Society. Ray speaks Spanish thanks to his parents and is always looking to improve his language skills.

In his career, Ray has been a member of several organizations including the Bankruptcy Inn of Courts. He began his legal career at Federman & Phelan, P.C. as a creditor’s rights attorney. Ray then represented debtors in consumer bankruptcy actions while working at the Law Offices of Lee M. Perlman. Since 2006, he has dedicated his career to protecting the interests of secured creditors in consumer bankruptcy actions while working for FSKS.

While at FSKS, in addition to Bankruptcy Court, Ray has appeared in District Court on appellate matters as well as New Jersey State Court for matters related to foreclosure, eviction, and collections. Ray also appears in local municipal courts for issues relating to code violations involving REO properties.

Ray is recently married. His interests include Philadelphia sports and most things pop culture related to movies, television, and books.  He says, however, these things are only used to spend more time with family and friends. He believes that family is and always should remain a priority.

• In re Chisholm, 2005 U.S. Dist. LEXIS 32266, 2005 WL 1522232
  This case laid part of the groundwork for In re Connors, 497 F.3d 314, 2007 U.S. App. LEXIS 18452, Bankr. L. Rep. (CCH) P80,985, 58 Collier Bankr. Cas. 2d (MB) 569.  Connors was a major decision which heavily cited Chisholm and settled the issue of whether a foreclosure sale was valid at the time the gavel falls at a Sheriff’s Sale or when the deed was delivered.
• In re DePaolis, Case No. 08-18721-MBK
  After the filing of a Motion for Relief from Stay and a challenge by the Trustee regarding the enforceability of the Note & Mortgage despite the Note not being signed by the Debtor.  R.A. Lebron successfully argued this on behalf of the Secured Creditor.  The Court issued a letter opinion stating that Secured Creditor has a valid and enforceable mortgage against Debtor.
• In re Cook, 449 B.R. 664, 2011 U.S. Dist. LEXIS 60837, Bankr. L. Rep. (CCH) P82,013
  Under Cook, a Chapter 7 Debtor moved to void a second mortgage on the basis that the senior lien exceeded the appraised value of the collateral property.  R.A. Lebron successfully argued the Debtor could not do this because the U.S. Supreme Court interpreted 11 U.S.C. § 506(d) to mean that a lien is void only if it secures a claim that is not allowed under § 502.  Therefore, the Secured Creditor’s lien remained fully intact.

• Ray was listed in 2005 in South Jersey magazine as one of South Jersey’s Best Bankruptcy Attorneys
• Bankruptcy Inn of Court (New Jersey), Barrister