Raymond C. Cho

Raymond C. Cho, partner at Affinity Law Group, is an accomplished attorney concentrating on bankruptcy, foreclosure defense, and business law. With fluency in Korean and deep ties to the Hawaii community, he offers clients a unique combination of legal expertise, cultural understanding, and practical problem-solving to address complex legal challenges.

Born in Seoul, Korea, Raymond moved to Hawaii as a child and graduated from St. Louis High School in Honolulu. He later attended George Washington University in Washington, D.C., earning his B.A., cum laude, in 2000 with a double major in Economics and International Affairs. His strong academic performance reflects the discipline and analytical skills that define his legal practice.

Returning to Hawaii, Raymond earned his J.D., with honors, from the University of Hawaii’s William S. Richardson School of Law in 2005. He began practicing law with a focus on financial and commercial matters, representing both individuals and businesses. His work in bankruptcy law includes guiding clients through Chapter 7 and Chapter 13 cases, while his foreclosure defense practice helps homeowners protect their rights and explore alternatives to losing their property. In business law, he advises companies on formation, contracts, compliance, and dispute resolution.

Raymond is admitted to practice before all Hawaii state courts, the United States District Court for the District of Hawaii, and the United States Bankruptcy Court for the District of Hawaii. As a member of the Hawaii State Bar Association, he remains active in the legal community and committed to upholding the highest standards of the profession.

Known for his meticulous preparation, clear communication, and dedication to client service, Raymond C. Cho continues to deliver effective advocacy and trusted counsel to clients throughout Hawaii. His local roots and international perspective position him to serve a diverse client base with professionalism and care.

Law Office Affiliations

• Partner, Affinity Law Group LLLC
• Member, Hawaii State Bar Association

Licensed State

• Hawaii

Education

• University of Hawaii, William S. Richardson School of Law
  Juris Doctor (JD)
• George Washington University
  BA in Economics & International Affairs with Cum Laude

Awards & Badges