About Ray
Ray spent seven years doing consumer-complaint intake for a state AG’s office before moving to editorial work. The move was gradual: he started writing plain-English explainers for complainants who did not understand what had happened to them, realized the same explainers did not exist online, and eventually decided to write them for everyone.
His editorial instinct is protective. If you have ever read a piece on this site that opens with “here is the specific sentence in the contract you need to find” - that is Ray’s house style.
Approach
Every traps-and-scams piece Ray writes includes three things: a checklist a reader can apply in under two minutes, at least one screenshot or document excerpt showing the pattern in the wild, and a clear statement of what to do next (file a complaint, request a refund, dispute a charge, contact a counselor). He does not publish a warning without an action.
He also keeps a running file of fake loan apps pulled from both stores - the names rotate weekly, so the fingerprints are what matter.
What Ray does not cover
Product reviews of legitimate apps and general personal-finance education live elsewhere on the team. Ray’s beat is specifically the harm-shaped edge of the space.
Articles by Ray
Ray’s traps-and-scams guides will appear here as they publish. Browse the full Money IQ library.