Talk to the St Vincent de Paul society [1]. It's part of the Catholic Church, but they are there to serve everyone, regardless of religious beliefs, and won't pass judgement or bang on about their own religious beliefs. Helping people in Ray's situation is what they do every day, with material assistance, counseling or any other need. Even if Ray doesn't want direct assistance, he may get some useful advice by chatting to them. No need to walk into a church. Just walk into any of their shops and ask to talk to someone, or Ray can call them and they will discretely come to him.

[1] https://www.svdpusa.org/Assistance-Services