Kristy Anne Hernandez’s Guides

Kristy Anne Hernandez

Citrus Heights Chapter 7 Bankruptcy Attorney.

Contributor Level 12
  1. Hanging On To Real Estate the Has Negative Equity???

    Written by attorney Kristy Hernandez, about 3 years ago.

    Why do homeowners insist on hanging on to their homes when they are hundreds of thousands of dollars upside down in their equity? I have met with thousands of homeowners during my career. In the past two years most of the homeowners I have spoke to are desperately fighting to sav...

  2. Getting Equity Back In Your House -- Think Outside the Box

    Written by attorney Kristy Hernandez, about 3 years ago.

    Not too many years ago most homeowner's goal was to pay off their home at retirement. Now the priority has completely changed, many homeowners would like their home just at value. They have lost all their equity and/or down payment. They are devastated. Is Loan Modification an a...

  3. Short Sale Basics

    Written by attorney Kristy Hernandez, about 3 years ago.

    In a short sale, a property worth less than the outstanding mortgage is sold to another buyer with the approval of the lender. The proceeds of the sale are transferred to the lender, which then writes off all or a significant portion of the mortgage debt. Lenders often prefer sh...

  4. How to Identify If You're a Loan Modification Candidate

    Written by attorney Kristy Hernandez, about 3 years ago.

    Since individual circumstances vary, it is best to contact a professional or your lender to determine if you are qualified for a home loan modification. However, certain circumstances are helpful in qualifying homeowners for modification. They include: You must have some provabl...

  5. How You Can Afford a Bankruptcy Attorney When You're Broke!

    Written by attorney Kristy Hernandez, about 3 years ago.

    We hear this problem a lot, and it is an understandable question to pose if your wages are being garnished or your accounts are frozen. The quick answer is, you can't, that is if you're truly broke. BUT...most law firms offer payment plans clients. Bankruptcy is for people seeki...

  6. The Basics of Chapter 13 Bankruptcy

    Written by attorney Kristy Hernandez, about 3 years ago.

    A Chapter 13 bankruptcy is a catch- up plan with the bankruptcy court to help you get caught up on all past due payments for secured debts, and will get rid of all unsecured debts. Payment plans with the court last between 3 to 5 years, and the amount of payment is based on your ...

  7. How to Pick a Good Bankruptcy Attorney

    Written by attorney Kristy Hernandez, about 3 years ago.

    1) Ask how many cases they have successfully completed. It should be close to 100%! 2) Ask how many cases they take at a time to make sure you are getting individual attention. 3) Ask whether they will make a payment plan with you to help make the case affordable. 4) Check for c...

  8. The Advantages and Disadvantages of Filing Chapter 7 Bankruptcy

    Written by attorney Kristy Hernandez, about 3 years ago.

    Filing Chapter 7 may be an option which will relieve you of your debt and help you get the fresh start you need. There are several important advantages of filing Chapter 7 bankruptcy. In fact, Chapter 7 is the most common form of bankruptcy in the United States. An individual or ...

  9. What You Should Bring to Your First Appointment with a Bankruptcy Attorney

    Written by attorney Kristy Hernandez, about 3 years ago.

    The purpose of your first appointment is for your bankruptcy attorney to collect information about you and your financial situation. Here are the five most important things to prepare for your initial office consultation: Recent Pay Stubs: or Receipts showing money you received ...

  10. The Difference Between Chapter 7 and Chapter 13 Bankruptcy

    Written by attorney Kristy Hernandez, about 3 years ago.

    Filing Chapter 7 may be an option which will relieve you of your debt and help you get the fresh start you need. There are several important advantages of filing Chapter 7 bankruptcy. In fact, Chapter 7 is the most common form of bankruptcy in the United States. An individual or ...

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