In 2004 Kristy founded the Law Office of Kristy Hernandez which now has offices in Sacramento and the Bay Area. Kristy began her legal career in real estate litigation. Early on, her... more
In 2004 Kristy founded the Law Office of Kristy Hernandez which now has offices in Sacramento and the Bay Area. Kristy began her legal career in real estate litigation. Early on, her practice focused on assisting real estate investors purchase homes at foreclosure auction, manage their real estate investments and evict non-paying tenants. Along the way, Kristy realized that she would rather use... view profile
If you owe a large amount of money on unsecured debts, you may require the services of a debt settlement lawyer. Unsecured debts include medical bills, student loans, credit cards, store and gas cards, personal loans, collection accounts, and bounced checks. For these sorts of debts, lenders will usually accept less than the full amount if it's clear you don't have the money to pay them (especially if the original amount has continued to grow with interest, late charges, and collection costs). A debt settlement attorney can negotiate with the lender and objectively present the facts in your case. Oftentimes, unsecured debt lenders would rather settle with you than take a chance on getting nothing if you file for bankruptcy. If the negotiation is successful, the creditor may even be convinced to take the settled debt off your credit history.