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Kristine Caroline Kyllander

Bankruptcy and debt Attorney at Santa Ana, CA

4.0   8 reviews

also known as Kristine Kyllander, KC Wiborg

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About Kristine

Learn Kristine’s areas of practice.

I was born and raised in Orange County only about 15 minutes from my current office in Brea.


My passions outside of the office include playing golf, Charger's Football, reading and spending time with my family.

Licensed for 17 years
State CA
Status Active
Acquired 2005
Updated 11/30/2022

We have not found any instances of professional misconduct for this lawyer.

Contact Kristine

Kyllander Law, APC
970 W. 17th Street, Suite F
Santa Ana, CA, 92706


4.0 / 5.0
  8 customer reviews
5 Star
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1 Star
Posted by Angelina | July 16, 2013
Impressed Client
Kristine Kyllander is an extremely knowledgeable and detail oriented professional . I had an ongoing financial dispute with my ex father in law that I almost got bullied into paying. After consulting with Kristine about my rights she steered me in the right direction and a day later the lawsuit was dropped. I have to say she impressed me. I would highly recommend her to anyone dealing with a financial/loan/debt issue. She is passionate about her field, asks the right questions, and follows through with what she tells you. In reality she saved me $20,000 by knowing the law and helping me stand up to these bullys. I typically dont write reviews, but in this case I was compelled to.
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Posted by Peter | January 28, 2013
Go see Kristine
I have found working with Kristine to be extremely helpful. She is thorough and detail oriented and seems to love a challenge. I have some unusual financial issues due to an ex-wife and she has been very resourceful and creative when finding options for me to explore. She has significantly helped me protect my assets from improper debt and collection activities. I highly recommend talking with Kristine at Kyllander Law to see what she can do for you in any difficult situation.
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Posted by Karl | June 6, 2011
Fantastic Bankruptcy Lawyer!
Kristine is an excellent bankruptcy attorney! My wife and I first consulted with her around June of 2010. She was very courteous, very professional, and very UPFRONT about her fees, as well as fee schedule. She discussed all of our options as well as recommended a course of action based of the information we gave her.Our first consultation was free. We then proceeded to "shop around" for other BK attorneys in the OC area. After consulting with about 2 other attorneys, my wife and I chose Kristine with no hesitation. And I'm sure glad we did! Not only was she able to convince the Trustee to modify our plan for the first 24 months (to make it more affordable), but she actually came up with a better solution 8 months after our hearing to completely discharge all our debts after a financial hardship hit our family. If you are looking for legal advice and/or representation on bankruptcy issues, I recommend her highly. I advise everyone who is thinking of filing bankruptcy to do a couple of things: 1) Do a lot of research. 2) Be prepared! Be truthful! Ask a lot of questions, and 3) Hire a great attorney like Kristine!
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Posted by Robert | August 31, 2010
Thanks for the help
Very easy to make appointment and she was willing to cover all my questions in the initial "free" consultation Fees very reasonable and upfront. In my case she was able to negotiate a solution without the need to file bankruptcy which was great! Highly recommend!!!
Posted by anonymous | August 20, 2010
Great service, extremely helpful
After meeting with a couple of other attorneys I finally felt confident with Kristine. She throughly reviewed my case, made me aware of details I missed and was pleasant throughout our meeting. It was great to meet for the consultation so I could not only have her look at my situation I could make sure I felt comfortable with her. After the consultation I decided to use her services based on her knowledge, attention to detail and professional, positive attitude. I would recommend Kristine to anyone as I know how professional the experience would be. Thanks.
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Posted by Sharon | August 19, 2010
Fantastic Attorney!
I had met with three other bankruptcy attorneys before finding Kristine and what a breath of fresh air she turned out to be! Every other law firm had me meeting with support staff and sales people for most of the consultation and I was limited to just a few minutes with the actual attorney. At the consultation with Kristine, she spent over an hour with me going through my different options and discussing possibilities for getting rid of my second mortgage that none of the other offices even mentioned. She really took the time to listen to me and find out where my priorities are and she was honest enough not to sugar coat any of my problems without being condescending or judgmental about my mistakes. I did decide to hire her and am so glad that I did! At my 341 meeting, I saw the trustee admonish other attorneys and continue multiple cases because paperwork was missing or the attorney didn't do their job right. In my case, my meeting took less than 5 minutes and I was excused from having to appear again at the confirmation hearing because my Plan was prepared correctly. I would recommend Kristine Kyllander to anyone who is even thinking about filing bankruptcy!
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Posted by steve | October 15, 2011
other things on her mind
did not understand my needs was not helpful did not keep me informed, and i regrete using her as my lawyer
Response from Kristine Kyllander December 20, 2011
Unfortunately, Steve was two years behind on his mortgage payments when he came to see me about using bankruptcy to save his home from foreclosure. Although I was able to get a Chapter 13 Plan successfully confirmed for him, immediately following confirmation, he stopped making Plan payments and mortgage payments. About eleven months later his lender obtained relief from the bankruptcy stay and his case was dismissed. I understood that his goal was to keep his home, however, there is only so much I can do if he wasn't willing or able to make the payments. For the cost of my fees (equivalent to about one mortgage payment), he essentially got to live in the home rent free for an additional year because of the bankruptcy. I believe this was a service to him, even if he happens to disagree.
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Posted by Craig | June 22, 2010
Bad Attitude.. Don't care of clients
I spoke to her about my financial situation and she acts really nice the first time I met her but I know how these lawyers are and I was right when I tested her. At the second appt I did two tests on her just to see what kind of person she really was. First test before the end of my appt I told her I left my check book at home and that I would bring it later that day. Right after I said that you could see her face expression just change and she didn't even bother to get up to say bye when we left but she did during our initial meeting. Second test, I brought the check to her and told her that we might just go talk to the credit card companies to work it out because she said most likely we can not do Chapter 7 and WOW she flipped out and said I still have to pay her $500 for 1 hr of her time. So I said I don't know any lawyer that charges $500 for 1hr of there time and this is not even court time. Then she said she charges $195 an hour so I said thats fair I'll pay you $195 for the hr plus the credit check she did which was $50 so I offered her $300 which I thought was more then fair but she was going off the wall. Then I got pissed and said did I sign any paperwork that stated the $500 fee? And she said yes, so I asked her to bring that paperwork out and she never did. I mean she never even mention the $500 fee and we NEVER signed anything. I'm so glad I tested her because I didn't want this to happen when we really started the BK process. Very bad customer service. If she was nice I would still refer her my friends and family but the way she acted I would never refer her anybody. She's cold blooded. I mean people go to her because they're having financial trouble but she doesn't care. She still charges $500 which is a lot of money for people that's in financial stress.
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Response from Kristine Kyllander August 30, 2010
My office charges a non-refundable deposit of $500 at the second client meeting. By the end of this appointment an attorney (not a legal assistant or sales person) has spent over two hours with you and has incurred the costs of your credit counseling ($49) as well as for obtaining your credit report ($50). I ask clients to sign an initial consultation agreement at the FREE consultation where it clearly states that if the client wishes to use my services, they will be required to pay the non-refundable deposit of $500 at their next appointment. In this case, it is true that the reviewer did not sign this initial consultation agreement because he took advantage of my time not for himself but for a relative. Since he was not the actual filer, I did not have him sign any representation forms. The reviewer had no intention of filing bankruptcy himself. Where my mistake was made was agreeing to make a second appointment with him. This was a complete waste of over two hours of my time and I incurred expenses on top of it before I was told that he "forgot" to bring the deposit. Bottom line is that this reviewer stole from me. It is "clients" like him that make it difficult to continue to offer free consultations to the people who really are in need of my services. I have a fee policy that is not a secret, I post it on my website and on my forms and we talk about it in detail at the initial consultation. If you do not want to pay the fees I charge, then don't use me, I won't be offended in the least. I don't think this makes me cold blooded, it makes me honest and upfront and firm - exactly what you should want in a bankruptcy attorney.
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  • Free Consultation 60 minutes
Payment methods
Cash, Check


AVVO RATING 8.1 (Excellent)

Work Experience

  • Managing Attorney / CEO
  • Kyllander Law, APC
  • 2006 - Present
  • Associate Attorney
  • Pite Duncan & Melmet, LLP
  • 2005 - 2006
  • Bankruptcy Department Manager
  • HSBC Auto Finance
  • 2000 - 2005


  • University of San Diego School of Law
  • LL.M.
  • 2008
  • University of San Diego School of Law
  • JD - Juris Doctor
  • 2005
  • University of Southern California
  • MA - Masters
  • 2000
  • University of California - San Diego
  • BA - Bachelor of Arts Bachelor of Arts
  • 1997
View all education

Legal Cases

  • Debtor v. Creditor for Violations of Automatic Stay
  • Settlement of $4,700 obtained from Creditor.


  • Orange County Bar Association
  • 2009 - Present
  • National Association of Consumer Bankruptcy Attorneys
  • 2008 - Present
  • State Bar of California
  • 2005 - Present

Languages Spoken

  • English

Attorney endorsements

Received (7)
Given (0)
Endorse Kristine
Bankruptcy and debt Attorney | Mar 14
Relationship: Co-worker
"I am happy to endorse KC. I worked with her years ago at a well-known creditor law firm (before we both went to the debtor side), and I can tell you she is a very diligent and passionate lawyer and a good person. I really enjoyed working with her."
Chapter 7 bankruptcy Attorney | Aug 06
Relationship: Fellow lawyer in community
"I endorse this lawyer."
Unknown Attorney | Jul 17
Relationship: Fellow lawyer in community
"I endorse this lawyer. Highly respected in legal community. Responses are clear and complete. Fabulous credentials. Demonstrates a thorough understanding of BK law."
Unknown Attorney | Nov 30
Relationship: Other
"I am very impressed with Kristine Kyllander and her credentials. I endorse this attorney."
Chapter 7 bankruptcy Attorney | Mar 14
Relationship: Other
"I endorse this lawyer.Kristine's answers to posted bankruptcy questions are always on point. She has a wealth of BK knowledge and evidently displays it."
Bankruptcy and debt Attorney | Aug 20
Relationship: Worked for lawyer
"I've worked closely with this attorney during law school and on bankruptcy matters. She is extremely knowledgable and does her clients a huge service."
Estate planning Attorney | Jul 08
Relationship: Fellow lawyer in community
"Kristine is a compassionate attorney who cares for and helps her clients. I am happy to refer clients to her, as she will take good care of them. She is extremely knowledgeable in her field."
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Santa Ana Bankruptcy and debt Lawyer Kristine Caroline Kyllander
Kristine Caroline Kyllander
Bankruptcy and debt Attorney
Santa Ana, CA
Licensed for 17 years
Free Consultation