Kristy Anne Hernandez

Bankruptcy and debt Attorney at Citrus Heights, CA

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Resume

Amazing

Real Estate Time Sharing Problem

My father, who is 83, had a problem with getting rid of a time-share that ended up becoming a money pit. We contacted Kristy Hernandez due to her great reviews on Avvo. She advised us during our the initial consultation, though she would be happy to be our attorney, we really did not need her services at this point since no legal action was being brought against us. However, Kristy was kind enough to walk my father through the process as to how time-shares work and what we can do currently to get that "time-share monkey" off my father's back. To top it off Kristy did not charge us for her valuable time spent discussing the matter with her. If the time comes where we truly need to hire an attorney, regarding any ongoing legal problems with this time-share, we will definitely hire Kristy to fight our cause. Thanks!

About Kristy

Learn Kristy’s areas of practice.

Practice areas

Bankruptcy and debt

75%
Chapter 7 bankruptcy

25%

Hundreds of families have gotten out of debt by filing a Chapter 7 Bankruptcy through our office. A free consultation will explain your qualifications and what debt can be wiped out. We also represent businesses that need bankruptcy. Ask how Chapter 7 can get rid of taxes and foreclosure debt! Use Chapter 7 to stop a foreclosure, wipe out credit card debt, stop a wage garnishment and much more!!
... Read more
19 years, 800 cases

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 her real estate litigation background to help homeowners
stay in their homes and get out debt, rather than assist investors in beefing up
their bottom line. With this fundamental change in outlook, Kristy started
taking on more bankruptcy and consumer rights cases, and the current law firm
was created from that foundation.

Having a background in foreclosure and real estate litigation has proven
incredibly timely since the decline in the real estate market where attorneys
knowledgeable about the foreclosure process were in short supply but greatly
needed. Kristy’s real estate background has enabled her to stay on the cutting
edge of new law created to help the public get out of debt. Since 2004 Kristy
has assisted hundreds of clients in debt relief cases and is a passionate
advocate for consumer rights. Kristy has also helped countless families modify
their home loans or wipe out second mortgages, helping hard-working people keep
the dream of home ownership alive.

Photos and videos

Licensed for 18 years

State CA

Status Active

Acquired 2004

Updated 12/01/2022

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

Contact Kristy

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5.0 / 5.0

12 customer reviews

5 Star

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1 Star

Posted by Jennifer Campbell | March 7, 2017

Amazing

Kristy is an amazing and caring person. She stopped the vultures from circling and calling me all day long. She worked with me on my payments I want to thank you so much Thank you kristy for helping me I appreciate it like you would not believe

Posted by Richard | December 29, 2015

Real Estate Time Sharing Problem

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Posted by anonymous | May 18, 2015

Trustworthy & Competent Attorney

I highly recommend Kristy and her staff. From the moment my wife and I walked into her office in Citrus Heights, we were greeted with a friendly smile which made an uncomfortable and hard situation more tolerable. Then we met with Kristy who we found to be very personable. She took the time to listen to our problem, needs and ultimate goal, and then provided clear options. After the appointment, we had follow-up questions and she quickly responded to our email. We felt so comfortable with her expertise that we ultimately chose her services after consulting with two other attorneys. The process went smoothly and our ch. 7 bankruptcy closed with no issues. We have learned valuable lessons and are relieved to have been afforded the opportunity to have a fresh start - all thanks to Kristy and her staff.

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Posted by nazo | August 14, 2012

Excellent and very professional service

Its has been a wonderful and comforting experience for us in letting kristy hernandez deal with our bankrupy issues. The Staff in scarmento office is very reponsive and pleasant and they kept us well informed about our case. Our problem was excellently and professionally handled by them and i endorse Kristy hernandez law Office for your legal need. I am completely satisfied and will recomend them to all . Nazish

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Posted by Anastasia and Eduard | March 11, 2012

FOUND OUT OUR SITUATION WAS NOT HOPELESS AND WE WERE GIVEN SEVERAL OPTIONS BY THIS LAW FIRM! THANK YOU!

We first contacted Law Office of Kristy Hernandez when we hit a wall with our condo that lost more than half of its value after we purchase it in 2005. I made an appointment with Cara Milgate the Case Manager to discuss our situation. Cara made me feel comfortable and welcome right away, she reassured me that our situation is not hopeless and offered several different options while educating me about the process. We decided to proceed with the short sale of our condo even though I had very little hope of it ever happening. We put the house on the market and Cara gave my case to her co-worker Monica Spangler and referred my short sale to an expert realtor at Intero Real Estate Services. Monica was so courteous, patient and helpful that it made the long process of short sale seem like a breeze. She kept us posted on every detail and finally after 10 months we completed the short sale with bank releasing us of all the dept. Intero Real Estate Services provided outstanding service. Our family has no words of how grateful we are for their help in such a time of frustration and need. We can’t wait for the day till we can use their help again when we can finally buy a good property that we can settle down in! Anastasia and Eduard

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Posted by MaryAndrews | October 30, 2011

Great Service, Good Prices!!

I can't say enough good things about this office! They answered all my question and I felt like they always had my best interests in mind. I always had an attorney for my in office appointments and at court -- they never tried to pawn me off on a paralegal. I feel like they really cared about me, and the case went perfect. I filed Chapter 7 bankruptcy and it was totally done in about 4 months.

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Posted by C. Cheryl | June 22, 2011

My Loan Modification Champions!

Cara Milgate and Victoria Ovieda are my loan modification angels. I could not be more pleased with the results. As a struggling business owner in a down economy, I was sure that getting my lender to agree to a loan modification would be virtually impossible. Not only did Cara and Victoria accomplish this task, but they did it in less than six weeks start to finish. I had anticipated a trial modification but got a permanent one based on their expertise and the relationship that they established with my bank and the underwriting staff. Their no nonsense approach, dedication and aggressive follow-up paid off and I'm very grateful. I confidently and wholeheartedly recommend the Law Office of Kristy Hernandez!

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Posted by Cheryl | June 22, 2011

I COULD NOT SING YOUR PRAISES MORE HIGLY!

Cara, Victoria, I could not sing your praises more highly! You two are my angels and I'm happy to give you a recommendation. I'm copying my sister who is a RE Investor, as such she may know of others who can benefit from your services. Cheryl

Posted by Caroline | March 23, 2011

My life can begin!

I was terrified to look into bankrtupcy. I spoke with more than one attorney and no one made me feel as comfortable as Kristy. She and her staff were pleasant and understanding. I feel like I can have a fresh start and move on with my life. This was the best decision I have ever made.

Posted by Rob | January 29, 2011

Saved me $800 per month!!!

I hired Kristy and her team in the bay area office to modify my home loan. I was nervous becasue I got scammed by a prior loan mod company, but they were so good. They only took fees on the mod after they got it permanent. My payment went from $2850 to $2050 per month and I coulldnt believe it. I got a phone call every week telling me about the status of my case. My wife and I recommend her office to everyone we know that needs a loan mod.

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Posted by Philip | May 19, 2010

Kristy is awesome

Kristy, spent much more time than I had expected. I can not stress enough what a great experience this was at a bad time in our lives. We had previously spoken to another lawyer and did not receive the insight into the process we needed.

Posted by Christina | August 19, 2009

Great attorney with good price!

I hired this lawyer off craigslist to do my chapter 7 bankruptcy. She was down to earth and friendly and returned all my calls fast. She also let me pay the fee in installments. I only had to pay half up front and the rest over time. I only went to court once and was really happy about how easy everyting was!

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Cost

Resume

AVVO RATING 8.8 (Excellent)

Work Experience

Managing Partner
Hernandez Law Group
2004 - Present

Education

McGeorge SOL Univ of the Pacific
Juris Doctorate
2003

Univ of California Davis
BS - Bachelor of Science
2000

Legal Cases

Loan Modifications
Reduction in monthly mortgage payments

Associations

Sacramento Valley Bankruptcy Forum
Planning Committee Member - Conference
2011 - Present

National Association of Consumer Bankruptcy Attorneys
Member
2010 - Present

Sacramento County Bankruptcy Forum
Member
2010 - Present

National Association of Professional Women
Member
2010 - Present

California Bankruptcy Forum
Member
2010 - Present

United States Bankruptcy Court, Northern District of California
Admitted
2009 - Present

Sacramento County Bar Association
Member
2004 - Present

State Bar of California
Member
2004 - Present

United States Bankruptcy Court, Eastern District of California
Admitted
2004 - Present

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Languages Spoken

English

Spanish

Honors and Awards

Client Distinction Award
Martindale-Hubbell
2013

Lead Counsel Rating Award
Lead Counsel
2012

Best Attorney
City of Citrus Heights
2012

Woman of the Year
National Association of Professional Women
2011

Certificate for Contribution to Legal Scholarship
McGeorge School of Law
2005

Top Oral Advocate
McGeorge School of Law
2003

Witkin Award
McGeorge School of Law
2003

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Publications

California Real Property Journal
Why MERS Litigation is Not Working in California
2014

Examiner.com
Sacramento Real Estate Investments Examiner
2012

Inside the Minds (Aspatore Books)
Representing Consumers in California Real Estate Transactions
2012

Online Blog regarding Foreclosure, Bankruptcy and Loan Modification
Hernandez Law Blog
2011

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Speaking Engagements

Rob Black On Your Money Television Show
Home Loan Modification
2013

Sacramento County Realtors Association
Bankruptcy and Short Sale
2012

Northern California Bankruptcy Conference
Bankruptcy and Loan Modification
2012

Monthly Realtor Training
Short Sale Success
2012

Leadership and Finance Summit
Business Debt and Finances
2012

Vizualize Success Seminar
Debt relief options
2011

KFBK AM1530 Radio, frequent guest
Real Estate and Foreclsoure Advice
2011

KDOW radio frequent guest
Bankruptcy and Short Sale Advice
2011

Foreclosure Prevention Workshop
Foreclosure Prevention
2011

Continung Legal Education for Attorneys
Foreclosure Defense
2011

Association for Continuing Legal Education
Foreclosure Defense
2011

Seminar
Identifying Good Candidates for Loan Modification
2010

Lorman Legal Education Seminar
Advanced Deposition Tactics
2008

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Attorney endorsements

Received (8)

Given (10)

Endorse Kristy

Elaine Dai

Real estate Attorney | Sep 05
Relationship: Fellow lawyer in community

"I endorse this lawyer."

Ginny Harjot Walia

Chapter 13 bankruptcy Attorney | Aug 17
Relationship: Fellow lawyer in community

"I endorse this lawyer."

Kaushik Ranchod

Unknown Attorney | Oct 01
Relationship: Fellow lawyer in community

"Kristy is a knowledgeable attorney that is dedicated to her clients. She is sincere an excellent communicator and professional. Kristy is committed to seeing that her clients are happy and receive excellent legal services."

Hasan Abdullah

Chapter 13 bankruptcy Attorney | Sep 16
Relationship: Fellow lawyer in community

"I endorse this lawyer. Kristy a focused and dedicated bankruptcy lawyer who takes her work very seriously as a professional."

Jared Day

Bankruptcy and debt Attorney | Sep 12
Relationship: Co-worker

"I endorse this lawyer. Kristy is well respected among her peers as the managing attorney of a successful law firm with locations in Northern and Central California and the Bay Area. She derives great enjoyment and satisfaction from assisting individuals and businesses in navigating the complex legal system to resolve complicated legal challenges. Kristy is well-versed in the fields of bankruptcy and debt-related issues, real estate, tax, estate planning, and family law. She also possesses a broad knowledge of many other areas of the law, which functions as a great asset to clients facing unique legal challenges. Kristy is dedicated and thoughtful in her approach to client services."

Shah Peerally

Chapter 7 bankruptcy Attorney | Aug 17
Relationship: Worked together on matter

"I endorse this lawyer. Kristy is a fabulous lawyer, I have recommended many clients to her law firm and they have not been disappointed with her work. I gladly recommend Kristy."

Jared Gaynor

Bankruptcy and debt Attorney | Dec 22
Relationship: Fellow lawyer in community

"I endorse this lawyer."

Kelly Resnick

Bankruptcy and debt Attorney | Mar 23
Relationship: Co-worker

"Kristy is a great mentor and attorney. She takes the time to listen to each client's unique situation and concerns, and puts them at ease with a strategy on how to fix their situation with the maximum benefit to the client. She takes great pride in her work and the work produced from both of her offices. She is very honest and straight forward with clients, which really helps put clients at ease during this difficult time in their lives."

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