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Kristy Anne Hernandez

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About Kristy

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.

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Practice areas

Chapter 7 bankruptcyBankruptcy and debt
  1. Bankruptcy and debt: 75%

  2. 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!!

    17 years, 800 cases

Languages spoken

English, Spanish

Photos and videos

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Contact

Law Offices of Kristy Hernandez

7777 Greenback Lane
Suite 212
Citrus Heights, CA, 95610

    Law Offices of Kristy Hernandez

    37600 Central Court, Suite 201
    Newark, CA, 94560

    Resume

    License
    StateStatusAcquiredUpdated
    CAActive200405/11/2021
    We have not found any instances of professional misconduct for this lawyer.
    Avvo Contributions
    Legal answers115
    Legal guides18
    Awards
    Award nameGrantorDate granted
    Client Distinction AwardMartindale-Hubbell2013
    Lead Counsel Rating AwardLead Counsel2012
    Best AttorneyCity of Citrus Heights2012
    Woman of the YearNational Association of Professional Women2011
    Certificate for Contribution to Legal ScholarshipMcGeorge School of Law2005
    Top Oral AdvocateMcGeorge School of Law2003
    Witkin AwardMcGeorge School of Law2003
    Work Experience
    TitleCompany nameDuration
    Managing PartnerHernandez Law Group2004 - Present
    Associations
    Association namePosition nameDuration
    Sacramento Valley Bankruptcy ForumPlanning Committee Member - Conference2011 - Present
    National Association of Consumer Bankruptcy AttorneysMember2010 - Present
    Sacramento County Bankruptcy ForumMember2010 - Present
    National Association of Professional WomenMember2010 - Present
    California Bankruptcy ForumMember2010 - Present
    United States Bankruptcy Court, Northern District of CaliforniaAdmitted2009 - Present
    Sacramento County Bar AssociationMember2004 - Present
    State Bar of CaliforniaMember2004 - Present
    United States Bankruptcy Court, Eastern District of CaliforniaAdmitted2004 - Present
    Publications
    Publication nameTitleDate
    California Real Property JournalWhy MERS Litigation is Not Working in California2014
    Examiner.comSacramento Real Estate Investments Examiner2012
    Inside the Minds (Aspatore Books)Representing Consumers in California Real Estate Transactions2012
    Online Blog regarding Foreclosure, Bankruptcy and Loan ModificationHernandez Law Blog2011
    Education
    School nameDegreeGraduated
    McGeorge SOL Univ of the PacificJuris Doctorate2003
    Univ of California DavisBS - Bachelor of Science2000
    Speaking Engagements
    Conference nameTitleDate
    Rob Black On Your Money Television ShowHome Loan Modification2013
    Sacramento County Realtors AssociationBankruptcy and Short Sale2012
    Northern California Bankruptcy ConferenceBankruptcy and Loan Modification2012
    Monthly Realtor TrainingShort Sale Success2012
    Leadership and Finance SummitBusiness Debt and Finances2012
    Vizualize Success SeminarDebt relief options2011
    KFBK AM1530 Radio, frequent guestReal Estate and Foreclsoure Advice2011
    KDOW radio frequent guestBankruptcy and Short Sale Advice2011
    Foreclosure Prevention WorkshopForeclosure Prevention2011
    Continung Legal Education for AttorneysForeclosure Defense2011
    Association for Continuing Legal EducationForeclosure Defense2011
    SeminarIdentifying Good Candidates for Loan Modification2010
    Lorman Legal Education SeminarAdvanced Deposition Tactics2008
    Legal cases
    Case nameOutcome
    Loan ModificationsReduction in monthly mortgage payments

    Reviews

    (12)
    5 Star
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    4 Star
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    Review Kristy Hernandez

    Amazing

    Posted by

    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
    This review is from a person who hired this attorney.
    Hired attorney

    Real Estate Time Sharing Problem

    Posted by

    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!
    This review is from a potential client who consulted with this attorney.
    Consulted attorney

    Trustworthy & Competent Attorney

    Posted by

    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.

    Excellent and very professional service

    Posted by

    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

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

    Posted by

    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

    Great Service, Good Prices!!

    Posted by

    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.

    My Loan Modification Champions!

    Posted by

    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!

    I COULD NOT SING YOUR PRAISES MORE HIGLY!

    Posted by

    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

    My life can begin!

    Posted by

    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.

    Saved me $800 per month!!!

    Posted by

    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.
    See all reviews

    Attorney endorsements

    (8)
    Are you an attorney? Endorse this lawyer

    Elaine Dai, Real estate Attorney on Sep 5, 2017
    Relationship: Fellow lawyer in community

    I endorse this lawyer.

    Ginny Harjot Walia, Chapter 13 bankruptcy Attorney on Aug 17, 2013
    Relationship: Fellow lawyer in community

    I endorse this lawyer.

    Kaushik Ranchod

    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 on Sep 16, 2012
    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 on Sep 12, 2012
    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 on Aug 17, 2012
    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 on Dec 22, 2011
    Relationship: Fellow lawyer in community

    I endorse this lawyer.

    Kelly Resnick, Bankruptcy and debt Attorney on Mar 23, 2011
    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.

    Cost

    RATES
    • Hourly Rates$200-$250/hour
    • Free Consultation Some lawyers offer a free consultation to help determine whether their services are right for your legal needs
      60 minutes
    PAYMENT METHODS

    Cash, Check, Credit Card