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Kristy Anne Hernandez

Bankruptcy and debt Attorney at Citrus Heights, CA

5.0   12 reviews
  • Licensed for 20 years
    State CA
    Acquired 2004
    Active No misconduct found

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

About Kristy

Learn Kristy’s areas of practice.

Practice areas
  1. Bankruptcy and debt

  2. Chapter 7 bankruptcy
    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!!

    20 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

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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
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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
This review is from a person who hired this attorney.
| Hired Attorney
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
This review is from a potential client who consulted with this attorney.
| Consulted Attorney
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!
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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
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
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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  • Free Consultation 60 minutes
  • Hourly Rates $ 200-250 per hour
Payment methods
Cash, Check, Credit Card


AVVO RATING 8.7 (Excellent)

Work Experience

  • Managing Partner
  • Hernandez Law Group
  • 2004 - Present


  • McGeorge SOL Univ of the Pacific
  • Juris Doctorate
  • 2003
  • Univ of California Davis
  • BS - Bachelor of Science
  • 2000

Sample of Legal Cases

  • Loan Modifications
  • Reduction in monthly mortgage payments


  • 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
View all associations

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
View all awards


  • California Real Property Journal
  • Why MERS Litigation is Not Working in California
  • 2014
  • Online Blog regarding Foreclosure, Bankruptcy and Loan Modification
  • Hernandez Law Blog
  • 2011
View all publications

Speaking Engagements

  • Sacramento County Realtors Association
  • Bankruptcy and Short Sale
  • 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
View all speaking engagements

Attorney endorsements

Received (8)
Given (10)
Endorse Kristy
Real estate Attorney | Sep 05
Relationship: Fellow lawyer in community
"I endorse this lawyer."
Chapter 13 bankruptcy Attorney | Aug 17
Relationship: Fellow lawyer in community
"I endorse this lawyer."
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."
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."
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."
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."
Bankruptcy and debt Attorney | Dec 22
Relationship: Fellow lawyer in community
"I endorse this lawyer."
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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Estate planning
Criminal defense
Bankruptcy and debt
Bankruptcy and debt
Bankruptcy and debt
Bankruptcy and debt