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 hom...
Practice areas & skills: Debt Settlement, Foreclosure, Real Estate, Chapter 7 Bankruptcy, Chapter 13 Bankruptcy
I have been practicing law since 2010 and have helped hundreds of clients get a second chance in life by eliminating their obligations to pay back their debts. The greatest joy my work brings me is seeing the sense of relief on a client's face aft...
Practice areas & skills: Debt Settlement, Chapter 7 Bankruptcy, Chapter 13 Bankruptcy, Bankruptcy & Debt
I only represent defense work. I am an associate of Cuneo, Black, Ward, and Missler. I have been practicing Workers’ Compensation law since 2005 and has recently earned the distinction of becoming a California State Bar Certified Workers’ Compens...
Practice areas & skills: Debt Settlement, Workers Compensation, Employment & Labor
Fraley & Fraley specializes in Bankruptcy, protecting individuals & small businesses from creditors
Practice areas & skills: Chapter 7 Bankruptcy, Chapter 13 Bankruptcy, Bankruptcy & Debt, Foreclosure, Consumer Protection
I'm an estate planning, bankruptcy and corporate attorney who enjoys solving his clients' problems.
Practice areas & skills: Bankruptcy & Debt, Estate Planning, Business
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.