Law Office of Kristy Hernandez

Sacramento Bankruptcy Attorney

The Law Office of Kristy Hernandez is a California law firm with locations in Sacramento and the Bay Area. Our firm focuses on helping families get out of debt by providing a wide range of legal services including: Bankruptcy, Loan Modification, Debt Negotiation and Settlement, Landlord/Tenant Services, and Uncontested Divorce.

Our California based Law firm prides itself on giving individual client attention, quality legal services and affordable prices to all clients. We believe that clients should feel welcome and comfortable every time they walk into the office. Our law firm also works hard to make sure that clients are involved in all aspects of their cases, and our support staff takes time to educate clients about their legal matter so that the clients are well informed about the progress of their case.

We believe that it is important to be on the cutting edge of both law and technology, and that is why we established this blog. All of the employees of the law firm have access to the blog and contribute to it on a regular basis. Please enjoy this site and get to know our team…and hopefully get some excellent information too!

24 July 2014 ~ 0 Comments

Ocwen Loan Servicing Still Offering Principal Reductions

By Monica Spangler, Newark Office Ocwen Loan Servicing is still offering substantial principal reductions through the government’s Home Affordable Modification Program.  Just recently our client got approved for a modification with a $132,995 principal reduction and a 2% interest rate.  It does not get much better than that!  Be sure to give us a call [...]

01 July 2014 ~ 0 Comments

Welcome Rinne Legal Clients!

Hernandez Law Group is delighted to announce that we have purchased the bankruptcy division of Rinne Legal in Walnut Creek. Attorney Michael Rinne and his dedicated staff have spent years building an outstanding bankruptcy practice in the Pleasant Hill and Walnut Creek areas. In this transition, Hernandez Law Group will be taking over representation of [...]

23 June 2014 ~ 0 Comments

Debt Consolidation Not Working

By Kristy Hernandez Many clients call me to discuss why their debt consolidation programs is not working. Either they are paying in to the debt consolidation on a monthly basis but they feel like the payments they make are not helping reduce the debt, or they have gotten sued by a creditor or collection agency [...]

30 May 2014 ~ 0 Comments

Wells Fargo Still Offering Principal Reduction

By Monica Spangler, Newark Office While it is getting more and more difficult to get a principal reduction on a loan modification due to rising values, it is still happening occasionally.  We just received a loan modification for a client in Vallejo, CA with a principal reduction of $88,476 which will bring the loan down [...]

12 May 2014 ~ 0 Comments

Bankruptcy Filing Fees Increase in June!

The U.S. Bankruptcy Court is planning on increasing its cost to file a Bankruptcy case effective June 1, 2014.  if you are thinking of filing for bankruptcy relief, you will save a little money if you file by the end of this month. The new filing fees are: Chapter 7 ($254 filing fee, $75 administrative [...]

12 May 2014 ~ 0 Comments

Getting a Second Loan Modification on the Same House

By Kristy Hernandez Lately I have been doing a lot of consultations for clients that previously received a home loan modification on their house, but are now struggling again to make the modified payments. These clients are asking if it is possible to get another loan modification when the bank previously modified the home in [...]

28 April 2014 ~ 0 Comments

Breaking News in Bankruptcy

The 9th Circuit Bankruptcy Appellate Panel just released a new decision, In re: Luedtke.  Mr. Richard Drummond, Chapter 13 Trustee out of Montana, appealed a Bankruptcy Court decision up to the 9th Circuit BAP, challenging the availability of the ‘Older Auto Boost’ in the Means Test.  The Older Auto Boost allows the Bankruptcy professional to add [...]

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25 April 2014 ~ 0 Comments

How To File Bankruptcy On Your Own

By Kristy Hernandez, Managing Attorney of Hernandez Law Group I speak to clients every day about bankruptcy, and one of the most common concerns that I hear potential clients talk about is how they will be able to afford a bankruptcy attorney when they are already struggling to deal with debt.  Obviously, as a bankruptcy [...]

23 April 2014 ~ 0 Comments

Seriously Delinquent Mortgages on the Rise

By Kristy Hernandez In the February 2014 National Foreclosure Report, I recently read that the stock of seriously delinquent homes is back to the same levels as the 4th Quarter 2008. This really mirrors what I am currently seeing in my offices as I meet with homeowners coming in to talk about having trouble paying [...]

14 April 2014 ~ 0 Comments

Emerging Issues in Bankruptcy 4-14-2014

 Bankruptcy Byte: “Beware of the Procrustean Bed” I’ve published this Bankruptcy Byte before, but some recent cases sent to me for review persuaded me that it needs repeating.  The myth of Procrustes, a son of the Greek god Poseidon, tells of a man who would invite passers-by to spend the night in his mountain cave.  [...]

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