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!
By Monica Spangler, Newark Office Bad credit is the norm for many people these days, unfortunately. There are ways, however, to clean up your credit and raise your credit score. Have you checked your credit lately? Many people have incorrect information on their credit reports that is lowering their score. There are ways to get this [...]
By Kristy Hernandez In early May another on of our clients was offered a principal balance reduction on their first mortgage from Ocwen of over $100,000. This client lives in Elk Grove, California where the real estate market is improving steadily. It is important for homeowners struggling with high mortgage payments to know that, even [...]
By Monica Spangler, Newark Office Bank of America just approved a permanent Department of Justice modification for my client that not only lowered her interest rate but also forgave a significant amount of principal. Her payment dropped from around $1,600 a month to $1,123 which includes principal, interest, taxes and insurance. The interest rate went [...]
By Monica Spangler, Newark Office If you answered “yes” to this question you may be entitled to monetary compensation. In January 2013 an agreement was reached between 13 mortgage servicers and federal banking regulators that ended the Independent Foreclosure Review. What this means to you is that you may be getting a check in the mail. [...]
Congratulations to attorney Kelly Resnick from our bay area location. Kelly was recently voted Best Bankruptcy Attorney for Fremont, California. We are so proud of her!
by Kelly M. (Robinson) Resnick, Attorney, Bay Area Office One of the hot topics of 2013 is the U.S. Supreme Court’s anticipated determination of the constitutionality of the Defense of Marriage Act. The Defense of Marriage Act (“DOMA”) defines marriage in federal law as a union between opposite sex persons only. 1 USC Sec. 7. It prevents [...]
Ever tried calling a bankruptcy law firm and try to get them to quote you a fee over the phone? Not all law firms are created equal! At Hernandez Law Group every day we work with clients struggling with debt. We understand that people dealing with debt need straight answers about the cost of hiring [...]
By Monica Spangler, Newark Office If you lost your home to foreclosure between January 1, 2008 and December 31, 2011 you may be eligible for a cash settlement. The Department of Justice has reached an agreement with Ally/GMAC, Bank of America, Citi, JP Morgan/Chase and Wells Fargo to compensate distressed borrowers to the tune of [...]
Waqas and Cara: Here is a recommendation you can use from me: I am grateful to the Law office of Kristy Hernandez in Newark. Special thanks to Waqas and Cara. We used their services for debt settlement negotiation and for short sales. The debt settlement saved us an enormous amount of money, especially on the [...]
New changes in bankruptcy exemptions took affect April 1st. These changes increase the limits on the amount of assets that bankruptcy filers are allow to retain when filing a bankruptcy case. For people worried about having to give up cash or items of personal property, these increases will make bankruptcy more palatable. If you are [...]
Sacramento Bankruptcy Attorney 
