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!

06 February 2015 ~ 0 Comments

Will You Owe Taxes for Debts Discharged in Bankruptcy?

By: Kristy Hernandez Many clients come in to my office wanting to know whether they will have to pay taxes on the debt they are getting rid of in their bankruptcy case.  Lots of people are familiar with the idea that if they settle debt that they will receive a 1099 from the creditor at […]

27 October 2014 ~ 0 Comments

Settling Student Loan Debt

By Attorney Kristy Hernandez So you want to get out of your student loan debt?? Yep, me too. I graduated law school with over $100,000 in total student loan debt and have been plugging away at it ever since. Unfortunately, many people with student loan debt have researched wiping out their student loan debt in […]

15 October 2014 ~ 0 Comments

Collecting Funds from Lender After Foreclosure

Collecting Funds from Lender After Foreclosure

Today I just finalized the paperwork to have the bank return over $32,000 back to my client after a  foreclosure sale. Yes, you read that right — $32,000. Many homeowners make the decision to voluntarily let their property be sole in foreclosure. However, with the rise in the real estate market, many homeowners fail to […]

07 October 2014 ~ 0 Comments

Correcting Mortgage Servicing Errors

By Attorney Kristy Hernandez In the last few months, I have noticed a considerable up-tick in the number of mortgage servicing errors that clients are bringing to my attention.  These errors commonly occur when a client has completed their trial payment plan for loan modification, or has just finished a long term chapter 13 repayment […]

22 September 2014 ~ 0 Comments

Get out of debt without filing bankruptcy!

Although my office does handle a lot of bankruptcy cases, some people just don’t want a bankruptcy on their credit. Either they don’t qualify, they feel morally opposed to bankruptcy, or they don’t want to take such a big hit to their credit to get out of debt. For clients that are generally uncomfortable with […]

15 August 2014 ~ 0 Comments

Getting Out of Chapter 13 Bankruptcy Early

By Kristy Hernandez Many people file for chapter 13 bankruptcy relief because they are behind on their mortgage and need time to get caught up. What many clients do not realize is that when you make your monthly plan payments, the mortgage arrears often get paid first. Over the life of a 5 year chapter […]

04 August 2014 ~ 0 Comments

What is a purchase money mortgage?

By Kristy Hernandez A purchase money mortgage is the original loan that a client used to buy a house.  California Code of Civil Procedure § 580(b) provides that a lender on a purchase money mortgage can never sue to collect the balance owed if the borrower defaults on the purchase money mortgage; their only avenue of […]

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 […]

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