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!

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.  [...]

09 April 2014 ~ 0 Comments

Hernandez Law Group – Honesty, Integrity and Compassion

By Monica Spangler, Newark Office I grew up in a family of attorneys, judges and law enforcement officers who always conducted themselves with the highest standards, morals and ethics.  Over the years I have known and worked for attorneys who did not hold these qualities that I was so accustomed to and I have been very [...]

08 April 2014 ~ 0 Comments

Welcome Litchney Law Firm Clients!

We are very happy to announce that we have acquired the Bankruptcy law practice of Litchney Law, a Roseville law firm.  As a result of some serious negotiations, Hernandez Law will be assuming the responsibility of representing hundreds of their clients that have already filed Bankruptcy.  In addition, there is also a large number of [...]


03 April 2014 ~ 0 Comments


Distressed California Homeowners May Qualify for California’s Keep Your Home California Transition Assistance Program (TAP) If your financially distressed California clients can no longer afford their homes and are pursuing a short sale or a deed in lieu of foreclosure, they may be eligible for financial help with their relocation to alternative housing. The funds [...]

31 March 2014 ~ 0 Comments

Special Executive Team for SPS Loan Modifications

Hernandez Law Group is excited to announced that we have been approved to have a Special Executive team with SPS Mortgage Servicing to assist our clients in the speedy approval of their home loan modifications.  This team will work specifically on Hernandez Law clients, meeting with our attorneys and staff on a weekly basis to [...]

28 March 2014 ~ 0 Comments

Chase Bends Over Backwards To Help Client

By Monica Spangler, Newark Office Our client had lost her job and could not pay her mortgage of $6,886 per month on the $1,367,568 loan.  Chase gave her an incredible opportunity to keep her home by modifying her loan and deferring $600,285 in principal.   She is only paying on a principal balance of $767,283 and the [...]

17 March 2014 ~ 0 Comments

How Long Do I Have To Wait To Buy A House After Bankruptcy?

Bankruptcy attorneys and Case managers are frequently asked this question by Debtors just before the filing of a petition or even after the Discharge has been granted.  I am happy to be able to provide the answers to many of the questions related to Bankruptcy, Foreclosures and Short Sales.  I am indebted to Ms. Amanda [...]


17 March 2014 ~ 0 Comments

Emerging Issues in Bankruptcy 3-17-2014

  Special thanks to Kenneth R. Sanders for being a guest blogger to our site! Ken is a former bankruptcy trustee who now works as an independent bankruptcy consultant assisting bankruptcy law firms in the Northern California area. Ken regularly emails his attorney clients with updates about bankruptcy activity and has graciously permitted us to [...]


04 March 2014 ~ 0 Comments

Big Bankruptcy Victory in the Supreme Court

In a unanimous decision authored by Justice Scalia, the Supreme Court found that a bankruptcy court may not surcharge the homestead exemption as a result of the debtor’s misconduct.  Law v. Siegel (In re Law), No. 12-5196, 571 U.S. ___ (March 4, 2014). The bankruptcy court found that the debtor created a fictional loan “to [...]


26 February 2014 ~ 0 Comments

Wells Fargo Still Offering Principal Reductions

By Monica Spangler, Newark Office Despite the fact that the lenders involved with the National Mortgage Settlement have satisfied their agreement with the DOJ by cutting principal, Wells Fargo continues to forgive principal with their Making Home Affordable Modifications.  My client had an interest only payment of $2,201.39, including taxes and insurance, which was modified to [...]

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