Kristy is an amazing and caring person. She stopped the vultures from circling and calling me all day long. She worked with me on my payments I want to thank you so much Thank you kristy for helping me I appreciate it like you would not believe

My father, who is 83, had a problem with getting rid of a time-share that ended up becoming a money pit. We contacted Kristy Hernandez due to her great reviews on Avvo. She advised us during our the initial consultation, though she would be happy to be our attorney, we really did not need her services at this point since no legal action was being brought against us. However, Kristy was kind enough to walk my father through the process as to how time-shares work and what we can do currently to get that "time-share monkey" off my father's back. To top it off Kristy did not charge us for her valuable time spent discussing the matter with her. If the time comes where we truly need to hire an attorney, regarding any ongoing legal problems with this time-share, we will definitely hire Kristy to fight our cause. Thanks!

I highly recommend Kristy and her staff. From the moment my wife and I walked into her office in Citrus Heights, we were greeted with a friendly smile which made an uncomfortable and hard situation more tolerable. Then we met with Kristy who we found to be very personable. She took the time to listen to our problem, needs and ultimate goal, and then provided clear options. After the appointment, we had follow-up questions and she quickly responded to our email. We felt so comfortable with her expertise that we ultimately chose her services after consulting with two other attorneys. The process went smoothly and our ch. 7 bankruptcy closed with no issues. We have learned valuable lessons and are relieved to have been afforded the opportunity to have a fresh start - all thanks to Kristy and her staff.

Its has been a wonderful and comforting experience for us in letting kristy hernandez deal with our bankrupy issues. The Staff in scarmento office is very reponsive and pleasant and they kept us well informed about our case. Our problem was excellently and professionally handled by them and i endorse Kristy hernandez law Office for your legal need. I am completely satisfied and will recomend them to all . Nazish

We first contacted Law Office of Kristy Hernandez when we hit a wall with our condo that lost more than half of its value after we purchase it in 2005. I made an appointment with Cara Milgate the Case Manager to discuss our situation. Cara made me feel comfortable and welcome right away, she reassured me that our situation is not hopeless and offered several different options while educating me about the process. We decided to proceed with the short sale of our condo even though I had very little hope of it ever happening. We put the house on the market and Cara gave my case to her co-worker Monica Spangler and referred my short sale to an expert realtor at Intero Real Estate Services. Monica was so courteous, patient and helpful that it made the long process of short sale seem like a breeze. She kept us posted on every detail and finally after 10 months we completed the short sale with bank releasing us of all the dept. Intero Real Estate Services provided outstanding service. Our family has no words of how grateful we are for their help in such a time of frustration and need. We can’t wait for the day till we can use their help again when we can finally buy a good property that we can settle down in! Anastasia and Eduard

I can't say enough good things about this office! They answered all my question and I felt like they always had my best interests in mind. I always had an attorney for my in office appointments and at court -- they never tried to pawn me off on a paralegal. I feel like they really cared about me, and the case went perfect. I filed Chapter 7 bankruptcy and it was totally done in about 4 months.

Cara Milgate and Victoria Ovieda are my loan modification angels. I could not be more pleased with the results. As a struggling business owner in a down economy, I was sure that getting my lender to agree to a loan modification would be virtually impossible. Not only did Cara and Victoria accomplish this task, but they did it in less than six weeks start to finish. I had anticipated a trial modification but got a permanent one based on their expertise and the relationship that they established with my bank and the underwriting staff. Their no nonsense approach, dedication and aggressive follow-up paid off and I'm very grateful. I confidently and wholeheartedly recommend the Law Office of Kristy Hernandez!

Cara, Victoria, I could not sing your praises more highly! You two are my angels and I'm happy to give you a recommendation. I'm copying my sister who is a RE Investor, as such she may know of others who can benefit from your services. Cheryl

I was terrified to look into bankrtupcy. I spoke with more than one attorney and no one made me feel as comfortable as Kristy. She and her staff were pleasant and understanding. I feel like I can have a fresh start and move on with my life. This was the best decision I have ever made.

I hired Kristy and her team in the bay area office to modify my home loan. I was nervous becasue I got scammed by a prior loan mod company, but they were so good. They only took fees on the mod after they got it permanent. My payment went from $2850 to $2050 per month and I coulldnt believe it. I got a phone call every week telling me about the status of my case. My wife and I recommend her office to everyone we know that needs a loan mod.

Kristy is an amazing and caring person. She stopped the vultures from circling and calling me all day long. She worked with me on my payments I want to thank you so much Thank you kristy for helping me I appreciate it like you would not believe

My father, who is 83, had a problem with getting rid of a time-share that ended up becoming a money pit. We contacted Kristy Hernandez due to her great reviews on Avvo. She advised us during our the initial consultation, though she would be happy to be our attorney, we really did not need her services at this point since no legal action was being brought against us. However, Kristy was kind enough to walk my father through the process as to how time-shares work and what we can do currently to get that "time-share monkey" off my father's back. To top it off Kristy did not charge us for her valuable time spent discussing the matter with her. If the time comes where we truly need to hire an attorney, regarding any ongoing legal problems with this time-share, we will definitely hire Kristy to fight our cause. Thanks!

I highly recommend Kristy and her staff. From the moment my wife and I walked into her office in Citrus Heights, we were greeted with a friendly smile which made an uncomfortable and hard situation more tolerable. Then we met with Kristy who we found to be very personable. She took the time to listen to our problem, needs and ultimate goal, and then provided clear options. After the appointment, we had follow-up questions and she quickly responded to our email. We felt so comfortable with her expertise that we ultimately chose her services after consulting with two other attorneys. The process went smoothly and our ch. 7 bankruptcy closed with no issues. We have learned valuable lessons and are relieved to have been afforded the opportunity to have a fresh start - all thanks to Kristy and her staff.

Its has been a wonderful and comforting experience for us in letting kristy hernandez deal with our bankrupy issues. The Staff in scarmento office is very reponsive and pleasant and they kept us well informed about our case. Our problem was excellently and professionally handled by them and i endorse Kristy hernandez law Office for your legal need. I am completely satisfied and will recomend them to all . Nazish

We first contacted Law Office of Kristy Hernandez when we hit a wall with our condo that lost more than half of its value after we purchase it in 2005. I made an appointment with Cara Milgate the Case Manager to discuss our situation. Cara made me feel comfortable and welcome right away, she reassured me that our situation is not hopeless and offered several different options while educating me about the process. We decided to proceed with the short sale of our condo even though I had very little hope of it ever happening. We put the house on the market and Cara gave my case to her co-worker Monica Spangler and referred my short sale to an expert realtor at Intero Real Estate Services. Monica was so courteous, patient and helpful that it made the long process of short sale seem like a breeze. She kept us posted on every detail and finally after 10 months we completed the short sale with bank releasing us of all the dept. Intero Real Estate Services provided outstanding service. Our family has no words of how grateful we are for their help in such a time of frustration and need. We can’t wait for the day till we can use their help again when we can finally buy a good property that we can settle down in! Anastasia and Eduard

I can't say enough good things about this office! They answered all my question and I felt like they always had my best interests in mind. I always had an attorney for my in office appointments and at court -- they never tried to pawn me off on a paralegal. I feel like they really cared about me, and the case went perfect. I filed Chapter 7 bankruptcy and it was totally done in about 4 months.

Cara Milgate and Victoria Ovieda are my loan modification angels. I could not be more pleased with the results. As a struggling business owner in a down economy, I was sure that getting my lender to agree to a loan modification would be virtually impossible. Not only did Cara and Victoria accomplish this task, but they did it in less than six weeks start to finish. I had anticipated a trial modification but got a permanent one based on their expertise and the relationship that they established with my bank and the underwriting staff. Their no nonsense approach, dedication and aggressive follow-up paid off and I'm very grateful. I confidently and wholeheartedly recommend the Law Office of Kristy Hernandez!

Cara, Victoria, I could not sing your praises more highly! You two are my angels and I'm happy to give you a recommendation. I'm copying my sister who is a RE Investor, as such she may know of others who can benefit from your services. Cheryl

I was terrified to look into bankrtupcy. I spoke with more than one attorney and no one made me feel as comfortable as Kristy. She and her staff were pleasant and understanding. I feel like I can have a fresh start and move on with my life. This was the best decision I have ever made.

I hired Kristy and her team in the bay area office to modify my home loan. I was nervous becasue I got scammed by a prior loan mod company, but they were so good. They only took fees on the mod after they got it permanent. My payment went from $2850 to $2050 per month and I coulldnt believe it. I got a phone call every week telling me about the status of my case. My wife and I recommend her office to everyone we know that needs a loan mod.

Kristy is an amazing and caring person. She stopped the vultures from circling and calling me all day long. She worked with me on my payments I want to thank you so much Thank you kristy for helping me I appreciate it like you would not believe

My father, who is 83, had a problem with getting rid of a time-share that ended up becoming a money pit. We contacted Kristy Hernandez due to her great reviews on Avvo. She advised us during our the initial consultation, though she would be happy to be our attorney, we really did not need her services at this point since no legal action was being brought against us. However, Kristy was kind enough to walk my father through the process as to how time-shares work and what we can do currently to get that "time-share monkey" off my father's back. To top it off Kristy did not charge us for her valuable time spent discussing the matter with her. If the time comes where we truly need to hire an attorney, regarding any ongoing legal problems with this time-share, we will definitely hire Kristy to fight our cause. Thanks!

I highly recommend Kristy and her staff. From the moment my wife and I walked into her office in Citrus Heights, we were greeted with a friendly smile which made an uncomfortable and hard situation more tolerable. Then we met with Kristy who we found to be very personable. She took the time to listen to our problem, needs and ultimate goal, and then provided clear options. After the appointment, we had follow-up questions and she quickly responded to our email. We felt so comfortable with her expertise that we ultimately chose her services after consulting with two other attorneys. The process went smoothly and our ch. 7 bankruptcy closed with no issues. We have learned valuable lessons and are relieved to have been afforded the opportunity to have a fresh start - all thanks to Kristy and her staff.

Its has been a wonderful and comforting experience for us in letting kristy hernandez deal with our bankrupy issues. The Staff in scarmento office is very reponsive and pleasant and they kept us well informed about our case. Our problem was excellently and professionally handled by them and i endorse Kristy hernandez law Office for your legal need. I am completely satisfied and will recomend them to all . Nazish

We first contacted Law Office of Kristy Hernandez when we hit a wall with our condo that lost more than half of its value after we purchase it in 2005. I made an appointment with Cara Milgate the Case Manager to discuss our situation. Cara made me feel comfortable and welcome right away, she reassured me that our situation is not hopeless and offered several different options while educating me about the process. We decided to proceed with the short sale of our condo even though I had very little hope of it ever happening. We put the house on the market and Cara gave my case to her co-worker Monica Spangler and referred my short sale to an expert realtor at Intero Real Estate Services. Monica was so courteous, patient and helpful that it made the long process of short sale seem like a breeze. She kept us posted on every detail and finally after 10 months we completed the short sale with bank releasing us of all the dept. Intero Real Estate Services provided outstanding service. Our family has no words of how grateful we are for their help in such a time of frustration and need. We can’t wait for the day till we can use their help again when we can finally buy a good property that we can settle down in! Anastasia and Eduard

I can't say enough good things about this office! They answered all my question and I felt like they always had my best interests in mind. I always had an attorney for my in office appointments and at court -- they never tried to pawn me off on a paralegal. I feel like they really cared about me, and the case went perfect. I filed Chapter 7 bankruptcy and it was totally done in about 4 months.

Cara Milgate and Victoria Ovieda are my loan modification angels. I could not be more pleased with the results. As a struggling business owner in a down economy, I was sure that getting my lender to agree to a loan modification would be virtually impossible. Not only did Cara and Victoria accomplish this task, but they did it in less than six weeks start to finish. I had anticipated a trial modification but got a permanent one based on their expertise and the relationship that they established with my bank and the underwriting staff. Their no nonsense approach, dedication and aggressive follow-up paid off and I'm very grateful. I confidently and wholeheartedly recommend the Law Office of Kristy Hernandez!

Cara, Victoria, I could not sing your praises more highly! You two are my angels and I'm happy to give you a recommendation. I'm copying my sister who is a RE Investor, as such she may know of others who can benefit from your services. Cheryl

I was terrified to look into bankrtupcy. I spoke with more than one attorney and no one made me feel as comfortable as Kristy. She and her staff were pleasant and understanding. I feel like I can have a fresh start and move on with my life. This was the best decision I have ever made.

I hired Kristy and her team in the bay area office to modify my home loan. I was nervous becasue I got scammed by a prior loan mod company, but they were so good. They only took fees on the mod after they got it permanent. My payment went from $2850 to $2050 per month and I coulldnt believe it. I got a phone call every week telling me about the status of my case. My wife and I recommend her office to everyone we know that needs a loan mod.

Kristy is an amazing and caring person. She stopped the vultures from circling and calling me all day long. She worked with me on my payments I want to thank you so much Thank you kristy for helping me I appreciate it like you would not believe

My father, who is 83, had a problem with getting rid of a time-share that ended up becoming a money pit. We contacted Kristy Hernandez due to her great reviews on Avvo. She advised us during our the initial consultation, though she would be happy to be our attorney, we really did not need her services at this point since no legal action was being brought against us. However, Kristy was kind enough to walk my father through the process as to how time-shares work and what we can do currently to get that "time-share monkey" off my father's back. To top it off Kristy did not charge us for her valuable time spent discussing the matter with her. If the time comes where we truly need to hire an attorney, regarding any ongoing legal problems with this time-share, we will definitely hire Kristy to fight our cause. Thanks!

I highly recommend Kristy and her staff. From the moment my wife and I walked into her office in Citrus Heights, we were greeted with a friendly smile which made an uncomfortable and hard situation more tolerable. Then we met with Kristy who we found to be very personable. She took the time to listen to our problem, needs and ultimate goal, and then provided clear options. After the appointment, we had follow-up questions and she quickly responded to our email. We felt so comfortable with her expertise that we ultimately chose her services after consulting with two other attorneys. The process went smoothly and our ch. 7 bankruptcy closed with no issues. We have learned valuable lessons and are relieved to have been afforded the opportunity to have a fresh start - all thanks to Kristy and her staff.

Its has been a wonderful and comforting experience for us in letting kristy hernandez deal with our bankrupy issues. The Staff in scarmento office is very reponsive and pleasant and they kept us well informed about our case. Our problem was excellently and professionally handled by them and i endorse Kristy hernandez law Office for your legal need. I am completely satisfied and will recomend them to all . Nazish

We first contacted Law Office of Kristy Hernandez when we hit a wall with our condo that lost more than half of its value after we purchase it in 2005. I made an appointment with Cara Milgate the Case Manager to discuss our situation. Cara made me feel comfortable and welcome right away, she reassured me that our situation is not hopeless and offered several different options while educating me about the process. We decided to proceed with the short sale of our condo even though I had very little hope of it ever happening. We put the house on the market and Cara gave my case to her co-worker Monica Spangler and referred my short sale to an expert realtor at Intero Real Estate Services. Monica was so courteous, patient and helpful that it made the long process of short sale seem like a breeze. She kept us posted on every detail and finally after 10 months we completed the short sale with bank releasing us of all the dept. Intero Real Estate Services provided outstanding service. Our family has no words of how grateful we are for their help in such a time of frustration and need. We can’t wait for the day till we can use their help again when we can finally buy a good property that we can settle down in! Anastasia and Eduard

I can't say enough good things about this office! They answered all my question and I felt like they always had my best interests in mind. I always had an attorney for my in office appointments and at court -- they never tried to pawn me off on a paralegal. I feel like they really cared about me, and the case went perfect. I filed Chapter 7 bankruptcy and it was totally done in about 4 months.

Cara Milgate and Victoria Ovieda are my loan modification angels. I could not be more pleased with the results. As a struggling business owner in a down economy, I was sure that getting my lender to agree to a loan modification would be virtually impossible. Not only did Cara and Victoria accomplish this task, but they did it in less than six weeks start to finish. I had anticipated a trial modification but got a permanent one based on their expertise and the relationship that they established with my bank and the underwriting staff. Their no nonsense approach, dedication and aggressive follow-up paid off and I'm very grateful. I confidently and wholeheartedly recommend the Law Office of Kristy Hernandez!

Cara, Victoria, I could not sing your praises more highly! You two are my angels and I'm happy to give you a recommendation. I'm copying my sister who is a RE Investor, as such she may know of others who can benefit from your services. Cheryl

I was terrified to look into bankrtupcy. I spoke with more than one attorney and no one made me feel as comfortable as Kristy. She and her staff were pleasant and understanding. I feel like I can have a fresh start and move on with my life. This was the best decision I have ever made.

I hired Kristy and her team in the bay area office to modify my home loan. I was nervous becasue I got scammed by a prior loan mod company, but they were so good. They only took fees on the mod after they got it permanent. My payment went from $2850 to $2050 per month and I coulldnt believe it. I got a phone call every week telling me about the status of my case. My wife and I recommend her office to everyone we know that needs a loan mod.

Kristy is an amazing and caring person. She stopped the vultures from circling and calling me all day long. She worked with me on my payments I want to thank you so much Thank you kristy for helping me I appreciate it like you would not believe

My father, who is 83, had a problem with getting rid of a time-share that ended up becoming a money pit. We contacted Kristy Hernandez due to her great reviews on Avvo. She advised us during our the initial consultation, though she would be happy to be our attorney, we really did not need her services at this point since no legal action was being brought against us. However, Kristy was kind enough to walk my father through the process as to how time-shares work and what we can do currently to get that "time-share monkey" off my father's back. To top it off Kristy did not charge us for her valuable time spent discussing the matter with her. If the time comes where we truly need to hire an attorney, regarding any ongoing legal problems with this time-share, we will definitely hire Kristy to fight our cause. Thanks!

I highly recommend Kristy and her staff. From the moment my wife and I walked into her office in Citrus Heights, we were greeted with a friendly smile which made an uncomfortable and hard situation more tolerable. Then we met with Kristy who we found to be very personable. She took the time to listen to our problem, needs and ultimate goal, and then provided clear options. After the appointment, we had follow-up questions and she quickly responded to our email. We felt so comfortable with her expertise that we ultimately chose her services after consulting with two other attorneys. The process went smoothly and our ch. 7 bankruptcy closed with no issues. We have learned valuable lessons and are relieved to have been afforded the opportunity to have a fresh start - all thanks to Kristy and her staff.

Its has been a wonderful and comforting experience for us in letting kristy hernandez deal with our bankrupy issues. The Staff in scarmento office is very reponsive and pleasant and they kept us well informed about our case. Our problem was excellently and professionally handled by them and i endorse Kristy hernandez law Office for your legal need. I am completely satisfied and will recomend them to all . Nazish

We first contacted Law Office of Kristy Hernandez when we hit a wall with our condo that lost more than half of its value after we purchase it in 2005. I made an appointment with Cara Milgate the Case Manager to discuss our situation. Cara made me feel comfortable and welcome right away, she reassured me that our situation is not hopeless and offered several different options while educating me about the process. We decided to proceed with the short sale of our condo even though I had very little hope of it ever happening. We put the house on the market and Cara gave my case to her co-worker Monica Spangler and referred my short sale to an expert realtor at Intero Real Estate Services. Monica was so courteous, patient and helpful that it made the long process of short sale seem like a breeze. She kept us posted on every detail and finally after 10 months we completed the short sale with bank releasing us of all the dept. Intero Real Estate Services provided outstanding service. Our family has no words of how grateful we are for their help in such a time of frustration and need. We can’t wait for the day till we can use their help again when we can finally buy a good property that we can settle down in! Anastasia and Eduard

I can't say enough good things about this office! They answered all my question and I felt like they always had my best interests in mind. I always had an attorney for my in office appointments and at court -- they never tried to pawn me off on a paralegal. I feel like they really cared about me, and the case went perfect. I filed Chapter 7 bankruptcy and it was totally done in about 4 months.

Cara Milgate and Victoria Ovieda are my loan modification angels. I could not be more pleased with the results. As a struggling business owner in a down economy, I was sure that getting my lender to agree to a loan modification would be virtually impossible. Not only did Cara and Victoria accomplish this task, but they did it in less than six weeks start to finish. I had anticipated a trial modification but got a permanent one based on their expertise and the relationship that they established with my bank and the underwriting staff. Their no nonsense approach, dedication and aggressive follow-up paid off and I'm very grateful. I confidently and wholeheartedly recommend the Law Office of Kristy Hernandez!

Cara, Victoria, I could not sing your praises more highly! You two are my angels and I'm happy to give you a recommendation. I'm copying my sister who is a RE Investor, as such she may know of others who can benefit from your services. Cheryl

I was terrified to look into bankrtupcy. I spoke with more than one attorney and no one made me feel as comfortable as Kristy. She and her staff were pleasant and understanding. I feel like I can have a fresh start and move on with my life. This was the best decision I have ever made.

I hired Kristy and her team in the bay area office to modify my home loan. I was nervous becasue I got scammed by a prior loan mod company, but they were so good. They only took fees on the mod after they got it permanent. My payment went from $2850 to $2050 per month and I coulldnt believe it. I got a phone call every week telling me about the status of my case. My wife and I recommend her office to everyone we know that needs a loan mod.

Kristy is an amazing and caring person. She stopped the vultures from circling and calling me all day long. She worked with me on my payments I want to thank you so much Thank you kristy for helping me I appreciate it like you would not believe

My father, who is 83, had a problem with getting rid of a time-share that ended up becoming a money pit. We contacted Kristy Hernandez due to her great reviews on Avvo. She advised us during our the initial consultation, though she would be happy to be our attorney, we really did not need her services at this point since no legal action was being brought against us. However, Kristy was kind enough to walk my father through the process as to how time-shares work and what we can do currently to get that "time-share monkey" off my father's back. To top it off Kristy did not charge us for her valuable time spent discussing the matter with her. If the time comes where we truly need to hire an attorney, regarding any ongoing legal problems with this time-share, we will definitely hire Kristy to fight our cause. Thanks!

I highly recommend Kristy and her staff. From the moment my wife and I walked into her office in Citrus Heights, we were greeted with a friendly smile which made an uncomfortable and hard situation more tolerable. Then we met with Kristy who we found to be very personable. She took the time to listen to our problem, needs and ultimate goal, and then provided clear options. After the appointment, we had follow-up questions and she quickly responded to our email. We felt so comfortable with her expertise that we ultimately chose her services after consulting with two other attorneys. The process went smoothly and our ch. 7 bankruptcy closed with no issues. We have learned valuable lessons and are relieved to have been afforded the opportunity to have a fresh start - all thanks to Kristy and her staff.

Its has been a wonderful and comforting experience for us in letting kristy hernandez deal with our bankrupy issues. The Staff in scarmento office is very reponsive and pleasant and they kept us well informed about our case. Our problem was excellently and professionally handled by them and i endorse Kristy hernandez law Office for your legal need. I am completely satisfied and will recomend them to all . Nazish

We first contacted Law Office of Kristy Hernandez when we hit a wall with our condo that lost more than half of its value after we purchase it in 2005. I made an appointment with Cara Milgate the Case Manager to discuss our situation. Cara made me feel comfortable and welcome right away, she reassured me that our situation is not hopeless and offered several different options while educating me about the process. We decided to proceed with the short sale of our condo even though I had very little hope of it ever happening. We put the house on the market and Cara gave my case to her co-worker Monica Spangler and referred my short sale to an expert realtor at Intero Real Estate Services. Monica was so courteous, patient and helpful that it made the long process of short sale seem like a breeze. She kept us posted on every detail and finally after 10 months we completed the short sale with bank releasing us of all the dept. Intero Real Estate Services provided outstanding service. Our family has no words of how grateful we are for their help in such a time of frustration and need. We can’t wait for the day till we can use their help again when we can finally buy a good property that we can settle down in! Anastasia and Eduard

I can't say enough good things about this office! They answered all my question and I felt like they always had my best interests in mind. I always had an attorney for my in office appointments and at court -- they never tried to pawn me off on a paralegal. I feel like they really cared about me, and the case went perfect. I filed Chapter 7 bankruptcy and it was totally done in about 4 months.

Cara Milgate and Victoria Ovieda are my loan modification angels. I could not be more pleased with the results. As a struggling business owner in a down economy, I was sure that getting my lender to agree to a loan modification would be virtually impossible. Not only did Cara and Victoria accomplish this task, but they did it in less than six weeks start to finish. I had anticipated a trial modification but got a permanent one based on their expertise and the relationship that they established with my bank and the underwriting staff. Their no nonsense approach, dedication and aggressive follow-up paid off and I'm very grateful. I confidently and wholeheartedly recommend the Law Office of Kristy Hernandez!

Cara, Victoria, I could not sing your praises more highly! You two are my angels and I'm happy to give you a recommendation. I'm copying my sister who is a RE Investor, as such she may know of others who can benefit from your services. Cheryl

I was terrified to look into bankrtupcy. I spoke with more than one attorney and no one made me feel as comfortable as Kristy. She and her staff were pleasant and understanding. I feel like I can have a fresh start and move on with my life. This was the best decision I have ever made.

I hired Kristy and her team in the bay area office to modify my home loan. I was nervous becasue I got scammed by a prior loan mod company, but they were so good. They only took fees on the mod after they got it permanent. My payment went from $2850 to $2050 per month and I coulldnt believe it. I got a phone call every week telling me about the status of my case. My wife and I recommend her office to everyone we know that needs a loan mod.

Kristy is an amazing and caring person. She stopped the vultures from circling and calling me all day long. She worked with me on my payments I want to thank you so much Thank you kristy for helping me I appreciate it like you would not believe

My father, who is 83, had a problem with getting rid of a time-share that ended up becoming a money pit. We contacted Kristy Hernandez due to her great reviews on Avvo. She advised us during our the initial consultation, though she would be happy to be our attorney, we really did not need her services at this point since no legal action was being brought against us. However, Kristy was kind enough to walk my father through the process as to how time-shares work and what we can do currently to get that "time-share monkey" off my father's back. To top it off Kristy did not charge us for her valuable time spent discussing the matter with her. If the time comes where we truly need to hire an attorney, regarding any ongoing legal problems with this time-share, we will definitely hire Kristy to fight our cause. Thanks!

I highly recommend Kristy and her staff. From the moment my wife and I walked into her office in Citrus Heights, we were greeted with a friendly smile which made an uncomfortable and hard situation more tolerable. Then we met with Kristy who we found to be very personable. She took the time to listen to our problem, needs and ultimate goal, and then provided clear options. After the appointment, we had follow-up questions and she quickly responded to our email. We felt so comfortable with her expertise that we ultimately chose her services after consulting with two other attorneys. The process went smoothly and our ch. 7 bankruptcy closed with no issues. We have learned valuable lessons and are relieved to have been afforded the opportunity to have a fresh start - all thanks to Kristy and her staff.

Its has been a wonderful and comforting experience for us in letting kristy hernandez deal with our bankrupy issues. The Staff in scarmento office is very reponsive and pleasant and they kept us well informed about our case. Our problem was excellently and professionally handled by them and i endorse Kristy hernandez law Office for your legal need. I am completely satisfied and will recomend them to all . Nazish

We first contacted Law Office of Kristy Hernandez when we hit a wall with our condo that lost more than half of its value after we purchase it in 2005. I made an appointment with Cara Milgate the Case Manager to discuss our situation. Cara made me feel comfortable and welcome right away, she reassured me that our situation is not hopeless and offered several different options while educating me about the process. We decided to proceed with the short sale of our condo even though I had very little hope of it ever happening. We put the house on the market and Cara gave my case to her co-worker Monica Spangler and referred my short sale to an expert realtor at Intero Real Estate Services. Monica was so courteous, patient and helpful that it made the long process of short sale seem like a breeze. She kept us posted on every detail and finally after 10 months we completed the short sale with bank releasing us of all the dept. Intero Real Estate Services provided outstanding service. Our family has no words of how grateful we are for their help in such a time of frustration and need. We can’t wait for the day till we can use their help again when we can finally buy a good property that we can settle down in! Anastasia and Eduard

I can't say enough good things about this office! They answered all my question and I felt like they always had my best interests in mind. I always had an attorney for my in office appointments and at court -- they never tried to pawn me off on a paralegal. I feel like they really cared about me, and the case went perfect. I filed Chapter 7 bankruptcy and it was totally done in about 4 months.

Cara Milgate and Victoria Ovieda are my loan modification angels. I could not be more pleased with the results. As a struggling business owner in a down economy, I was sure that getting my lender to agree to a loan modification would be virtually impossible. Not only did Cara and Victoria accomplish this task, but they did it in less than six weeks start to finish. I had anticipated a trial modification but got a permanent one based on their expertise and the relationship that they established with my bank and the underwriting staff. Their no nonsense approach, dedication and aggressive follow-up paid off and I'm very grateful. I confidently and wholeheartedly recommend the Law Office of Kristy Hernandez!

Cara, Victoria, I could not sing your praises more highly! You two are my angels and I'm happy to give you a recommendation. I'm copying my sister who is a RE Investor, as such she may know of others who can benefit from your services. Cheryl

I was terrified to look into bankrtupcy. I spoke with more than one attorney and no one made me feel as comfortable as Kristy. She and her staff were pleasant and understanding. I feel like I can have a fresh start and move on with my life. This was the best decision I have ever made.

I hired Kristy and her team in the bay area office to modify my home loan. I was nervous becasue I got scammed by a prior loan mod company, but they were so good. They only took fees on the mod after they got it permanent. My payment went from $2850 to $2050 per month and I coulldnt believe it. I got a phone call every week telling me about the status of my case. My wife and I recommend her office to everyone we know that needs a loan mod.

Kristy is an amazing and caring person. She stopped the vultures from circling and calling me all day long. She worked with me on my payments I want to thank you so much Thank you kristy for helping me I appreciate it like you would not believe

My father, who is 83, had a problem with getting rid of a time-share that ended up becoming a money pit. We contacted Kristy Hernandez due to her great reviews on Avvo. She advised us during our the initial consultation, though she would be happy to be our attorney, we really did not need her services at this point since no legal action was being brought against us. However, Kristy was kind enough to walk my father through the process as to how time-shares work and what we can do currently to get that "time-share monkey" off my father's back. To top it off Kristy did not charge us for her valuable time spent discussing the matter with her. If the time comes where we truly need to hire an attorney, regarding any ongoing legal problems with this time-share, we will definitely hire Kristy to fight our cause. Thanks!

I highly recommend Kristy and her staff. From the moment my wife and I walked into her office in Citrus Heights, we were greeted with a friendly smile which made an uncomfortable and hard situation more tolerable. Then we met with Kristy who we found to be very personable. She took the time to listen to our problem, needs and ultimate goal, and then provided clear options. After the appointment, we had follow-up questions and she quickly responded to our email. We felt so comfortable with her expertise that we ultimately chose her services after consulting with two other attorneys. The process went smoothly and our ch. 7 bankruptcy closed with no issues. We have learned valuable lessons and are relieved to have been afforded the opportunity to have a fresh start - all thanks to Kristy and her staff.

Its has been a wonderful and comforting experience for us in letting kristy hernandez deal with our bankrupy issues. The Staff in scarmento office is very reponsive and pleasant and they kept us well informed about our case. Our problem was excellently and professionally handled by them and i endorse Kristy hernandez law Office for your legal need. I am completely satisfied and will recomend them to all . Nazish

We first contacted Law Office of Kristy Hernandez when we hit a wall with our condo that lost more than half of its value after we purchase it in 2005. I made an appointment with Cara Milgate the Case Manager to discuss our situation. Cara made me feel comfortable and welcome right away, she reassured me that our situation is not hopeless and offered several different options while educating me about the process. We decided to proceed with the short sale of our condo even though I had very little hope of it ever happening. We put the house on the market and Cara gave my case to her co-worker Monica Spangler and referred my short sale to an expert realtor at Intero Real Estate Services. Monica was so courteous, patient and helpful that it made the long process of short sale seem like a breeze. She kept us posted on every detail and finally after 10 months we completed the short sale with bank releasing us of all the dept. Intero Real Estate Services provided outstanding service. Our family has no words of how grateful we are for their help in such a time of frustration and need. We can’t wait for the day till we can use their help again when we can finally buy a good property that we can settle down in! Anastasia and Eduard

I can't say enough good things about this office! They answered all my question and I felt like they always had my best interests in mind. I always had an attorney for my in office appointments and at court -- they never tried to pawn me off on a paralegal. I feel like they really cared about me, and the case went perfect. I filed Chapter 7 bankruptcy and it was totally done in about 4 months.

Cara Milgate and Victoria Ovieda are my loan modification angels. I could not be more pleased with the results. As a struggling business owner in a down economy, I was sure that getting my lender to agree to a loan modification would be virtually impossible. Not only did Cara and Victoria accomplish this task, but they did it in less than six weeks start to finish. I had anticipated a trial modification but got a permanent one based on their expertise and the relationship that they established with my bank and the underwriting staff. Their no nonsense approach, dedication and aggressive follow-up paid off and I'm very grateful. I confidently and wholeheartedly recommend the Law Office of Kristy Hernandez!

Cara, Victoria, I could not sing your praises more highly! You two are my angels and I'm happy to give you a recommendation. I'm copying my sister who is a RE Investor, as such she may know of others who can benefit from your services. Cheryl

I was terrified to look into bankrtupcy. I spoke with more than one attorney and no one made me feel as comfortable as Kristy. She and her staff were pleasant and understanding. I feel like I can have a fresh start and move on with my life. This was the best decision I have ever made.

I hired Kristy and her team in the bay area office to modify my home loan. I was nervous becasue I got scammed by a prior loan mod company, but they were so good. They only took fees on the mod after they got it permanent. My payment went from $2850 to $2050 per month and I coulldnt believe it. I got a phone call every week telling me about the status of my case. My wife and I recommend her office to everyone we know that needs a loan mod.

Kristy is an amazing and caring person. She stopped the vultures from circling and calling me all day long. She worked with me on my payments I want to thank you so much Thank you kristy for helping me I appreciate it like you would not believe

My father, who is 83, had a problem with getting rid of a time-share that ended up becoming a money pit. We contacted Kristy Hernandez due to her great reviews on Avvo. She advised us during our the initial consultation, though she would be happy to be our attorney, we really did not need her services at this point since no legal action was being brought against us. However, Kristy was kind enough to walk my father through the process as to how time-shares work and what we can do currently to get that "time-share monkey" off my father's back. To top it off Kristy did not charge us for her valuable time spent discussing the matter with her. If the time comes where we truly need to hire an attorney, regarding any ongoing legal problems with this time-share, we will definitely hire Kristy to fight our cause. Thanks!

I highly recommend Kristy and her staff. From the moment my wife and I walked into her office in Citrus Heights, we were greeted with a friendly smile which made an uncomfortable and hard situation more tolerable. Then we met with Kristy who we found to be very personable. She took the time to listen to our problem, needs and ultimate goal, and then provided clear options. After the appointment, we had follow-up questions and she quickly responded to our email. We felt so comfortable with her expertise that we ultimately chose her services after consulting with two other attorneys. The process went smoothly and our ch. 7 bankruptcy closed with no issues. We have learned valuable lessons and are relieved to have been afforded the opportunity to have a fresh start - all thanks to Kristy and her staff.

Its has been a wonderful and comforting experience for us in letting kristy hernandez deal with our bankrupy issues. The Staff in scarmento office is very reponsive and pleasant and they kept us well informed about our case. Our problem was excellently and professionally handled by them and i endorse Kristy hernandez law Office for your legal need. I am completely satisfied and will recomend them to all . Nazish

We first contacted Law Office of Kristy Hernandez when we hit a wall with our condo that lost more than half of its value after we purchase it in 2005. I made an appointment with Cara Milgate the Case Manager to discuss our situation. Cara made me feel comfortable and welcome right away, she reassured me that our situation is not hopeless and offered several different options while educating me about the process. We decided to proceed with the short sale of our condo even though I had very little hope of it ever happening. We put the house on the market and Cara gave my case to her co-worker Monica Spangler and referred my short sale to an expert realtor at Intero Real Estate Services. Monica was so courteous, patient and helpful that it made the long process of short sale seem like a breeze. She kept us posted on every detail and finally after 10 months we completed the short sale with bank releasing us of all the dept. Intero Real Estate Services provided outstanding service. Our family has no words of how grateful we are for their help in such a time of frustration and need. We can’t wait for the day till we can use their help again when we can finally buy a good property that we can settle down in! Anastasia and Eduard

I can't say enough good things about this office! They answered all my question and I felt like they always had my best interests in mind. I always had an attorney for my in office appointments and at court -- they never tried to pawn me off on a paralegal. I feel like they really cared about me, and the case went perfect. I filed Chapter 7 bankruptcy and it was totally done in about 4 months.

Cara Milgate and Victoria Ovieda are my loan modification angels. I could not be more pleased with the results. As a struggling business owner in a down economy, I was sure that getting my lender to agree to a loan modification would be virtually impossible. Not only did Cara and Victoria accomplish this task, but they did it in less than six weeks start to finish. I had anticipated a trial modification but got a permanent one based on their expertise and the relationship that they established with my bank and the underwriting staff. Their no nonsense approach, dedication and aggressive follow-up paid off and I'm very grateful. I confidently and wholeheartedly recommend the Law Office of Kristy Hernandez!

Cara, Victoria, I could not sing your praises more highly! You two are my angels and I'm happy to give you a recommendation. I'm copying my sister who is a RE Investor, as such she may know of others who can benefit from your services. Cheryl

I was terrified to look into bankrtupcy. I spoke with more than one attorney and no one made me feel as comfortable as Kristy. She and her staff were pleasant and understanding. I feel like I can have a fresh start and move on with my life. This was the best decision I have ever made.

I hired Kristy and her team in the bay area office to modify my home loan. I was nervous becasue I got scammed by a prior loan mod company, but they were so good. They only took fees on the mod after they got it permanent. My payment went from $2850 to $2050 per month and I coulldnt believe it. I got a phone call every week telling me about the status of my case. My wife and I recommend her office to everyone we know that needs a loan mod.

Kristy is an amazing and caring person. She stopped the vultures from circling and calling me all day long. She worked with me on my payments I want to thank you so much Thank you kristy for helping me I appreciate it like you would not believe

My father, who is 83, had a problem with getting rid of a time-share that ended up becoming a money pit. We contacted Kristy Hernandez due to her great reviews on Avvo. She advised us during our the initial consultation, though she would be happy to be our attorney, we really did not need her services at this point since no legal action was being brought against us. However, Kristy was kind enough to walk my father through the process as to how time-shares work and what we can do currently to get that "time-share monkey" off my father's back. To top it off Kristy did not charge us for her valuable time spent discussing the matter with her. If the time comes where we truly need to hire an attorney, regarding any ongoing legal problems with this time-share, we will definitely hire Kristy to fight our cause. Thanks!

I highly recommend Kristy and her staff. From the moment my wife and I walked into her office in Citrus Heights, we were greeted with a friendly smile which made an uncomfortable and hard situation more tolerable. Then we met with Kristy who we found to be very personable. She took the time to listen to our problem, needs and ultimate goal, and then provided clear options. After the appointment, we had follow-up questions and she quickly responded to our email. We felt so comfortable with her expertise that we ultimately chose her services after consulting with two other attorneys. The process went smoothly and our ch. 7 bankruptcy closed with no issues. We have learned valuable lessons and are relieved to have been afforded the opportunity to have a fresh start - all thanks to Kristy and her staff.

Its has been a wonderful and comforting experience for us in letting kristy hernandez deal with our bankrupy issues. The Staff in scarmento office is very reponsive and pleasant and they kept us well informed about our case. Our problem was excellently and professionally handled by them and i endorse Kristy hernandez law Office for your legal need. I am completely satisfied and will recomend them to all . Nazish

We first contacted Law Office of Kristy Hernandez when we hit a wall with our condo that lost more than half of its value after we purchase it in 2005. I made an appointment with Cara Milgate the Case Manager to discuss our situation. Cara made me feel comfortable and welcome right away, she reassured me that our situation is not hopeless and offered several different options while educating me about the process. We decided to proceed with the short sale of our condo even though I had very little hope of it ever happening. We put the house on the market and Cara gave my case to her co-worker Monica Spangler and referred my short sale to an expert realtor at Intero Real Estate Services. Monica was so courteous, patient and helpful that it made the long process of short sale seem like a breeze. She kept us posted on every detail and finally after 10 months we completed the short sale with bank releasing us of all the dept. Intero Real Estate Services provided outstanding service. Our family has no words of how grateful we are for their help in such a time of frustration and need. We can’t wait for the day till we can use their help again when we can finally buy a good property that we can settle down in! Anastasia and Eduard

I can't say enough good things about this office! They answered all my question and I felt like they always had my best interests in mind. I always had an attorney for my in office appointments and at court -- they never tried to pawn me off on a paralegal. I feel like they really cared about me, and the case went perfect. I filed Chapter 7 bankruptcy and it was totally done in about 4 months.

Cara Milgate and Victoria Ovieda are my loan modification angels. I could not be more pleased with the results. As a struggling business owner in a down economy, I was sure that getting my lender to agree to a loan modification would be virtually impossible. Not only did Cara and Victoria accomplish this task, but they did it in less than six weeks start to finish. I had anticipated a trial modification but got a permanent one based on their expertise and the relationship that they established with my bank and the underwriting staff. Their no nonsense approach, dedication and aggressive follow-up paid off and I'm very grateful. I confidently and wholeheartedly recommend the Law Office of Kristy Hernandez!

Cara, Victoria, I could not sing your praises more highly! You two are my angels and I'm happy to give you a recommendation. I'm copying my sister who is a RE Investor, as such she may know of others who can benefit from your services. Cheryl

I was terrified to look into bankrtupcy. I spoke with more than one attorney and no one made me feel as comfortable as Kristy. She and her staff were pleasant and understanding. I feel like I can have a fresh start and move on with my life. This was the best decision I have ever made.

I hired Kristy and her team in the bay area office to modify my home loan. I was nervous becasue I got scammed by a prior loan mod company, but they were so good. They only took fees on the mod after they got it permanent. My payment went from $2850 to $2050 per month and I coulldnt believe it. I got a phone call every week telling me about the status of my case. My wife and I recommend her office to everyone we know that needs a loan mod.

Kristy is an amazing and caring person. She stopped the vultures from circling and calling me all day long. She worked with me on my payments I want to thank you so much Thank you kristy for helping me I appreciate it like you would not believe

My father, who is 83, had a problem with getting rid of a time-share that ended up becoming a money pit. We contacted Kristy Hernandez due to her great reviews on Avvo. She advised us during our the initial consultation, though she would be happy to be our attorney, we really did not need her services at this point since no legal action was being brought against us. However, Kristy was kind enough to walk my father through the process as to how time-shares work and what we can do currently to get that "time-share monkey" off my father's back. To top it off Kristy did not charge us for her valuable time spent discussing the matter with her. If the time comes where we truly need to hire an attorney, regarding any ongoing legal problems with this time-share, we will definitely hire Kristy to fight our cause. Thanks!

I highly recommend Kristy and her staff. From the moment my wife and I walked into her office in Citrus Heights, we were greeted with a friendly smile which made an uncomfortable and hard situation more tolerable. Then we met with Kristy who we found to be very personable. She took the time to listen to our problem, needs and ultimate goal, and then provided clear options. After the appointment, we had follow-up questions and she quickly responded to our email. We felt so comfortable with her expertise that we ultimately chose her services after consulting with two other attorneys. The process went smoothly and our ch. 7 bankruptcy closed with no issues. We have learned valuable lessons and are relieved to have been afforded the opportunity to have a fresh start - all thanks to Kristy and her staff.

Its has been a wonderful and comforting experience for us in letting kristy hernandez deal with our bankrupy issues. The Staff in scarmento office is very reponsive and pleasant and they kept us well informed about our case. Our problem was excellently and professionally handled by them and i endorse Kristy hernandez law Office for your legal need. I am completely satisfied and will recomend them to all . Nazish

We first contacted Law Office of Kristy Hernandez when we hit a wall with our condo that lost more than half of its value after we purchase it in 2005. I made an appointment with Cara Milgate the Case Manager to discuss our situation. Cara made me feel comfortable and welcome right away, she reassured me that our situation is not hopeless and offered several different options while educating me about the process. We decided to proceed with the short sale of our condo even though I had very little hope of it ever happening. We put the house on the market and Cara gave my case to her co-worker Monica Spangler and referred my short sale to an expert realtor at Intero Real Estate Services. Monica was so courteous, patient and helpful that it made the long process of short sale seem like a breeze. She kept us posted on every detail and finally after 10 months we completed the short sale with bank releasing us of all the dept. Intero Real Estate Services provided outstanding service. Our family has no words of how grateful we are for their help in such a time of frustration and need. We can’t wait for the day till we can use their help again when we can finally buy a good property that we can settle down in! Anastasia and Eduard

I can't say enough good things about this office! They answered all my question and I felt like they always had my best interests in mind. I always had an attorney for my in office appointments and at court -- they never tried to pawn me off on a paralegal. I feel like they really cared about me, and the case went perfect. I filed Chapter 7 bankruptcy and it was totally done in about 4 months.

Cara Milgate and Victoria Ovieda are my loan modification angels. I could not be more pleased with the results. As a struggling business owner in a down economy, I was sure that getting my lender to agree to a loan modification would be virtually impossible. Not only did Cara and Victoria accomplish this task, but they did it in less than six weeks start to finish. I had anticipated a trial modification but got a permanent one based on their expertise and the relationship that they established with my bank and the underwriting staff. Their no nonsense approach, dedication and aggressive follow-up paid off and I'm very grateful. I confidently and wholeheartedly recommend the Law Office of Kristy Hernandez!

Cara, Victoria, I could not sing your praises more highly! You two are my angels and I'm happy to give you a recommendation. I'm copying my sister who is a RE Investor, as such she may know of others who can benefit from your services. Cheryl

I was terrified to look into bankrtupcy. I spoke with more than one attorney and no one made me feel as comfortable as Kristy. She and her staff were pleasant and understanding. I feel like I can have a fresh start and move on with my life. This was the best decision I have ever made.

I hired Kristy and her team in the bay area office to modify my home loan. I was nervous becasue I got scammed by a prior loan mod company, but they were so good. They only took fees on the mod after they got it permanent. My payment went from $2850 to $2050 per month and I coulldnt believe it. I got a phone call every week telling me about the status of my case. My wife and I recommend her office to everyone we know that needs a loan mod.

Kristy is an amazing and caring person. She stopped the vultures from circling and calling me all day long. She worked with me on my payments I want to thank you so much Thank you kristy for helping me I appreciate it like you would not believe

My father, who is 83, had a problem with getting rid of a time-share that ended up becoming a money pit. We contacted Kristy Hernandez due to her great reviews on Avvo. She advised us during our the initial consultation, though she would be happy to be our attorney, we really did not need her services at this point since no legal action was being brought against us. However, Kristy was kind enough to walk my father through the process as to how time-shares work and what we can do currently to get that "time-share monkey" off my father's back. To top it off Kristy did not charge us for her valuable time spent discussing the matter with her. If the time comes where we truly need to hire an attorney, regarding any ongoing legal problems with this time-share, we will definitely hire Kristy to fight our cause. Thanks!

I highly recommend Kristy and her staff. From the moment my wife and I walked into her office in Citrus Heights, we were greeted with a friendly smile which made an uncomfortable and hard situation more tolerable. Then we met with Kristy who we found to be very personable. She took the time to listen to our problem, needs and ultimate goal, and then provided clear options. After the appointment, we had follow-up questions and she quickly responded to our email. We felt so comfortable with her expertise that we ultimately chose her services after consulting with two other attorneys. The process went smoothly and our ch. 7 bankruptcy closed with no issues. We have learned valuable lessons and are relieved to have been afforded the opportunity to have a fresh start - all thanks to Kristy and her staff.

Its has been a wonderful and comforting experience for us in letting kristy hernandez deal with our bankrupy issues. The Staff in scarmento office is very reponsive and pleasant and they kept us well informed about our case. Our problem was excellently and professionally handled by them and i endorse Kristy hernandez law Office for your legal need. I am completely satisfied and will recomend them to all . Nazish

We first contacted Law Office of Kristy Hernandez when we hit a wall with our condo that lost more than half of its value after we purchase it in 2005. I made an appointment with Cara Milgate the Case Manager to discuss our situation. Cara made me feel comfortable and welcome right away, she reassured me that our situation is not hopeless and offered several different options while educating me about the process. We decided to proceed with the short sale of our condo even though I had very little hope of it ever happening. We put the house on the market and Cara gave my case to her co-worker Monica Spangler and referred my short sale to an expert realtor at Intero Real Estate Services. Monica was so courteous, patient and helpful that it made the long process of short sale seem like a breeze. She kept us posted on every detail and finally after 10 months we completed the short sale with bank releasing us of all the dept. Intero Real Estate Services provided outstanding service. Our family has no words of how grateful we are for their help in such a time of frustration and need. We can’t wait for the day till we can use their help again when we can finally buy a good property that we can settle down in! Anastasia and Eduard

I can't say enough good things about this office! They answered all my question and I felt like they always had my best interests in mind. I always had an attorney for my in office appointments and at court -- they never tried to pawn me off on a paralegal. I feel like they really cared about me, and the case went perfect. I filed Chapter 7 bankruptcy and it was totally done in about 4 months.

Cara Milgate and Victoria Ovieda are my loan modification angels. I could not be more pleased with the results. As a struggling business owner in a down economy, I was sure that getting my lender to agree to a loan modification would be virtually impossible. Not only did Cara and Victoria accomplish this task, but they did it in less than six weeks start to finish. I had anticipated a trial modification but got a permanent one based on their expertise and the relationship that they established with my bank and the underwriting staff. Their no nonsense approach, dedication and aggressive follow-up paid off and I'm very grateful. I confidently and wholeheartedly recommend the Law Office of Kristy Hernandez!

Cara, Victoria, I could not sing your praises more highly! You two are my angels and I'm happy to give you a recommendation. I'm copying my sister who is a RE Investor, as such she may know of others who can benefit from your services. Cheryl

I was terrified to look into bankrtupcy. I spoke with more than one attorney and no one made me feel as comfortable as Kristy. She and her staff were pleasant and understanding. I feel like I can have a fresh start and move on with my life. This was the best decision I have ever made.

I hired Kristy and her team in the bay area office to modify my home loan. I was nervous becasue I got scammed by a prior loan mod company, but they were so good. They only took fees on the mod after they got it permanent. My payment went from $2850 to $2050 per month and I coulldnt believe it. I got a phone call every week telling me about the status of my case. My wife and I recommend her office to everyone we know that needs a loan mod.

Kristy is an amazing and caring person. She stopped the vultures from circling and calling me all day long. She worked with me on my payments I want to thank you so much Thank you kristy for helping me I appreciate it like you would not believe

My father, who is 83, had a problem with getting rid of a time-share that ended up becoming a money pit. We contacted Kristy Hernandez due to her great reviews on Avvo. She advised us during our the initial consultation, though she would be happy to be our attorney, we really did not need her services at this point since no legal action was being brought against us. However, Kristy was kind enough to walk my father through the process as to how time-shares work and what we can do currently to get that "time-share monkey" off my father's back. To top it off Kristy did not charge us for her valuable time spent discussing the matter with her. If the time comes where we truly need to hire an attorney, regarding any ongoing legal problems with this time-share, we will definitely hire Kristy to fight our cause. Thanks!

I highly recommend Kristy and her staff. From the moment my wife and I walked into her office in Citrus Heights, we were greeted with a friendly smile which made an uncomfortable and hard situation more tolerable. Then we met with Kristy who we found to be very personable. She took the time to listen to our problem, needs and ultimate goal, and then provided clear options. After the appointment, we had follow-up questions and she quickly responded to our email. We felt so comfortable with her expertise that we ultimately chose her services after consulting with two other attorneys. The process went smoothly and our ch. 7 bankruptcy closed with no issues. We have learned valuable lessons and are relieved to have been afforded the opportunity to have a fresh start - all thanks to Kristy and her staff.

Its has been a wonderful and comforting experience for us in letting kristy hernandez deal with our bankrupy issues. The Staff in scarmento office is very reponsive and pleasant and they kept us well informed about our case. Our problem was excellently and professionally handled by them and i endorse Kristy hernandez law Office for your legal need. I am completely satisfied and will recomend them to all . Nazish

We first contacted Law Office of Kristy Hernandez when we hit a wall with our condo that lost more than half of its value after we purchase it in 2005. I made an appointment with Cara Milgate the Case Manager to discuss our situation. Cara made me feel comfortable and welcome right away, she reassured me that our situation is not hopeless and offered several different options while educating me about the process. We decided to proceed with the short sale of our condo even though I had very little hope of it ever happening. We put the house on the market and Cara gave my case to her co-worker Monica Spangler and referred my short sale to an expert realtor at Intero Real Estate Services. Monica was so courteous, patient and helpful that it made the long process of short sale seem like a breeze. She kept us posted on every detail and finally after 10 months we completed the short sale with bank releasing us of all the dept. Intero Real Estate Services provided outstanding service. Our family has no words of how grateful we are for their help in such a time of frustration and need. We can’t wait for the day till we can use their help again when we can finally buy a good property that we can settle down in! Anastasia and Eduard

I can't say enough good things about this office! They answered all my question and I felt like they always had my best interests in mind. I always had an attorney for my in office appointments and at court -- they never tried to pawn me off on a paralegal. I feel like they really cared about me, and the case went perfect. I filed Chapter 7 bankruptcy and it was totally done in about 4 months.

Cara Milgate and Victoria Ovieda are my loan modification angels. I could not be more pleased with the results. As a struggling business owner in a down economy, I was sure that getting my lender to agree to a loan modification would be virtually impossible. Not only did Cara and Victoria accomplish this task, but they did it in less than six weeks start to finish. I had anticipated a trial modification but got a permanent one based on their expertise and the relationship that they established with my bank and the underwriting staff. Their no nonsense approach, dedication and aggressive follow-up paid off and I'm very grateful. I confidently and wholeheartedly recommend the Law Office of Kristy Hernandez!

Cara, Victoria, I could not sing your praises more highly! You two are my angels and I'm happy to give you a recommendation. I'm copying my sister who is a RE Investor, as such she may know of others who can benefit from your services. Cheryl

I was terrified to look into bankrtupcy. I spoke with more than one attorney and no one made me feel as comfortable as Kristy. She and her staff were pleasant and understanding. I feel like I can have a fresh start and move on with my life. This was the best decision I have ever made.

I hired Kristy and her team in the bay area office to modify my home loan. I was nervous becasue I got scammed by a prior loan mod company, but they were so good. They only took fees on the mod after they got it permanent. My payment went from $2850 to $2050 per month and I coulldnt believe it. I got a phone call every week telling me about the status of my case. My wife and I recommend her office to everyone we know that needs a loan mod.

Kristy is an amazing and caring person. She stopped the vultures from circling and calling me all day long. She worked with me on my payments I want to thank you so much Thank you kristy for helping me I appreciate it like you would not believe

My father, who is 83, had a problem with getting rid of a time-share that ended up becoming a money pit. We contacted Kristy Hernandez due to her great reviews on Avvo. She advised us during our the initial consultation, though she would be happy to be our attorney, we really did not need her services at this point since no legal action was being brought against us. However, Kristy was kind enough to walk my father through the process as to how time-shares work and what we can do currently to get that "time-share monkey" off my father's back. To top it off Kristy did not charge us for her valuable time spent discussing the matter with her. If the time comes where we truly need to hire an attorney, regarding any ongoing legal problems with this time-share, we will definitely hire Kristy to fight our cause. Thanks!

I highly recommend Kristy and her staff. From the moment my wife and I walked into her office in Citrus Heights, we were greeted with a friendly smile which made an uncomfortable and hard situation more tolerable. Then we met with Kristy who we found to be very personable. She took the time to listen to our problem, needs and ultimate goal, and then provided clear options. After the appointment, we had follow-up questions and she quickly responded to our email. We felt so comfortable with her expertise that we ultimately chose her services after consulting with two other attorneys. The process went smoothly and our ch. 7 bankruptcy closed with no issues. We have learned valuable lessons and are relieved to have been afforded the opportunity to have a fresh start - all thanks to Kristy and her staff.

Its has been a wonderful and comforting experience for us in letting kristy hernandez deal with our bankrupy issues. The Staff in scarmento office is very reponsive and pleasant and they kept us well informed about our case. Our problem was excellently and professionally handled by them and i endorse Kristy hernandez law Office for your legal need. I am completely satisfied and will recomend them to all . Nazish

We first contacted Law Office of Kristy Hernandez when we hit a wall with our condo that lost more than half of its value after we purchase it in 2005. I made an appointment with Cara Milgate the Case Manager to discuss our situation. Cara made me feel comfortable and welcome right away, she reassured me that our situation is not hopeless and offered several different options while educating me about the process. We decided to proceed with the short sale of our condo even though I had very little hope of it ever happening. We put the house on the market and Cara gave my case to her co-worker Monica Spangler and referred my short sale to an expert realtor at Intero Real Estate Services. Monica was so courteous, patient and helpful that it made the long process of short sale seem like a breeze. She kept us posted on every detail and finally after 10 months we completed the short sale with bank releasing us of all the dept. Intero Real Estate Services provided outstanding service. Our family has no words of how grateful we are for their help in such a time of frustration and need. We can’t wait for the day till we can use their help again when we can finally buy a good property that we can settle down in! Anastasia and Eduard

I can't say enough good things about this office! They answered all my question and I felt like they always had my best interests in mind. I always had an attorney for my in office appointments and at court -- they never tried to pawn me off on a paralegal. I feel like they really cared about me, and the case went perfect. I filed Chapter 7 bankruptcy and it was totally done in about 4 months.

Cara Milgate and Victoria Ovieda are my loan modification angels. I could not be more pleased with the results. As a struggling business owner in a down economy, I was sure that getting my lender to agree to a loan modification would be virtually impossible. Not only did Cara and Victoria accomplish this task, but they did it in less than six weeks start to finish. I had anticipated a trial modification but got a permanent one based on their expertise and the relationship that they established with my bank and the underwriting staff. Their no nonsense approach, dedication and aggressive follow-up paid off and I'm very grateful. I confidently and wholeheartedly recommend the Law Office of Kristy Hernandez!

Cara, Victoria, I could not sing your praises more highly! You two are my angels and I'm happy to give you a recommendation. I'm copying my sister who is a RE Investor, as such she may know of others who can benefit from your services. Cheryl

I was terrified to look into bankrtupcy. I spoke with more than one attorney and no one made me feel as comfortable as Kristy. She and her staff were pleasant and understanding. I feel like I can have a fresh start and move on with my life. This was the best decision I have ever made.

I hired Kristy and her team in the bay area office to modify my home loan. I was nervous becasue I got scammed by a prior loan mod company, but they were so good. They only took fees on the mod after they got it permanent. My payment went from $2850 to $2050 per month and I coulldnt believe it. I got a phone call every week telling me about the status of my case. My wife and I recommend her office to everyone we know that needs a loan mod.

Kristy is an amazing and caring person. She stopped the vultures from circling and calling me all day long. She worked with me on my payments I want to thank you so much Thank you kristy for helping me I appreciate it like you would not believe

My father, who is 83, had a problem with getting rid of a time-share that ended up becoming a money pit. We contacted Kristy Hernandez due to her great reviews on Avvo. She advised us during our the initial consultation, though she would be happy to be our attorney, we really did not need her services at this point since no legal action was being brought against us. However, Kristy was kind enough to walk my father through the process as to how time-shares work and what we can do currently to get that "time-share monkey" off my father's back. To top it off Kristy did not charge us for her valuable time spent discussing the matter with her. If the time comes where we truly need to hire an attorney, regarding any ongoing legal problems with this time-share, we will definitely hire Kristy to fight our cause. Thanks!

I highly recommend Kristy and her staff. From the moment my wife and I walked into her office in Citrus Heights, we were greeted with a friendly smile which made an uncomfortable and hard situation more tolerable. Then we met with Kristy who we found to be very personable. She took the time to listen to our problem, needs and ultimate goal, and then provided clear options. After the appointment, we had follow-up questions and she quickly responded to our email. We felt so comfortable with her expertise that we ultimately chose her services after consulting with two other attorneys. The process went smoothly and our ch. 7 bankruptcy closed with no issues. We have learned valuable lessons and are relieved to have been afforded the opportunity to have a fresh start - all thanks to Kristy and her staff.

Its has been a wonderful and comforting experience for us in letting kristy hernandez deal with our bankrupy issues. The Staff in scarmento office is very reponsive and pleasant and they kept us well informed about our case. Our problem was excellently and professionally handled by them and i endorse Kristy hernandez law Office for your legal need. I am completely satisfied and will recomend them to all . Nazish

We first contacted Law Office of Kristy Hernandez when we hit a wall with our condo that lost more than half of its value after we purchase it in 2005. I made an appointment with Cara Milgate the Case Manager to discuss our situation. Cara made me feel comfortable and welcome right away, she reassured me that our situation is not hopeless and offered several different options while educating me about the process. We decided to proceed with the short sale of our condo even though I had very little hope of it ever happening. We put the house on the market and Cara gave my case to her co-worker Monica Spangler and referred my short sale to an expert realtor at Intero Real Estate Services. Monica was so courteous, patient and helpful that it made the long process of short sale seem like a breeze. She kept us posted on every detail and finally after 10 months we completed the short sale with bank releasing us of all the dept. Intero Real Estate Services provided outstanding service. Our family has no words of how grateful we are for their help in such a time of frustration and need. We can’t wait for the day till we can use their help again when we can finally buy a good property that we can settle down in! Anastasia and Eduard

I can't say enough good things about this office! They answered all my question and I felt like they always had my best interests in mind. I always had an attorney for my in office appointments and at court -- they never tried to pawn me off on a paralegal. I feel like they really cared about me, and the case went perfect. I filed Chapter 7 bankruptcy and it was totally done in about 4 months.

Cara Milgate and Victoria Ovieda are my loan modification angels. I could not be more pleased with the results. As a struggling business owner in a down economy, I was sure that getting my lender to agree to a loan modification would be virtually impossible. Not only did Cara and Victoria accomplish this task, but they did it in less than six weeks start to finish. I had anticipated a trial modification but got a permanent one based on their expertise and the relationship that they established with my bank and the underwriting staff. Their no nonsense approach, dedication and aggressive follow-up paid off and I'm very grateful. I confidently and wholeheartedly recommend the Law Office of Kristy Hernandez!

Cara, Victoria, I could not sing your praises more highly! You two are my angels and I'm happy to give you a recommendation. I'm copying my sister who is a RE Investor, as such she may know of others who can benefit from your services. Cheryl

I was terrified to look into bankrtupcy. I spoke with more than one attorney and no one made me feel as comfortable as Kristy. She and her staff were pleasant and understanding. I feel like I can have a fresh start and move on with my life. This was the best decision I have ever made.

I hired Kristy and her team in the bay area office to modify my home loan. I was nervous becasue I got scammed by a prior loan mod company, but they were so good. They only took fees on the mod after they got it permanent. My payment went from $2850 to $2050 per month and I coulldnt believe it. I got a phone call every week telling me about the status of my case. My wife and I recommend her office to everyone we know that needs a loan mod.

Kristy is an amazing and caring person. She stopped the vultures from circling and calling me all day long. She worked with me on my payments I want to thank you so much Thank you kristy for helping me I appreciate it like you would not believe

My father, who is 83, had a problem with getting rid of a time-share that ended up becoming a money pit. We contacted Kristy Hernandez due to her great reviews on Avvo. She advised us during our the initial consultation, though she would be happy to be our attorney, we really did not need her services at this point since no legal action was being brought against us. However, Kristy was kind enough to walk my father through the process as to how time-shares work and what we can do currently to get that "time-share monkey" off my father's back. To top it off Kristy did not charge us for her valuable time spent discussing the matter with her. If the time comes where we truly need to hire an attorney, regarding any ongoing legal problems with this time-share, we will definitely hire Kristy to fight our cause. Thanks!

I highly recommend Kristy and her staff. From the moment my wife and I walked into her office in Citrus Heights, we were greeted with a friendly smile which made an uncomfortable and hard situation more tolerable. Then we met with Kristy who we found to be very personable. She took the time to listen to our problem, needs and ultimate goal, and then provided clear options. After the appointment, we had follow-up questions and she quickly responded to our email. We felt so comfortable with her expertise that we ultimately chose her services after consulting with two other attorneys. The process went smoothly and our ch. 7 bankruptcy closed with no issues. We have learned valuable lessons and are relieved to have been afforded the opportunity to have a fresh start - all thanks to Kristy and her staff.

Its has been a wonderful and comforting experience for us in letting kristy hernandez deal with our bankrupy issues. The Staff in scarmento office is very reponsive and pleasant and they kept us well informed about our case. Our problem was excellently and professionally handled by them and i endorse Kristy hernandez law Office for your legal need. I am completely satisfied and will recomend them to all . Nazish

We first contacted Law Office of Kristy Hernandez when we hit a wall with our condo that lost more than half of its value after we purchase it in 2005. I made an appointment with Cara Milgate the Case Manager to discuss our situation. Cara made me feel comfortable and welcome right away, she reassured me that our situation is not hopeless and offered several different options while educating me about the process. We decided to proceed with the short sale of our condo even though I had very little hope of it ever happening. We put the house on the market and Cara gave my case to her co-worker Monica Spangler and referred my short sale to an expert realtor at Intero Real Estate Services. Monica was so courteous, patient and helpful that it made the long process of short sale seem like a breeze. She kept us posted on every detail and finally after 10 months we completed the short sale with bank releasing us of all the dept. Intero Real Estate Services provided outstanding service. Our family has no words of how grateful we are for their help in such a time of frustration and need. We can’t wait for the day till we can use their help again when we can finally buy a good property that we can settle down in! Anastasia and Eduard

I can't say enough good things about this office! They answered all my question and I felt like they always had my best interests in mind. I always had an attorney for my in office appointments and at court -- they never tried to pawn me off on a paralegal. I feel like they really cared about me, and the case went perfect. I filed Chapter 7 bankruptcy and it was totally done in about 4 months.

Cara Milgate and Victoria Ovieda are my loan modification angels. I could not be more pleased with the results. As a struggling business owner in a down economy, I was sure that getting my lender to agree to a loan modification would be virtually impossible. Not only did Cara and Victoria accomplish this task, but they did it in less than six weeks start to finish. I had anticipated a trial modification but got a permanent one based on their expertise and the relationship that they established with my bank and the underwriting staff. Their no nonsense approach, dedication and aggressive follow-up paid off and I'm very grateful. I confidently and wholeheartedly recommend the Law Office of Kristy Hernandez!

Cara, Victoria, I could not sing your praises more highly! You two are my angels and I'm happy to give you a recommendation. I'm copying my sister who is a RE Investor, as such she may know of others who can benefit from your services. Cheryl

I was terrified to look into bankrtupcy. I spoke with more than one attorney and no one made me feel as comfortable as Kristy. She and her staff were pleasant and understanding. I feel like I can have a fresh start and move on with my life. This was the best decision I have ever made.

I hired Kristy and her team in the bay area office to modify my home loan. I was nervous becasue I got scammed by a prior loan mod company, but they were so good. They only took fees on the mod after they got it permanent. My payment went from $2850 to $2050 per month and I coulldnt believe it. I got a phone call every week telling me about the status of my case. My wife and I recommend her office to everyone we know that needs a loan mod.