Top best Deb Lawyers in Citrus Heights | 4 available

In 2004 Kristy founded the Law Office of Kristy Hernandez which now has offices in Sacramento and the Bay Area. Kristy began her legal career in real estate litigation. Early on, her practice focused on assisting real estate investors purchase homes at foreclosure auction, manage their real estate investments and evict non-paying tenants. Along the way, Kristy realized that she would rather use her real estate litigation background to help homeowners stay in their homes and get out debt, rather than assist investors in beefing up their bottom line. With this fundamental change in outlook, Kristy started taking on more bankruptcy and consumer rights cases, and the current law firm was created from that foundation.. Having a background in foreclosure and real estate litigation has proven incredibly timely since the decline in the real estate market where attorneys knowledgeable about the foreclosure process were in short supply but greatly needed. Kristy’s real estate background has enabled her to stay on the cutting edge of new law created to help the public get out of debt. Since 2004 Kristy has assisted hundreds of clients in debt relief cases and is a passionate advocate for consumer rights. Kristy has also helped countless families modify their home loans or wipe out second mortgages, helping hard-working people keep the dream of home ownership alive.

Douglas H. Kraft was born in Bremerton, Washington on August 13, 1952. He was admitted to the California State Bar in 1991. His education includes: B.B.A. degree in 1974, and M.B.A. degree in 1979, at Loyola University in Los Angeles, California; J.D. degree, with Great Distinction, in 1991, at McGeorge School of Law, University of the Pacific. While continuing to work in the banking industry and attending law school at night, he received numerous academic awards including Order of the Coif, American Jurisprudence Awards for Torts, Bankruptcy, Negotiable Instruments, and Personal Property Finance, and the Corpus Juris Secundum Award, awarded by the faculty for significant contributions to legal scholarship. He practices in the areas of creditors rights, commercial and real estate loan documentation, commercial litigation, bankruptcy, real estate and collections.. Doug was a member of the Insolvency Law Committee (2005-2008) and the Uniform Commercial Code Committee (2000-2003) of the Business Law Section of the California State Bar. In May of 2002, Doug was a speaker at the Annual Spring Meeting of the Business Law Section and the Intellectual Property Law Section of the State Bar as part of the panel presenting a program entitled "Enforcement of Rights Under the U.C.C. Revised Article 9." In May 2001, Doug was also a speaker on the panel presenting the Continuing Education of the Bar (CEB) continuing legal education program entitled "Taking and Enforcing Security Interests in Personal Property" (Revised Article 9). Doug also made a presentation to the Sacramento Chapter of the Risk Management Association (RMA) entitled "What Every Loan Officer Should Know About Revised Article 9.". Doug has also presented several programs dealing with real property financing and other loan documentation and enforcement issues. Doug has been a speaker on several CEB continuing education programs involving Real Property Financing, the latest being a program presented in January of 2012, entitled "The Impact of Bankruptcy on Real Property Transaction". Doug and Marty have presented a program for Lorman Education Services entitled "Commercial Real Estate Loan Documentation in California". Doug was a panelist at the Sacramento Valley Bankruptcy Forum Summer 2008 Program, dealing with real property foreclosure issues, and Summer 2010 Program, dealing with issues driving the lender’s decisions with problem loans. Doug also made a presentation to the Sacramento Valley Chapter of RMA entitled "Selected Leasing Issues in Real Estate Lending." In addition, Doug has made presentations to the Central Valley Chapter of RMA entitled "Tales From the Trenches: Oops! Thing We Should Have Thought of Before This Loan Became a Problem", and "Issues Facing Lenders in Agricultural Loan Documentation and Workouts" and "Don’t Let Your Borrower Get Away" dealing primarily with loan documentation and enforcement issues. Doug has also made presentations to Bankruptcy and Commercial Law Section of the Sacramento County Bar Association entitled "What’s Driving the Bank That’s Driving You Crazy" and "What’s Driving the Bank That’s Driving You Crazy: Part Deux." Doug is an AV Preeminent Rated attorney through Martindale Hubbell.