Kristy Hernandez Office Phone Number

Client Testimonials

Our office provides experienced legal advice at affordable prices, but you don’t have to take our word for it. Here is what some of our past clients think:

Waqas and Cara

I am grateful to the Law office of Kristy Hernandez in Newark. Special thanks to Waqas and Cara. We used their services for debt settlement negotiation and for short sales. The debt settlement saved us an enormous amount of money, especially on the HELOC. We also got huge debt forgiveness on the short sales. Everything went smoothly. The prices were reasonable.

Regarding trust, here are some reasons I trust them. First we had great results at a reasonable price. Thank you! Second, the last time I checked they had an A+ rating with the Better Business Bureau. Third, there is this: The first go around, they suggested we go to a bankruptcy lawyer instead. That did not work, so a year later we tried the Kristy Hernandez law office again, and this time they were able to help us. That made me believe that they were honest–only taking our money if they can help us.   Eric Wilson

Hi Waqas

It was a very pleasant and happy news. Thank you very much for all the help in following-up with CitiMortgage.

Most of all, you were available on phone all the time, whenever i need some updates. Thanks again and appreciate all your time in supporting me to carry out the required procedures.
I am very happy to saved $81,791

Rajkumar Nagaraj

Good Evening Cara,

Sheila L Spangler from the Law Office of Kristy Hernandez is working on my case. After I saw her work I realized that I came to the right place and Sheila is the perfect person for my case. Whatever I say there will not be enough words to acknowledge because of the way she is handling my case. Sheila is a wonderful person and is doing a wonderful job.

Cara L Milgate is always there when we need her help. They are a perfect team and I am a very happy and a lucky person because they are working on my case. I am a Insurance Agent and I will recommend this Law Firm to all my clients. Thanks for working on my case. I really appreciate.  Satwinder Randhawa

It’s with heartfelt THANKS that I write this. Thank you for the very fast settlement with Bank of America. It wouldn’t have been possible without Waqas Bhat, the Legal Consultant. Kristy and her office staff were so very helpful and understanding throughout the process and behind my case 100%. All this for a very reasonable fees.

Thanks again.!  Radha Krishnan

The Law Offices of Kristy Hernandez and her team helped save our home. Monica Spangler worked with our family and assured us that we will not lose our home, and did just that. In a matter of months the great people in the office had our loan modification approved and lowered our monthly mortgage payment by hundreds of dollars to make it more affordable in this economy. Any time we had a question they answered it for us with all the information we needed. If you have any legal troubles or need loan modifications, my family and I highly recommend The Law Offices Of Kristy Hernandez and her brilliant Team Pardip Singh


After having tried to renegotiate my mortgage directly with my bank, contacting the government for help, putting my house on the market for a short sale and after six months failing… I was literally a day away from relisting our house again for a short sale when my frined who had gone through a very similiar experience encouraged me to call you. I was hesitant and skeptical, but Brian made me promise to just make the phone call, as his mortgage, that also by that time appeared hopeless was renegotiated splendidly while he sat in your office. I called and went in for a consultation. I felt embarrassed for being in my situation, and you made me feel comfortable again.

My bank was squirrelier than his, but very calmly and systematically you renegotiated my first and second loans. When the banks put up a fuss you gave it right back to them until we received the modifications we wanted. Having gone through a couple years of feeling very uncomfortable even discussing my mortgage situation I thought the experience with your law office would be more of the same. I was completely wrong. I felt comforted, respected, and sheilded from all of the back and forth with the banks, and in the end ended up with great modifications. I have recommended you to several people, and will continue to do so. Sincere gratitude, Karen


Hey Cara,Thank you so much for your assistance and encouragement over this time. I am more organized these days and not only are you helping me with my home, but also you have already helped me get my life more on track. I can’t tell you how helpful to many folks you are, I am sure. I will be in touch with Waqas within the next few days to introduce myself and will begin transmitting documents on Monday, as we had discussed.Thanks again and thank Kristy for me as well!    Most sincerely,Olen


I want to thank Victoria Ovieda and Cara Milgate for the extraordinary job they did on my loan modification. With their professional aggressiveness and hard work, they were able to modified my first loan and discharged CLOSED my second one. Victoria kept me informed on every step of the process, giving me advice, suggestions, and consultations to make the best decision on this matter. I will recommend the Law Office of Kristy Hernandez to friends and family.

Thank you very much for all your help and dedication!    Marlon

You guys have been such a pleasure to work with, I would (and have) recommended you to several people. It is so nice to get this behind me, so I can start over again.

Thanks  Bob

I will like to thanks Shawn and Cara for the fantastic job that they did with our loan modification, my husband and I we are greatly appreciative of the high level of professionalism . They kept us informed and they got the modification done quick. We highly recommend to our friends and family

Thanks again !!!!!   Elizabeth

My wife and I were trying to maneuver through the loan modification process for 18 months before calling the Law Office of Kristy Hernandez. We were assigned Monica Spangler a legal consultant with the firm. There is no doubt that facing foreclosure is very stressful, but Monica made the process comfortable with her positive attitude and diligent follow up. After 8 months our loan was modified. I could not have done it without them. The process was beyond professional and I would recommend them to anyone.

Thank you Sushil Patel

Thank you for all your help in getting us through this difficult time in our lives. Ralph was very helpful and willing to answer all our questions at any time. We also appreciate the calls from Kristy that helped ease our anxiety. All our questions were answered right away.

Thank you and your staff!   Larry C.

We had to do a modification we had attempted to go through another company and were faced with a foreclosure then I spoke to Cara Miligate and she set my mind at ease she took my file and with Victoria’s hard work were able to get my modification approved. I recommend this office highly they know what it takes to get a modification approve.

Thank you very very much. Carol T.

Even a handful of sunshine would not be enough to thank you! Edward A.

My experience with the Law Office of Kristy was a pleasant experience, even though filing “Bankruptcy” is a difficult time. Kristy and Cat told me the facts and they were there for me during this difficult time. I would HIGHLY RECOMMEND the Law Office of Kristy Hernandez to all of my friends and anyone who needs help. So please give them a call. You’ll be glad you did.


I remember being so scared and intimidated as well as ashamed to file bankruptcy. The Law Offices of Kristy Hernandez was always available for any questions or concerns we had. Fear of the unknown was relieved quickly with immediate answers and support. The angry phone calls stopped when Kristy took us on as clients. Not only did she help us breathe by getting our debt cleared, she also helped with a few tips to build back our credit. Thank you for all you honest, knowledge and experience.

Thank you for helping us breathe again. Desiree M.

First and foremost, I would like to thank the staff at the Law Office of Kristy Hernandez. They assisted me every way possible when I figured it was impossible for me to pay the debt I accrued. Cat and Kristy were there for me 100% of the way. I could not be happier with the results and outcome that I received. It was such a pleasure to have worked with both Kristy and Cat. Thank you so much for helping me get my life back on track and making this such an easy and comfortable experience. I would definitely recommend working with the Law Office of Kristy Hernandez. If you’re looking for someone who is personable and will always assist in the right direction, then look no further.

Sincerely, A Very Happy Client

We did a Bankruptcy through Law Offices of Kristy A Hernandez and have been completely satisfied. She made this almost painless. She was there to answer all our questions almost before they were asked. She kept us posted so nothing was a surprise. Her fees were reasonable and again no surprises. I recommend her highly.



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