Law Office of Kristy Hernandez in California


Country United States
State California
City Citrus Heights
Address 7777 Greenback Ln, Ste. 212 Citrus Heights, CA 95610
Phone 916-728-1500
Website www khlawoffices com

Law Office of Kristy Hernandez in California Reviews

Most Useful Comment
  • Jan 6, 2016

Re: loan modification scam

For over three years now, staff attorney kristy hernandez of the law offices of kristy hernandez Www khlawoffices com) and their cover website Http://www.Savingcaliforniahomes.com/) have masqueraded to home owners facing foreclosure as being an entity of the home affordable modification program Hamp) and consumer advocate, convincing home owners to pay her law firm as the first step in getting their mortgage modified under hamp.

As a licensed attorney in the state of california, kristy hernandez operates offices at the following locations:

• 37600 central ct., suite 201

Newark, ca 94560

• citrus heights

7777 greenback ln, ste. 212

Citrus heights, ca 95610

• tracy

672 west 11th street

Tracy, ca 95376

Staff by the following individuals, some with questionable backgrounds to include one with a lengthy criminal conviction for fraud, forgery identity thief, and child molestation.

• shawn l. Spangler loan modification processor/ shawn l. Spangler, a legal real estate consultant

• shelia spangler loan modification supervisor

• monica spangler loan modification processer

• cara l. Milgate, a case manager

• victoria ovieda, a legal real estate consultant

• christina “cat” hernandez paralegal for kristy hernandez sacramento office

Kristy hernandez and her dishonest crew preyed on families and individuals that were already facing tremendous financial strain. Hernandez induced homeowners facing foreclosure to pay an illegal advance fee to one of her entities, including legal services, to save their homes from foreclosure.

To obtain the homeowner’s money kristy hernandez instructed her employees to make material omissions and false promises and statements, including:

• falsely promising homeowners/consumers’ mortgage loan modifications that would substantially reduce their mortgage payments or interest rates or help consumers avoid foreclosure.

• falsely claiming her services were subject to a money back guarantee.

In executing the scheme, kristy hernandez provided false statements to distressed homeowners, claiming that, that her companies were working directly with the department of treasury, that her company saving california homes Http://www.Savingcaliforniahomes.com/) was authorized by department of treasury and the hamp program to operate on their behalf, and that homeowners needed to open a “mortgage fraud investigation” against their servicer as a required first-step in applying for the tarp home affordable modification program Hamp).

From at least january 2012 to present, through several telemarketing firm kristy hernandez purchased thousands of “leads,” consisting of the name, address, and other contact information of homeowners who had fallen behind in making mortgage payments on their homes, then perpetrated a scheme to defraud homeowners in dire financial straits who were seeking relief through hamp and other mortgage relief programs. Through a series of false and fraudulent representations, kristy hernandez and her staff duped thousands of homeowners into paying thousands of dollars each in up-front fees in exchange for little or no service from her law firm or saving california homes company Http://www.Savingcaliforniahomes.com/).

More importantly at the direction of kirsty hernandez and christina “cat” hernandez, among others, the telemarketing firm’s telemarketer and sales people The “sales staff”) called homeowners and/or answered telephone calls from homeowners who received the telemarketing firm’s fraudulent solicitations. During these calls, in an effort to convince the homeowners to pay up-front fees, hernandez, through the sales staff, regularly caused various false and fraudulent representations to be made to homeowners, to include the following:

• the homeowners were retaining a “law firm” and an “attorney” who would complete the hamp application and negotiate aggressively on the homeowners’ behalf with banks to modify the terms of the homeowners’ mortgages.

• hernandez and her staff would “pre-approve” the homeowners for a guaranteed modification through hamp.

• hernandez law firm would employed underwriters who would calculate and guarantee the homeowners a new, modified rate and monthly mortgage payment.

• that kristy hernandez law firm Www khlawoffices com) and saving california homes Http://www.Savingcaliforniahomes.com/mortgage modification services were free, and the up-front fees paid by the homeowners would be paid directly to the homeowners lenders.

In truth and in fact, and as kristy hernandez and her bunch of deceptive staff knew, all of these representations were false and fraudulent causing hundreds of home owners to lose their homes to foreclosure some becoming homeless.

It is widely known among the victims and some disgruntle employees that kristy hernandez frequently ordered her special employee a known career criminal to utilize his street criminal contacts to intimidate the victims from pursing complaints against her firm’s with state and federal governmental enforcement and regulatory agencies.

I would hope the feds will conduct an investigation which and shut down this boiler room operation and at least provide some kind of relief for the hundreds of homeowners which have fallen victim to this greedy lawyer.

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