Having trouble managing your debt? Are you behind in mortgage payments, credit card payments, auto loan payments...all of the above? Are you in foreclosure or have your wages been garnished? Or can you see yourself in any of these scenarios in the near future? If so, then it is in your best interest to obtain solid legal advice before making any major decisions.

The Hernandez Law Group, Inc. is a full-service debt relief law firm specializing in consumer bankruptcy, loan modification, and debt negotiation. We have three locations in California, including Sacramento, Tracy, and the Bay Area. Our focus and goal is helping families get out of debt and back on the road to financial success! Our app will help you stay in contact with your attorney so you have the most up to date information on your case, and also provide you with ample information about your particular situation. You may even find answers to questions you didn't know you had! Use our mortgage calculator to see if your current mortgage payment is more than 31% of your gross monthly income, putting you in qualifying range for a loan modification! Keep a watchful eye on the value of your real estate so you can make an informed decision on whether to keep or sell your home. Our skilled and compassionate attorneys understand the great deal of stress you are facing and welcome the opportunity to speak with you during your one-hour free initial consultation!