Bay Area Office

Cara L. Milgate

Loan Modification Manager

Cara L. Milgate, a Case Manager, has been with the company for 3 years. Cara Milgate entered into the lending and real estate industry in 1986. Cara has 25 years of experience dealing and working with banks and lenders. Cara obtained her California Broker License in 1991. She has extensive experience in all lending areas, underwriting, real estate sales (specifically short sale) experience and knowledge.

Cara has dedicated herself as an active advocate for homeowner’s rights and fair dealing. She is passionate and committed in helping distressed homeowners resolve their financial difficulties and obtain a short and long term solution. Cara will be entering the California State Bar Law Office Study Program (LOSP) in 2011.

Miosodis Teh

Office Manager

Hello Everyone! My name is Miosodis Teh. I have a background in Administration, and am the Office Manager here at the Law Offices of Kristy Hernandez, in the Newark Branch. I help support both the Bankruptcy and Loan Modification department, and as well as help to keep the office looking beautiful and professional. When I’m not at work, I enjoy spending my time with my husband and extended family.

I absolutely appreciate everyone on our staff. They all work long hours, share the same passion in helping people, and work at their best everyday to get the job done right. I enjoy being a part of this winning team.Working for Kristy Hernandez has been a great experience thus far. I have the opportunity able to learn so much in the areas of Bankruptcy and Loan Modification. Because Kristy is so well-versed in her law trade and extensive experience in Real Estate Law, I’ve observed how well she utilizes her knowledge to get the job done correctly, and really helping many families get through their difficult times. At the end of the day, it feels good to know that I’m working with good people and doing the right thing.

Shawn L. Spangler

Loan Modification Processor

Shawn L. Spangler, a Legal Real Estate Consultant, has been with the company for 3 years. Shawn Spangler entered into the lending and real estate industry in 1991. Shawn has 20 years of experience dealing and working with banks and lenders. Shawn obtained her California Real Estate License in 1991. She has extensive experience in all lending areas, real estate sales (specifically short sale) experience and knowledge. Shawn attended Cal State East Bay and earned a bachelor of science degree in Business Administration. In 1988 Shawn successfully obtain her California Class A Engineering License.

Shawn has dedicated herself as an active advocate for homeowner’s rights and fair dealing. She is passionate and committed in helping hundreds of distressed homeowners resolve their financial difficulties and obtain a short and long term solution.

Monica Spangler

Loan Modification Processor

I have worked in the mortgage industry since 1991 under broker Cara Milgate. When the mortgage meltdown happened in 2008, we found that many of our clients needed to refinance but could not, mainly because their property values had dropped too much and they had no equity, or were under water. In February 2009 we decided to help out our clients by offering loan modification submissions. We had an extensive background doing mortgage loans and knew how to talk with the lenders so it turned out to be an easy and natural progression into loan modifications. Over the last 2 years we have had many successes and have helped hundreds of our clients avoid foreclosure and keep their homes. This is the most stressful but definitely the most rewarding job I have ever had!

I have a Bachelor of Arts degree in Mass Communication with a minor in Business Administration. I hold a Real Estate Salesperson license and a Notary Public commission. I enjoy taking care of my family, cooking, wines and traveling with my husband Scott, daughter Scarlett and son Scotty.

Sheila Spangler

Loan Modification Processor

My work history has seen me do a bit of everything. After two years in Junior College to pursue a career in veterinary medicine, I hit the job world and never looked back. I have worked in corporate offices for over 10 years, at which point I jumped ship in 1983, moved to Colorado for 3 years to run a hunting camp and raise horses. I then moved to Nevada to work in a silver mine for 4 years. I became really homesick for my family so I returned to California in 1990. I began working in the real estate business with my sister’s Cara and Shawn. They had their own brokerage firm. When the market turned in 2008, Cara and Shawn, being the aggressive ladies they are, got their team involved with loan modifications in 2009, which has led to me working for an attorney, Kristy Hernandez. I have my real estate license and notary license.

My hobbies are doing anything with my family. I am a member of the Fremont Elks Lodge where I was the first lady president, currently I am the treasurer. I am a member of the Daughter’s of the American Revolution. I love horses, love to hunt, love to travel, which I did with my late father and we were able to visit 42 states and 3 Provinces together before he became ill. I have been to Europe several times and on multiple numbers of cruises in this wonderful world we live in.

Victoria Ovieda

Loan Modification Processor

Victoria Ovieda, a Legal Real Estate Consultant, has been with the company for 3 years. Victoria entered into the lending and real estate industry in 2005. Victoria has 6 years of experience dealing and working with banks and lenders. Victoria obtained her California Real Estate License in 2006. She has extensive experience in all lending areas, real estate sales (specifically short sale) experience and knowledge.

Prior to embarking on a career in the Real Estate Industry, Victoria was an On-Site Manager for CheveronTexaco managing over 200 temporary employees and the overall staffing operations. She has extensive Customer Service, problem solving and negotiation skills.

Victoria has dedicated herself as an active advocate for homeowner’s rights and fair dealing. She is passionate and committed in helping hundreds of distressed homeowners resolve their financial difficulties and obtain a short and long term solution.

Michael Choi

Legal Assistant

Michael Choi is a legal assistant at the Law Office of Kristy Hernandez. Michael graduated from the University of California, Los Angeles in 2009 with a B.A. in Political Science and Global Studies. Prior to joining the Law Office of Kristy Hernandez, Michael actively participated with the advocacy groups Calpirg and the Human Rights Campaign to promote environmental protection policies and equality in human rights. In the near future, Michael plans on returning to academia to further his education and pursue a degree in law. In his free time, Michael enjoys studying globalism and politics, gourmet cooking, and baseball.

Jaimie Fraser

Legal Assistant

Hello my name is Jaimie M. Fraser and I am a Legal Assistant here at the Law Offices of Kristy Hernandez. I am from the Bay Area and graduated in 2008 from California State University East Bay with my Bachelors in Communications . I was an employee for Wells Fargo Bank for three years through out college and starting working on loan modifications two years ago. I can honestly say I love my job because I get to help people and also work with an amazing group of co-workers . In my spare time I enjoy hanging out with my friends, family , and experiencing being a new Aunt to my nephew Tanner and niece Mackenzie.

Sacramento Office

Christina “Cat” Hernandez
Bankruptcy Case Manager

Cat has worked as a Paralegal for Kristy Hernandez for three years. She started as an assistant to Kristy, and found that she enjoyed the legal procedure so much that she wanted to further her education. Cat recently graduated from MTI with her Associates Degree in Paralegal Studies. Cat has always had a passion for helping others, but has found that in the area of bankruptcy and loan modification she is truly assisting families in getting back on their feet. She has a background in customer service, and in banking. She worked as an assistant manager for a large bank in Lake Tahoe and in Sacramento before deciding that what the banks were doing were not helping anybody. Taking a leap of faith, she left banking to work alongside Kristy, and has been thankful ever since.

In addition to her work at the Law Office of Kristy Hernandez, Cat was recently married and has a young daughter. Her husband is currently serving in the United States Army. She enjoys all types of music, dancing, travel, reading, and of course, spending time with her daughter and husband.

Carly Molash
Office Manager

Carly Molash started in 2003 an entry level Legal Secretary in the area of Civil, Probate and Family Law. After focusing on Family law for 5 years she went to work for Placer County Superior Court as a court clerk processing all Department of Child Support Service paperwork, Domestic Violence and Civil Harassment Restraining Orders and Family law including but not limited to Child Support, Custody and Dissolution. She started with the Law Office of Kristy Hernandez in 2010 and has hit the ground running learning all aspects of the bankruptcy procedure and federal law. She enjoys helping our client’s with the hope for a better future.