The Law Office of Christie D. Arkovich is conveniently located in South Tampa, Florida. We hope that you will find our website informative and useful. Our goal is to provide quality legal services at reasonable prices. We file bankruptcy, foreclosure defense, creditor harassment lawsuits and other civil actions such as overtime and employment discrimination lawsuits on behalf of clients in Tampa, St. Petersburg, Clearwater, Brandon, Riverview, Brooksville and other cities in Hillsborough, Pinellas, Polk, Hernando, Pasco, Hardee, Manatee and Sarasota counties.

Bankruptcy (Chapter 7 and 13 for consumers and small businesses) and Creditor Harassment:

• Is your house worth less than what you owe?  (You can strip off your 2nd mortgage or line of credit in many cases:  please click here for a free report on how to strip off your 2nd mortgage or HELOC).
• Are you having problems paying your bills or faced with foreclosure?
• Bankruptcy can help. Start fresh. Low Payments.
• Do you hate answering the phone?
• Are you using one credit card to pay another?
• Are you swamped with bills?
• Do you need to stop a lawsuit, foreclosure, garnishment or repossession?
• Have you suffered the loss of a job, cut in pay, illness, divorce?
• Suffering from creditor harassment?
• Is your home threatened by foreclosure?
• Credit Report shows mortgage debt even after surrender or sale?
• Have you had a short sale and the lender did not waive the deficiency owed?

To further our committment to representing consumers in bankruptcy, Christie D. Arkovich, Esq. attended the prestigious Max Gardner bootcamp in September 2008 to help fight creditor and debt collector abuse.  Mr. Gardner is nationally known for his bootcamp which has received national attention from Business Week, ABC News' Nightline, CNN and other news media.

Foreclosure Defense/Short Sale Negotiation of Deficiency Balance:

Are you behind in your house payments and facing foreclosure?  Are you having difficulty modifying your mortgage?  Trying to buy time to complete a short sale? Being asked to come to the closing table with funds or to sign a promissory note? Considering whether to strategically default on your mortgage? Review our Foreclosure FAQ and Speciality Areas for answers to common questions. We offer free consultations for foreclosure related issues. If retained, most attorney's fees include payment plans and flat fees whenever possible.  Ms. Arkovich has served as a panelist in various seminars for attorneys and paralegals helping to teach others how to defend foreclosure lawsuits.  One such webinar is available through Westlaw at  http://westlegaledcenter.com/program_guide/course_detail.jsf?courseId=20605652.  In the Spring of 2010, Aspatore Books, a Thomas Reuters company, published a book titled Negotiating Mortgage Modifications, in which Ms. Arkovich wrote a chapter on Modifying Mortgage Terms in a New Environment.  She has assisted indigent clients free of charge through Bay Area Legal Services.  She has litigated over 250 foreclosure cases defending homeowner rights in predatory loans as well as identifying the flaws in the securitization process when loans were transferred without the necessary documentation to foreclose.

Employment Law and Overtime Issues:

Are you working off the clock or through lunch without being paid overtime? Are you working more than 40 hours per week and not being paid overtime under the Fair Labor Standards Act due to misclassification by your employer? You may be entitled to overtime pay and double damages. Contact our office for a consultation to determine if you have a possible claim.

Our law firm has been designated by Congress and President Bush as a debt relief agency.  We help people file for bankruptcy relief under the Bankruptcy Code.