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 solutions at reasonable prices. This includes Bankruptcy, Foreclosure Defense, Short Sales, Creditor Harassment, Debt Defense and Settlement, Wage Garnishment, Deficiency Claim Defense, Student Loan Workouts, Quiet Title and other Civil Actions.
Bankruptcy and Creditor Harassment
- Is your house worth less than what you owe?
- 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? 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. 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 a thousand foreclosure cases defending homeowner rights.
The next bubble is upon us - student loan defaults are the highest they have ever been and the amount of student loan debt has surpassed even credit card debt. We have spent a great deal of time learning about all the student loan programs, payment options, possibilities when receiving debt collector calls and strategic planning. Please see our Student Loan Survival Center for more info.
Debt Defense, Settlement, Deficiency Claims and Garnishment Defense
Many of our clients do not need a bankruptcy or for some reason it does not make sense to file bankruptcy. Using an attorney to negotiate debt settlements or to raise defenses to credit card suits, deficiency lawsuits or garnishments can make a difference.
Rebuilding Credit and Qualifying for a Mortgage
After years of helping our clients plan the best exit strategy for home purchases gone bad, lost income and other financial pitfalls, we have now put together a comprehensive team and resources to help our clients rebuild their credit and get on with their lives. In addition to the law practice, Christie D. Arkovich is a licensed Real Estate Broker and co-owner of RealtyWorks, LLC. Our goal is provide you with resources to clean up your credit to qualify for conventional lending, locate alternative financing, supply you with rent to own options etc. to get you into a home now while rates are low.
Most clients purchasing property following a tax deed sale or a foreclosure sale will need to file a quiet title action in order to obtain title insurance for a re-sale or re-finance. The process can be completed in as little as 60-90 days. See our practice area Quiet Title for more information including an estimate of costs.