About Us

Why Hire Christie D. Arkovich, P.A.?

We are a law firm helping people to reduce student loans and other debts, including filing bankruptcy if necessary. Don't believe others who say nothing can be done about student loans - we are seeing fantastic results every day! I was formerly trial counsel for Sallie Mae and other student loan servicers in bankruptcy dischargeability cases. I "switched sides" and now represent student loan borrowers and other debtors both inside and outside of bankruptcy. Since getting rid of student loans is so difficult in bankruptcy, we have had to get creative in finding ways to reduce the debt to affordable and sustainable payments with an end in sight.

When your future depends upon results, our attorneys will be there for you to 1) keep you abreast of the status of your case; 2) keep your case moving toward a positive resolution so you can move on with your life; and 3) above all obtain the best result possible.


The lawyers at Christie D. Arkovich, P.A. pride themselves with achieving “out of the box” results utilizing tools and techniques that other attorneys often overlook. As a result, your matter can often be accomplished with less cost and in less time with better financial results.


Our excellent client reviews are a testament to our willingness to go the distance in achieving results for our clients while treating our clients with compassion, understanding and above all working as a team to achieve the best results possible. Our team of dedicated lawyers and support staff provide a “Client First” experience to reduce stress along with debt.


Ms. Arkovich is a Florida licensed attorney for over 25 years. She was former trial counsel for Sallie Mae, ECMC and other student loan servicers and guarantors in the late 1990s and early 2000s. She is a frequent CLE (Continuing Legal Education) lecturer on student loans and consumer debt collection laws for other attorneys.

In 1995, Ms. Arkovich started her own law practice in Tampa. Presently the firm handles consumer bankruptcy, debt defense, student loans and foreclosure defense. This includes suing debt collectors for wrongful collection of debts, debt defense, debt settlement and various types of debt resolution.

Ms. Arkovich graduated from Stetson College of Law with honors in 1992. She was also a member of Stetson’s Law Review. During law school, Ms. Arkovich fulfilled an internship with the Hillsborough County State Attorney’s Office and clerked for the Florida Bar. Before starting her own firm she practiced commercial law for three years with other private law firms in Tampa Bay. Coming from an entrepreneurial family, Ms. Arkovich always wanted to run her own firm.

The firms’ attorneys are members of the National Association of Consumer Bankruptcy Attorneys, the National Association of Consumer Advocates, the American Bankruptcy Institute and the Tampa Bay Bankruptcy Bar Association.

Recently the firm obtained a judgment in a case of first impression in the State of Florida discharging several hundred thousand dollars in private student loans resulting from our client’s education at a Caribbean medical school ineligible for federal funding. This argument challenging the qualifications of the educational loan is gaining speed around the country in bankruptcy courts. It is creative out of the box arguments like this that will make the difference in our clients’ lives.

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