Christie D. Arkovich, P.A.

Christie D. Arkovich, P.A.

Free bankruptcy, foreclosure, creditor harassment and student loan consultation, low cost payment plan.

Firm Overview

With 20 years of consumer law experience including consulting for strategic defaults, deficiency waivers, short sales, bankruptcy and debt relief, foreclosure defense and student loans, Christie D. Arkovich, P.A. assists consumers and homeowners in making financial decisions that for many may be one of the most important decisions of their lives. Christie D. Arkovich, P.A. has eight full and part-time friendly and approachable staff members and prides itself on finding the right solution for its consumer clients.

Ms. Arkovich enjoys an AV rating by Martindale Hubbell. She is a graduate of the prestigious Max Gardner's Bankruptcy Boot Camp which has been featured in Business Week magazine and ABC's Nightline. Bootcampers are known nationwide as being on the forefront of challenging and outside the box solutions for consumers. She also attended specialized training litigating creditor harassment cases offered by nationally known Pete Barry, Esq. She has been recognized among the top bankruptcy attorneys by Florida Super Lawyers and listed among Tampa Bay's Top Attorneys by Tampa Bay Magazine. Ms. Arkovich is a member of National Association of Consumer Advocates, National Association of Consumer Bankruptcy Attorneys, National Association of Employment Attorneys, and local bar associations. She has taught Continuing Legal Education (CLE) courses for other attorneys on bankruptcy, foreclosure defense and employment law topics as well as authored several bankruptcy and employment related articles and has been a contributor to several published books. She presently enjoys keeping her clients up to date and sharing her insights through her blog:

Christie D. Arkovich is a 1992 graduate of Stetson College of Law with honors where she was also a member of Stetson's Law Review. She completed a clerkship with the Florida Bar and an internship with the Hillsborough County State's Attorney's office while in school. After three years practicing commercial and banking litigation with private firms in Tampa, Florida, she opened her own law firm in 1995.
Main Office
1520 W. Cleveland St.
Tampa  FL  33606
  • (813) 258-2808
  • (813) 258-5911


Free Initial Consultation?
Yes for all debt related consultations
Services Offered For Fixed Fees?
Chapter 7 $1,000 to $1,500, plus costs. Chapter 13 fees vary up front, and much of the fees are paid in the plan.
Hourly Rates

Office Information

Office Hours
Mon - Thurs 8-5; Fri 8-12; evening appts Wed and Thurs
Office Manager
Angie Glaser
Emergency After Hours

How did your firm decide on the primary area of practice(s)?

I chose both bankruptcy and employment law due to the ever changing and complex laws in these areas. It makes it interesting. Also besides the challenge of the law in these areas, I find it challenging to make such a difference in the lives of my clients. Due to the environment we added foreclosure defense back in 2008 and have recently added student loan default representation.

What is your firm's point of view regarding clients educating themselves on legal issues?

I think it is wonderful. Just understanding the terminology is an important first step and it makes our consultation with our clients much easier and of greater benefit to our clients. My job is to explain options, legal hurdles, the process and likely outcomes. Educating our clients is something that I have always tried to stress as I feel that two minds working toward the same goal is going to be more successful every time. My website strives to educate potential clients. Even if they choose not to consult with me, I hope the information is helpful to their situation. We actively blog about things we feel our clients need to know or would be interested in.

Is your firm willing to review documents prepared by clients?

Both my bankruptcy paralegal and I review documents prepared by clients as part of representing my clients. However, I do not provide "ghost" representation, which is essentially behind the scenes representation without formally being the client's counsel of record. The malpractice concerns of doing this are simply too large nowadays especially under the new bankruptcy laws passed in October 2005.

Is your firm willing to coach clients who want to represent themselves?

My willingness to coach clients who want to represent themselves is extremely low. Under the old Bankruptcy Code, self-representation was a risky proposition, even with legal coaching. It is now clear, under the amendments by the Act, self-representation has many legal pitfalls and is not recommended at all. In fact, it is probably malpractice for an attorney to so coach a client. Besides, the time it would take to explain all that was necessary to the client, would probably result in the same legal fees anyway so the savings would not outweigh the risks to the client in my opinion. Notwithstanding the above, if a client has a simple problem, there are many times I may explain to the client how to do it themselves rather than to retain my services, such as filing a proof of claim or filing a small claims suit. However, nowadays, filing a bankruptcy petition is no longer simple.

Christie D. Arkovich

Prior to forming my own firm, I practiced employment, business and civil litigation for three years in small to medium firms representing primarily businesses.

Interning at the State Attorney's office was a great experience as well as working at several small firms immediately following graduation. Learning the different ways each firm approached the practice of law was very valuable to starting my own firm. Supporting myself through college and law school with various jobs including bartending, photography, retail, reporting on court cases etc. taught me self reliance, the ability to juggle workloads, people skills and other attributes that make a successful lawyer.

My biggest strength is my ability to listen and analyze. Oftentimes, attorneys tend to be overbearing and force their interpretation of the law or circumstances on others. I find that in our practice, listening to the 'big picture' is a better approach and oftentimes more rewarding when a case is presented and is successful.

Our office style is very low key and 'laid back.' Some debtors' firms are aggressive in their attempts to sign up new business. This office avoids the high-pressure approach. We feel that our service sells itself without any 'embellishment' and if a personal bankruptcy is the correct choice, then that service sells itself.

Personal interests:

Snow skiing, kayaking, photography, reading, and if I have time, playing Xbox 360 with my twin nephews (BimmerRat is my gamertag for those of you similarly inclined).

  • Bar Number: 963690
    Florida , 1992
  • Stetson University College of Law
    Juris Doctor , 1992
    Gulfport, FL
    Stetson Law Review; State Attorney internship with Hillsborough County.
  • Stetson University
    Bachelor of Arts , 1989
    Deland, FL

Erin M. Allen

Erin McKenney Allen graduated Cum Laude from Florida State University College of Law in 2006. Prior to joining the firm, Erin worked as a prosecutor with the State Attorney's Office in Pinellas County, Florida for over five years. While a prosecutor, Erin tried over thirty jury trials in both felony and misdemeanor courts. During her last year as a prosecutor, Erin worked in the Special Prosecution division and handled postconviction motions and hearings. Her trial experience is beneficial particularly in our foreclosure defense cases for trials and contested hearings.

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