Christie Dee Arkovich

There can be times in life when an astute lawyer,who is updated on the latest legislation can make all the difference. Christie is just that type of attorney. She was able to navigate us through a complex bankruptcy in short order when others were incapable. She has made it much easier with a fresh ...start. We wholeheartedly recommend her! Thank-you Christie.

When I met Christie, my finances were completely upside down, I had creditors calling me constantly, and life was one big stressful situation. I did some research to find a bankruptcy attorney, and thankfully, came across Christie Arkovich. Her website was very informative and her bio was very impres...sive. Reading all of that made me feel at ease knowing that I found the right attorney. When I met her, she was so caring, understanding, and wanted to help me. I was being harassed by creditors and it was nonstop. I wanted to file bankruptcy, but couldn't afford it either. She worked with me because she knew that the constant harassment that I was receiving was wrong as well as being financially upside down. She helped me fight against creditors and came out victoriously. I had no idea that it was an option to fight back. I wish more people knew that you have rights too. You don't have to be a victim of the constant calls, harassment, and the feeling of never getting out of a financial hole. If you feel that you're being harassed, make a call log and keep track of everything. I highly suggest fighting back because the benefits, the piece of mind, and the feeling of having the weight lifting off your shoulders is worth it. She will guide you in the right direction and will give you options and ways to help you and do what is best for you. She is someone who cares about her clients, puts them first, and who will help you completely from start to finish. You can always contact her and she will always make sure to get right back to you, and will even call you personally. Her staff has been very nice, understanding, and very easy to talk to as well. I highly recommend her because she has been a life saver. I will always be thankful for her help and support.

My wife and I appreciate and value everything Christie has done in order for us to keep our home. Without her expertise and assistance, we would have gone through foreclosure, lost our home and still been liable for a second mortgage. Prior to engaging Christie, we enlisted the services of three ...other attorneys for bankruptcy, mortgage and/or foreclosure defense. We found one that helped us through the bankruptcy, but only really provided “logistic” support. It was difficult to get straight forward answers and they were not nearly as knowledgeable as Christie. The other two were arrogant and seemed to only be in it for the money with extensive “fine print” that would have made it unfeasible to settle any negotiated amount. Bankruptcy: Our original bankruptcy attorney only helped us with our “secured” debt obligations. We tried to get them to include our second mortgage but said there was no way to include that in our Chapter 7 filing, although I had found some cases in which it had been done based on the fact that our home was upside down and there was no value for the second to secure. The court approved our bankruptcy and discharged our obligations, except for the second mortgage since we didn’t include that in the filing. When we met with Christie, she informed us that we in fact could have the second mortgage stripped off and helped us reopen the original bankruptcy. It was approved! This cleared the way for us to now work with the mortgage servicer and keep our home. Mortgage and Foreclosure Defense: We had a situation where we originally had a first and second mortgage. The bank, WAMU, sold its holdings to Chase. Chase had two separate divisions, one that handled the first and another that handled the second. Neither communicated with each other. Although we tried to accept Chase’s first mortgage offer, they could not confirm that this would satisfy the second (note above situation). As time went on, when we did try to accept the offer, it was too late and they made the determination that we had declined, although they wouldn’t accept our counter offer of our acceptance it they included the second as part of the satisfaction. Also, we had paid a few months while going this process (another mistake). At that point, Chase sold our loan to BSI, a mortgage servicer (no matter how they spin it, they are an unscrupulous debt collector!). They made numerous offers that we tried to accept and then they would say that their management would not approve! As well, they got nasty. My wife checked them out online only to find that their reputation was horrible. My wife then went looking for another attorney and found Christie. What a blessing! She helped us get our second mortgage obligation discharged (as mentioned above) and helped us understand our options in order to keep our home. She provided us with a clear understanding of how the process works, with examples, and helped us map out a plan. In addition, Christie helped us as we worked through the short payoff. She negotiated with BSI when things got sticky and was available to speak on the phone or in person when we needed to resolve issues or review status. Oh, and she NEVER brought up money after our initial agreement! And, she didn’t gouge us or have additional “hidden” fees. Christie has a great deal of integrity, is very compassionate, intelligent and takes a personal interest. Without Christie’s professionalism and understanding of how the “system” works, we probably would have lost our home or been in huge debt with the mortgage servicer. We cannot express our appreciation enough. We highly recommend Christie and her firm if you need bankruptcy, mortgage or foreclosure defense. Thanks Christie!

I would highly recommend Christie Arkovich for anyone needing a re-finance or is in a home foreclosure. My results were outstanding with a mod of 2% interest rate and also a large amount of arrearages forgiven by the lender. She has a team behind her that keeps in contact throughout the process, but... if you need to communicate with her directly, she will follow up via e mail or phone call.