Xenophon Peters is a founding partner of PandA Law Firm, where he has dedicated his career to providing sophisticated legal solutions for individuals and businesses facing complex financial and legal challenges. With a practice rooted in deep experience and high-volume success, Xenophon has established himself as a premier advocate in the Las Vegas legal community.
Xenophon’s track record is defined by its scale and consistency. He has successfully navigated thousands of bankruptcy filings and negotiated thousands of settlements, providing a lifeline to clients in financial distress. His current practice is sharply focused on bankruptcy and debt restructuring, specifically involving:
His commitment to legal excellence and early-career leadership has earned him prominent recognition across Nevada. Xenophon was named to the prestigious “40 Under 40” list, honoring him as one of the region’s top young professionals and influential business leaders. Additionally, he is a recipient of the “Best of Las Vegas” award and has been repeatedly recognized by his peers in local “Top Lawyers” rankings. These accolades reflect a career-long dedication to achieving the best possible outcomes for his clients through both aggressive litigation and skillful negotiation.
Xenophon earned his Juris Doctor from the UNLV William S. Boyd School of Law and holds a Bachelor of Science from UC Davis. This academic foundation, combined with years of hands-on experience in the Nevada legal landscape, allows him to navigate the nuances of both personal injury and debt-related law with precision.
When he is not in the office or the courtroom, Xenophon is an avid golfer. He enjoys spending time on the many world-class courses Las Vegas has to offer, a pursuit that mirrors his professional approach: requiring focus, patience, and a strategic long-game.
J.D., Boyd School of Law, University of Nevada, Las Vegas
B.S., University of California, Davis
Focusing on debt relief, real estate transactions, bankruptcies, and consumer protection.
Attorney Judah Zakalik is a Founding Partner of PandA Law Firm, a Nevada law firm helping consumers in Las Vegas and Henderson find debt relief through a Chapter 7 or Chapter 13 bankruptcy or debt settlement, and helping homeowners avoid foreclosure through loan modifications and workouts, short sales, and deeds in lieu of foreclosure. Mr. Zakalik’s legal background includes experience in personal injury, corporate litigation, real estate transactions, corporate bankruptcies, and intellectual property rights.
As a courtroom litigator, Mr. Zakalik represented financial institutions in lawsuits brought by homeowners for violations of federal statutes. This experience has proved invaluable in Mr. Zakalik’s current practice, helping homeowners and businesses keep their residential and commercial property through the loan modification process and consumer bankruptcies. As a Founding Member of the Diversity Committee within the State Bar of Nevada, Mr. Zakalik actively volunteers his time to increase diversity within the legal profession in the State of Nevada.
When not practicing law, Mr. Zakalik enjoys riding his Harley-Davidson motorcycle, the Las Vegas arts and music scene, traveling, bicycling and engaging in snow sports.
J.D., magna cum laude, Seattle University School of Law
B.A., University of Washington
State Bar of Nevada (Founding Member, Diversity Committee)
Vegas Golden Knights, Center For Excellence – Advisory Board Member
CASA – Advisory Board Member
American Heart Association – HeartWalk Board Member
Jennifer Rigdon is an associate at PandA Law Firm, where she practices primarily in the area of consumer bankruptcy law in the Las Vegas, North Las Vegas and Henderson, Nevada regions, with a focus on debtor rights in Chapter 7 and Chapter 13. Ms. Rigdon graduated with a Bachelor of Arts degree, summa cum laude, from the University of California, Los Angeles in 2004. She earned her Juris Doctorate from the University of Nevada, Las Vegas William S. Boyd School of Law in 2007. While attending law school, she served as a judicial extern to the Honorable Timothy P. Greeley of the United States District Court for the Western District of Michigan. She also served as an extern to the Nevada Attorney General’s Office. She is admitted to practice before the state and federal courts of Nevada and is a member of the State Bar of Nevada.
Elizabeth DeFlyer is an associate attorney at PandA Law Firm, where she practices primarily in the area of consumer bankruptcy law, with a focus on debtor rights in Chapter 7, Chapter 11, and Chapter 13. Ms. DeFlyer has extensive experience in bankruptcy law, which she has practiced nearly exclusively for over nine years.
Ms. DeFlyer graduated with Honors from the University of Nevada, Reno in 2001. She earned her Juris Doctorate from the University of Nevada, Las Vegas William S. Boyd School of Law in 2005. She is admitted to practice before the state and federal courts of Nevada and is a member of the State Bar of Nevada.
A Las Vegas native, Cam-Tu Dang is a dedicated and effective advocate at PandA Law Firm, where she combines sharp legal strategy with a realistic and empathetic approach to client advocacy. A graduate of Lewis & Clark Law School in Portland, Oregon, Cam-Tu has built a strong reputation for fairness among her colleagues and for excellent results for her clients.
Cam-Tu’s comprehensive practice spans a wide array of legal fields. Her key areas of focus include representing homeowners in Foreclosure Mediation, Mortgage Modification, the Homeowner Bill of Rights (HOBR), Civil Litigation, Probate, Simple Trusts & Estates, HOA Redemptions, Family Law, and Debt Settlement. Demonstrating her commitment to continuous professional growth and comprehensive client service, she is also currently expanding her expertise into Bankruptcy law through Student Loan Discharge.
Recognized by her peers for her outstanding legal acumen, Cam-Tu has been honored as a Super Lawyers Mountain States Rising Star for two consecutive years.
She has successfully negotiated second mortgage principal balances down to a fraction of the original amount and litigated and settled violations by mortgage lenders.
Whether fiercely advocating for homeowners’ or debtors’ rights, navigating the intersection of various legal areas, or mediating a sensitive matter, Cam-Tu provides unwavering support and top-tier legal representation to the Las Vegas community.
PandA Law Firm’s attorneys include Xenophon Peters and Judah Zakalik, both of whom are licensed Nevada attorneys with extensive experience in debt relief, bankruptcy, and consumer protection law.
Yes. All PandA attorneys are licensed with the Nevada State Bar. You can verify any attorney’s license at nvbar.org.
At PandA, the firm’s partners meet with you directly. Unlike many high-volume firms, PandA does not hand clients off to paralegals for consultations.
PandA’s attorneys have negotiated thousands of accounts and saved clients more than $100 million in debt, giving them some of the deepest debt settlement experience in Nevada.
PandA Law Firm
We firmly believe that the internet should be available and accessible to anyone, and are committed to providing a website that is accessible to the widest possible audience, regardless of circumstance and ability.
To fulfill this, we aim to adhere as strictly as possible to the World Wide Web Consortium’s (W3C) Web Content Accessibility Guidelines 2.1 (WCAG 2.1) at the AA level. These guidelines explain how to make web content accessible to people with a wide array of disabilities. Complying with those guidelines helps us ensure that the website is accessible to all people: blind people, people with motor impairments, visual impairment, cognitive disabilities, and more.
This website utilizes various technologies that are meant to make it as accessible as possible at all times. We utilize an accessibility interface that allows persons with specific disabilities to adjust the website’s UI (user interface) and design it to their personal needs.
Additionally, the website utilizes an AI-based application that runs in the background and optimizes its accessibility level constantly. This application remediates the website’s HTML, adapts Its functionality and behavior for screen-readers used by the blind users, and for keyboard functions used by individuals with motor impairments.
If you’ve found a malfunction or have ideas for improvement, we’ll be happy to hear from you. You can reach out to the website’s operators by using the following email https://www.pandalawfirm.com/contact/
Our website implements the ARIA attributes (Accessible Rich Internet Applications) technique, alongside various different behavioral changes, to ensure blind users visiting with screen-readers are able to read, comprehend, and enjoy the website’s functions. As soon as a user with a screen-reader enters your site, they immediately receive a prompt to enter the Screen-Reader Profile so they can browse and operate your site effectively. Here’s how our website covers some of the most important screen-reader requirements, alongside console screenshots of code examples:
Screen-reader optimization: we run a background process that learns the website’s components from top to bottom, to ensure ongoing compliance even when updating the website. In this process, we provide screen-readers with meaningful data using the ARIA set of attributes. For example, we provide accurate form labels; descriptions for actionable icons (social media icons, search icons, cart icons, etc.); validation guidance for form inputs; element roles such as buttons, menus, modal dialogues (popups), and others. Additionally, the background process scans all the website’s images and provides an accurate and meaningful image-object-recognition-based description as an ALT (alternate text) tag for images that are not described. It will also extract texts that are embedded within the image, using an OCR (optical character recognition) technology. To turn on screen-reader adjustments at any time, users need only to press the Alt+1 keyboard combination. Screen-reader users also get automatic announcements to turn the Screen-reader mode on as soon as they enter the website.
These adjustments are compatible with all popular screen readers, including JAWS and NVDA.
Keyboard navigation optimization: The background process also adjusts the website’s HTML, and adds various behaviors using JavaScript code to make the website operable by the keyboard. This includes the ability to navigate the website using the Tab and Shift+Tab keys, operate dropdowns with the arrow keys, close them with Esc, trigger buttons and links using the Enter key, navigate between radio and checkbox elements using the arrow keys, and fill them in with the Spacebar or Enter key.Additionally, keyboard users will find quick-navigation and content-skip menus, available at any time by clicking Alt+1, or as the first elements of the site while navigating with the keyboard. The background process also handles triggered popups by moving the keyboard focus towards them as soon as they appear, and not allow the focus drift outside it.
Users can also use shortcuts such as “M” (menus), “H” (headings), “F” (forms), “B” (buttons), and “G” (graphics) to jump to specific elements.
We aim to support the widest array of browsers and assistive technologies as possible, so our users can choose the best fitting tools for them, with as few limitations as possible. Therefore, we have worked very hard to be able to support all major systems that comprise over 95% of the user market share including Google Chrome, Mozilla Firefox, Apple Safari, Opera and Microsoft Edge, JAWS and NVDA (screen readers).
Despite our very best efforts to allow anybody to adjust the website to their needs. There may still be pages or sections that are not fully accessible, are in the process of becoming accessible, or are lacking an adequate technological solution to make them accessible. Still, we are continually improving our accessibility, adding, updating and improving its options and features, and developing and adopting new technologies. All this is meant to reach the optimal level of accessibility, following technological advancements. For any assistance, please reach out to https://www.pandalawfirm.com/contact/