August 7, 2024

PandA Ed: Credit Repair Secrets the Banks (and Credit Repair Companies) Don’t Want You to Know!

In this eye-opening video, “Credit Repair Secrets the Banks Don’t Want You to Know,” Judah Zakalik, Esq. from PandA Law Firm reveals the hidden truths behind credit repair that banks (and credit repair companies) don’t want you to know. Many people struggle with credit issues and often resort to costly credit repair services. However, Judah is here to show you […]
July 24, 2024

Panda Law Presents: Protect Your Home, Stop Foreclosure

In today’s crucial video, Judah Z, founding partner of PandA Law Firm, shares essential foreclosure defense strategies in “Protect Your Home From Foreclosure.” Homeowners facing foreclosure often feel overwhelmed and uncertain about their options, but Judah is here to shed light on effective legal strategies to help you keep your home. Whether you’re dealing with financial hardship, job loss, or […]
July 17, 2024

PandA Law Presents: Bankruptcy Myths Busted

Welcome to our latest video, “Bankruptcy Myths Busted!” In this informative session, Judah Z, founding partner of PandA Law Firm, delves deep into the world of bankruptcy to debunk common myths and misconceptions that often deter individuals from considering it as a viable option for financial recovery. With over 15 years of experience in helping clients navigate complex financial situations, […]
July 10, 2024

PandA Presents: Protect Yourself from Common Real Estate Frauds and Scams

In this video, Judah Zakalik, Esq., Founding Partner at PandA Law Firm explores essential strategies to protect yourself from common real estate frauds and scams. With an introduction to the topic of real estate fraud, Judah highlights the critical importance of being aware of common red flags to safeguard yourself as a homeowner. The video delves into foreclosure rescue scams, […]
June 26, 2024

PandA Ed: Common Legal Problems and How to Solve Them!

Judah Zakalik, Esq., founding partner of PandA Law Firm, addresses some of the most common legal problems that individuals face and provides practical solutions to tackle them. With over 20 years of experience, Judah shares his expertise on three key topics: starting and protecting yourself when you start a business, handling debt (and getting your deposit back) when you leave […]
June 19, 2024

PandA Top 10: How to choose the right lawyer!

Are you struggling to find the right attorney for your legal needs? In this video, Attorney Judah Zakalik, Esq., Partner at PandA Law Firm, reveals the Top 10 ways to make sure you’re hiring the right attorney (or law firm). Whether you’re dealing with bankruptcy, debt settlement, credit repair, foreclosure assistance, or if you were injured in a car accident, […]
June 12, 2024

PandA Presents: Common Money Scams and How to Avoid Them!

In this video, we’re diving into the world of money scams. We’ll uncover common traps that scammers use to try and take your hard-earned cash. From bogus investment opportunities to phishing schemes where fraudsters pretend to be someone they’re not, we’ll cover it all. You’ll learn how to spot these scams a mile away and arm yourself with the knowledge […]
June 5, 2024

Wondering if you should file bankruptcy? Top 10 Reasons an Attorney Might Recommend Filing!

Are you struggling with debt and wondering if bankruptcy is the right solution for you? In our latest video, PandA Law Founding Partner, Attorney Judah Zakalik, Esq., breaks down the top 10 reasons why a lawyer might suggest bankruptcy. From overwhelming debt to constant creditor calls, learn about the common signs that could indicate bankruptcy is the best option for […]
May 22, 2024

Debt-Free Dreams: Uncovering the Secrets of LEGAL Debt Settlement!

Attorney Judah Zakalik, Esq., founding partner at PandA Law Firm, explains the world of legal debt settlement. If you’re trapped in a cycle of debt, this video is a must-watch! Join us as we uncover the secrets that banks don’t want you to know about escaping debt legally and regaining control of your financial future. In this comprehensive discussion, Attorney […]
May 15, 2024

Legal Loopholes: How to Beat a Speeding Ticket!

Are you tired of hefty fines and points on your driving record due to speeding tickets? In this video, Attorney Judah Zakalik, Esq, founding partner at PandA Law Firm, shares valuable insights on how to beat a speeding ticket using politeness and legal loopholes. Discover surprising tricks and strategies that challenge traffic violations and empower you to win your case. […]
May 8, 2024

Rebuilding your personal credit score when you have a slip

In this video, Attorney Judah Zakalik, Esq., one of our founding partners, dives into the myths surrounding credit scores and offers valuable insights on how to rebuild your credit after experiencing a setback. Discover the truth behind common credit score misconceptions and learn practical tips to improve your financial health. Whether you’re recovering from a late payment or exploring options […]
September 15, 2022

Is Debt Settlement worse than Bankruptcy?

If done correctly, no. It is far better, because you can eliminate your debt for pennies on the dollar and avoid bankruptcy. If done improperly though, debt settlement can be worse than bankruptcy, and even lead to bankruptcy. This is why it is very important to hire a full service debt relief law firm like PandA to handle your debt […]
September 15, 2022

How much can I save with a Debt Settlement program?

You can save a lot. Including all attorneys fees, and settlement payments, most PandA debt settlement clients save 30 to 60 percent off their debt. The sad truth is that if you pay only the minimum payments on credit card debt, on average, you will end up paying back three times what you owe, and it usually takes 15 to […]
September 15, 2022

Will Bankruptcy affect my rental agreement?

If your rent is late, bankruptcy may stall an eviction and possibly wipe out the debt. If you’re current on your rent payments, there is usually little or no impact to your rental agreement when you file. Each case is different, so please make sure to let your attorney know you’re a renter during your free debt relief consultation.
September 15, 2022

Do I have to give up my house or car when I file for Bankruptcy?

In most cases, no. You don’t have to give up your primary house or car when you file bankruptcy. However, there are exceptions to this rule, and limits on what you can keep, called bankruptcy exemptions, which vary from state to state. For information about your particular case, call PandA Law.
September 15, 2022

What happens if I get sued?

Each lawsuit is different, so if you get sued you should contact an attorney immediately, as most only allow 20 days to respond. At PandA we can respond to lawsuits, include them in bankruptcy filings, stop garnishments, and negotiate settlements with whoever is suing you. Unfortunately, if you do nothing, a default judgment will likely be entered against you, your […]
September 15, 2022

How much does it cost for Debt Settlement?

PandA’s debt settlement fees vary depending on the type of debt, but generally fall in the 10 to 20 percent range. Additionally, you’ll have to pay back a portion of what you owe to each creditor. These settlements can range from 30 to 60 percent.
September 15, 2022

Should I hire a lawyer instead of a debt company?

First of all, law firms like PandA Law handle debt settlement and bankruptcy, so we’re going to discuss all your options. Second, because we handle both, we can leverage our ability to file bankruptcy with your creditors. This often leads to better settlements. Finally, and perhaps most importantly, when you’re in a debt settlement plan there’s a chance that your […]
September 15, 2022

How long will it take to get out of debt?

The answer to this question varies because it is often based on total debt, income level, and expenses. However, generally speaking, debt settlement takes 12 to 18 months, Chapter 13 can last three to five years, and Chapter 7 bankruptcies are over about three to four months after the case is filed. A PandA Law Firm attorney can give you […]
September 15, 2022

What is the difference between Chapter 7 and Chapter 13 Bankruptcy?

So there are two main differences between Chapter 7 and Chapter 13 bankruptcies. In Chapter 7, in most cases, you won’t pay back anything to your creditors. The court wipes the slate clean and eliminates your debt in a few months. This is why you sometimes hear Chapter 7 referred to as a “fresh start” bankruptcy. In a Chapter 13 […]
September 15, 2022

How soon will my credit improve after Debt Settlement?

Generally speaking, once your last debt is settled, and the agreed payment has been made, your credit will instantly start healing. Most debt settlement clients see marked improvement to their scores within six months of their last settlement, and some qualify for new credit cards, personal loans, or auto loans in as little as three months.
September 14, 2022

What are the differences between Debt Settlement and Bankruptcy?

The biggest difference between debt settlement and bankruptcy is the court’s involvement. In bankruptcy, the bankruptcy laws and the court dictate what you’ll pay back to your creditors and can exercise control over your financial well-being for as many as five years. In addition, in some Chapter 13 bankruptcy cases, you might actually pay back more than what you owe. […]