PandA Law Firm Blog

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

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

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,

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,

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

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,

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

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

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

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.

Xenophon Peters, a founding partner at Las Vegas-based law firm PandA Law, has seen a roughly 20 percent increase in bankruptcy filings in the last couple of years.

Question: Between gifts, travel, and other holiday and living expenses, my credit card bill is astronomical, and I’m not sure how to get back on track for the new year. What should I do?

Question: I received a court summons for an unpaid credit card debt. I knew I was behind on my payments, but I thought I would have more time to figure it out before I’d be faced with anything like this. The court says I have to respond in 20 days. What do I do?

Question: I was expecting a bonus from work that didn’t come, and now I’m strapped for cash during the holidays. I’m thinking about taking out a payday loan. I know the interest rates are high, but I’m desperate and it would only be this one time. What should I do?

Question: A few years ago, an investment property of mine was foreclosed on. Since then, I’ve been focused on rebuilding my credit score and have been careful to avoid anything that would negatively affect my credit. Now, I want to refinance my primary home, but I’m worried it will be denied because of the past foreclosure. What are my options?

Question: I’m in my early 30s, and I feel like it’s time to get some of my important documents in order. I have a general folder that I use for things like my Social Security card, my children’s birth certificates and mortgage documents, but I’m wondering what else I need. Am I too young to create a will? Should I start

Question: My son broke his arm playing at a friend’s house. The other boy’s parents were very helpful — they called me immediately and took him to the emergency room for treatment. Unfortunately, our health insurance is limited and it won’t cover most of the claim. I like the other family but I’m frustrated with the situation and I’m not sure

Question: I’m new to the city and looking for a home to rent. What do I need to know about renters’ rights in Las Vegas before I sign a lease?

Question: My husband recently brought up the topic of “getting our affairs in order.” While it seems premature to me — we’re only in our 40s and are both in good health — we want to make sure our kids would be protected if anything were to happen. When is the right time to start this process? What documents do we

Question: Last week I was rear-ended during my drive to work. Immediately after the accident, the other driver and I pulled off to the side of the road to exchange information. The other driver told me that he did not have car insurance but would pay for my repairs out-of-pocket. Now, I have a quote from the auto body shop

Question: I’m new to Las Vegas, and one of the first things I noticed was a large number of legal advertising — magazines, billboards, radio, TV commercials, it goes on and on. What’s the deal with that? And how is one supposed to choose a lawyer when they actually need legal help?

Question: I was recently bitten by my neighbor’s dog, and I had to go to the emergency room for stitches. I’ve known the dog, and his owner, for many years. While I’ve seen him growl and act aggressively, I’m not sure he’s ever bitten anyone before. Because of this, I don’t necessarily want to get the police involved, but I

Question: I was road-tripping to Los Angeles last weekend and got into a car wreck. The driver who hit me was fine, but I got pretty banged up and had to be taken to a local hospital via ambulance. Now I’m back home in Las Vegas, but I have to sort it out with the insurance company in California. Can

Question: My bankruptcy was just discharged, and I feel like I’m finally able to start living again after many years stuck in debt. Unfortunately, my credit score is low and I’m considered a subprime borrower by the lenders. What can I do to start rebuilding my credit score?

Question: When I was growing up, no one taught me how to handle my finances and it got me into trouble as an adult. Now I’m a father, and I want to teach my children good money habits so they won’t face the same problems I did. How can I do this in a way they’ll understand?

Failing to pay the minimum on your credit card bill, or failing to pay altogether, can have a slew of serious consequences, both in the long and short term. There are many actions that can be taken against you, and they can get progressively worse the longer you’re unable to pay.

Question: I am an experienced rider. A few months ago, I was riding my motorcycle home from work, and as I crossed over into the left turn lane, my front tire hit an unmarked rut in the road. I was thrown from the bike and wound up in the hospital with several broken ribs and other injuries. My medical bills

For some people, personal finance is second nature. Some were taught by their parents. Others were taught in high school as part of a class called home economics— long before home ec turned into a baking class. For many people, though, understanding how to budget, plan for expenses, manage, leverage and avoid debt is a mystery.