PandA Law Firm Blog

Stop AI Robocall Collectors NOW! Legal methods to end debt collection calls! – PandA Law Firm AI robocalls from debt collectors? Learn how to stop them using the FDCPA and TCPA, plus Nevada’s all‑party consent rule (NRS 200.620) for recordings. Attorney Judah Zakalik walks through revoking phone consent, written validation, and what to save so you can sue for violations—often

Can I Be Arrested for My Debt ➡️ The Surprising Truth in 2025 – PandA Law Firm Can you be arrested for debt in 2025? Nevada attorney Judah Zakalik explains when arrests happen (and when they don’t), what to do if you’re sued, and how Nevada exemptions and garnishment caps (NRS 31.295; NRS 21.090; NRS 115.010/.055) protect income and property.

Merchant Cash Advance Defaults – 3 Legal Ways to Stop Daily Withdrawals – PandA Law Firm Merchant Cash Advance trouble? Learn 3 legal strategies to stop or slow daily MCA withdrawals: pause and reconcile against real receivables, challenge confessions of judgment and junk fees (see NRS 17.090), and use court protections—including bankruptcy’s automatic stay—when needed. This video uses Nevada law

Debt Consolidation vs Settlement vs Bankruptcy – Which Saves You More? – PandA Law Firm Debt consolidation vs. settlement vs. bankruptcy—which actually saves more in 2025? Attorney Judah Zakalik compares real numbers: interest costs, program fees, lawsuit risks, credit score impact, and discharge timelines. See why minimum payments at 25% APR can take years, while most PandA clients resolve debt

Why ‘National’ Debt‑Relief Firms Fail in Nevada: 5 Laws Only Nevada Attorneys Know – PandA Law Firm Why do national debt‑relief companies struggle in Nevada? In this video, Attorney Judah Zakalik, Esq., a Founding Partner at PandA Law Firm, explains 5 Nevada‑specific laws that out‑of‑state firms routinely miss—like NRS 11.190 (statutes of limitation), NRS 31.295 (wage garnishment caps), NRS 115.010/.055

Debt Relief 101: The difference between Lawyers and Debt Settlement Companies – PandA Law Firm Have you been considering a debt settlement company to tackle your bills? Before you sign on the dotted line, watch this video! Attorney Judah Zakalik from PandA Law Firm breaks down the key differences between hiring a full-service debt relief law firm and using a

You’ll Never Believe These 10 Famous Celebrities Filed for Bankruptcy! (Explained by a Lawyer) – PandA Law Firm Ever wonder which high-profile celebrities have filed bankruptcy? From rappers and reality TV stars to Oscar winners and legendary athletes—fame doesn’t always guarantee financial stability! Join Judah Zakalik, Esq., Partner at PandA Law Firm, as he reveals and explains the shocking bankruptcy

STOP! Don’t Touch Your 401(k) or Home Equity Before Watching This! | Debt Relief Mistakes Explained – PandA Law Firm Thinking of using your 401(k) or home equity to pay off credit card debt or personal loans? WAIT! You might be making a costly mistake! In this essential video, Judah Zakalik, Esq., founding partner of PandA Law Firm, shares critical

Triple Your Tax Refund to Crush Debt FAST – Secrets from a Debt Relief Attorney – PandA Law Firm Is your tax refund only making a small dent in your debt? Discover the secret strategy to TRIPLE your tax refund and eliminate debt faster than ever! Judah Zakalik, founding partner at PandA Law Firm—a leading expert in debt relief and

How the CFPB Shutdown Effects YOU – PandA Law Firm Worried about what happens now that the Consumer Financial Protection Bureau (CFPB) has been forced to halt most of its work? In this video, Judah Zakalik, a Partner at PandA Law Firm, breaks down the critical ways this shutdown can affect your finances, credit, and overall consumer rights. Here’s what

The BIGGEST Data Leak Of 2024 – Protect Yourself with PandA Law Firm Check if you’ve been compromised in the NPD Data Leak: 1. https://npd.pentester.com/ – only need to put in name, state and birthday 2. https://npdbreach.com/ – name + SSN or name + Phone To get a copy of all three credit reports once per year for free, visit:

Attorney’s Guide: Defending Yourself Against Debt Collectors – PandA Law Firm In this video, Judah Zakalik, Esq., one of the Founding Partners at PandA Law Firm breaks down Debt Collection Harassment and your rights under the FDCPA. Here’s a really quick summary: Debt collectors are not allowed to harass you and most consumer protection attorneys (including PandA) can help you

Avoid THESE Bankruptcy Mistakes and Save Your Home – PandA Law Firm In this video, Judah Zakalik, Esq., a Founding Partner of PandA Law Firm explains the impact of filing bankruptcy on your mortgage and provides crucial insights for homeowners facing financial difficulties. Filing for bankruptcy can feel overwhelming, especially when you have a mortgage to manage. Judah breaks down

The Secret Trick Attorneys Use To Settle Lawsuits – PandA Law Firm Facing a credit card lawsuit can be overwhelming, but ignoring it could lead to severe consequences like default judgments or wage garnishments. In this video, Judah Zakalik, Esq. Partner at PandA Law Firm breaks down the steps to defend yourself against credit card lawsuits. From the basics about

PandA Presents: Bankruptcy vs Debt Settlement! Which is right for you? – PandA Law Firm In this insightful video, “Bankruptcy vs Debt Settlement,” Judah Zakalik, Esq., Partner at PandA Law Firm breaks down the key differences between bankruptcy and debt settlement, helping you make an informed decision about the best option for your financial situation. Whether you’re drowning in debt

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

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.

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?

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?