UPDATE: After 1 week of my discharge from bankruptcy, I was not only approved for a credit card, but also got approved to finance with an auto loan on a 20k car. After 2 months of my discharge, I was approved for ANOTHER CREDIT CARD for Capital One with no annual fee (All used to build credit). Please see below! I have been waiting for my whole process to be done to write this review, but it is finally worth the wait. Everyone at this office saved my life! Best bankrupt attorneys ever and they made the process so smooth. I first met with Xenophon Peters and he didn't BS on any info. Yes, there is a flat fee, but you get what you pay for! If you can't afford to pay the fee, they offer monthly payments!! But if your bankruptcy is time sensitive and your chapter 7 might turn into a chapter 13 due to your income, I would figure out a way to get it paid ASAP. After you pay the fee, there's paperwork to fill out and then you sit with an attorney and everything gets filed. (Make sure to have a list of all your debtors and how much you owe...it makes filing 10x easier.) Then you get your court date and an attorney will be there with you every step of the way. Jennifer was super helpful and despite her busy schedule, she always got back to me with answering any questions I had. Court was a breeze and it doesn't take that long. After your court date and all goes well, you get your discharge letter in about 2-3 months with credit card and medical debt completely gone! The whole process with this law firm was as simple as can be. Everyone is SUPER nice and helpful (even the front desk lady). I had a good feeling going in to trust them and now I'm glad I did. After my discharge, they give you a very detailed packet on how to rebuild your credit. I'm currently in the process of doing this now and I already got approved for a credit card! (Surprising as my discharge was this month) but these guys know what they're doing so I'm trusting them when they give me a detailed list of which credit cards to apply for, how long to wait till applying for the next one, what to watch for, etc. I am forever thankful for these guys!! Do yourself a favor and get out of debt if you're in a hole you can't dig out of. Bankruptcy is not as bad as society makes it out to be. YES, you can get approved for credit cards immediately right after to build credit and YES, you can get approved for car loan immediately. They say you'll have to wait 2 years before being able to buy a house, but all worth the wait. It's so easy to build back up your credit within 6 mo-1 year after bankruptcy. I will update with how my credit is doing after a year or so, but I wanted to get this review out to encourage others to use Peters and Associates because ever since the discharge, a huge weight has been lifted off my shoulders and I couldn't of have done it without them! read more

Debt relief / Bankruptcy Consultation Post-divorce I was left with a lot of debt. I heavily considered trying to track all of my creditors and settle them myself. However, it was extremely difficult but also I was warned that there was a lot of fraud that can happen. I wanted to reduce my stress but also protect myself. I started looking for law firms and it was extremely frustrating because a lot of them required you to leave your phone number and you have to wait for a call. I wanted to be able to schedule a consult online. Panda Law Firm was one of the few law firms that I could schedule a consultation online without having to give a phone number for them to call. I found them through Google. It was really convenient and I was able to connect with Vicki and Judah. They showed compassion and immediately gave me the impression that they had my best interest in mind. When Judah reviewed my situation, he did not recommend bankruptcy but instead recommended that they could help me with debt relief instead. Vicki was very thorough, they even found debt that I didn't know I had because the credit reports were very confusing. They gave me a quote for the services and gave me absolutely no pressure to make a decision on the spot. I waited almost 6 months to make the decision to retain them and start the process. When we started working, my case manager, Alyce was so professional and kind. Alyce gave prompt updates, provided clarification on the process and answered all my questions. Working with Alyce helped me make difficult decisions with confidence. Alyce evaluated the statuses of the different accounts and recommended which ones I needed to prioritize. I realized that there were things that I didn't know about and I would have easily missed them had I done this all on my own. Working with Panda Law Firm helped me with my stress and prevented me from getting more stress dealing with my situation. I also found myself settling some accounts for less than what I had expected. If I had done this on my own, I would have to trust what the bank/creditors said and I wouldn't have known any better (I would have been so screwed and taken advantage of). I highly recommend Panda Law Firm for anyone that is in the same situation as me. They were worth every penny because they gave me peace of mind that I was taking care of my debt and protecting myself from making mistakes or getting taken advantaged of. read more

We are seniors. In 2005, we purchased our home with the intention of it being our home for the rest of our lives. When the market collapsed, we lost our equity and were totally upside down, the value of our house plummeting to 1/2 of our loan balance. We tried to partake of the Federal programs and looked into every option that might allow us to stay in our house and, hopefully, to be able to finally live on our retirement income. After stressful years of seeking a solution, we learned about Peters & Associates. "Battle worn" and skeptical, we placed a call and our first contact via phone was with Scott. He answered our questions and explained the options that P&A could help us through. We then talked to Mr. Peters. What a relief and burden lifted to have expert counsel and representation and, as we found, a great team of experts to help us step-by-step, even as our circumstances changed over the 2 years in the process, to find the best solution tailored to our needs. We found the entire team to be helpful, diligent, caring, personable and understanding, as well as patient with a couple of old seniors who often asked the same questions more than once! Our main contacts were with Tony, whose expertise and counsel helped us through the process, and with Anna, who was so helpful and quick to handle and follow through and up on everything and respond to our emails. Through all the help and negotiations, we now have a principal reduction on our loan, a lower interest rate, and terms that are affordable for our fixed income and will allow us to remain in our home. We are so grateful and thankful for everyone on the team who helped us. Needless to say, we highly recommend Peters & Associates. read more

Shout out to the most amazing attorney ever!!! If you have a judgement or lein, we HIGHLY recommend Wes Villanueva with PANDA. I can't begin to explain the amount of stress my husband and I have been in the last 3 months having a garnishment hit for an outstanding judgment that was renewed. The original judgment was never served to him properly due to living out of state and we didn't find out about it until 5 years later when we tried to buy a home and it showed up in a title search. Heartbreaking! Having suffered a debilitating back injury in a car accident in 2008 resulting in three back surgeries inhibiting his ability to work, he had no choice then to surrender a truck back to the dealership. They said they'd work with him and sell it private party but they sent it to auction instead. Not going to get into specifics but it all boils down to "good things happen to good people"! We've worked hard since meeting and getting married in 2012 to rebuild our credit from divorces and the market crash, to be able to build a life together. This was the only thing hanging us up. The judgement expired in February of this year but was renewed without our knowledge, and then conveniently waited 8 months to garnish wages. Wes was extremely knowledgeable and thorough and found errors enabling him to get the Judgment vacated and all of our garnished money returned. If you are in despair over and unfair garnishment or judgment I emplore you to get a consultation with this fabulous firm. What do you have to lose?! Thank you Wes and Panda Law! You guys really are #1! read more

EMPATHY! HONESTY! KNOWLEDGE! EXPERIENCE! TRUST! CONFIDENCE! SUCCESS! A Complete Team of professionals that told me the truth and followed through with results. I walked into the office worried that I could lose my home. Never late on a payment in 12 years, and then the unexpected happened and I was left alone to figure it out. Upside down and one income...A friend referred me and I spoke with X and he gave me hope with the facts, I could keep my house and they would represent me and negotiate with the banks for me. Sixteen months later, I am so grateful for what has happened, Principle reduction of $91K on the 1st and total elimination of the 2nd $60K and $500 less a month mortgage payments. My case is closed. The All-In-One Package provided me daily access to every nervous question I had, answered and the confidence that they knew their stuff. Each stage of the process was communicated clearly and every employee from the front desk to the back office treated me so kind and respectful and everything worked out exactly as "they believed" it could. I am so thankful to the Lord, to Peters and Associates, and to X and the Team who personally helped me, X, Tony, Michelle, Larry, Anna, MJ, and Brandy. Thank you so much! I am telling everyone I know - we CAN trust, there IS hope, we just have to have the right people working for us - a team we can trust. God bless you all!! read more

I really didn't know what to expect from a law firm I first learned about via a call-in Las Vegas radio show, but after spending over 2+ years unsuccessfully trying to solely negotiate a loan modification and eventual short sale on my own I was desperate. Judah & his team--especially Kristen--worked absolutely tirelessly to resolve my case, and in just a few months my short sale was approved and both my 1st AND 2nd mortgage balances were completely forgiven! During this process my property also experienced severe water damage and P&A intervened to ensure that the repairs were made and that the insurance funds were properly disbursed to the contractors involved--thereby preventing the funds from being confiscated by the mortgage holder(s) who could have applied the insurance $ to my outstanding loan balance(s) without my knowledge. ALL of this for NO additional charge!! To this day, I still can't believe that a "saga" that took nearly 3 1/2 years to resolve is FINALLY over ONLY because of P&A Law. VERY reasonable flat-rate fee--no $urprises or retainer$--and worth EVERY penny!! Even more so, the sense of relief and peace of mind I am now able to feel is priceless. For all of this & more I will forever be truly grateful that I just happened to be listening to that call-in radio show one Saturday afternoon not too long ago :-) read more

So..my name is Branda. Last year as I was about to start my bankruptcy with Panda. My mom passed unexpectedly. It hit me extremely hard in unforseen ways. I went ahead and started the process with Panda. But from my mother's passing. I had an extremely hard time with getting everything on my end needed to complete the proceedings. I had a hard time with her loss and had other issues appear as a result of her passing. I kept in contact as best as I could. And Everytime I called to speak with my lawyer. I was ALWAYS treated kindly and with such compassion. From everybody I spoke too. So. With out me rambling on the whole story with my year of struggles.. Basically. It took me year to get my bankruptcy completed. Not because of Panda. Because I was going through so much. Loss of a parent. Expecting my first child. Struggling to find housing during covid. Working during covid. Yvonne and her team went out of their way to get things going for me. Patient with me. And helped me when I really needed it. I would not hesitate if I ever again needed their services. Such professionals. Compassionate. And worked really hard. And handled my extreme circumstances with ease. So I truly appreciate the hard work. And helping me get on a better course so me and my daughter can have a better future. Thank you. read more

My wife and I would like to send a message to anyone who is struggling with debt or other financial issues, we know first hand from experience what effect those issues have, tremendous worries, lost of sleep, constant phone calls and more. Please take a moment and pick up the phone and call Peters and Associates, the first consultation is free with an experienced attorney such as Judah, a partner in the firm. We know it's not an easy decision to make to admit that you need help and relief, but if you truly want to make a fresh start and make it the right way please talk to Peter and Associates, without a doubt they are the very best law firm to set the path to a new start. We made that choice and from the very start of our journey at the firm till now, we meet the most incredible people at the law firm, experienced, professional, and thoughtful. There is not one person that you encounter at the firm that will not have your best interest at heart and lead you through every step to help relieve you of your financial worries. To all those at Peter and Associates thank you again for all you have done for us, we now sleep at night, no phone calls, and we now can see those brighter days ahead. Best Regards to all. Anne and Kevin G. read more

I have had an excellent experience working with the bankruptcy attorneys at Panda Law Firm, specifically LaShanda Satterhwhite, Yvonne Simons, and Elisabeth DeFlyer. Each attorney demonstrated remarkable professionalism, compassion, and expertise throughout the entire process. They took the time to thoroughly explain every step, answered all my questions promptly, and made sure I felt confident in my decisions. LaShanda demonstrated clear communication skills, ensuring that clients are kept informed throughout the legal process. Yvonne is highly regarded for her meticulous attention to detail, particularly in document preparation and case management. Elizabeth brings a compassionate approach to client interactions and needs, making clients feel heard and supported during stressful times I truly appreciate their dedication and support, and I highly recommend this outstanding legal team to anyone seeking bankruptcy assistance. Together, this team creates a positive and responsive experience for clients, effectively addressing their legal concerns with competence and care. read more

I had debt due to credit card-related missteps and thus received a civil lawsuit that got me all nervous; so the first thing that showed was Peters and Associates (PandA) and I am very grateful that I found them because they were super knowledgeable, kind, professional and most of all fast! Everyone on their team was superb; case manager Joe was responsive and made me feel important. He is as compassionate as Atty Judah Zakalik who gave me a free consultation, told me what to do, got me the best deal possible that enabled me to sort out the problem fast and so now it's all done and gone! Just got the dismissal without prejudice and I am very happy to have worked with them! I am very careful with my finances now and do not intend to be a customer again lol, but I hereby declare myself a proud and loyal past client who will always recommend their services and be their friend any way I can since I had a great experience with them so I want anyone else with card debt problems, bankruptcy, etc to go ONLY with them! Thank you PandA for everything you guys are all awesome!!! read more

I am a local career musician who ran into a little financial hardship a few years ago. I got sued by a debt collector, it was very scary. I was completely over my head and having severe anxiety. After trying out several law offices, I walked into PANDA law firm and was intently greeted and led into a private meeting room where the owner, Judah, offered me counsel. 1.5 years later the debt is gone. I could not have done this without their help. PANDA is the most professional, helpful, and caring law firm you will go to. You are treated with respect, not like just another dollar sign. This was my first dealing with a real law firm, they have made a lasting impression on me due to the kindness and professionalism that was shown to me (among many many other things). I am not wonderful with writing reviews (I'm just a piano player), but please hear me when I say that I HIGHLY recommend PANDA law firm with ever fiber of my body. Do not sell yourself short. Would give more stars if I was able. Great work. =) -Michael Tuten read more

The world of law is full of attorney's who don't necessarily bring to mind the most positive of things. At Peters and Associates, from the moment you walk into their office, they're warm, friendly and you get the instant feeling that you're going to be in safe hands with them. I came in worried about a legal situation I was faced with, but Judah quickly resolved it for me and my worries subsequently disappeared; he was easy to reach whenever I had any additional questions or concerns, and it made me feel like he really cared. I can say with 100% confidence that the PandA Law Firm breaks any negative preconceived notions one might have (and indeed broke mine). They are extremely professional, courteous and do genuinely care about the welfare of their clients. Not only that, these guys are skilled and successful in obtaining favorable results for their clients. I would not hesitate to have either of the partners, Judah or Xenophon, represent me. You should choose PandA if you want a law firm with integrity to help you. read more

I hired Peters and Associates within days of an awful collision I had in August 2016. At first getting a hold of my case manager Greg was extremely difficult. He failed to reach out and never returned emails or phone calls. He would only contact me after I showed up or complained to his attorney/boss. Then after my case had sat accumulating dust for over a year, they hired an awesome attorney Danielle and an angel of a paralegal Maddy. Within four months of my case being transferred to them they had it settled and really good money in my pocket. I cannot say enough good about Maddy, she took my calls, my wife's calls, explained everything. I wish this had never happened, but Maddy put me at ease, made me feel better, and did everything to get it done. She is the kind of competent-get-it-done person you want working on your behalf. I'd definitely hire them again, this time I'd just ask for Maddy and Danielle right off! Thank you both for making it right, getting it done, and being there for me! read more

Due to an illness and loss of employment, I found myself facing financial difficulties. I contacted my accountant and attorney and both recommended I contact Panda Law Firm/Peters and Associates. After two consultations with Attorney Mr. Peters I knew I was going to be in good hands. After explaining my options in detail Mr. Peters and I decided it would be best for me to file Chapter 7. I was then placed in the knowledgeable, caring hands of Cathy B. Cathy was patient, supportive and took time to explain each step of the process to assure me a positive outcome. If I had additional questions or worries Cathy was always there to reassure me that the outcome of my claim would be a positive one. After a few months and Cathy's hard work the outcome was a positive one! Sorry for all the tears Cathy. Mr. Peters and Cathy treated me with respect, compassion and dignity and for that I will always be grateful. Thank you Mr. Peters and Cathy for helping me get through a difficult time in my life. Sharon S read more

My experience with Peters & Associates covers a period of eighteen months. In this time, we have completed five debt settlements, one short sale, and are currently working on mortgage modification. I will describe the final product in each case as professional, smooth and seamless. This may only be attributed to the caliber of personnel at Peters & Associates. It has been a pleasure to meet and work alongside Judah, one of the firm's Partners. Legal Assistants Rachel and Brandy handle the details and provide invaluable communication as each transaction progresses. Of course, it all begins by calling the office and listening to that special tone in Michelle's voice: Thank you for calling Peters & Associates. How may I help you? What separates Peters & Associates from other firms is when you present your personal situation, it is viewed not only through a legal prism, but also through the eyes of the client. This last thought is meant to be a compliment of the highest level. I thank you. read more

I had the pleasure to be recommended to Peters & Associates through a friend. After struggling with Chase bank for a year & using a realtor to try to short sale our rental property over a year we consulted with Judah. He listened to our issues & gave us several options. We decided a short sale would be a better option. He was very pleasant & straight to the point. These guys will tell u right from the beginning if they can help you or not. He had no problems with meeting with my husband & I or setting up a phone meeting any time we had a question. Not only are him & his staff knowledgable but very down to earth. After we got nowhere with the bank Judah handled everything. All the harassing phone calls stopped and our short sale closed Feb 20th! We are so grateful to him & the entire staff! We appreciate their hard word & dedication. We were treated like human & not a number. If u want a law firm that will give you results & honesty I highly recommend these wonderful attorneys! read more

I don't often write reviews, but today I had to pop on and give a hearty "Thank You!" to everyone over at PandA. You see, I hired Peters and Associates years ago to handle my loan modification, bankruptcy, and eventual short sale. I was nervous the whole time, but the staff handled my situation with kid-gloves and walked me through my fears. My biggest fear was that after bankruptcy, I wouldn't be able to buy a house or car again. I was wrong! I bought a car shortly after my discharge, and even qualified for a FHA 3% down loan about 2 years later. Well, today, I hit a new milestone, which is why I decided to write: My credit score (my REAL credit score, FICO by Navy Federal) hit 803! I think this is the first time in my lifetime that I've been over 800 in my entire LIFE! My bankruptcy is still reporting for a couple more years, but 803! Wow! Anyhow, huge thanks to Judah, X, Michele, Jenny and the rest of the staff over there! Love you guys! read more