PandA Law Firm, LLP

Focus and practice areas

Xenophon Peters and Judah Zakalik founded PandA Law Firm, LLP, a Las Vegas firm focused on consumer debt and property matters. The contact page also lists the entity as Peters and Associates, LLP. The firm handles debt relief, and that work splits into two tracks: debt settlement and consumer bankruptcy under Chapter 7 and Chapter 13.

Consumer protection is a second area. Here the firm handles credit repair under the Fair Credit Reporting Act, along with harassment claims under the FDCPA and the TCPA. Real estate covers loan modification, short sales, and foreclosure defense for homeowners. The firm also takes personal injury and civil litigation work.

Those areas share a thread. Debt, credit, and home ownership tend to collide in the same household, and a firm that covers all four can follow a client's problem as it moves between them. A bankruptcy filing can pause a foreclosure. A harassment claim can run alongside a debt settlement. The firm can carry several parts of one situation at once.

The attorneys the site names

Five attorneys appear on the firm's website. Three of them earned a J.D. at the UNLV William S. Boyd School of Law, so the bankruptcy side of the firm shares a common local grounding. In my opinion that consistency helps when the same court and the same trustees see the firm's filings again and again.

The founding partners

Xenophon M. Peters, a founding partner, earned his J.D. at UNLV Boyd and a B.S. at UC Davis. He is admitted in California and Nevada. His work covers bankruptcy and debt restructuring, including unsecured debt reduction and mortgage restructuring, and he handles personal injury litigation.

Judah Zakalik, the other founding partner, earned his J.D. at Seattle University School of Law and a B.A. at the University of Washington. He is admitted in Nevada. He works on debt relief, real estate, bankruptcy, and consumer protection, and he helps homeowners pursue loan modifications, short sales, and deeds in lieu.

Associates and attorneys

Jennifer Rigdon, an associate, practices consumer bankruptcy in the Las Vegas, North Las Vegas, and Henderson areas, with attention to debtor rights in Chapter 7 and Chapter 13. She earned a B.A. summa cum laude from UCLA in 2004 and a J.D. from UNLV Boyd in 2007. During law school she served as a judicial extern.

Elizabeth DeFlyer, an associate, has practiced bankruptcy law almost exclusively for over nine years. Her focus covers debtor rights in Chapter 7, Chapter 11, and Chapter 13. She graduated with honors from the University of Nevada, Reno in 2001 and earned her J.D. from UNLV Boyd in 2005.

Cam-Tu Dang, an attorney at the firm and a Las Vegas native, graduated from Lewis & Clark Law School in Portland, Oregon. She represents homeowners in foreclosure mediation, mortgage modification, and matters under the Homeowner Bill of Rights. Her practice also includes civil litigation, probate, simple trusts and estates, HOA redemptions, family law, and debt settlement.

Where the firm works

The firm serves clients in Las Vegas, Henderson, and North Las Vegas. It also reaches Northern Nevada, including Reno and Carson City. The firm can handle cases remotely by phone and online, which lets it work with clients across the state without an in-person visit.

How these matters usually proceed

Because much of the firm's work involves bankruptcy, a short note on how those cases run may help a reader weigh the fit. A Chapter 7 case asks the court to discharge qualifying unsecured debts, and it often closes within a few months once the filing and the meeting of creditors are done. A Chapter 13 case sets up a repayment plan that can run three to five years, and it lets a debtor keep property while catching up on missed payments.

Real estate defense runs on its own timeline. A loan modification asks the servicer to change the terms of an existing mortgage, and it can take months of document exchange before a decision. A short sale needs the lender's approval to sell a home for less than the balance owed. Foreclosure mediation, which Nevada offers to eligible homeowners, brings the borrower and the lender to the table with a neutral mediator. Cam-Tu Dang's work under the Homeowner Bill of Rights fits this part of the firm's work.

Consumer protection claims follow a separate path. FDCPA and TCPA matters turn on records of contact, such as call logs, letters, and voicemails that show how a collector behaved. Credit repair under the FCRA works through disputes filed with the credit bureaus and the companies that supplied the disputed information. As a reviewer, I read the firm's coverage of these areas as a sign that it handles both the harassment side and the filing side of a debt problem.

What a prospective client can verify

The firm's website states that it has served Las Vegas and Nevada clients for over 20 years, and it lists no specific founding year. Its public record centers on named attorneys and clearly stated practice areas, and its listed social profiles include Instagram, YouTube, LinkedIn, and Yelp. In my opinion that makes the listing straightforward to check, because the degrees, bar admissions, and subject-matter focus are all listed on the page.