Awesome job my car accident
God Bless

I am very unhappy with Panda Law. They advertise free consultation and today when I called to schedule that FREE CONSULTATION I was told the free consultation was only for bankruptcy cases and it would cost $100 for the type of constitution I need. This is false advertising and obviously I'm very disappointed, also the girls who answered the phone were very rude to me when I mentioned their ad did not specifically say that the free consultation were only for bankruptcy. I only gave 1 star to write this post. BUYER BEWARE & SHAME ON YOU PETERS & ASSOCIATES....AKA PANDA LAW!!!!!!

Best Firm in town.

They are nice people, you can't go wrong with them.

I’m a veteran, disabled, seeking help in saving my home from foreclosure and IRS tax liens. I regretfully selected this firm. Today Mr. Peters arrogantly belittled hourly employees, specifically IRS employees, making $ 12.00 hr as incompetent and undeserving of his staffs respect. I find this man and his advice to be despicable and unworthy of my respect. My case was handed over to his tax attorney in his office. She was also extremely condescending at her best, and belligerent and rude at her worst. The arrogance was overwhelming and began immediately following my Ch 13 fees being paid in full. If humiliation is what you want in solving your financial difficulty, X Peters and the condescending arrogant J are your team. My case will ultimately need to be dismissed, I will immediately face foreclosure, and resume “offer in compromise “ negotiations with those same $12hr IRS employees that Mr X Peters so blatantly disparages. I will do this now without representation.

My case is complex, well beyond the “boiler shop” capability of Mr Peters sophomoric legal team. Today, Mr. Peters also looked me in the eyes and blatantly lied about offering me a full refund after realizing the complexity. What he offered/advised was to convert from a CH 13 to a Ch 7 and agreed to waive those additional CH 7 fees. CH 7 would require liquidating and selling my home, the precise reason I retained Mr X Peters with the promise, and the hope of saving my home.

Mr Peters statement today was that he had gone above and beyond what his firm had been hired to do. I’d normally find this statement amusing, if the cost and the ramifications to my family weren’t quite so devastating.

The reception and paralegal, the only views of employee courtesy and compassion, thanks Gus and Michelle. My advise to the reader; Walk away, walk away now. Trust me he’s not worth your time and your $12 hr hard earned money.

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.

Judah is a great lawyer and an even better man he's down to earth and treats people how they deserve to be treated no matter what your going through , the legal assistance and customer service is great and I feel good spending my money with this company for desired results thanks again from my family. Happy holidays

my husband and I are going through the process and are a little late on paper work and running out of time, but Gus is taking car of it. They have made me feel confident in my decision to go through PandA

I don't often write a review -- only when the service is extraordinary or deplorable -- and in this case, it was the latter. First of all, going to see a bankruptcy attorney is like going to a doctor. It is extremely uncomfortable and embarrassing to tell a stranger about your finances and circumstances or your ailments and no one wants to go, but sometimes you have to. Your best hope is that the doctor has a great bedside manner and is personable, caring and compassionate and has a genuine love of people and career. The same goes for a lawyer because if they do, they can put you at ease and heal you. If they don't (and most don't), they listen to a few seconds of your story, interrupt you, rush you through so they can get to the other 10 people with the same appointment time as you who are waiting for them in the next room and then bill you $600 for a comprehensive examination or consultation. What makes it so uncomfortable is that you are trying to make your situation better and they are trying to make as much money as possible in the smallest amount of time and with as little effort as possible. You end up feeling dismissed, unheard, and YES -- cookie-cutted --but billed as if you had taken hours of their time and been treated like a VIP.
The commercials for Peters and Associates imply that they genuinely care about their clients and they are unlike other firms because they are willing to educate their clients as to alternative debt solutions other than bankruptcy. Because of this, I chose them for my consultation as I had many questions and was undecided about the best solution to my unique circumstances. I fully expected the attorney to be compassionate, caring and informative as to what options I had to work with. Unfortunately, I got the complete opposite. I met with Xenoff himself dressed in his fancy suit inside his hard-to-find shopping center office with car lot flyers outside and pandas everywhere inside. He led me into the conference room, asked me about 3 questions, let me tell about 3 seconds of my story before interrupting me and announcing his fee of $2000, put his pen and pad away and kept looking towards the door. When I told him I felt that he had quit listening, he said he had somewhere to be and told me I should probably go to legal aid or something. He was condescending, arrogant, rude and dismissive. It was obvious he was "all about the money" and NOTHING ELSE. It took me 35 minutes to get there from my office and I was a few minutes late for my 5:30 appointment. It also took me 35 minutes to get home and I was home by 6:20...so what does that tell you? It was the WORST experience involving a lawyer I have ever had and I work with them every day and have for 20 years. As I left, I felt that he was the perfect picture of why they call lawyers "bottom feeders.
Afterwards, I thought that instead of a Panda as their mascot, they should have chosen a SHARK because it would have represented the experience more realistically. My recommendation - GO TO ANYONE, ANYWHERE, but AVOID THIS MAN AND HIS FIRM.

Although I chose not to hire Mr. Westley Villanueva of PandA I found his vast knowledge helpful. I really appreciated his honesty. After a short consultation one can see why he’s so good at what he does. I came in there concerned but with an open mind and left with nothing else but confidence. Thank you Mr. Westley that was the best conversation I’ve had about debt ever.

Best Regards!

I had a fantastic experience with the panda guys. Everyone was very helpful I filled a chapter 7 . Cleared my credit and my score went up.. very happy... you guys are awesome ....

False advertising. Talk a good game but they are clearly lacking skill and professionalism. Grant is a joke. He shouldn't be allowed to interact with the public. Unimpressed. Cool commercials tho

My husband went here in regards to services to improve his credit. Westley was very professional and honest. He could easily have charged my husband in areas he didnt need....but didnt take advantage. I would recommend to everyone.

BEWARE of any Law Firm or Attorney who claims to be the best. Consider that a big red flag ! These guys didn't get the job done. Very disappointing....

Had no problem taking my money for chapter 13. I had 2 do most of the work including 6 diffrent times having to print out the same bank statements and pay stubs because they misplaced them means there's piles of my paperwork floating around there office. Also good luck trying to get any answers not very good at picking up the phone and even worse at returning calls its my fault i made the choice to hire them it just wasnt a very good choice

2019: as someone that has filed chapter 13 i am required to give a copy of my taxes every year to the trustee. I am supposed to give it to my lawyer who fills out any required paperwork and then sends it to the trustee. And for the last 3 years i have received a letter from the trustee threatening to cancel my bk 13 because they havent received a copy. All 3 years i sent it to these guys first year they claimed paperwork got lost last year they claimed the paralegal quit and didnt do it and here we are 2019 just checked my mail and a letter from trustee saying same thing a month after i sent it to these incompetent lawyers panda law more like a autistic panda

Filed for bankruptcy thru them. This can be a very stressful thing. Had my consult with Mr. Judah Zakalik. He went thru the process with me start to finish, pretty cut and dry. Wasn't this big extensive process I thought it was going to be. Receptionist is very friendly, very professional and courteous. My case manager was very helpful, always available for me & my questions. While I never saw Judah after that, my attorney, Jennifer, and the attorney that showed up to court were just as pleasant, helpful and wonderful to work with. I would use their services again.

I’ve visited peters and Associates about a year a ago, I was on the verge of Bankruptcy. I had left landscape industry because of my job. I couldn’t stand my boss any longer, my bills piled up after I quit and I owed close to $45,000 in CC debt. The attorney I spoke to that day, I’m sorry I forgot his name, started with an X, very nice young man. He asked me what I used to do for a living and how much money I made doing it. I told him I used to make $150,000 a year in the landscape industry. He told me to avoid bankruptcy, just go back to work and get out of debt. That same day while in the parking of the law firm I made a phone call to a new potential landscape company to work for, and I’m happy to say that after a little more than a year now, I’ve been working steady for my new company. I have a great boss, I make well over $200,000 a year now, and I actually have zero debt on all my credit cards, my credit FICO has increased and I have more available credit now than ever before. All because he didn’t suggest me go bankrupt, instead he encouraged me to go back to work in a business that best suited my talents, and to a business that I made more money. This to me was a young man with integrity. He looked out for MY best interest NOT his.
Thank you Panda team,
Franco V

DONT WAISTE YOUE TIME! I called and the guy was HORRIBKE.. was talking over me and wasn't willing to listen to anything ! Again DONT DO IT! Horrible

Went in for a free consultation and got awesome help/advice from Mr. Peters. Thank you for helping out this nervous wreck.

These guys a gift from God. Trust me on that!

Best in Town

Cool beans

Decent representation at a decent price. Not so good on follow up though. Ok service during.

Sound advice. Free consultation and professional courteous service. Judah met with us personally and went over our options and answered ALL of our questions and gave us great insight on different scenarios.

My husband & I were not very happy with Mr Peters office. He was in a rush & not very informative. He'd talk in legal terms like we're suppose to tunderstand the legalities. He was also charging $300 more than anyone else. If I didn't ask the questions, he had not much to say. It's impossible for him to have gotten this many great reviews.

Scott Chatley at Peters and Associates has been very helpful as I have navigated trying to purchase a short sale property. He was very forthright in letting me know the boundaries that they could not cross as I am a buyer and they have to represent the seller. I talked with him multiple times just to gather information about their process and each time he was very helpful. I would not hesitate to use their services in the future.

PandA changed my life. In 2011 I called PandA. I was at the end of my rope. I owed so much in credit card debt and other bills that I couldn’t see how I could ever get my head above water. One credit card alone had grown more than 10 times the amount I was approved for just in fees and penalties alone. When I say I was at the end of my rope I am not being dramatic. I really thought about ending it all. I couldn’t answer the doorbell. I couldn’t answer my phone. I couldn’t breathe. I remember crying and pleading with a creditor to allow me to pay 3 times the amount of my actual charges (what I had actually spent on the card) instead of the nearly 10 times the amount they wanted due to fees and penalties. When they refused I didn’t know what to do. My cousin offered to loan me 3 times as much as I spent to pay off the bill but she had no more to offer. She mentioned bankruptcy and through Google I found PandA.

I don’t know why the thought of bankruptcy terrified me. But, I have to say it was THE best thing I could have ever done. PandA really took care of me in red-carpet fashion. They made sure I had all my papers in order when we went to court. I remember others standing before the Judge with their attorneys from other firms and the Judge ordering them to return on another date with additional information. When it came to my turn, the Attorney PandA assigned to me was really on the ball. Every time the Judge asked for additional information she had it there and ready. During my time in court, my attorney and I were the only ones who did not have to come back with additional paperwork.

Since then (it’s now 2016), I have lived COMPLETELY debt free. I still have my mortgage because I kept my home. But, I have NO OTHER BILLS. I DON’T USE CREDIT… FOR ANYTHING. I don’t even own a credit card. I have several debit cards with Visa and Master Card logos. But, if the money is not there already I can’t buy the items. The credit card companies send me pre-approved cards in the mail almost daily. They go right in the trash. No thanks!

Oh and one other thing, PandA also started me on a totally new career. Because I have certain skills, in appreciation I had made PandA one of my items. I was pretty proud of it. I was planning to give them the item free of charge just to say, “Thank you”. I called the office just to get some final information and the person I spoke with would not give me the information I needed to finish the item because, he said, the attorneys would not want what I made for them. I was already feeling pretty down about myself, at the time, so I just went away feeling my work wasn’t even good enough to give away for free.

THEN I told my story to someone online who asked me to offer the item as a template for others to use. After selling 2,500 of them I thought differently about work and myself. Since then I have built a business making more and more of those items. Had it not been for PandA I never would have done that. Had it not been for PandA I probably wouldn’t be alive. I am posting this review online wherever I can because my friends, family and neighbors are sick of hearing it.

I figure if I post it in several places more people will see it and it may help someone to make the decision to call them. For me, it was the best call I have ever made. For years I have even been telling this story to everyone I know and even to strangers in line at Walmart. I’ve said it to everyone except to PandA. If I could, I would like to say to them, “Thank you for my new career. Thank you for changing my life. And, thank you for saving my life. “

They provided me with invaluable advice that really helped my situation! Very nice to give me that feedback even without me needing to retain them.

After many sleepless nights and worry we finally decided to see an attorney. Judah you are the best. We were told not to worry and that they could help. We were given very acceptable and practical advice. Everything was explained so that we had no surprises. The only surprise we got is that we are now out of debt.

The staff at P & A is wonderful. We would especially like to thank Hannah for her most diligent work. She is wonderful. Calling us to explain what creditors were doing or offers made. She has made all the difference for us.

Thanks also to Michelle. She is very professional and makes you feel right at home. This was the best decision we made. Now I know that things are taken care of we can enjoy our life.

Everyone at this office from Michelle at the front desk, to my attorney Judah has been extremely dedicated to providing me with excellent service. Tanya, Brandy our mediator and the entire staff treated my family like we were their most important client, and worked tirelessly to save our home. I can not thank you enough for what you have done for us!

I spoke with Anthony Locorriere about getting a loan modification and he was very helpful. I tried doing it myself but to no avail. "Tony" as I was told to call him was very kind and spoke to me like I was a good friend of his. I will recommend Peters and Associates to everyone I know who needs help!

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.

My husband and I want to thank Anthony Locorriere and Peters and Associates for all the help we received with our Home Modification . Our mortgage payments were so high and we're in fear of losing our home. With all the hard work and dedication of Anthony Locorriere, our montly payments were cut more than half, and our interest is very low. Now that our modification is completed, we are able to make our payments, save our home and most important sleep at night. Anthony Locorriere gave us peace of mind and our life back. Thank you very much, we couldn't done it without you.
Ana and Doug Eaton

Worked with Tony Locorriere on getting a home modification. I tried to handle it myself and kept getting the run around. He was able to keep me in my home and secure a modification for me.

Thanks Tony

If there's anyone you want negotiating a loan modification on your behalf, it's Tony Locorriere @PandA Law Firm. I lost my job and fell way behind on my mortgage. The bank was both unsympathetic and unreasonable in their responses to my efforts at obtaining a loan mod. so I hired a well-known law firm but it wasn't long before I realized I was wasting time and money w/them. Got zero results and had about given up hope of saving our home from foreclosure. That's when I heard about PandA. By then I was ridiculously behind. Tony very quickly made sense of a complicated situation and got us our loan mod. cutting the previous payment to less than half. This, of course, took time but everything unfolded just the way Tony said it would. I found the entire staff there to be totally professional, friendly and stress free as well. Thanks again Tony...

I want to say Thank you to Tony and his staff over at Peters Associates thanks to them I got to keep my house. They have helped me out a lot Thank you.

Anthony Locorrire and the other staff members at PandA have helped not only me but also my family through this tough situation that we were placed in. They have been there and helped guild us through every step and process that we have undergone. They have made sure that we were apprised of every step that they were taking/ going to take and kept us constantly in the loop, making sure there were no "unexpected surprise" throughout this process. Again thank you to Anthony and the rest of the PandA family for helping us through all that has been going on. J&J Heard

My Experience with Peters and Associates has been very pleasant. Talking to them is like having conversation with best friend not an attorney. They listen to your problems like family. They made me feel calm and more secure. I take comfort in knowing that Their President Mr. Tony Locorriere has always been available to address my concerns and has made this Experience painless and Successful.
I would Recommend P&A anytime to Everyone!!!

Sincerely,
Marek and Family

I think they were very efficient and knowledgeable regarding my bankruptcy They did every they said they would do. I would recommend them

Tony, my husband and I wanted to thank you and your staff for handling our shortsale so efficiently.
We are so thankful and blessed that we were refereed to you by Martin.
Tony, your extraordinary expertise in handling our case was particularly impressive. We can confidently say that you and your staff are truly knowledgeable and honest people, and you do handle every case as promised. Special thanks for the time you took to listen to our concerns and answer all our questions so patiently and professionally. You made us feel hopeful when we felt like there was no hope..!!!!
Job well done !!!!
I refereed my family to you, and I continue to hand your card with complete confidence to every person who needs help with their home.
Once again, we can never thank you enough, and I must conclude by saying that your expertise, kindness, personality and knowledge cannot be described by words!!!!....
Thank you, Dia and Met.

Joshua & Christy Igeleke
Peter and Associates has done the impossible for me and my family. Attorney Judah Zakalik, Tony Locorriere and their staff Michele the receptionist and Vorice work together to make the impossibe happen for me and my wife with our Loan modification. They save our Home from underwater, foreclosure and short-sale. they gave us our dream back, the American DREAM. The mortgage Company select Portfolio Servicing gave us $213,393.40 principal balance permanently forgiven out of $403,393.40 of our mortgage. This became a dream realization due to the hard work of my attorney Judah Zakalik of the law firm of Peters and Associates.

They are the best in helping Home owner savage their home from the depth of the deep sea of mortgage dead ocean. They save mine from underwater and placed my family over the water with $213,393.40 Principal Balance permanently forgiven from our mortgage debt.
Don't be deceive by firms or companys that will promised you of saving your home from the Bank. I have one that promise and kept their promise Peter and Associate Law Firm. They work hard for you to make it happen. Do you want to realize your American Dream. call Attorney Judah Zakalik Esq. right now.

I usually don't write reviews but PandA deserves one!

I used Peters & Associates for 2 loan modifications and they did a fantastic job! Tanya and Judah helped me reduce my mortgage payments and were able to lower the principal balance and end up saving me a lot of money, AMAZING! They were also able to reduce the mortgage payments for my parents house in Florida and saved their home from foreclosure.

Very good communication and fun to deal with. You never feel alone and they really come thru!

Don't look further, there can't be a better law firm out there, trust me!

Tanya, Judah and the rest of the team....You guys ROCK!

I had fought with Indy Mac (One West Bank) for over 5 years, trying to get some sort of mortgage reduction, HAMP Plan, or principle reduction, as they kept mailing me these advertising offers saying that these plans were available to me, and I was always "Pre-Approved". Well - ha ha ha ! Nope........

All they did was waste my time, month after month, year after year. The bank played every game in the book to keep putting me off. I especially liked their famous line where they say that "you ARE eligible, but must be 3 months late on your payments before they can proceed with the Loan Mod."

So I would stop paying and then call them 3 months later and the same lady would say "oh, you're NOT eligible because you are 3 months late" !!!! Yes, these things really do happen. They played every trick in the book - lost my documents, seemingly never had any paper in their fax machine, sometimes they said they "never heard of me", nor my loan #. Then, they were taken over by the Feds, who immediately lost all my paperwork. Then One West Bank finally bought them and I had to start all over again. I must have literally 9 FEET of document boxes from all of my forms and communications from dealing with these people over the last few years

So I finally almost got totally fed up, and was just going to bail on my house - but I really wanted to keep my home, as I have lived in Vegas for over a decade, and had done a lot of personalized improvements to my home by myself over the last decade. I did not want to move and start over, if I could possibly afford to stay where I was.

I had previously been screwed by another firm who "promised" they would get my loan modified, but all they did was take my money, they did nothing for me, and then skipped town. Nice....

So luckily, last July (2012) someone gave me a referral for Peters & Associates, saying that they specialized in Indy Mac Loan Mods and they knew people who they had helped - that they were the "real deal". So of course, I was suspicious, having gone through all of the above for 5 years, but called up and made the appointment with Xenophon anyway. At that point, I figured I really had nothing to lose, and this was going to be my last attempt to try save my home.

Xenophon was very professional, and clearly explained all my options and the various ways they could help me. I felt very comfortable with him and his entire staff was totally professional throughout the whole procedure. THEY EVEN ACTUALLY CALL YOU BACK !!!! Which, if you have ever dealt with other Vegas attorneys, is a real rarity ;o)

Xenophon, Tony, Tanya, Michelle and all their other staffers were always very knowledgeable and they kept on my case for almost 8 months. They got me a Trial Loan Mod, which I went through, and the bottom line is that they also got me a $249,000 principal reduction (yes, you read it right), lowered my monthly payment by almost $1500, and I did not have to actually reapply for a new loan (my existing one was just modified by just a short document listing the new terms). AMAZING !

I would totally recommend using Peters & Associates for any Loan Mods or Principle Reductions that you need. You will NOT be disappointed. They are very straightforward, knowledgeable and honest - attributes that you do not find in many other law firms here in Vegas. My advice is - go for it - and give them a call. I am living proof that this sort of thing IS ACTUALLY POSSIBLE, when you have the right law firm representing you.

As Conrad Hilton famously said - "Success seems to be connected with action. Successful people keep moving. They may make mistakes but they don’t quit."

So best of luck to you all - don't give up :o)

I spoke with them regarding a short sale after speaking to a few other attorneys. I felt a little pressured to come in and sign a retainer. More so than that, the services being offered I found elsewhere for free. I didn't need an attorney for a short sale.

We went to see Atty. X Peters when we went to Vegas and we were surprised that it was a short notice and he was available to meet with us. We have received the letter from B of A about the Department of Justice program saying that we qualify for a principal reduction. He saw the letter and told us that we will definitely get this program so we might not need his services, at that moment we saw his honesty that he iwas there to help. After months of submitting everything with B of A we were rejected, and we called him 5 days before the Trustee Sale, X and his staff worked double-time to save our home and after 4 months we finally received a phone call from his staff Tanya saying that we were approved for a loan modification with a principal reduction of $274,000. Wow! we cannot believe it, but one thing is for sure, this company knows what they are doing and they really help a lot of homeowners struggling to save their home. I will definitely recommend and my mother in-law's 5 family friends that she has referred to them had been helped. Thank God for X and his staff! They are awesome and professionals!!!!

I RAN INTO HARD TIMES AFTER A WORK INJURY AND COULD NO LONGER PAY MY CAR NOTE AS WELL AS A FEW OTHER MAJOR EXPENSES. I OWED OVER 19,000.00 ON MY CAR, WAS MORE THAN 4 MONTHS BEHIND, PUT A LOT OF CASH DOWN AND WAS BEING STOCKED MY THE INFAMOUS REPO MAN! NOT THE BEST OF TIMES I'M EMBARRASSED TO SAY! JUDAH, TREATED MY SITUATION WITH DETAIL, A KIND EAR AND UNDERSTANDING DEMEANOR. HE CALLED THE CAR COMPANY FOR ME AND NOT ONLY GOT RID OF THE SCARY REPO MAN, BUT HE NEGOTIATED A 3RD OFF OF MY CAR BALANCE!! NOW MY CAR ACTUALLY HAS EQUITY AND I OWE LESS THAN WHAT MY CAR IS WORTH! THESE GUYS REALLY KNOW WHAT THEY ARE DOING. I FOLLOWED JUDAH'S INSTRUCTIONS AND REAPED THE BENEFITS OF HAVING A KNOWLEDGEABLE ADVOCATE ON MY SIDE. IF YOU LISTEN TO WHAT THEY ARE TELLING YOU TO DO, IT IS IN THEIR BEST INTEREST TO LEAD YOU IN THE RIGHT DIRECTION. NOW I SEND EVERYONE WHO NEEDS HELP TO JUDAH AND THE FOLKS AT PETERS AND ASSOCIATES!

Peter and Associates negotiated a rate reduction with Flagstar Bank on an investment property after my loan came due and after multiple failed attempts to refinance the loan with the bank. Peter and Associates was not only able to reduce my interest expense but also fix the loan for 30 years. The attorneys at Peter and Associates have the most experience working with banks. I would highly recommend their services.

We have been battling with Bank of America regarding the modification of our home for 4 years, since our once thriving business (pool service) took a nose dive into the deep end with no water.

Peters & Associates just ended that battle for us and WON. I mean they WON big time.

We had Country Wide and then it went to Bank of America. We tried to modify, short sale, give it back...we didn't know what else to do. While in the short sale process Bank of America turned down 3 CASH offers for our home. They were threatening forclosure monthly. We had multiple sale dates for auction.

Last year we went to Peters & Associates, on the recommendation of our neighbor who just received their modification and principle reduction because of PandA, and met with Judah. Judah listened to all of our concerns and helped us figure out our options. He and his team worked vigorously to get all of our documentation together. Every month Vorice would call and give us our list of documents that B of A was asking for. It seemed like such a hassle. We were so nervous not knowing if we were going to have to move or not. But Peters & Associates kept us assured that it will pay off in the end.

We received a FedEx package yesterday and we thought that it would be like every other FedEx we get from B of A (they want more paystubs, P&L, bank statements, blood, first born!!!) But it wasn't. It was an approval package and 3 envelopes. The letter stated that we have been APPROVED for a loan modification and principle reduction. They dropped our once $3,000.00 + house payment to $1400.00. And, here is the part that made my heart skip a beat, they dropped our principal down by the amount of $300,000.00! No need to blink your eyes, you read that right...$300,000.00.

Because of Peters & Associates, not only do we get to keep our house but we get to keep our dreams alive. Thank you PandA for all of your hard work. We owe you something special for saving our home.

Thank you to Peters and Associates and Judah Zakalik for helping us save our home. They saved us over $300,000 in principal reduction and secured a loan modification with Chase bank. Prior to using Peters and Associates, Chase Bank was difficult to deal with and they wanted to foreclose on our home. The foreclosing procedure was stopped, the people of Peters and Associates were easy to do business with and they brought a passion to our situation in dealing with Chase that we were not abe to do. I highly recommend Peters and Associates to help you with a loan modification or foreclosure as they kept us in our home and reduced our monthly payment by $1950 a month.

My husband and myself have been working with Judah since the Start of the year. we had previously gone to another attorney firm who told us we could only file bankruptcy and advised us on other things we needed to do to set that up. Ultimate costing us more money and getting us in further trouble. Then sending us a bill $100 for a 5 minute conversation just clarifying what had been said. Something really didn't feel right so we turned to Judah and his wonderful team as a second opinion. Judah took time to sit with both me and my husband numerous times really explain things and giving us options. Told us the process's of all the options that he could see. He has held our hand through this entire mess. From my prior experience I feel confident that he and his team are on our side. Making sure we understand the choices and what will happen through each of them and clearly setting the cost with no hidden fees. We are in a way better situation. Neither of us feel like we are chasing anyone to understand that we have been mislead in any direction just for them to making a dollar (which we did with the other lawyer). The compassion and understanding for our situation is very apparent and I don't feel like just a number or a monitory figure for them. I feel that we have understanding of our situation. They have saved my business and helped put our personal stuff back on track. I have referrer others friends and clients to them confidently knowing that they will be looked after. I know now that I have a team that i can turn to for advice guidance clarity and ultimately they are looking after my best interest.
Thank You Judah and your Team

I have been using Peters & Associates going on four years.Soon after my father past my mother had financial difficulties,creditors did care about my mothers loss or her health which she just had a severe stroke.I called Mr. Zakalic and he assured me that he could help my mom save her house from forclosure and get the creditors off her back.Not only did he get the creditors off her back he got her loan modified by $600.Since then I have referred numorous family and friends to there firm and none have left dissatisfied.Thanks for your help and guidance in these hard times I know I can count on Peters & Associates......6/28/12

I WENT THOUGH JUDAH ZAKALIK CAUSE I NEEDED TO CLEAR OUT MY CREDIT CARD DEBT AND HAVE MY HOUSE MODIFIED.I ASKED JUDAH WHICH ONE SHOULD I DO FIRST GET MY HOUSE MODIFIED OR MY CREDIT CARD DEBT AND HE SAID THE CREDIT CARD DEBT THAT THERE WAS A LITTLE CHANCE OF LOSING THE HOUSE WELL A FEW WEEKS WENT BY AND I GOT A LETTER IN THE MAIL SAYING THAT MY HOUSE IS GOING TO BE TAKING AWAY FOR NOT PAYING KEEP IN MIND JUDAH TOLD ME TO STOP PAYING THE HOUSE BILL.I WENT TO HIS OFFICE AND ASKED IF HE COULD GIVE ME SOME OF THE MONEY BACK OR ALL AND HE TOLD ME NO THAT I ALREADY SAW HIM 3-4 TIMES,I ONLY SAW HIM 2 TIMES.HE KNEW ABOUT THE HARDSHIP I WAS IN BUT HE SHOWED NO COMPASSION TOWARD ME.ON THERE WEB PAGE IT SAYS PANDA CARES IF THEY REALLY CARED JUDAH WOULD OF GAVE ME MY MONEY BACK BUT UNSTEAD I'M IN THE MIDDLE OF GETTING MY HOUSE TAKING AWAY.I WILL NEVER GO THROUGH THEM AGAIN!!!