1100 NW Loop 410, Suite 104
San Antonio, Texas 78213
Firm: Packard Law Firm
You work each and every day to provide a decent living for your family. Unfortunately, emergencies can happen, plans can change, and unforeseen circumstances can wreak havoc on your financial plans.
So what do you do? Maybe you start by "borrowing from Peter to pay Paul," but sooner or later interest payments alone become more than you can afford. You try to tread water for as long as you can. But once your home or vehicle is in jeopardy or you discover that you might get sued, you need real options. You need powerful options that will allow you to protect your most important assets. You need clear direction on what rights you have and the pros and cons about filing bankruptcy. You need to know what debts bankruptcy will eliminate, what debts it will reduce (and by how much), and how bankruptcy will affect your credit score.
Does all this sound familiar? Well, you’re not alone. Every year, nearly a million people in the U.S. file for consumer bankruptcy (either Chapter 7 or Chapter 13). Most of them, we've discovered, are honest, hard-working folks who have diligently tried to pay their debts. But due to unforeseen circumstances, they find themselves caught in the interest rate trap, without any realistic chance of escape on their own.
David has focused his practice exclusively on consumer bankruptcy law for over 20 years. He specializes in helping individuals, families, and small business reorganize their debts and has been board-certified in consumer bankruptcy for most of that time. He continues to file Chapter 7 and Chapter 13 cases in San Antonio, and his passion is to customize Chapter 13 plans of reorganization to help struggling families and individuals overcome financial obstacles.
David and his wife Emmeline have six children. The youngest four children live at home and attend school in San Antonio. David loves music, playing basketball, running, volunteering at his church, and spending time with Emmeline and the children.
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