David B. Packard was born on November 18, 1966 in Houston, Texas. As a young child, David spent his days playing with his brothers and doing chores on the 32-AC small family farm. When he reached high school, he started to come into his own. He was a good musician, playing first chair in the trumpet section and composing the senior class song, which was sung at graduation. He was the senior class president and earned his Eagle Scout award. He also joined the debate team and partnered with his brother Dan, where “the Packard debaters” became known as “the team to beat.” (Thirty years later, David and Dan are still together.)
After high school, David lived in Argentina for two years. While living in South America, he learned to love the people, the culture, and the Spanish language. He is fluent in Spanish and speaks the language every day here in San Antonio.
David excelled in college where he studied economics. There, he dated and eventually married his lifetime sweetheart, Emmeline Espiritu, who was pursuing her degree in nutrition. During this time, David also gained valuable experience working for a computer company, where he built hundreds of custom-made computers for local businesses.
After graduating from college, David went on to law school, where he became fascinated with bankruptcy law and how an attorney could design intelligent computer systems to help analyze legal issues and process financial information. David believed that, with the best tools, a lawyer could focus less on generating the paperwork and more on the people he represented. Remarkably, while David was still a law-student, he created a ground-breaking computer program that he would later use to file literally thousands of consumer bankruptcies on behalf of his own clients.
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.
- Brigham Young University, J.D. (1994)
- Brigham Young University, Bachelor of Science, Economics (1990)
Licenses and Certifications:
- Licensed to Practice law in all Texas courts (1994)
- Board Certified in Bankruptcy Law (2001)
- Licensed to Practice in Federal Court: Eastern and Western District of Texas