David Jacob received his B.A. from University of California-Berkeley in Political Science with Honors with a Minor in German. Mr. Jacob received his law degree from the University of Miami-Coral Gables graduating cum laude. Mr. Jacob has appeared in thousands of meeting of creditors for thousands of consumer debtors in the Central District of California-Bankruptcy Court. Mr. Jacob has represented both debtors and creditors in bankruptcies and adversaries defending and prosecuting millions of dollars in real estate loan controversies and represented debtors and creditors in Chapter 11 proceedings before the Central District of California-Bankruptcy Court. Mr. Jacob is a Certified Bankruptcy Specialist certified by the State Bar of California Board of Legal Specialization. Mr. Jacob served as an officer, director and as secretary for over a decade with the Central District Consumer Bankruptcy Attorneys Association and is a member of the Southern California Bankruptcy Inn of Court. Mr. Jacob is Of Counsel to the Firm of Havkin & Shrago in Woodland Hills, California.