Anthony, Texas Bankruptcy Lawyers

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Scott Alan Vogelmeier Esq
El Paso, TX Bankruptcy Lawyer
(214) 755-8318 6793 Pearl Ridge Dr
 El Paso, TX 79912
Bankruptcy, Business, Criminal and Real Estate
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Sidney Joseph Diamond
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El Paso, TX Bankruptcy Lawyer with 54 years experience
(915) 532-3327 3800 North Mesa
Suite C-4
 El Paso, TX 79902
Bankruptcy
Baylor University School of Law
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W. Matt Watson
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El Paso, TX Bankruptcy Lawyer
1123 E. Rio Grande
 El Paso, TX 79902
Bankruptcy
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Carl T 'Carl'Johnson
El Paso, TX Bankruptcy Lawyer with 51 years experience
(915) 565-4669 4530 Montana Ave
 El Paso, TX 79903
Bankruptcy and Consumer
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Cheryl S Lay-Davis
El Paso, TX Bankruptcy Attorney with 21 years experience
(915) 565-9000 5539 N Mesa St.
 El Paso, TX 79912
Bankruptcy and Consumer
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Salvador Ramirez
El Paso, TX Bankruptcy Attorney with 43 years experience
(915) 771-8525 5959 Gateway Blvd W
 El Paso, TX 79925
Bankruptcy and Consumer
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Bud
El Paso, TX Bankruptcy Lawyer with 36 years experience
(915) 584-3773 6006 N Mesa St
 El Paso, TX 79912
Bankruptcy
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Donald Leslie
El Paso, TX Bankruptcy Lawyer with 54 years experience
(915) 565-9000 2731 Montana Ave
 El Paso, TX 79903
Bankruptcy
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James Kerby Jopling
El Paso, TX Bankruptcy Attorney with 22 years experience
(915) 541-6099 711 Myrtle Ave
 El Paso, TX 79901
Bankruptcy, Business and Construction
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GABRIEL RICARDO
El Paso, TX Bankruptcy Lawyer with 14 years experience
(915) 533-9718 1413 Montana Ave
 El Paso, TX 79902
Bankruptcy and Administrative
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Michael Shane
El Paso, TX Bankruptcy Lawyer with 22 years experience
(915) 545-1133 4695 N Mesa St
 El Paso, TX 79912
Bankruptcy, Business, Collections and Consumer
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Samuel Sipes
El Paso, TX Bankruptcy Attorney with 49 years experience
(915) 587-5222 6006 N Mesa St
 El Paso, TX 79912
Bankruptcy, Business and Real Estate
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Christopher Mott
El Paso, TX Bankruptcy Lawyer with 35 years experience
(915) 545-1133 4695 N Mesa St
 El Paso, TX 79912
Bankruptcy, Business and Tax
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Enrique Garcia
El Paso, TX Bankruptcy Lawyer with 11 years experience
(915) 307-7287 3204 Montana Ave
 El Paso, TX 79903
Bankruptcy, Business, Estate Planning and Immigration
Capital University Law School
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Bernard Robert Given
El Paso, TX Bankruptcy Attorney with 30 years experience
(915) 544-5545 5915 Silver Springs Dr
 El Paso, TX 79912
Bankruptcy and Business
USC Law School
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Thomas Barrett
El Paso, TX Bankruptcy Lawyer with 13 years experience
(915) 533-1133 303 Texas Ave
 El Paso, TX 79901
Bankruptcy, Business, Energy and Estate Planning
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Lane Charles Reedman
El Paso, TX Bankruptcy Lawyer with 40 years experience
(915) 544-6646 4171 N Mesa St
 El Paso, TX 79902
Bankruptcy, Business and Real Estate
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Larry Fields
El Paso, TX Bankruptcy Lawyer with 43 years experience
(915) 533-2771 5915 Silver Springs Dr
 El Paso, TX 79912
Bankruptcy, Business, Estate Planning and Real Estate
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Miguel Alejandro Flores
El Paso, TX Bankruptcy Attorney with 16 years experience
(915) 566-4300 2610 Montana Ave
 El Paso, TX 79903
Bankruptcy and Consumer
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Carlos Miguel Quinonez
Claimed Lawyer ProfileSocial Media
El Paso, TX Bankruptcy Attorney with 12 years experience
(915) 533-0009 11890 Vista del Sol A-115
 El Paso, TX 79936
Bankruptcy, Arbitration & Mediation, Business and Criminal
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John Boyce Bright
El Paso, TX Bankruptcy Attorney with 39 years experience
(915) 598-7878 1533 N Lee Trevino Dr
 El Paso, TX 79936
Bankruptcy, Arbitration & Mediation, Business and Consumer
South Texas College Of Law
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Weldon Reed Allmand
Claimed Lawyer ProfileBlawgsearchSocial Media
Hurst, TX Bankruptcy Lawyer with 17 years experience
(214) 265-0123 860 Airport Fwy
Suite 401
 Hurst, TX 76054
Free ConsultationBankruptcy and Foreclosure Defense
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Consumer bankruptcy is the only area of law that I practice. It is my experience that the best way to serve my clients is to devote all my time to one area of law. I have selected this area to specialize in because it dramatically impacts peoples lives in a real way. It is a very rewarding experience to meet with a client in crisis who is facing the loss of their property, experiencing loss of sleep and loss of good will with friends and family members, and having the opportunity to improve their situation. ...
(214) 884-4020 4849 Greenville Ave
Ste 230
 Dallas, TX 75206
Mr. J. Thomas Black
Claimed Lawyer ProfileQ&ASocial Media
Houston, TX Bankruptcy Attorney with 36 years experience
(713) 772-8037 2600 S Gessner Rd
Suite 110
 Houston, TX 77063
Free ConsultationBankruptcy
South Texas College of Law
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J. Thomas Black graduated from South Texas College of Law in Houston in 1982, and started his own firm in 1986. Mr. Black has always specialized in consumer and small business bankruptcy law, tax collection defense, debt negotiation and related matters.

Mr. Black's firm currently consists of Mr. Black, two associate attorneys, two full time paralegals, and other support staff. Mr. Black was Board Certified in Consumer Bankruptcy Law by the Texas Board of Legal Specialization in 1989, and he was re-certified in 1994, 1999, 2004, 2009, and 2014. Mr. Black served as President of the Houston Association of Debtor...
(877) 597-9358 B149
 Houston, TX 77058
Warren V. Norred
Claimed Lawyer ProfileSocial Media
Southlake, TX Bankruptcy Attorney with 10 years experience
(817) 552-3560 630 East Southlake Blvd., #110
working with Justice & White
 Southlake, TX 76092
Bankruptcy, Business, IP and Patents
Texas Wesleyan University School of Law - Texas Wesleyan University
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Norred Law handles litigation, bankruptcy, and intellectual property matters.

Litigation matters include from simple small claim matters to federal patent litigation. Norred Law has represented its clients in federal courts from California to New York, and in every federal district in Texas.

For our bankruptcy clients, we handle Chapter 7 and Chapter 11 matters for individuals and businesses, and Chapter 13 for individuals when appropriate. We also represent creditors who find themselves involved in bankruptcy.

In intellectual Property issues, Norred Law handles patents, trademarks, and copyrights. As a registered professional engineer with an MSEE and more than 15 years of...
(817) 704-3984 200 East Abram Street
 Arlington, TX 76010
Leticia Martinez Evans
Claimed Lawyer ProfileSocial Media
Midland , TX Bankruptcy Attorney with 19 years experience
(432) 279-1073 4500 W. Illinois
 Midland , TX 79703
Free ConsultationBankruptcy, Consumer, Insurance Claims and Personal Injury
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Leticia “Letty” Martinez Evans was born and raised in San Antonio, Texas where she attended Our Lady of the Lake University and graduated Magna Cum Laude in 1992 with a degree in Public Administration. She then worked for the City of San Antonio for several years before deciding to attend Southern Methodist University School of Law in Dallas, Texas. A lifelong desire to focus on public service, her law practice is limited primarily to bankruptcy law. Her passion is to help individuals, families and small business owners get their “fresh start” when financial difficulties strike. Letty Evans has handled hundreds...
(817) 533-8484 3824 S Carrier Pkwy
Ste 450
 Grand Prairie, TX 75052
(817) 533-8484 4747 S. Hulen St.
Ste 100
 fort worth, TX 76132
(817) 533-8484 2216 S. Cooper St.
 ARLINGTON, TX 76013
(817) 533-8484 2229 N. Main Street
 fort worth, TX 76164
(210) 775-0549 5460 Babcock Road
Ste #120C
 San Antonio , TX 78240
(281) 771-1690 18333 Egret Bay Blvd.
Ste 333
 Houston , TX 77058
(903) 306-1981 3930 Galleria Oaks Dr.
Ste 142
 Texarkana, TX 75503
(817) 241-2700 206 Houston Ave.
 Weatherford, TX 76086
(214) 438-0150 1000 Belt Line Rd.
Ste 210
 Carrollton, TX 75006
(817) 533-8484 1300 Summit Ave.
Ste 650
 fort worth, TX 76102
(214) 438-0150 1515 N. Town East Blvd.
Ste 228
 mesquite, TX 75150
(817) 533-8484 2220 S. Cooper St.
 ARLINGTON, TX 76013
(214) 438-0150 660 N. Central Expy Ste 290
 Plano, TX 75074
(214) 438-0150 4131 N. Central Expy.
Ste 860
 DALLAS, TX 75204
(817) 533-8484 1901 Airport Freeway
 Bedford, TX 76021
Justin M Sparks
Claimed Lawyer ProfileQ&ASocial Media
Fort Worth, TX Bankruptcy Lawyer with 11 years experience
(817) 334-0300 603 East Belknap Street
 Fort Worth, TX 76102
Free ConsultationBankruptcy, Criminal, DWI and Domestic Violence
Texas Wesleyan University School of Law - Texas Wesleyan University
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( www.justinsparkslaw.com ) Justin Sparks is a criminal defense lawyer in Dallas Fort Worth. If you have been convicted of committing a crime or are under investigation, it is critical that you seek a criminal defense attorney immediately. Justin Sparks has handled thousands of cases dealing specifically with DWI/DUI, possession, drug crimes, white collar crimes and more. You are going to need an experienced lawyer who will take the time to meticulously investigate your case to find the best possible solution. Justin Sparks will protect and defend your rights starting with extensive pre-trial preparation using experienced investigators and...
Allen Stewart
Claimed Lawyer ProfileSocial Media
Dallas, TX Bankruptcy Attorney with 28 years experience
(866) 440-2460 325 North St. Paul Street
Suite #4000
 Dallas, TX 75201-3113
Bankruptcy and Consumer
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When my children ask me what I do, I tell them, "I help people." I love helping people. Our firm only represents real people and does not represent large corporations. My philosophy is that large corporations exist purely to make money and have no soul. When the core of one's existence is simply profit and there is no soul to engage one's conscience, wrongful conduct is probably close at hand.

My grandfather and father have been great influences in my life and practice. My grandfather, Curtis Stewart, was a coal miner who, at great personal risk, helped John L. Lewis organize...
Stephen Hardy Gordon
Claimed Lawyer ProfileSocial Media
San Antonio, TX Bankruptcy Attorney with 19 years experience
(210) 531-9700 5820 IH-10 West
Suite 400
 San Antonio, TX 78201
Free ConsultationBankruptcy, Criminal, DWI and Personal Injury
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CREDENTIALS & EXPERIENCE:

-Over 17 Years Experience as a Trial Lawyer in San Antonio, Texas
-Graduated in Top 10% of class at St. Mary’s School of Law
-Staff Writer and Editor of St. Mary’s Law Journal
-Author of Numerous Articles in publications such as St. Mary’s Law Review and San Antonio Lawyer Magazine
-Formerly worked at Texas Fourth Court of Appeals
-100's of hours of Continuing Legal Education in relevant Practice Areas
-10.0 Perfect Rating from AVVO.com Lawyer Rating Website
Chance M. McGhee
Claimed Lawyer ProfileSocial Media
San Antonio, TX Bankruptcy Lawyer with 24 years experience
(210) 342-3400 8207 Callaghan Road
Suite 250
 San Antonio, TX 78230
Bankruptcy
St. Mary's University School of Law
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Experienced Consumer Bankruptcy Lawyer Attorney Chance McGhee is a highly respected bankruptcy attorney in the San Antonio area and beyond. He served as the past Treasurer for four (4) years and is currently a Director of the San Antonio Bankruptcy Bar Association. He is a member of the Federal Bar Association and licensed to practice Federal Bankruptcy Courts in the Western, Southern and Northern Districts of Texas. He obtained his Doctor of Jurisprudence degree from St. Mary’s University School of Law in 1994. With an undergraduate degree from University of Texas in Austin in Management/Accounting which he obtained in...
Brandy Austin
Claimed Lawyer ProfileSocial Media
Arlington, TX Bankruptcy Lawyer with 9 years experience
(817) 841-9906 2300 Michigan Court, Ste B
 Arlington, TX 76016
Free ConsultationBankruptcy, Divorce, Family and Personal Injury
Baylor Law School
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Brandy Austin is a founding member of the firm. Her practice specializes in personal injury, family law, small business litigation, and wills and probate. Brandy attended East Carolina University in Greenville, N.C. for her undergraduate degree. She majored in both English and Political Science. She went on to attend Baylor Law School and successfully completed Baylor's prestigious Practice Court program. She was part of Baylor's National Client Counseling Team and participated in their Moot Court Competition. Brandy went on to defend clients sued for medical malpractice, products liability, and personal injury. She has represented numerous clients at depositions,...
James Douglas Uloth
Claimed Lawyer ProfileSocial Media
Addison, TX Bankruptcy Lawyer with 32 years experience
(469) 791-0411 5080 Spectrum Drive
Suite 1000 East
 Addison, TX 75001
Bankruptcy, Business, Collections and Construction
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CREDITORS’ RIGHTS/RESTRUCTURING: protected the interests of secured and unsecured creditors and maximized their recovery from the debtor's estate during the development of reorganization plans; structured and obtained creditor and court approval of plans of reorganization for businesses involved in the ownership and operation of real property, industrial, and service companies. BUSINESS LITIGATION: prosecuted and defended loans; secured transactions; contracts involving real estate, equipment, and commissions; placement and removal of materialman’s and mechanic's liens upon real property; government seizure of property; and commercial leases. BUSINESS: guided businesses and individuals regarding matters arising out of operations, review, negotiation, and drafting of leases,...
Ada Ferrer
Claimed Lawyer ProfileSocial Media
Sugar Land, TX Bankruptcy Attorney with 7 years experience
(713) 936-9392 3 Sugar Creek Blvd
Suite 100
 Sugar Land, TX 77478
Bankruptcy, Business and Collections
University of Houston - Main Campus
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Ms. Ada Ferrer has had a long and successful legal career helping individuals, companies, and non profits with a wide variety of legal matters. Ada began her legal career as a paralegal at Holt & Young, PC and then Barsalou & Sebesta, PC where she concentrated on real estate law and property owner’s associations. Ada attended the University of Houston Law Center where she worked as a student attorney in the Transaction & Consumer Law Clinic, interned for the Harris County District Attorney’s Office, and worked as a law clerk for Evans & Fair. Upon graduating from law...
John Edward Leslie
Claimed Lawyer ProfileSocial Media
Arlington, TX Bankruptcy Attorney with 37 years experience
(817) 505-1291 1805 West Park Row Drive
Suite C
 Arlington, TX 76013
Free ConsultationBankruptcy, Business and Collections
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Frustrated by big-city lawyers who charge high fees and give impersonal service? I've been practicing law in the DFW area since 1985 and am committed to giving you personal, affordable service. I've been helping businesses from the corner store to Fortune 100 corporations and individuals of moderate to substantial means with their commercial law needs since 1980. I promise you 100% personal service. When you hire John Leslie | PLLC, you work directly with me, and not with a paralegal or clerk. For my business clients, my goal is to provide...
Alex Wathen
Claimed Lawyer ProfileSocial Media
San Antonio, TX Bankruptcy Lawyer with 19 years experience
(210) 853-5828 8535 Wurzabach Road, Suite 101
 San Antonio, TX 78240
Free ConsultationBankruptcy, Appeals, Estate Planning and Family
University of Minnesota Law School
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I provide bankruptcy solutions for consumers and business primarily in the greater Houston area but also in other parts of Texas and the rest of the United States. I also represent clients nationwide in federal appeals.
(888) 305-1919 2002 Timberloch Place
Suite 200
 The Woodlands, TX 77380
(888) 305-1919 1400 Broadfield
Suite 200
 Houston, TX 77084
(888) 305-1919 2245 Texas Drive
Suite 300
 Sugar Land, TX 77479
(888) 305-1919 363 North Sam Houston Parkway East
Suite 1100
 Houston, TX 77060
(888) 305-1919 1002 Gemini
Suite 100
 Houston, TX 77058
(888) 305-1919 1920 West Villa Maria Road
Suite 306
 Bryan, TX 77807
(888) 305-1919 402-A West Palm Valley Boulevard
Suite 136
 Round Rock, TX 78664
(888) 305-1919 13201 Northwest Freeway
Suite 800
 Houston, TX 77040
Michael L Hardwick
Claimed Lawyer ProfileSocial Media
Houston, TX Bankruptcy Lawyer
(713) 772-8037 2600 S Gessner Rd
Suite 110
 Houston, TX 77063
Free ConsultationBankruptcy
South Texas College of Law
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I became a Texas attorney in May 2017. But prior to that, I had extensive experience in the bankruptcy field since 2003 when I went to work as a paralegal for a consumer bankruptcy law firm in Houston, Texas. I also spent 7 years working for Chapter 13 Trustee William Heitkamp in Houston, rising to become a Supervisor and Senior Paralegal to the Trustee.

I have also taught bankruptcy law as an adjunct faculty member for an ABA-certified paralegal studies program at San Jacinto College in Houston. I have worked for Law Office of J. Thomas Black, P.C. as a...
Jeffrey Scott Davis
Claimed Lawyer Profile
Cleburne, TX Bankruptcy Attorney with 24 years experience
(817) 556-3456 190 North Ridgeway
Suite 102
 Cleburne, TX 76033
Free ConsultationBankruptcy, Appeals, Business and Consumer
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I was born and raised in Abilene, Texas, having attended, and graduationg from, Abilene Christian School all 12 grades. I went on to get a BBA in Accounting from ABilene Christian University before going to law school at Texas Tech University School of Law. After graduating law school I started working for Isaac M. Castro in Hamlin, Texas. In 1999 I was made a partner in the new law firm Castrro & Davis, L.L.P. Subsequently, in August 2000, I moved to Cleburne, Texas, and went to work as in-house counsel for gimmeabid.com, then located in Dallas, Texas....
Reese W. Baker
Claimed Lawyer ProfileBlawgsearchSocial Media
Bryan, TX Bankruptcy Lawyer with 39 years experience
(979) 823-1641 1716 Briarcrest Drive
 Bryan, TX 77802
Free ConsultationBankruptcy, Business and Foreclosure Defense
Southern Methodist University
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Reese W. Baker is a partner in the firm of Baker & Associates in Houston, Texas. He is board certified by the Texas Board of Legal Specialization in Business Bankruptcy Law and he is also board certified by the American Board of Certification in Business Bankruptcy Law. Mr. Baker has participated in numerous national bankruptcies. He has also served as in-house counsel for Summa Corporation in Las Vegas, Nevada. Mr. Baker has acted as attorney in charge for debtors and lenders, has represented trustees, creditors committees and retiree committees, and been actively involved in successful reorganizations around the country. He...
(713) 979-2279 5151 Katy Fwy
Ste 200
 Houston, TX 77007
(713) 979-2279 7322 Southwest Fwy
Ste. 1100
 Houston, TX 77074
(713) 979-2279 2002 Timberloch Place
Ste. 200
 The Woodlands, TX 77380
(713) 979-2279 1400 Broadfield
Ste. 200
 Houston, TX 77084
(713) 979-2279 13201 Northwest Fwy
Ste. 800
 Houston, TX 77040
(713) 979-2279 4606 FM 1960 West
Ste. 400
 Houston, TX 77069
(713) 979-2279 363 N. Sam Houston Pkwy
Ste 1100
 Houston, TX 77060
Paul Steven Hacker
Claimed Lawyer ProfileSocial Media
San Antonio, TX Bankruptcy Lawyer with 24 years experience
(210) 740-6777 11845 Interstate 10 W
#400
 San Antonio, TX 78230
Free ConsultationBankruptcy, Divorce, Family and Personal Injury
University of Tennessee College of Law
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The Hacker Law Firm was established in 2005 in San Antonio, Texas by Paul Steven Hacker. The Firm’s mission is to deliver exceptional value to its clients by providing legal advice and services that result in optimized outcomes for its clients. It proudly provides practical and creative advice in both formal conflict resolution in litigation and agreed outcomes in compromises and settlements. Paul Steven Hacker, the founder of the Hacker Law Firm, was admitted to practice law in Texas by the Supreme Court of Texas in 1993. His legal experience is extensive and varied. Mr. Hacker...
Joshua Tisdale
Claimed Lawyer ProfileSocial Media
Harker Heights, TX Bankruptcy Attorney with 7 years experience
(254) 340-0997 101 W. Knights Way
Suite F
 Harker Heights, TX 76548
Bankruptcy and Family
Texas Tech University School of Law
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Joshua is a graduate of Texas Tech University School of Law. He came to Central Texas after successfully running his own firm in Dallas. He and his family decided to make the trek to Central Texas to escape the hubbub of the big city and have fallen in love with the hill country. Joshua recently left one of the top-filing bankruptcy firms in the area, where he filed the majority of the chapter 7 and chapter 13 bankruptcies. He believes that clients deserve to be treated with respect and finds it fulfilling to help guide people out of...
Deborah C. Coleman-Fron
Claimed Lawyer ProfileSocial Media
Weatherford, TX Bankruptcy Lawyer with 23 years experience
(817) 241-2700 206 Houston Ave.
 Weatherford, TX 76086
Free ConsultationBankruptcy, Divorce, Family and Personal Injury
Oklahoma City University School of Law
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Mrs. Coleman-Fron was born in Wichita Falls, Texas but grew up in the Metroplex where she graduated from Irving’s MacArthur High School in 1988. Mrs. Coleman-Fron received a Bachelor of Arts degree from Midwestern State University in Wichita Falls, Texas with double majors in Political Science and Criminal Justice in 1992. From there, she earned a Juris Doctorate from Oklahoma City University School of Law in 1995. Mrs. Coleman-Fron was licensed by the State Bar of Texas in November 1995. She has also been admitted to the United States Northern and Eastern Districts of Texas. During her...
(214) 438-0150 4131 N. Central Expy.
Ste 860
 Dallas, TX 75204
(817) 583-8419 1300 Summit Ave.
Ste 650
 Fort Worth , TX 76102
(214) 438-0150 1000 Belt Line Rd.
Ste 210
 Carrollton, TX 75006
(214) 438-0150 660 N. Central Expy.
Ste 290
 Plano , TX 75503
(817) 583-8419 1901 Airport Fwy.
 Bedford, TX 76021
(817) 583-8419 2220 S. Cooper St.
 Arlington, TX 76013
(817) 583-8419 2216 S. Cooper St.
 Arlington, TX 76013
(817) 583-8419 4747 S. Hulen St.
Ste 100
 Fort Worth , TX 76132
(817) 583-8419 2229 N. Main Street
 Fort Worth , TX 76164
(817) 583-8419 2304 W. Bardin Rd.
Ste 200
 Grand Prairie, TX 75052
(281) 771-1690 18333 Egret Bay Blvd.
Ste 333
 Houston, TX 75077
(214) 438-0150 1515 N. Town East Blvd.
Ste 228
 Mesquite, TX 75150

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Considering Bankruptcy?

Bankruptcy law allows debtors, who are unable or partially unable to pay outstanding debts, to rid themselves of these debts and obtain a fresh start. Both federal and state laws can affect a debtor seeking to file for bankruptcy, and an attorney can help you understand how state and federal bankruptcy laws apply to you.

If you are struggling with high debt, receiving calls from creditors or collection agencies, or facing foreclosure, garnishment of wages, or repossession of property, filing for bankruptcy may provide you with solutions.

Bankruptcy lawyers offer legal advice and services during a financial crisis. In total, there are six different types of bankruptcy. For persons seeking debt relief, one option is Chapter 7 bankruptcy, which provides for liquidation of the debtor's non-exempt assets. Another popular option for individuals is Chapter 13, which allows for management and reduction of debt through payment plans. Corporations and partnerships filing for bankruptcy often choose to file under Chapter 11, which provides for supervised reorganization of the business.

Experienced bankruptcy counsel can help you evaluate whether you should pursue a bankruptcy as well as the Chapter under which to file. Bankruptcy lawyers can also help end harassing phone calls from debt collectors and evaluate available legal options when facing a home foreclosure.

Automatic stay: An injunction that automatically stops lawsuits, foreclosures, garnishments, and most collection activity against the debtor the moment a bankruptcy petition is filed.

Unsecured claim: A debt for which credit was extended based solely upon the creditor's assessment of the debtor's future ability to pay, rather than on a special assurance of payment.

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