Irvine, California Bankruptcy Lawyers

Timothy George McFarlin
Claimed Lawyer ProfileSocial Media
Irvine, CA Bankruptcy Lawyer with 17 years experience
(949) 544-2640 4 Park Plaza
Ste 1025
Irvine, CA 92614
Bankruptcy, Business, Foreclosure Defense and Real Estate
University of California, Davis, School of Law
At McFarlin LLP Our unique practice can offer you:
$0 Down bankruptcy options (just pay filing fee);
Stop Creditor Harassment Today
Help Restoring Your Credit Free
Stop Foreclosure
Eliminate Debt
Discharge Private Student Loans
Majid Foroozandeh Shahraki
Claimed Lawyer ProfileSocial Media
Irvine, CA Bankruptcy Lawyer with 12 years experience
(949) 336-8505 9891 Irvine Center Drive
Ste 130
Irvine, CA 92618
Free ConsultationBankruptcy, Business, Immigration and Personal Injury
Western State College of Law at Argosy University
Court Admissions:

United States District Court, Central District of California, May 30, 2007
United States Court of Appeals for the Ninth Circuit, October 26, 2009
United States District Court, Southern District of California, November 16, 2009
United States Tax Court, November 19, 2009
United States Court of Appeals for the Armed Forces, January 10, 2010
United States District Court, Eastern District of California, June 3, 2010
United States Court of Appeals for Veterans Claims, July 13, 2010
United States Court of International Trade, January 2, 2014
United States Court of Appeals For The Federal Circuit, June 30, 2015
United States Navy-Marine Corps Court of Criminal Appeals, May 3, 2017
United States...
David Van Luu
Claimed Lawyer ProfileSocial Media
Irvine, CA Bankruptcy Lawyer with 13 years experience
(714) 697-8600 16755 Von Karman Ave.
Suite 200
Irvine, CA 92606
Free ConsultationBankruptcy, Business, Personal Injury and Real Estate
Univ of LaVerne COL
Founded under the direction of Attorney David V. Luu, our offices are centrally located in the cities of Santa Ana and Irvine to better serve the residents of Southern California, which includes Orange County, Riverside County, San Bernardino County, and Los Angeles County. We are best known for helping people from all walks of life throughout Southern California to prevent, resolve, and litigate issues relating to their debts, personal injuries, and business or real estate transactions It is our mission to give you clear and understandable advice concerning legal matters. We listen to what you have to say...
Harlene Miller
Claimed Lawyer ProfileQ&A
Irvine, CA Bankruptcy Attorney with 29 years experience
(949) 756-1313 9110 Irvine Center Drive
Irvine, CA 92618
Free ConsultationBankruptcy
Western State University College of Law
Bankruptcy representation of debtors and creditors; personal and business; chapter 7, 11 and 13 since 1990. CA Certified Legal Specialist in Bankruptcy Law for 20 years. Provide consulting for how to avoid bankruptcy; budgeting; life after bankruptcy. Assist in creditor settlements in lieu of bankruptcy. Personal care and attention to clients. Half hour no charge consultation.
Richard Gaines Heston
Claimed Lawyer Profile
Irvine, CA Bankruptcy Attorney with 40 years experience
(949) 222-1041 19700 Fairchild Road
Suite 280
Irvine, CA 92612
Free ConsultationBankruptcy, Divorce and Family
Southwestern Law School
Having practiced for 29 years in both bankruptcy and family law, two often related fields of practice effecting consumers, I have gained considerable expertise as well as an understanding that consumers are seeking prompt resolution of such issues with the least conflict and at the lowest cost. Being among a small handful of dual Certified Specialists in both Bankruptcy and Family Law, I am frequently sought out by attorneys and litigants whose cases originating in one field have spilled over into the other, where knowledge and experience in both areas is essential.
Brian T. Pedigo
Claimed Lawyer ProfileBlawgsearchSocial Media
Irvine, CA Bankruptcy Lawyer with 11 years experience
(877) 274-2612 7545 Irvine Center Drive
Suite 200
Irvine, CA 92618
Free ConsultationBankruptcy, Animal, Business and Employment
Whittier Law School
The Law Offices of Brian Pedigo is passionate about helping people who are victims of others' wrongdoing. Whether the wrongdoer is an individual or a large corporate entity, The Law Offices of Brian Pedigo is willing to fight on behalf of the average Joe. We accept a wide range of civil cases. Call us at (877) BRIAN-1-2 for a free case consultation.
David C. Dodge
Claimed Lawyer ProfileSocial Media
Irvine, CA Bankruptcy Attorney with 21 years experience
(714) 378-4355 19200 Von Karman Ave., Ste. 400
Irvine, CA 92612
Free ConsultationBankruptcy and Tax
Western State University College of Law
The Law Offices of David C. Dodge specializes in federal and California tax controversies. As a lawyer and certified public accountant with decades of experience, he knows what to do and when, to accomplish resolution of your tax problem for best result at the least cost. He provides legal tax controversies representation most often for audits, appeals, offer in compromise, tax collection defense, litigation in federal and California courts, and bankruptcy. His typical clients are individuals personally or business sole proprietorship, and small to medium business entities like corporations, partnerships, and limited liability companies. His accounting and...
Peter Rasla
Claimed Lawyer ProfileSocial Media
Irvine, CA Bankruptcy Lawyer with 17 years experience
(949) 390-9994 19200 Von Karman Avenue
Suite 400
Irvine, CA 92612
Bankruptcy
University of Houston Law Center and Texas Southern University Thurgood Marshall School of Law
Attorney Peter Rasla, Esq. received his Bachelor of Arts degree in Political Science, International Politics, and Prelaw from the University of Houston. He then went on to earn his Juris Doctorate degree from the Texas Southern University Law School. Mr. Rasla is admitted to the Texas State Bar and the California State Bar. He is a member of numerous associations including the Orange County Bar Association, the Irvine Chamber of Commerce, the Los Angeles County Bar Association, the Consumer Attorneys of California, the Association of Trial Lawyers of America, and the American Bar Association. At Peter Rasla & Associates, P.L.C.,...
Kelly Hope Zinser
Claimed Lawyer ProfileSocial Media
Irvine, CA Bankruptcy Lawyer with 24 years experience
(949) 608-3791 18881 Von Karman
Suite 1175
Irvine, CA 92612
Free ConsultationBankruptcy, Business and Estate Planning
Tulane Univ Law School
Roger E. Naghash
Claimed Lawyer Profile
Irvine, CA Bankruptcy Attorney with 23 years experience
(949) 955-1000 19800 Macarthur Blvd
#1100
Irvine, CA 92612
Free ConsultationBankruptcy, Business, Consumer and Criminal
Western State College of Law at Argosy University
Sanaz Sarah Bereliani
PREMIUM

California Bankruptcy Lawyer with 11 years experience

Sanaz Sarah Bereliani received her J.D. from Whittier College School of Law, with a focus on reorganization and bankruptcy. During law school, she worked as an invaluable law clerk to a prominent Superior Court of... Read More »
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Mehrshad Mirkhan
Claimed Lawyer ProfileSocial Media
Irvine, CA Bankruptcy Lawyer with 20 years experience
(888) 761-2992 18101 Von Karman
3rd Floor
Irvine, CA 92612
Bankruptcy
University of the Pacific, McGeorge School of Law
Mehrshad Mirkhan has nearly two decades of experience handling business law and civil litigation matters, including matters relating to business litigation, bankruptcy, contracts, banking, and more. He earned his law degree from the McGeorge School of Law at the University of the Pacific in 1998. Known for his strategic, comprehensive, and personalized approach, Mr. Mirkhan is a talented legal professional with a tendency to look outside of the box for sophisticated solutions. Mr. Mirkhan has received several awards for his legal service, including “Commitment to Clients Award” and “Most Patient Advocate Award” from The McGeorge School of Law.
Bruce Carlton Bridgman
Claimed Lawyer ProfileSocial Media
Irvine, CA Bankruptcy Attorney with 45 years experience
(714) 963-5486 17500 Red Hill Avenue
Suite 230
Irvine, CA 92614
Bankruptcy, Criminal, Divorce and Family
UCLA Law School
As the founder of The Law Office of Bruce C. Bridgman, Orange County attorney Bruce C. Bridgman offers legal counsel in criminal defense and civil issues. Since 1974, he has been in the legal field, and he has operated his own practice for over two decades. Before his current firm’s establishment, Attorney Bridgman was a partner at another firm and a deputy district attorney in Orange County. He is a graduate of the UCLA Law School, where he was a Wilson Scholar. Receive a zero-charge case evaluation by contacting his firm.
Adam Greely
Claimed Lawyer Profile
Irvine, CA Bankruptcy Attorney with 28 years experience
(949) 752-2444 18101 Von Karman Ave
Irvine, CA 92612
Bankruptcy and Business
Loyola Law School
Halli Baum Heston
Claimed Lawyer Profile
Irvine, CA Bankruptcy Lawyer with 39 years experience
(949) 222-1041 19700 Fairchild Road
Suite 280
Irvine, CA 92612
Free ConsultationBankruptcy, Estate Planning and Probate
Southwestern Law School
Donald Henry Segretti
Claimed Lawyer Profile
Irvine, CA Bankruptcy Attorney with 52 years experience
(949) 553-8088 19800 MacArthur Blvd
#1000
Irvine, CA 92612
Bankruptcy
UC Berkeley School of Law Boalt Hall
Mark Dyer Klein
Claimed Lawyer Profile
Irvine, CA Bankruptcy Attorney with 33 years experience
(949) 453-7979 15615 Alton Pkwy Ste 175
Irvine, CA 92618
Bankruptcy, Business, IP and Real Estate
Pepperdine Univ School of Law
Irvine, CA Bankruptcy Attorney with 25 years experience
(949) 340-3400 100 Spectrum Center Dr Ste 600
Irvine, CA 92618
Bankruptcy, Arbitration & Mediation and Business
Southwestern University School of Law and UCLA School of Law
Irvine, CA Bankruptcy Attorney with 29 years experience
(949) 340-3400 100 Spectrum Center Dr Ste 600
Irvine, CA 92618
Bankruptcy and Business
Loyola Law School, Los Angeles
Irvine, CA Bankruptcy Lawyer with 14 years experience
(949) 824-7546 401 E Peltason Dr
Irvine, CA 92617
Bankruptcy, Appeals, Arbitration & Mediation and Business
Irvine, CA Bankruptcy Lawyer with 33 years experience
(949) 340-3400 100 Spectrum Center Dr Ste 600
Irvine, CA 92618
Bankruptcy and Business
University of San Diego School of Law
Joseph Wilson
Claimed Lawyer ProfileQ&ASocial Media
Newport Beach, CA Bankruptcy Attorney with 17 years experience
(949) 397-2292 1401 Dove Street
Suite 630
Newport Beach, CA 92660
Bankruptcy, Criminal, Tax and White Collar Crime
University of San Diego and James E. Rogers College of Law, University of Arizona
Mr. Wilson is a former Federal Prosecutor, IRS Attorney and FTB Attorney. Mr. Wilson is the managing partner at the Wilson Tax Law Group, which is a law firm serving the Newport Beach and Yorba Linda areas that specializes in civil audits and criminal tax matters, involving federal and state tax authorities. The firm represents taxpayers during civil audits, administrative appeals, all phases of collection, judicial proceedings in all trial and appellate courts. The firm handles a wide variety of matters including international compliance and offshore banking matters. The firm is headed by Mr. Wilson, whose impressive background includes...
Alvah Lavar Taylor
Claimed Lawyer ProfileSocial Media
Santa Ana, CA Bankruptcy Lawyer with 34 years experience
(714) 546-0445 3 Hutton Centre Drive
Suite 500
Santa Ana, CA 92707
Bankruptcy, Criminal and Tax
Georgetown Univ Law Ctr
Mr. Taylor, the founder of the Firm, has over 33 years of experience in handling civil and criminal tax controversies. He handles litigation in U.S. District Court, U.S. Bankruptcy Court, U.S. Tax Court, U.S. Court of Claims, U.S. Courts of Appeal, and the U.S. Supreme Court. He also handles administrative disputes with the IRS, including audits, collection matters, criminal investigations, administrative hearings with the Office of Appeals and Collection Due Process appeals. Mr. Taylor, prior to entering private practice in 1989, served as an Assistant U.S. Attorney in the Tax Division of the U.S. Attorney’s Office in the Central District...
William L Huestis
Claimed Lawyer ProfileSocial Media
Newport Beach, CA Bankruptcy Attorney with 12 years experience
(888) 815-3546 4000 Macarthur Blvd., #600
Newport Beach, CA 92660
Bankruptcy, Elder, Estate Planning and Probate
Chapman University Fowler School of Law and Chapman University Fowler School of Law
Shaheen Anthony Etemadi
Claimed Lawyer Profile
Newport Beach, CA Bankruptcy Attorney with 1 year experience
(949) 852-0710 4675 MacArthur Ct
Newport Beach, CA 92660
Bankruptcy, Business, IP and Real Estate
Chapman University Fowler School of Law
Steve Vasquez Esq.
Claimed Lawyer ProfileSocial Media
Santa Ana, CA Bankruptcy Attorney with 26 years experience
(949) 756-1394 1820 E. Garry Ave Suite 108
Santa Ana, CA 92705
Bankruptcy, Estate Planning and Tax
Krystina Tran
Claimed Lawyer Profile
Newport Beach, CA Bankruptcy Lawyer
(949) 797-9090 4100 Newport Place, Suite 710
Newport Beach, CA 92660
Bankruptcy
Michael Jay Berger
Claimed Lawyer ProfileQ&ASocial MediaResponsive Law
333 City Boulevard West
Orange, CA 92868
Free ConsultationOrange, CA Bankruptcy Lawyer with 37 years experience
Bankruptcy, Appeals, Collections and Foreclosure Defense
University of California Hastings College of the Law
Serving Los Angeles, Beverly Hills, San Fernando Valley, Santa Ana, Santa Barbara and Riverside. I am a Certified Specialist in Bankruptcy Law. I am an "AV"* rated attorney with 37 years of experience in solving bankruptcy problems. I am a Mensa certified genius with a strong ability to analyze and solve problems. If you are being hounded by creditors, I can legally erase your debts and get you a fresh start. If your business needs reorganization, I can give you protection from your creditors while you reorganize. If you have a claim against an individual or company that has filed...
Shahnaz Hussain
Claimed Lawyer ProfileQ&ASocial Media
Santa Ana, CA Bankruptcy Lawyer with 21 years experience
(888) 282-8822 2670 N. Main Street, Suite 270
Santa Ana, CA 92705
Free ConsultationBankruptcy, Business, Criminal and Divorce
The American College of Law
Attorney Shahnaz Hussain has been in practice for over 19 years, and she has handled over 5,000 cases. Shahnaz Hussain is a member of the California Supreme Court and the U.S. District Court: Central District of California and Southern District of California.

Ms. Hussain has a general law practice in Santa Ana, California. She is experienced in:

Personal Injury Law
Car Accident Representation
Criminal Defense
DUI Defense
DWI matters
Family Law
Divorce law
Business Law
Bankruptcy
Landlord-Tenant Law
Products Liability Law

She is an experienced and tenacious litigator who has appeared in courts in counties throughout Southern California.
Most importantly she is a trial attorney. She goes to trial and wins...
Bahram Madaen
Claimed Lawyer ProfileQ&A
Anaheim, CA Bankruptcy Attorney with 15 years experience
(888) 266-1138 2400 E Katella Ave
Anaheim, CA 92806
Free ConsultationBankruptcy, Family and Real Estate
Southwestern University School of Law
Attorney Madaen has been active in litigation whether in Bankruptcy, real estate, or contract litigation since becoming attorney in February of 2004. He attended California State University Los Angeles for his undergrad school in international business and economy. He have been constantly in trade and business and he was the owner of several businesses. He speaks Spanish and Farsi. He strive to give the best services to clients.
Mr Rex Tran
Claimed Lawyer ProfileSocial Media
Santa Ana, CA Bankruptcy Attorney with 10 years experience
(888) 938-5393 1633 E 4th St #214
Santa Ana, CA 92701
Free ConsultationBankruptcy
California Western School of Law
PROFESSIONAL EXPERIENCE Since becoming a member of the California Bar, Rex Tran has focused his practice on representing consumer debtors in bankruptcy. Before starting this law firm, Mr. Tran was a Managing Attorney for Jacoby and Meyers Bankruptcy Law, LLP (formerly Macey Bankruptcy Law, PC) from 2010 through 2012. To date, Mr. Tran has handled over 650 bankruptcy cases. As a Managing Attorney, Mr. Tran not only handled matters personally, but also trained staff and attorneys in all aspects of bankruptcy. Additionally, Mr. Tran also has experience in business civil litigation and personal injury claims...
James Arthur Hayes Jr
Claimed Lawyer ProfileSocial Media
Newport Beach, CA Bankruptcy Lawyer with 26 years experience
(949) 852-1800 2424 S.E. Bristol Street, Suite 300
Newport Beach, CA 92660
Bankruptcy, Business and Real Estate
Western State College of Law at Argosy University
Partner for Corporate, Insolvency and Commerical Law Matters at Cummins & White, LLP
Sasan Vahdat
Claimed Lawyer Profile
Orange, CA Bankruptcy Lawyer with 13 years experience
(949) 496-2011 1224 East Katella Ave. Suite 211
Orange, CA 92867
Free ConsultationBankruptcy, Criminal, Employment and Personal Injury
Pacific West COL
LAW OFFICES OF SEAN S. VAHDAT & ASSOCIATES, APLC is a well-rounded law firm in Southern California that provides a full range of legal services to both individuals and businesses. With a main office in the city of Orange and satellite offices in Irvine, Los Angeles, Inland Empire, & San Diego, we take great pride as a full-service law firm committed to superior legal services. Our firm has over a decade of experience, and we have dedicated our practice to the areas of Personal Injury, Bankruptcy, Employment Law, and Criminal Defense. We take pride in defending the rights of...
Zachary James McCready
Claimed Lawyer ProfileSocial Media
Santa Ana, CA Bankruptcy Attorney with 12 years experience
(714) 785-9978 2333 N Broadway
Suite 230
Santa Ana, CA 92706
Free ConsultationBankruptcy, Criminal and DUI
Whittier Law School
I was a police officer with the LAPD for 8 years. I did hundreds of DUI arrests, domestic violence arrests, drug possession arrests, fugitive warrant arrests, etc.
I also testified in numerous cases.

I have been practicing law since June of 2017. During that time, I have focused my career on criminal defense and DUI cases. I also do chapter 7 bankruptcy cases, immigration cases, debt settlements, and civil litigation.

I have testified in over a dozen trials as an expert witness on the Standardized Field Sobriety tests which are used in almost all DUI arrests.

I have taken many cases to trial and...
Mike Singh Sethi
Claimed Lawyer Profile
Orange, CA Bankruptcy Attorney with 12 years experience
(714) 921-5226 625 N Main Street
Orange, CA 92868
Free ConsultationBankruptcy, Criminal, Immigration and Personal Injury
American COL
The U.S. Law Center is a nationwide, full-service immigration law firm that provides large corporations, small businesses and individuals with a full range of immigration processing and placement services. Attorney Mike Sethi earned his Bachelor of Business Administration from California State University Dominguez Hills in 1995. He received his law degree from the American College of Law, where he graduated in the top three percent of his class and was awarded seven AM-JUR Bancroft-Whitney Awards. These awards are presented to those students attaining the highest grades in particular subjects. He is a member of the Bar for the state of...
Alex Jeronimo Llorente
Claimed Lawyer ProfileSocial Media
Laguna Hills, CA Bankruptcy Attorney with 24 years experience
(949) 859-5000 23151 Moulton Parway
Laguna Hills, CA 92653
Bankruptcy, Business, Estate Planning and Nursing Home
Western State College of Law at Argosy University
Steven John Feldman
Claimed Lawyer Profile
Laguna Hills, CA Bankruptcy Lawyer with 45 years experience
(714) 914-0977 23151 Moulton Pkwy
Laguna Hills, CA 92653
Free ConsultationBankruptcy, Elder, Estate Planning and Tax
Loyola Law School and Georgetown University Law Center
Consumer Bankruptcy- Chapter 7 and 13 Our bankruptcy lawyers serve clients in Orange and Los Angeles counties and throughout Southern California, providing vital information on asset protection,exemptions, debt relief and mortgage modification. Tax Resolution Our bankruptcy and former IRS lawyers provide advice about audits, payment plans, settlement offers, and bankruptcy relief. Estate Administration We represent estate fiduciaries and beneficiaries, assisting in the administration of the estate, as well as the protection of the interests of beneficiaries. Elder Law Elder Law is a specialized area of law that protects some of our most vulnerable citizens. We have the knowledge and experience necessary to protect the rights and financial...
Gregory Mark Fitzgerald
Claimed Lawyer ProfileSocial Media
Santa Ana, CA Bankruptcy Lawyer with 28 years experience
(855) 709-5788 400 N Tustin Ave Ste 375
Santa Ana, CA 92705
Bankruptcy and Consumer
Southern California COL
Gregory Fitzgerald was born and raised in Los Angeles County. He attended high school overseas and returned to the US in 1980 where he attended California Lutheran University in Thousand Oaks, California. He earned his Bachelor of Science in Accounting (1984) and began his post-collegiate career as a tax auditor with the IRS. Dissatisfied with the inherent unfairness of the US Tax Code, he obtained a California contractor’s license, worked as a contractor by day and went to law school at night. He graduated first in his class at Southern California College of Law in 1990, passed the California bar...
Aalok Sikand
Claimed Lawyer ProfileSocial Media
Newport Beach, CA Bankruptcy Lawyer with 13 years experience
(310) 498-1821 1221West Coast Highway
Suite 108
Newport Beach, CA 92663
Free ConsultationBankruptcy, Business and Real Estate
Pepperdine University School of Law
I am an attorney specializing in business litigation, real estate law, and bankruptcy. As both an MBA and a California Licensed Real Estate Broker, I hold specialized credentials that afford me a very comprehensive understanding of the complexities associated with real estate and business issues. I have recent experience successfully taking business litigation cases to trial, successfully taking collection claims to trial, and saving many homes from foreclosure utilizing bankruptcy protection. I have also been successful in settling personal injury claims and in negotiating several family law cases.  It has been my my privilege to gain a great deal of diverse experience. It...
John H. Bauer
Claimed Lawyer Profile
Orange, CA Bankruptcy Attorney with 15 years experience
(714) 319-3446 1047 N. Antonio Circle
Orange, CA 92869
Free ConsultationBankruptcy
Loyola Law School, Los Angeles
My website address is: www.financialrelieflegaladvocates.com *After graduating from Loyola Law School in Los Angeles, California, I became an active real estate investor. In the real estate depression, I learned about the difficulties people can experience with their real estate and businesses and decided to specialize in Chapter 11 Bankruptcy. That is my specialty at this time--it enables me to help people to reorganize and keep their businesses and reduce their real estate loans on their business and rental properties to today's fair market value. I am also able to strip 2nd loans from clients'...
Khushwant Sean Singh
Claimed Lawyer ProfileResponsive Law
Santa Ana, CA Bankruptcy Lawyer with 37 years experience
(714) 285-9960 801 North Bush Street
Santa Ana, CA 92701
Free ConsultationBankruptcy, Divorce and Estate Planning
Western State College of Law at Argosy University
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Bankruptcy Lawyers in Nearby Cities

Bankruptcy Lawyers in Nearby Counties

Irvine Bankruptcy Legal Aid & Pro Bono Services

Legal Aid Society of Orange County
(714) 571-5245
Santa Ana, CA

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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.