Napa, California Bankruptcy Lawyers

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Lindsay R. Torgerson

Napa, CA Bankruptcy Attorney with 10 years experience

(707) 669-0841 2045 Jefferson St, Ste E
Napa, CA 94559

Free ConsultationBankruptcy, Divorce and Family
William Howard Taft University

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Family Law services including divorce, child custody, visitation, and support matters in Sonoma, Marin, Lake, Mendocino, and Napa Counties. Low cost bankruptcy lawyer filing chapter 7 and chapter 13 bankruptcy for individuals and small businesses in Santa Rosa, Ukiah, Napa and the surrounding areas. Check out client testimonials on our website www.winecountryfamilylaw.com

(707) 669-0841 2800 Cleveland Ave, Ste D
Santa Rosa, CA 95403

(707) 669-0841 390 W Standley St, Ste 2
Ukiah, CA 95482

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Ronda Leigh Connor

Napa, CA Bankruptcy Lawyer with 14 years experience

(707) 255-2525 2180 Jefferson Street
Suite 201
Napa, CA 94559

Free ConsultationBankruptcy, Consumer, Estate Planning and Tax
John F. Kennedy University and University of California - Davis

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Richard Day

Napa, CA Bankruptcy Lawyer with 39 years experience

(707) 253-8500 563 Jefferson St
Napa, CA 94559

Bankruptcy, Business and Estate Planning
Univ of San Diego School of Law

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Michael David Imfeld

Napa, CA Bankruptcy Attorney with 41 years experience

(707) 259-1650 2033 Big Ranch Rd
Napa, CA 94558

Bankruptcy, Business, Insurance Defense and Real Estate
UC Hastings COL

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Gregory Engelsman

Napa, CA Bankruptcy Attorney with 4 years experience

(707) 257-8100 2350 1st St
Napa, CA 94559

Bankruptcy and Medical Malpractice

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Seth L. Hanson

10.0

(1 Peer Review)

(707) 385-0422 1652 West Texas Street
Fairfield, CA 94533

Free ConsultationFairfield, CA Bankruptcy Attorney with 16 years experience
Bankruptcy
Brigham Young Univ J Reuben Clark LS UT

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At my firm, bankruptcy is all we do. By focusing just on bankruptcy, we are able to keep our skills sharp and maintain great relationships with the local bankruptcy trustees and bankruptcy judges. Those relationships are extremely important when choosing a bankruptcy attorney.

I have been practicing law since 2001 and opened my own bankruptcy law firm in 2006. I have filed over 1,400 bankruptcy cases and have counseled with thousands of individuals about Chapter 7 and Chapter 13 bankruptcy. My firm colleagues and I work very hard to ensure that each bankruptcy client is treated with...

(916) 780-7005 1024 Iron Point Road
Folsom, CA 95630

(916) 780-7005 9245 Laguna Springs Dr. #200
Elk Grove, CA 95758

(209) 438-4990 5250 Claremont Avenue
Stockton, CA 95207

(916) 780-7005 2400 Professional Drive
Suite 100
Roseville, CA 95661

(209) 438-4990 1300 H Street
Modesto, CA 95354

(916) 571-9231 980 9th Street, 16th Floor
Sacramento, CA 95814

(530) 797-4402 1223 High Street
Auburn, CA 95603

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Matthew Smith

Fairfield, CA Bankruptcy Attorney with 14 years experience

(707) 425-1415 710 Missouri Street
Fairfield, CA 94533

Bankruptcy, Business, Collections and Family
McGeorge School of Law Univ of the Pacific

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Elaine Cerveno

Vacaville, CA Bankruptcy Lawyer with 26 years experience

(707) 646-1178 PO Box 1873
Vacaville, CA 95696

Free ConsultationBankruptcy, Business, Collections and Estate Planning
Boston University School of Law

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Michele Poteracke

Fairfield, CA Bankruptcy Lawyer with 29 years experience

(707) 571-1109 550 Webster Street, Suite 3
Fairfield, CA 94533

Bankruptcy and Family
McGeorge School of Law Univ of the Pacific

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Pamela Curulewski Jackson

Vacaville, CA Bankruptcy Attorney with 39 years experience

(707) 446-2333 409 Boyd St
Vacaville, CA 95688

Bankruptcy, Landlord Tenant and Real Estate
Loyola Law School and University of the Pacific, McGeorge School of Law

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Margaret Eleanor Garms

Fairfield, CA Bankruptcy Lawyer with 39 years experience

(925) 932-7086 1652 West Texas Street
Fairfield, CA 94533

Bankruptcy and Business
Univ of Wisconsin Law School

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Matthew Jerome Gilbert

Vacaville, CA Bankruptcy Lawyer with 22 years experience

(707) 448-3310 2601 Nut Tree Rd
Vacaville, CA 95687

Bankruptcy
McGeorge School of Law Univ of the Pacific

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David Wayne Knight

Fairfield, CA Bankruptcy Attorney with 20 years experience

(707) 422-5411 2300 Boynton Ave
Fairfield, CA 94533

Bankruptcy, Divorce, Family and Personal Injury
Univ of Nebraska COL

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John Harrington MacConaghy

Sonoma, CA Bankruptcy Attorney with 40 years experience

(707) 935-3205 645 1st St W
Sonoma, CA 95476

Bankruptcy
UC Hastings COL

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Kim Robert McClane

Fairfield, CA Bankruptcy Lawyer with 31 years experience

(707) 423-7254 817 Missouri St
Fairfield, CA 94533

Bankruptcy, Divorce and Family
Golden Gate Univ School of Law

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Gregory B. Orton

Sonoma, CA Bankruptcy Attorney

(707) 935-0356 414 First St. East
Suite 1
Sonoma, CA 95476

Bankruptcy, Agricultural, Collections and Consumer

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Timothy James Walsh

Fairfield, CA Bankruptcy Attorney with 42 years experience

(707) 429-1990 1319 Travis Blvd
Fairfield, CA 94533

Bankruptcy and Estate Planning
John F Kennedy Univ School of Law

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Gary Ray Fraley

Sacramento, CA Bankruptcy Lawyer with 40 years experience

(800) 675-1005 1401 El Camino Ave
Suite 370
Sacramento, CA 95815

Free ConsultationBankruptcy
UCLA School of Law

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I am California State Bar CERTIFIED Bankruptcy Law Specialist with a Perfect 10.0 Avvo Rating. I give a FREE credit rebuilding educational program for all my Chapter 7 Bankruptcy Clients ($1,000 value.) No other attorney does that for free. I have been helping clients just like you solve their debt problems for 37 years. I will give you a Free 1 hour bankruptcy attorney consultation. You will get real, usable information about ALL your options and answers to all your questions, without the high pressure sales pitch. My fees are reasonable and are based on...

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Manuel Alzamora Juarez

Berkeley, CA Bankruptcy Lawyer with 19 years experience

(510) 206-4492 2143 Cedar St., Suite 200
Berkeley, CA 94709

Free ConsultationBankruptcy, Landlord Tenant and Personal Injury
San Francisco Law School

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Engish Spoken! - manueljuarez.com

Manuel Juarez es el Abogado de Derechos de Inquilinos en el area de la Bahia. Defiende a inquilinos contra el abuso de propietarios propotentes. El Abogado Juarez es litigador de problemas de viviendas inhabitables, casas sin calenton, incendios de apartmentos, casas, edificios, apartmentos sin calefaccion y mal mantenidos, viviendas defectuosas y evicciones retaliatorias. Si Ud. tiene problemas con su calenton, ducha, o ha sufrido una caida en el piso de su ducha. O su vivienda esta infestada con ratas, cucarachas o chinches, llame al Abogado Defensor de Renteros, Manuel A. Juarez. El defendera sus derechos de inquilino.en...

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Eric Morgan Boeing

Oakland, CA Bankruptcy Lawyer with 11 years experience

(510) 761-6230 1300 Clay St, Ste 600
Oakland, CA 94612

Free ConsultationBankruptcy, Consumer and Estate Planning
UC Hastings COL

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I believe that the Bankruptcy Court is one of the few places in out legal system where ordinary people can go for real relief. I am dedicated to helping people throughout the Bay Area access that relief. I earned my undergraduate degree at the University of Illinois in Urbana-Champaign, and I earned my law degree at the University of California, Hastings College of the Law in San Francisco. While in law school, I was Articles Editor at the Hastings International and Comparative Law Review, and I graduated in 2006. I spent my first two years practicing antitrust/consumer...

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Adam David Garcia

Sacramento, CA Bankruptcy Lawyer with 6 years experience

(916) 596-1018 4050 Truxel Road # C
Sacramento, CA 95834

Free ConsultationBankruptcy
James E. Rogers College of Law, University of Arizona

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Adam Garcia is a bankruptcy attorney at Sacramento Law Group LLP. He represents individuals in Chapter 7 & Chapter 13 bankruptcy in Sacramento, Roseville, Santa Rosa, and Stockton. Adam Garcia helps individuals eliminate debt in chapter 7 bankruptcy & consolidate debt in chapter 13 bankruptcy.

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Robert Chang

Oakland, CA Bankruptcy Lawyer with 7 years experience

(510) 388-4866 1300 Clay Street, Ste. 600
Oakland, CA 94612

Free ConsultationBankruptcy, Divorce, Family and Traffic Tickets
Thomas Jefferson School of Law

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I started my practice with the premise I would always attempt to facilitate a collaborative divorce. Before going to law school, I worked for several years at a family law firm, and saw firsthand the potential of increasing acrimony between spouses when the court system is used haphazardly. Growing up with separated parents, I think I understand the stress and frustration of a long drawn out family divorce. The courts should be a place of last resort - who wants a Judge who barely knows you to make decisions for you? That being...

(510) 388-4866 2016 Lewelling Blvd
San Leandro, CA 94579

(510) 388-4866 1120 E. 14th Street
Ste. F
San Leandro, CA 94577

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Reno F.R. Fernandez III

San Francisco, CA Bankruptcy Lawyer with 10 years experience

(415) 362-0449 221 Sansome Street
San Francisco, CA 94104

Bankruptcy and Business
Golden Gate University School of Law

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Macdonald Fernandez LLP focuses on business bankruptcy, reorganization and commercial litigation, including receiverships and assignments for the benefit of creditors, throughout California and pro hac vice in Delaware, the Southern District of New York. – Our clients range from enterprises with assets or amounts in controversy exceeding $100 million to small businesses, including technology companies, biotechnology companies, startups, Bitcoin-based companies, mortgage funds, national and regional banks, retail chains, medical clinics, residential care facilities for the elderly, farms, wineries, restaurants, churches, real estate developers and manufacturers. – In one example, we imposed a receivership over an operating almond reprocessing...

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Matthew G. Grech

Oakland, CA Bankruptcy Lawyer with 10 years experience

(510) 270-5602 1300 Clay St.
Suite 600
Oakland, CA 94612

Free ConsultationBankruptcy, Business, Estate Planning and Probate
St. Thomas University School of Law

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As an attorney, Matthew Grech began his career as a civil litigator. From there Mr. Grech transitioned into estate planning and probate & estate administration. As an estate planning/administration attorney Mr. Grech has assisted numerous clients manage trust and estate administrations from inception to closing, as well as guiding and facilitating the planning process. It was during this time that Mr. Grech realized that a number of his clients’ family members and friends were facing mounting financial troubles in the wake of The Great Recession. It was this realization that motivated Mr. Grech to begin practicing bankruptcy law, which...

(650) 743-2548 2000 Broadway St.
Suite 231
Redwood City, CA 94063

(408) 214-0385 111 North Market St.
Suite 300
San Jose, CA 95113

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Sally J. Elkington

Oakland, CA Bankruptcy Lawyer with 28 years experience

(510) 465-0404 409 13th street, 10th Floor
The Historic Tribune Tower
Oakland, CA 94612

Free ConsultationBankruptcy
New College School of Law of California

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Sally Elkington and James Shepherd are partners at Elkington Shepherd LLP. We file chapters 7, 11, and 13 bankruptcies. We represent Creditors on a case by case basis. We prosecute and defend lawsuits that are filed in Bankruptcy Court. Both of us are "hands on" attorneys. You will deal with us directly on your matter. Between the two of us we have over 40 years of bankruptcy experience. Our office is located in downtown Oakland with ample parking and 1/2 block from BART. Remember, Bankruptcy is not an end, it is a...

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Jeff David Hoffman

Oakland, CA Bankruptcy Lawyer with 15 years experience

(510) 451-0290 825 WASHINGTON STREET, SUITE 330
Oakland, CA 94607

Free ConsultationBankruptcy and Environmental
New Coll of CA School of Law

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I worked as a trucker for 20 years before I attended law school. I was motivated by a strong desire to serve the public. I graduated from a small, public-interest law school in San Francisco, where I had volunteered in the Housing Clinic that defended tenants from evictions. I am one of a very few Bay Area bankruptcy lawyers who does loan modifications through our bankruptcy court's program. I am also one of the very few who takes creditors to court when they violate bankruptcy laws and cause harm to my clients. Before bankruptcy law,...

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Jen Grondahl Lee

San Ramon, CA Bankruptcy Attorney with 8 years experience

(925) 586-6738 111 Deerwood Road
Suite 200
San Ramon, CA 94583

Bankruptcy and Consumer
University of Richmond School of Law

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When I opened my law firm in 2010, I was pretty much just a bankruptcy attorney. But over the years, as clients came to me with their unique challenges, I evolved my thinking beyond bankruptcy.

I've developed innovative solutions to help my clients handle their debt and credit issues. As a debt and credit strategy attorney, I show clients all options available to them, explain the consequences of each option, and guide them to decisions that fit their individual situation, budget, and timeline. Bankruptcy for my clients is the last, not first option.

My services are for individuals and business owners....

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Pauldeep Bains

Sacramento, CA Bankruptcy Attorney with 8 years experience

(916) 800-7690 180 Promenade Circle
Suite 300
Sacramento, CA 95834

Free ConsultationBankruptcy
Thomas Jefferson School of Law

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Sacramento Bankruptcy Lawyer was formed by local Sacramento bankruptcy attorney Pauldeep Bains with the specific intent of delivering impeccable personal service to all clients while utilizing a streamlined process to promote efficiency and a stress-free atmosphere. When contacting Sacramento Bankruptcy Lawyer, you will deal directly with Mr. Bains from the initial consultation all the way through the completion of your Bankruptcy case. Your case will not be handed off to a paralegal or staff member at any point during your case. Mr. Bains’ philosophy is to provide a personalized, hands-on attorney-client relationship in a detailed, logical, and respectful manner. ...

(916) 800-1406 915 Highland Pointe Dr
Ste 250
Roseville, CA 95678

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Thomas Philip Kelly III

Santa Rosa, CA Bankruptcy Attorney with 14 years experience

(707) 545-8700 50 Old Courthouse Square
Suite 609
Santa Rosa, CA 95404-4926

Free ConsultationBankruptcy, Appeals, Business and Consumer
Seattle University School of Law

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I handle bankruptcy cases, as well as litigation in state court, federal court, and the bankruptcy court. My practice is based in Sonoma County, but I also represent clients in the counties of Napa, Mendocino, Lake, and Marin. The majority of my practice is focused on matters that require extensive litigation and trials, with a particular focus on consumer financial issues, including wrongful foreclosures and debt collection practices. I am a native of Santa Rosa, and I practice with my father, Thomas P. Kelly Jr., who has been an attorney in Sonoma County for more than forty years....

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Julie S Levy

Santa Rosa, CA Bankruptcy Attorney with 10 years experience

(707) 523-1515 100 Stony Point Road
Suite 265
Santa Rosa, CA 95401

Free ConsultationBankruptcy, Estate Planning, Family and Personal Injury
Empire College School of Law

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Julie S. Levy and Zachary A. Carroll have practiced law since 2008 in solo practices. In 2009, they began sharing an office and collaborating on certain cases. This duo has turned their collaboration into Levy Carroll Law and as strong litigators, they provide a strong and determined focus for fair outcomes in their client's cases. Choose Levy Carroll Law for their strong, honest, caring representation for bankruptcy, divorce, custody, guardianship, or personal injury. Look no further as you have found a team that has your best interests at heart

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Eric Vincent Wood

Richmond, CA Bankruptcy Attorney with 4 years experience

(510) 978-4150 3150 Hilltop Mall Rd.
Richmond, CA 94806

Free ConsultationBankruptcy
John F. Kennedy University

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Mr. Wood began his legal career with the view of developing a personally rewarding practice by working directly with individuals and families. He draws upon his financial background to apply creative approaches to complex Bankruptcy issues. Mr. Wood currently provides Chapter 7 and Chapter 13 services to his clients. Prior to establishing his firm, Mr. Wood worked at a prominate Bankruptcy Law Firm counseling clients in the areas of Chapter 7 and Chapter 13 Bankruptcy and in Consumer Litigation. Mr. Wood has also worked as a project manager for Morgan Stanley Capital International and in portfolio management at Mellon...

(925) 278-6680 5179 Lone Tree Way
Antioch, CA 94531

(510) 978-4150 1300 Clay Street, Suite 600
Oakland, CA 94612

(510) 978-4150 7100 Stevenson Blvd.
Fremont, CA 94538

(925) 278-6680 11501 Dublin Blvd., #200
Dublin, CA 94568

(925) 278-6680 1501 N Broadway #261
Walnut Creek, CA 94596

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Arete Rita Kostopoulos

Oakland, CA Bankruptcy Lawyer

(510) 270-2782 7677 Oakport Street
Suite 110
Oakland, CA 94621

Bankruptcy
Wayne State University Law School

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Oakland Bankruptcy Attorney

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Christine Ann Pham

San Francisco, CA Bankruptcy Lawyer with 14 years experience

(415) 273-9220 388 Market Street, Suite 1300
San Francisco, CA 94111

Free ConsultationBankruptcy, Divorce, Domestic Violence and Family
Southwestern University School of Law

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Christine Pham is a San Francisco, Bay Area native with over 10 years of litigation experience. She now focuses her practice on helping families and couples in a range of matters, including child custody and support, spousal support (alimony, guardianship, dissolution of marriage (divorce), legal separation, and division of property.

Christine is also dedicated to helping individuals throughout the Bay Area gain their financial freedom through filing Chapter 7 or Chapter 13 bankruptcy. In the past, she was the managing attorney of the San Francisco, Oakland, San Jose, Sacramento, Fairfield and Stockton offices of the nation’s largest consumer bankruptcy...

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Ms. Lucy Zheng

Oakland, CA Bankruptcy Attorney with 6 years experience

(408) 638-7006 1300 Clay Street, Suite 600
Oakland, CA 94612

Free ConsultationBankruptcy, DUI, Divorce and Family
Loyola Law School, Los Angeles

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Lucy Zheng is a California licensed attorney, experienced in individual tax debt relief, DUI law, family law, personal bankruptcy filings, and tenant evictions. Prior to forming her own practice, Lucy worked at a law firm handling multiple client cases all throughout Northern California. She witnessed the strengths and weaknesses of a larger law firm, and thus determined she could best provide her clients with the personalized attention and service that they deserve by starting her own practice. Lucy received her Bachelor of Arts degree in Political Science with an emphasis on Public Law in only 3 years, from the University of...

(408) 638-7006 800 N. 1st St., Suite 201
San Jose, CA 95112

(408) 638-7006 201 Spear Street, Suite 1100
San Francisco, CA 94105

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Joanna Lynn Stevenson

Oakland, CA Bankruptcy Attorney with 11 years experience

(510) 506-5688 1300 Clay Street, Suite 600
Oakland, CA 94612

Free ConsultationBankruptcy
Ventura COL

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Pham and Stevenson are experienced attorneys that help clients file for Chapter 7 bankruptcy and Chapter 13 bankruptcy at a low cost. Pham and Stevenson have offices throughout the Bay Area for your convenience. San Francisco Bankruptcy Attorneys 201 Spear Street, Suite 1100 San Francisco, CA 94105 Oakland Bankruptcy Attorneys 1300 Clay Street, Suite 600 Oakland, CA 94612 San Jose Bankruptcy Attorneys 111 N. Market Street, Suite 300 San Jose, CA 95113 Fairfield Bankruptcy Attorneys 1652 West Taxes Fairfield, CA 94533 Sacramento Bankruptcy Attorneys 770 L Street, Suite 950 Sacramento, CA 95814

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Scott Jordan

San Ramon, CA Bankruptcy Lawyer with 11 years experience

(925) 362-3598 18 Crow Canyon Court
Suite 280
San Ramon, CA 94583

Free ConsultationBankruptcy, Collections, Estate Planning and Probate
University of Southern California Gould School of Law

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I represent individuals and small to medium sized businesses in bankruptcy, foreclosure defense and debt consolidation matters. For individuals, I represent clients in Chapter 7 and Chapter 13 bankruptcy proceedings, including adversary proceedings, including 2nd home mortgage lien stripping, redemption of vehicles and student loan reductions. For businesses, I provide services related to the winding down of a business, board and management consultations and bankruptcy debt consolidation in Chapter 11. In conjunction with my bankruptcy practice, I also provide estate planning, probate and trust administration representation. The best way to avoid probate is to plan properly by drafting...

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Basil John Boutris

Oakland, CA Bankruptcy Attorney with 32 years experience

(510) 430-1518 7677 Oakport St., Suite 1140
Oakland, CA 94621

Bankruptcy, Estate Planning, Probate and Tax
University of California, Berkeley School of Law

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My law firm specializes in all aspects of tax planning and tax controversy, trust and estate planning and litigation, business formation and bankruptcy (primarily relating to business/tax debts). I have over 30 years of experience as a tax specialist.

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Candace Y. Brooks

Sacramento, CA Bankruptcy Lawyer with 22 years experience

(916) 927-4989 555 University Ave
#130
Sacramento, CA 95825

Free ConsultationBankruptcy, Business and Foreclosure Defense
Lincoln University

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James V. Sansone

Santa Rosa, CA Bankruptcy Lawyer with 11 years experience

(707) 542-5611 1260 N. Dutton Ave.
Suite 135
Santa Rosa, CA 95401

Bankruptcy, Criminal, Divorce and Domestic Violence
Empire College of Law

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The Law Office of James V. Sansone was founded with the goal of providing individuals and local business owners with a meaningful and cost-efficient alternative to large law firms. We are pleased to offer experienced legal representation, while still offering reasonable rates that are favorable to what clients might expect in a large law firm setting. Personal service is also a priority at our firm. When people face difficult legal challenges, they need a dedicated advocate who will take time to answer their questions, explain their rights, return their phone calls and keep them informed about the status of their case....

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Len Watkins

Richmond, CA Bankruptcy Attorney with 31 years experience

(510) 237-6916 125 Park Place
Suite 210
Richmond, CA 94801

Free ConsultationBankruptcy, Antitrust, Business and Foreclosure Defense
University of San Francisco School of Law

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A resident of Oakland, Len spent much of his legal career with prestigious, top-ranked, San Francisco law firms. Mr. Watkins brings the same level of expertise, and standard of excellence, to his practice in the East Bay. Focusing on consumer bankruptcy and business law, Mr. Watkins’ depth of experience and training include: A Masters of Business Administration, concentrating on finance, from the University of California, at Davis A stock brokerage license (inactive) from the National Association of Securities Dealers A California Real Estate Broker’s license Previous Experience Business Attorney Norris & Norris (now...

(510) 788-0675 1900 Powell Street
Suite 840
Emeryville, CA 94608

(510) 788-0040 1300 Clay Street
Room 600
Oakland, CA 94612

Bankruptcy Lawyers in Nearby Counties

FAQ Lawyers Get Listed

Napa Bankruptcy Legal Aid & Pro Bono Services

Legal Aid of Napa Valley
(707) 255-4933
Napa, CA

Legal Aid of North Bay Private Attorney Involvement Program
Napa, CA

Related Practice Areas

Collections
Consumer Law
Foreclosure Defense

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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