Pomona, California Bankruptcy Lawyers

Matthew David Resnik
PREMIUM

California Bankruptcy Attorney with 23 years experience

Matthew Resnik received his Juris Doctorate in 1996. Matthew Resnik has dedicated his legal career exclusively to Consumer Bankruptcy, representing financially distressed individuals against their creditors. Dedicated to... Read More »
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Andre Amin Khansari
PREMIUM

California Bankruptcy Lawyer with 17 years experience

University of Southern California Law SchoolCalifornia
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Devin Sawdayi
PREMIUM

Free Consultation! Aggressive and Trusted California Bankruptcy Law Attorney!

I represent bankruptcy clients with knowledge, experience, and diligence. I am committed to providing the excellent service and the best possible results! Visit my website for reviews. Call for a free consultation. Read More »
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Victor J. Yoo
PREMIUM

Skilled Bankruptcy Representation! Consult an Experienced Bankruptcy Attorney!

I am a dedicated and thorough bankruptcy law attorney. I will work diligently to advocate for your rights and interests in bankruptcy law issues. Visit my website to see client testimonials or call for a consultation. Read More »
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Robert Davis
Claimed Lawyer Profile
Diamond Bar, CA Bankruptcy Attorney with 11 years experience
(714) 674-7420 20955 Pathfinder Road Ste. 100
Diamond Bar, CA 91765
Bankruptcy
Bankruptcy Attorney Robert A. Davis helps clients with Debt Relief and Chapter 7 and Chapter 13 Bankruptcy.
Pomona, CA Bankruptcy Lawyer with 42 years experience
(909) 469-6087 333 W Mission Blvd
Pomona, CA 91766
Bankruptcy, Collections and Personal Injury
Western States University College of Law
Diamond Bar, CA Bankruptcy Lawyer with 39 years experience
(909) 598-3747 414 S Prospectors Rd Ste G
Diamond Bar, CA 91765
Bankruptcy, Divorce, Estate Planning and Family
Western State Univ COL
Diamond Bar, CA Bankruptcy Lawyer with 42 years experience
(909) 861-6700 P O Box 4670
Diamond Bar, CA 91765
Bankruptcy and Tax
Univ of Wisconsin Law School
Diamond Bar, CA Bankruptcy Attorney with 26 years experience
(909) 612-5787 23535 Palomino Dr
Diamond Bar, CA 91765
Bankruptcy, Divorce, Estate Planning and Family
Southwestern Univ School of Law
Diamond Bar, CA Bankruptcy Lawyer with 38 years experience
(909) 861-2889 556 N Diamond Bar Blvd #210
Diamond Bar, CA 91765
Bankruptcy, Medical Malpractice and Personal Injury
Western State Univ
Diamond Bar, CA Bankruptcy Attorney with 40 years experience
(714) 545-9200 2781 Wagon Train Ln
Diamond Bar, CA 91765
Bankruptcy and Business
Univ of LaVerne COL
Eddie Lee Abner
Claimed Lawyer Profile
San Dimas, CA Bankruptcy Attorney with 37 years experience
(909) 599-2101 163 W Bonita Ave, Suite B
San Dimas, CA 91773
Bankruptcy, DUI, Divorce and Family
Whittier Coll School of Law
Attorney Eddie L. Abner has been successfully representing his clients in bankruptcy and family law cases since 1982. He takes pride in providing aggressive & effective legal representation, and helping his clients resolve their legal problems.
Marc Elliot Grossman
Claimed Lawyer ProfileSocial Media
Upland, CA Bankruptcy Lawyer with 20 years experience
(909) 608-7426 100 N Euclid Ave
Suite 201
Upland, CA 91786
Free ConsultationBankruptcy, Business and Criminal
Univ of LaVerne COL
Grossman studied at the University of California at Los Angeles (1984-1987) matriculating in psychology and business and the University of California at Santa Cruz (1988-1990) attaining a Bachelor of Arts degree in Philosophy. During law school, Grossman worked as a substitute high school teacher and as a vest-pocket coin dealer. Grossman attained a Juris Doctor degree from the University of La Verne College of Law in 1998 and was admitted to the California State Bar in November, 1998.
Fred W Edwards
Claimed Lawyer ProfileSocial Media
Chino Hills, CA Bankruptcy Lawyer
(909) 888-8588 4195 Chino Hills Pkwy #1024
Chino Hills, CA 91709
Bankruptcy, Estate Planning and Probate
Trinity International University
Fred Edwards is an Attorney and founder of Edwards Legal. Fred has focused his practice areas on Probate law, Estate Planning, Bankruptcy, and Employment Law.

Mr. Edwards received his Juris Doctor degree from Trinity Law School where he was a Articles Editor for Trinity Law Review and received honors as a Moot Court competitor. He was a member of the Christian Legal Society, the Black Law Students Association and the elected Student Body. He received his undergraduate degrees from the University of La Verne where he was an Alpha Lambda Delta Honor Society member. Mr. Edwards also has an MBA with...
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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Michael Jay Berger
PREMIUM

California Bankruptcy Lawyer with 37 years experience

  • Free Consultation
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... Read More »
10.0Justia Lawyer Rating for Michael Jay Berger
Eugene Mayonte Palacios
Claimed Lawyer ProfileSocial Media
West Covina, CA Bankruptcy Lawyer with 17 years experience
(626) 331-8188 1050 Lakes Drive, Suite 231
West Covina, CA 91790
Bankruptcy, Divorce, Estate Planning and Immigration
Attorney Eugene M. Palacios is an immigrant from the Philippines and the founder and principal attorney of the Law Offices of Eugene M. Palacios. He is licensed as an attorney in California since 2001 and in the Philippines since 1997. He is admitted to practice before U.S. Immigration Courts, the U.S. Central District Court, and California State Courts.
Neil Robert Hedtke
Claimed Lawyer Profile
West Covina, CA Bankruptcy Attorney with 8 years experience
(626) 593-1556 1050 Lakes Drive
Suite 225
West Covina, CA 91790
Free ConsultationBankruptcy, Elder, Foreclosure Defense and Probate
University of La Verne College of Law
Neil R. Hedtke is licensed to practice law in both California and Arizona. Mr. Hedtke received his Bachelor of Science at the United States Military Academy at West Point, New York in 1992. After graduating, he served five years in the United States Army and is a graduate of the Airborne and Ranger schools.
Mr. Hedtke attended the University of La Verne College of Law, where he received his Juris Doctor degree.
Prior to opening his own practice, Mr. Hedtke practiced law with several local law firms as an Associate. Over the past several...
David Robert Gunnin
Claimed Lawyer ProfileSocial Media
Chino, CA Bankruptcy Attorney with 40 years experience
15338 Central Avenue
Chino, CA 91710
Bankruptcy and Tax
Western State Univ
Attorney Gunnin is ready to take on your case and support you! When you come to the Law Offices of David R. Gunnin, a Chino bankruptcy lawyer will be glad to come to your assistance and support you. Attorney Gunnin obtained his Bachelor of Science degree at the University of North Carolina. He later furthered his education by earning his Juris Doctorate from Western State University College of Law. He has a thorough understanding of bankruptcy law, having served clients for more than 34 years. He is a member of the Inland Empire Bankruptcy Forum and the California State Bar...
Suzette Douglas
Claimed Lawyer ProfileQ&ASocial Media
Chino, CA Bankruptcy Attorney with 29 years experience
(909) 342-6229 15338 Central
Chino, CA 91710
Bankruptcy
University of Texas - Austin
Abby Ann Wood
Claimed Lawyer ProfileSocial Media
Covina, CA Bankruptcy Attorney with 19 years experience
(626) 859-1100 1175 E. Garvey St., Ste. 210
Covina, CA 91724
Bankruptcy, Civil Rights and Workers' Comp
Wake Forest Univ School of Law
Mark Duane Edelbrock
Claimed Lawyer Profile
Rancho Cucamonga, CA Bankruptcy Lawyer with 41 years experience
(909) 987-4707 7365 Carnelian St
Rancho Cucamonga, CA 91730
Bankruptcy, Business, Estate Planning and Real Estate
Western State Univ
Michael Erik Clark
Claimed Lawyer ProfileSocial Media
West Covina, CA Bankruptcy Attorney with 22 years experience
(626) 430-9717 100 Barranca St
Ste 250
West Covina, CA 91791
Bankruptcy
Quinnipiac Univ School of Law
Robert McCoy
Claimed Lawyer Profile
Ontario, CA Bankruptcy Attorney with 26 years experience
(909) 467-1169 204 N San Antonio Ave
Ontario, CA 91762
Bankruptcy, Arbitration & Mediation, Collections and Consumer
California Western School of Law
Phillip Myer
Claimed Lawyer Profile
Upland, CA Bankruptcy Attorney
(909) 389-6100 1869 W Foothill Blvd
Upland, CA 91786
Bankruptcy
Joseph Wilson
Claimed Lawyer ProfileQ&ASocial Media
Yorba Linda , CA Bankruptcy Attorney with 17 years experience
(714) 463-4430 18281 Lemon Drive
Yorba Linda , CA 92886
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...
G. Thomas Martin III
PREMIUM

California Bankruptcy Lawyer with 17 years experience

Loyola Law School, Los Angeles9th Circuit and California
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Nicholas J. Bontrager
PREMIUM

California Bankruptcy Attorney with 11 years experience

Nicholas J. Bontrager (Nicholas) received his J.D. from the University of La Verne College of Law in 2007 and his B.A. in Law and Society with a Minor in Global Peace and Security from the University of California at... Read More »
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Michael Jay Berger
Claimed Lawyer ProfileQ&ALII GoldSocial MediaResponsive Law
515 South Flower Street, 36th Floor
Los Angeles, CA 90071
Free ConsultationLos Angeles, 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...
Omar Alfredo Zambrano
Claimed Lawyer ProfileSocial Media
Baldwin Park , CA Bankruptcy Attorney with 15 years experience
(800) 562-0004 12738 East Ramona Blvd.
Baldwin Park , CA 91706
Free ConsultationBankruptcy, DUI, Divorce and Family
USC Law School
About Law Offices Of Omar Zambrano I have practiced law in the State of California since 2003. Over the course of my career, I have represented thousands of clients in a variety of areas of law such as immigration, bankruptcy, real estate, civil litigation of many kinds, estate planning, probate, business law, contracts, personal injury, and guardianship. Competence: I graduated from one of the top law schools in the country, the University of Southern California (USC). I graduated with high honors from USC and I excel in all social and political debates. Friendly, relaxed office atmosphere: I...
Nicholas Watts Gebelt
Claimed Lawyer ProfileSocial Media
Whittier, CA Bankruptcy Lawyer with 18 years experience
(562) 777-9159 15150 Hornell St
Whittier, CA 90604
Bankruptcy
University of Virginia School of Law
As a Board Certified Bankruptcy Specialist, I understand the subtleties of bankruptcy law and can help you avoid unnecessarily losing your assets. Whether you are struggling with personal debt or own a business that is experiencing financial troubles, you can rely on my skill and expertise to guide you through your Chapter 7, 11, or 13 bankruptcy. I am extremely detail-oriented and thorough. I emphasize pre-petition planning as a way of avoiding post-petition problems. I stand up for your rights against debt collectors and hold creditors accountable for their actions when they violate the law. Most importantly, I care about...
Stephen B Mashney
Claimed Lawyer ProfileSocial Media
Anaheim, CA Bankruptcy Attorney with 26 years experience
(800) 555-6655 335 N Brookhurst Street
Anaheim, CA 92801
Free ConsultationBankruptcy, Personal Injury, Products Liability and Workers' Comp
San Francisco Law School
Born on the 4th of July, Stephen Mashney has independence in his genes! Since childhood, he confronted bullies & fought his way from elementary school till today. Stephen will not look the other way when he sees injustice. He will fight for the underdog & win. Stephen has compassion for & respect to others including animals. As a child, Stephen adopted countless stray cats & dogs & he would not hurt a fly today.
In 1978, Mr. Mashney received his Bachelor of Pharmacy degree from Cairo University, Egypt & worked as a pharmacist in Ramallah. In 1979, he immigrated...
Filemon Kevin Samson
Claimed Lawyer ProfileSocial Media
Anaheim, CA Bankruptcy Lawyer with 17 years experience
(714) 529-1234 970 N. Tustin Avenue
2nd Floor
Anaheim, CA 92807
Free ConsultationBankruptcy, Business and Real Estate
USC Law School
Filemon Kevin Samson is a graduate of the University of Southern California, Gould School of Law. Mr. Samson received his Bachelors degree from the University of California at Berkeley, double-majoring in Economics and Interdisciplinary Studies with an emphasis on Urban Development. Mr. Samson has a broad range of professional legal practice areas in his role as managing attorney of the Samson Law Office, including Bankruptcy, Trusts, Wills and Estate Planning, Civil Litigation and Business and Corporate law practice. Mr. Samson also enjoys teaching college courses as an Instructor of Law and Business. Mr...
Rachelle Shakoori
Claimed Lawyer ProfileBlawgsearchSocial Media
Rancho Cucamonga, CA Bankruptcy Lawyer with 21 years experience
(877) 529-4545 9431 Haven Ave
#100
Rancho Cucamonga, CA 91730
Bankruptcy, Business, Consumer and Employment
Pepperdine University School of Law
Rachelle was a founding member of Fakhimi & Associates before leaving to join a major corporation as its Associate In-house Counsel where she oversees the company's every day legal affairs such as reviewing and drafting of all business contracts, drafting of manufacturing and reseller agreements, advising the company's director of Human Resources on employment law issues and other matters which might need legal input. She has since re-established her own practice devoted to consumer bankruptcy law and loan modification. As a former member of our team Ms. Shakoori is a trusted and reliable consultant to Employment Law Team and...
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.
Marc Aaron Goldbach
Claimed Lawyer ProfileBlawgsearchSocial Media
Long Beach, CA Bankruptcy Attorney with 30 years experience
(562) 216-8296 111 West Ocean Boulevard, Ste 400
Long Beach, CA 90802
Free ConsultationBankruptcy, Criminal, Employment and Personal Injury
Southwestern University School of Law
For more then 2 decades, Mr. Marc Aaron Goldbach has worked tirelessly to develop a successful bankruptcy and civil law practice for clients located throughout Los Angeles County. Whether his clients are facing insurmountable debt, foreclosure, serious felony charges, immigration or other legal issues such as personal injuries, workplace harassment, family and medical leave act violations, whistle blowing and retaliation, consumer law, criminal defense they can be rest assured that Marc Aaron Goldbach will take all steps necessary to fight for their legal rights to protect their interests. Marc Goldbach has represented many legal cases with 100% success...
Kenneth Sisco
Claimed Lawyer ProfileQ&AResponsive Law
Norco, CA Bankruptcy Lawyer with 42 years experience
(714) 265-7766 3574 Bluff Street
Norco, CA 92860
Free ConsultationBankruptcy, Business and Legal Malpractice
Southwestern Univ School of Law
The only thing worse than getting beat up, is getting beat up by the one who is supposed to protect you. You are not alone. When you are let down by the person in whom you placed your utmost Trust, you need a very special kind of representation. I have Decades of experience aggressively dealing with attorneys from all areas of practice.

EDUCATION
Graduated from Paramount High School, Paramount, California, 1962
Graduated from California State University, Long Beach, Long Beach, California, 1968. B.S. Degree in Social Sciences. B.S Degree in Political Science.
Graduated from Southwestern University School of Law,...
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'...
David Lozano
Claimed Lawyer Profile
West Covina, CA Bankruptcy Lawyer with 26 years experience
(626) 802-5680 1900 W. Garvey Avenue S.
Suite 240
West Covina, CA 91790
Bankruptcy
Quinnipiac Univ School of Law
It is our bankruptcy law firm’s goal to protect all of your possessions and get you back on track to financial security by guiding you through the bankruptcy process.
Mike Singh Sethi
Claimed Lawyer Profile
Norwalk, CA Bankruptcy Attorney with 12 years experience
(562) 864-1909 16204 Pioneer Blvd
Norwalk, CA 90650
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...
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...
John-Paul Anthony Serrao
Claimed Lawyer ProfileSocial Media
Ontario, CA Bankruptcy Attorney with 17 years experience
(909) 906-9040 800 N. Haven Avenue
Suite 205
Ontario, CA 91764
Free ConsultationBankruptcy, DUI, Medical Malpractice and Personal Injury
Southwestern University School of Law
A graduate of York University in Toronto, Canada, Mr. Serrao earned his law degree at Southwestern University School of Law in Los Angeles, California. He is admitted to practice before all California State and Federal courts, as well as the United States Supreme Court. He is an aggressive personal injury and criminal defense attorney who has been representing clients in the Inland Empire over the past decade and has several convenient offices to serve clients, including locations in Ontario, Victorville, Redlands and Riverside. Mr. Serrao's criminal practice focuses on defending individuals faced with misdemeanor or felony charges...
Attorney John Joseph Buckey Jr.
Claimed Lawyer Profile
Corona, CA Bankruptcy Attorney with 25 years experience
(951) 278-2224 1450 W 6th St
Ste. 116
Corona, CA 92882
Free ConsultationBankruptcy, Divorce and Family
Western State College of Law at Argosy University
Have MBA and Law Degree, specialize in bankruptcy, family law, Divorce
William L Huestis
Claimed Lawyer ProfileSocial Media
Los Angeles, CA Bankruptcy Attorney with 12 years experience
(888) 815-3546 3435 Wilshire Blvd., #1100
Los Angeles, CA 90010
Bankruptcy, Elder, Estate Planning and Probate
Chapman University Fowler School of Law and Chapman University Fowler School of Law
Matthew Edward Sheasby
Claimed Lawyer Profile
Rancho Cucamonga, CA Bankruptcy Lawyer with 21 years experience
(909) 922-2543 9227 Haven Ave.
Suite 280
Rancho Cucamonga, CA 91730
Bankruptcy, Arbitration & Mediation, Divorce and Elder
Golden Gate Univ School of Law
Lorrie Anne Walton
Claimed Lawyer Profile
Anaheim, CA Bankruptcy Attorney with 27 years experience
(714) 978-9988 2300 E Katella Ave
Anaheim, CA 92806
Bankruptcy and Criminal
Western State Univ COL
Laila Havre Jacobsma
Claimed Lawyer ProfileSocial Media
Santa Fe Springs, CA Bankruptcy Attorney with 26 years experience
(562) 219-2747 12631 E. Imperial Highway
Suite D-126
Santa Fe Springs, CA 90670
Bankruptcy, Animal, Arbitration & Mediation and Legal Malpractice
Pepperdine University School of Law and Western State College of Law at Argosy University
Min Stephen Cho
Claimed Lawyer Profile
Rancho Cucamonga, CA Bankruptcy Lawyer with 17 years experience
(909) 652-3020 10535 Foothill Blvd
Suite 490
Rancho Cucamonga, CA 91730
Bankruptcy, Business, Divorce and Foreclosure Defense
Western State Univ COL
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Bankruptcy Lawyers in Nearby Cities

Bankruptcy Lawyers in Nearby Counties

Pomona Bankruptcy Legal Aid & Pro Bono Services

Legal Services Program for Pasadena and San Gabriel-Pomona Valley
(909) 622-7455
Pomona, CA


San Gabriel Valley LRS
(626) 966-5530
Covina, 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.