San Jose, California Bankruptcy Lawyers

Michael William Malter
PREMIUM

Dedicated & Experienced Bankruptcy Attorney! Aggressive Legal Representation!

I have provided determined and skilled advocacy for bankruptcy law needs for over 35 years. I am committed to exceptional counsel and representation! Visit my website to see representative cases, call for a consultation. Read More »
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David Duperrault
PREMIUM

Exceptional Counsel & Advocacy! Dedicated to Meeting Your Bankruptcy Law Needs!

I provide skilled and aggressive representation for bankruptcy law matters. I am committed to achieving the best possible outcomes for your legal needs! Visit my website for reviews and results. Call for a consultation. Read More »
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Christian P. Binder
PREMIUM

Knowledgeable California Bankruptcy Attorney! Exceptional Advice & Advocacy!

I am a dedicated and determined bankruptcy attorney. I will aggressively advocate for your rights and interests in bankruptcy law matters! Visit my website for representative clients and cases, call for a consultation. Read More »
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David Blaise Rao
PREMIUM

Experienced Bankruptcy Lawyer! Dedicated to Aggressive Counsel & Representation!

For over 30 years, I have been successfully advising clients with bankruptcy matters. I am committed to the best possible results for your legal needs! Visit my website for representative cases. Call for a consultation. Read More »
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Matthew G. Grech
Claimed Lawyer ProfileSocial Media
San Jose, CA Bankruptcy Lawyer with 11 years experience
(408) 214-0385 111 North Market St.
Suite 300
San Jose, CA 95113
Free ConsultationBankruptcy, Business, Estate Planning and Probate
St. Thomas University School of Law
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...
Jon G. Brooks
Claimed Lawyer ProfileQ&ABlawgsearchSocial Media
San Jose, CA Bankruptcy Lawyer with 18 years experience
(408) 286-2766 1900 The Alameda
Suite 520
San Jose, CA 95126
Free ConsultationBankruptcy
Santa Clara Univ School of Law
We are a San Jose Bankruptcy Law Firm representing individual consumer debtors and small businesses. We help our clients free themselves from debt while helping to restore their dignity. We represent clients in Chapter 7, Chapter 11, and Chapter 13 bankruptcy throughout the Bay Area.
August Bullock
Claimed Lawyer Profile
San Jose, CA Bankruptcy Lawyer with 31 years experience
(408) 504-4095 2059 Camden Ave
San Jose, CA 95124
Bankruptcy
I have been a bankruptcy lawyer since 1988. I have helped thousands of people solve their debt problems and start a new life. Please watch my video to learn more about me.
Ronald Wilcox
Claimed Lawyer ProfileSocial Media
San Jose, CA Bankruptcy Lawyer with 24 years experience
(800) 537-9393 2021 The Alameda
Suite 200
San Jose, CA 95126
Free ConsultationBankruptcy, Collections and Consumer
Indiana University
Javed Inam Ellahie
Claimed Lawyer ProfileSocial Media
SAN JOSE, CA Bankruptcy Lawyer with 44 years experience
(408) 294-0404 12 South First Street, Suite 600
SAN JOSE, CA 95113
Bankruptcy, Estate Planning, Probate and Real Estate
Santa Clara Univ School of Law
Javed Ellahie's practice focuses on estate planning, probate, real estate law and bankruptcy. He carries a Martindale-Hubbell “AV-rating”, the highest rating of legal knowledge and ethics.
He is a certified bankruptcy law specialist (certified by the State Bar of California, Board of Legal Specialization) and has frequently lectured at seminars for bankruptcy law specialists. Mr. Ellahie has also served as a Trustee to the Santa Clara County Bar Association and the West-Valley Mission Community College District.

Mr. Ellahie’s estate planning experience includes setting up estate plans such as simple and complex trusts, drafting irrevocable trusts, family limited partnership, charitable trusts...
Victoria Maydanik
Claimed Lawyer ProfileBlawgsearchSocial Media
San Jose, CA Bankruptcy Attorney with 10 years experience
(408) 673-0111 95 S. Market St Ste 300
San Jose, CA 95113
Free ConsultationBankruptcy
Santa Clara University School of Law
At the Maydanik Law Firm, we serve consumers in Santa Clara, San Mateo, San Francisco, Santa Cruz and San Benito counties in Northern California by providing affordable bankruptcy help.
Frederick William Schwinn
Claimed Lawyer ProfileSocial Media
San Jose, CA Bankruptcy Lawyer with 21 years experience
(408) 294-6100 1435 Koll Circle, Suite 104
San Jose, CA 95112-4610
Free ConsultationBankruptcy, Business and Consumer
Washburn University School of Law
Fred W. Schwinn is a licensed attorney admitted to practice in the States of California and Kansas. Fred is the shareholder and owner of the Consumer Law Center, Inc. His practice is dedicated exclusively to representing consumer debtors in bankruptcy, stopping predatory and abusive consumer lending practices, and protecting consumers from illegal debt collection activity.

In 1997, Fred graduated from Washburn University School of Law in Topeka, Kansas where he organized and volunteered at the law school's Volunteer Income Tax Assistance site. While other law students were training in the law school's legal clinic, Fred began his legal career in...
David Duperrault
Claimed Lawyer ProfileLII GoldBlawgsearchSocial Media
San Jose, CA Bankruptcy Lawyer with 38 years experience
(408) 573-5700 One North Market St.
Suite 200
San Jose, CA 95113
Bankruptcy, Business, IP and Real Estate
University of Michigan Law School
Stanley Phong Phan
Claimed Lawyer Profile
San Jose, CA Bankruptcy Lawyer with 16 years experience
(408) 232-4900 2092 Concourse Drive, Ste 49
San Jose, CA 95131
Free ConsultationBankruptcy, Estate Planning, Personal Injury and Real Estate
Lincoln Law Sch of San Jose
Merrisa L. Coleman-Bishop
Claimed Lawyer ProfileSocial Media
San Jose, CA Bankruptcy Attorney with 27 years experience
(408) 217-8506 1035 Minnesota Ave
#H
San Jose, CA 95125
Free ConsultationBankruptcy, Divorce, Domestic Violence and Family
Western State College of Law at Argosy University
Wendy Watrous Smith
PREMIUM

Over 25 Years of Experience! Exceptional Bankruptcy Counsel & Representation!

I am a dedicated and skilled bankruptcy law attorney. I am committed to aggressive advocacy to obtain the best possible results for bankruptcy matters! Visit my website for representative cases, call for a consultation. Read More »
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Heinz Binder
PREMIUM

Exceptional Representation! Over 35 Years of Bankruptcy Experience & Success!

I provide knowledgeable and aggressive legal counsel and advocacy for bankruptcy law matters. I am dedicated to the best possible outcomes! Visit my website for representative clients and cases. Call for a consultation. Read More »
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Ryan Dewey Griffin
Claimed Lawyer ProfileSocial Media
San Jose, CA Bankruptcy Attorney with 13 years experience
(408) 998-7211 181 Devine Street
San Jose, CA 95110
Bankruptcy, Business, Foreclosure Defense and Insurance Claims
California Western School of Law
I maintain offices in San Jose and Sacramento where I run a general practice with a focus on bankruptcy. Call for a chapter 7, 13 or 11 bankruptcy consultation, or contact us with your issues related to small business, real estate, or personal injury.
Christina Deadwiler Esq.
Claimed Lawyer ProfileSocial Media
San Jose, CA Bankruptcy Attorney with 25 years experience
2880 Zanker Road, Suite 203
San Jose, CA 95134
Free ConsultationBankruptcy and Traffic Tickets
University of San Francisco School of Law
Christina Deadwiler is committed to assisting consumers through the bankruptcy process and providing legal representation on Chapter 7 and Chapter 13 bankruptcy filings.
Ms. Lucy Zheng
Claimed Lawyer ProfileSocial Media
San Jose, CA Bankruptcy Attorney with 6 years experience
(408) 638-7006 800 N. 1st St., Suite 201
San Jose, CA 95112
Free ConsultationBankruptcy, DUI, Divorce and Family
Loyola Law School, Los Angeles
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...
Lars Terence Fuller
Claimed Lawyer ProfileSocial Media
San Jose, CA Bankruptcy Attorney with 30 years experience
(408) 295-5595 60 North Keeble Avenue
San Jose, CA 95126
Bankruptcy
Santa Clara University
The Fuller Law Firm, PC was founded in 1990 by Attorney Lars Fuller, Esq. Mr. Fuller received his Bachelor of Sciences degree in Chemistry from Santa Clara University, which was also where he received his Juris Doctorate degree. Attorney Fuller believes it is important to give back to the community, which is why he occasionally teaches bankruptcy law in continuing legal education courses. Attorney Sam Taherian, Esq. earned his Bachelor of Sciences degree in Finance and a Master of Science degree in Computer Engineering from San Jose State University. He then earned his Juris Doctorate degree from California Western School...
Ryan Penhallegon Esq.
Claimed Lawyer ProfileLII SilverBlawgsearchSocial Media
San Jose, CA Bankruptcy Attorney with 15 years experience
(408) 441-7500 1754 Technology Drive
Suite 135
San Jose, CA 95110
Bankruptcy, Business, Construction and Real Estate
Santa Clara University School of Law and University of Washington
Kathryn E. Barrett
Claimed Lawyer ProfileBlawgsearchSocial Media
San Jose, CA Bankruptcy Lawyer with 27 years experience
(408) 573-5700 One North Market St.
Suite 200
San Jose, CA 95113
Bankruptcy, Business, Employment and Real Estate
Santa Clara University School of Law
Wayne Sinnett
Claimed Lawyer ProfileSocial Media
San Jose, CA Bankruptcy Attorney
(408) 673-9433 111 Market Street
Suite 300
San Jose, CA 95113
Bankruptcy, Collections and Consumer
California Western School of Law
Wayne Sinnett, the founder of Sinnet Law. A lawyer passionate about consumer rights, he’s a man of service, to both the country and its citizens.

After 9/11, Wayne enlisted in the Marines and served as an explosives technician. After his military service, Wayne went on to attend California State University San Marcos and earn a dual degree in Criminology and Sociology. After receiving his diplomas, he was offered an academic scholarship to California Western School of Law. There, he developed his strong interest for consumer protection law, which is all about representing and fighting for the rights of everyday people.

Ready to...
John T. Nguyen
Claimed Lawyer ProfileSocial Media
San Jose, CA Bankruptcy Lawyer with 6 years experience
(408) 800-5646 1625 The Alameda Ste 800
San Jose, CA 95126
Free ConsultationBankruptcy, Family and Personal Injury
John is a trial lawyer and litigator. His practice includes personal injury, family law, debt collection defense, and consumer bankruptcy. In his first trial as lead attorney, he has secured a verdict for his client following a five-day jury trial in a disputed liability auto accident case. Most recently, John has secured a defense verdict on behalf of his client against a major bank following a bench trial in a debt collection case. In 2016, John was selected as a member of The National Advocates Top 100 Lawyers. This is the second year in a row...
James 'Ike' Shulman
Claimed Lawyer ProfileSocial Media
San Jose, CA Bankruptcy Lawyer
1501 The Alameda
San Jose, CA 95126
Bankruptcy
Santa Clara University School of Law
When a new bankruptcy law went into effect in 2005, Ike quickly immersed himself in the new law, and was selected by NACBA as one of a handful of trainers to educate over 3000 attorneys on how to practice under the new law. "The new law put up a number of roadblocks to keep working people from getting a fresh start," Ike says with passion in his voice. "But we have learned to work with the new law, and are achieving excellent results for our clients." Ike and his wife Margaret, a retired special education teacher, live in...
David Alexander Yomtov
Claimed Lawyer Profile
San Jose, CA Bankruptcy Attorney with 25 years experience
(408) 993-0808 111 W. St. John St. Suite 700
San Jose, CA 95113
Bankruptcy, Divorce, Domestic Violence and Family
Lincoln Law Sch of San Jose
Robert G. Harris
PREMIUM

California Bankruptcy Law Attorney with Extensive Experience & Skill! Call Now!

I am a passionate legal advocate for those with bankruptcy needs. I will work tirelessly to advocate for your legal rights and interests! Visit my website for representative clients and cases. Call for a consultation. Read More »
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Julie Hope Rome-Banks
PREMIUM

Dedicated & Skilled Bankruptcy Law Attorney! Over 20 Years of Legal Experience!

I provide exceptional representation for bankruptcy law matters. I am committed to obtaining the best possible outcomes for your bankruptcy needs! Visit my website for representative cases. Call for a consultation. Read More »
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Eddy Hsu
Claimed Lawyer Profile
San Jose, CA Bankruptcy Attorney with 13 years experience
(408) 625-1138 111 North Market Street
Suite 300
San Jose, CA 95113
Bankruptcy, Estate Planning and Family
University of San Francisco
David C Hsu
Claimed Lawyer Profile
San Jose, CA Bankruptcy Attorney with 11 years experience
941 W. Hedding St.
San Jose, CA 95126
Bankruptcy
Santa Clara University School of Law
Andrew A. Moher
Claimed Lawyer Profile
San Jose, CA Bankruptcy Lawyer
(408) 650-8900 http://moherlaw.com/?
San Jose, CA 95131
Bankruptcy
Jeffrey Moore
Claimed Lawyer ProfileQ&ASocial Media
Campbell, CA Bankruptcy Attorney with 28 years experience
(408) 915-8043 155 E. Campbell Avenue
Suite 121
Campbell, CA 95008
Bankruptcy, Business, Divorce and Family
Santa Clara University School of Law
Attorney Jeffrey M. Moore has 20 years experience assisting consumers and small business in Silicon Valley. He was raised in Santa Clara County, graduated from Santa Clara University School of Law (Juris Doctor) and Santa Clara Leavey School of Business (MBA). Mr. Moore is a recognized authority in family, bankruptcy, and landlord/tenant law. Visit our website for information on how we can assist you with your legal issue.
Timothy Allen Reed
Claimed Lawyer Profile
Campbell, CA Bankruptcy Lawyer with 13 years experience
(408) 879-2628 1999 S. Bascom Ave, Suite 700
Campbell, CA 95008
Bankruptcy
Santa Clara Univ School of Law
Michael William Malter
Claimed Lawyer ProfileLII GoldBlawgsearchSocial Media
Santa Clara, CA Bankruptcy Lawyer with 39 years experience
(408) 295-1700 2775 Park Ave
Santa Clara, CA 95050
Bankruptcy, Business, IP and Landlord Tenant
Santa Clara University School of Law
James T. Erickson
Claimed Lawyer ProfileSocial Media
Santa Clara, CA Bankruptcy Attorney
(408) 919-0088 2930 Bowers Avenue
Santa Clara, CA 95051
Bankruptcy, Business and Consumer
Santa Clara University School of Law
Jim Erickson received his Juris Doctor from Santa Clara University School of Law in 2004 (having transferred from Wisconsin Law School in Madison). Jim graduated in the top 10% of his law school class and was on the Dean's List from 2002-2004, while also serving as a research assistant for two professors. He was the Book Review Editor and Ethics Editor for the Santa Clara Law Review, where he published two articles. After graduating he received an unsolicited Fellows Scholarship, and was awarded membership in the prestigious Order of the Coif.
Wendy Watrous Smith
Claimed Lawyer ProfileLII GoldBlawgsearch
Santa Clara, CA Bankruptcy Attorney with 31 years experience
(408) 295-1700 2775 Park Ave
Santa Clara, CA 95050
Bankruptcy, Arbitration & Mediation, Business and IP
University of Iowa
David Blaise Rao
Claimed Lawyer ProfileLII GoldBlawgsearch
Santa Clara, CA Bankruptcy Lawyer with 37 years experience
(408) 295-1700 2775 Park Ave
Santa Clara, CA 95050
Bankruptcy and Business
Santa Clara University School of Law
I represent individuals and businesses as debtors and creditors in Chapter 7, 11 and 13 cases. I am able to provide my clients with individual attention, and I take pride in the fact that I respond immediately to all client inquiries and always keep my clients apprised of the status of their case. I have been a Chairperson of the San Jose Chapter 13 Committee, and have been with Binder & Malter, LLP since 1986.
John L. Mlnarik
Claimed Lawyer ProfileSocial Media
Santa Clara, CA Bankruptcy Lawyer with 11 years experience
(408) 919-0088 2930 Bowers Avenue
Santa Clara, CA 95051
Bankruptcy
Lincoln University
Before organizing The Mlnarik Law Group, John, was the valedictorian of his graduating class at the Lincoln Law School of San Jose. While in law school, John received numerous awards and scholarships and was editor-in-chief of the Lincoln Law Review. Prior to attending law school he obtained bachelor degrees in Economics and English from Santa Clara University and worked in the legal field as a paralegal for Walkers Global in the Cayman Islands and Ericksen Arbuthnot in San Jose. John is a member of the National Association of Consumer Bankruptcy Attorneys, the William A. Ingram Inns of Court,...
Ryan Penhallegon Esq.
PREMIUM

San Jose, CA Bankruptcy Attorney with 15 years experience

Santa Clara University School of Law and University of WashingtonUSDC: Eastern District of California, USDC: Northern District of California, Washington and California
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Christian P. Binder
Claimed Lawyer ProfileLII GoldBlawgsearch
Santa Clara, CA Bankruptcy Lawyer
(408) 295-1700 2775 Park Ave
Santa Clara, CA 95050
Bankruptcy, Business and Real Estate
Santa Clara University School of Law
Robert G. Harris
Claimed Lawyer ProfileLII GoldBlawgsearch
Santa Clara, CA Bankruptcy Attorney
(408) 295-1700 2775 Park Ave
Santa Clara, CA 95050
Bankruptcy, Business, Landlord Tenant and Real Estate
University of California - Hastings College of the Law
Julie Hope Rome-Banks
Claimed Lawyer ProfileLII GoldBlawgsearch
Santa Clara, CA Bankruptcy Attorney with 30 years experience
(408) 295-1700 2775 Park Ave
Santa Clara, CA 95050
Bankruptcy and Business
University of California - Hastings College of the Law
Heinz Binder
Claimed Lawyer ProfileLII GoldBlawgsearchSocial Media
Santa Clara, CA Bankruptcy Attorney with 40 years experience
(408) 295-1700 2775 Park Ave
Santa Clara, CA 95050
Bankruptcy, Business, Landlord Tenant and Real Estate
Santa Clara University School of Law
Julie Bettencourt Cliff
Claimed Lawyer ProfileSocial Media
Los Gatos, CA Bankruptcy Lawyer with 15 years experience
(719) 331-0727 20 S. Santa Cruz Ave., Ste. 300
Los Gatos, CA 95030
Free ConsultationBankruptcy, Appeals and Business
I have a successful business litigation and civil appellate practice. I also represent both debtors and creditors in Chapter 7, Chapter 11 and Chapter 13 bankruptcies. I represent individuals and businesses in Chapter 11 reorganizations. I also represent both plaintiffs and defendants in bankruptcy adversary proceedings in the United States Bankruptcy Court for the Northern District of California and the Eastern District of California.
Gemma V. Reyes
Claimed Lawyer ProfileSocial Media
Santa Clara, CA Bankruptcy Lawyer
(408) 292-6289 900 Lafayette Street
Suite 201, Room 12
Santa Clara, CA 95050
Bankruptcy, Divorce, Domestic Violence and Family
Santa Clara University School of Law
Attorney Gemma V. Reyes has over 20 years of experience as a family law attorney, conducting research, negotiations, and litigation in that field of law. She also has experience practicing in both the civil and criminal law. Attorney Reyes has a commitment to the State of California and therefore she's chosen to live, study, and practice in this state. Attorney Reyes has appeared and argued in both State and Federal Courts, litigating and arguing various motions. She has successfully worked with a wide range of people from different communities and socio-economic levels, and she adapts well to change and...
Nina C Decker Esq.
Claimed Lawyer ProfileSocial Media
Santa Clara, CA Bankruptcy Lawyer with 6 years experience
(408) 919-0088 2930 Bowers Ave
Santa Clara, CA 95051
Bankruptcy, Estate Planning and Probate
Santa Clara University School of Law
Nina Decker is a licensed attorney in California. She obtained her law degree from Santa Clara University in 2012. While in law school, Nina was the Editor-in-Chief of the Santa Clara Journal of International Law, and received Witkin and CALI awards for academic achievement. She also interned for Chief Magistrate Judge Maria-Elena James of the US District Court for the Northern District of California. A native of Boise, Idaho, Nina also has a Bachelor's Degree in Sociology from Boise State University. After graduating from Santa Clara University, Nina worked as a Graduate Fellow with the Northern California Innocence Project,...
William M. Kaufman Esq.
Claimed Lawyer ProfileSocial Media
Mountain View, CA Bankruptcy Attorney with 12 years experience
(650) 691-2888 777 Cuesta Drive
Suite 200
Mountain View, CA 94040
Free ConsultationBankruptcy, Collections, Construction and Insurance Defense
Santa Clara University School of Law and University of Arizona
William Kaufman has been a litigator throughout his career and has extensive experience in multiple practice areas of civil litigation. Mr. Kaufman’s legal career began representing individuals in bankruptcy and family law matters. Over the last several years, his focus has been exclusively on construction litigation. Prior to joining Lockhart Park. LLP, Mr. Kaufman was an associate attorney at Leonidou & Rosin representing large general contractors, subcontractors, and suppliers in construction litigation matters involving mechanic’s liens, stop payment notice, payment bonds and delay claims. Thereafter, Mr. Kaufman was a senior associate at LaMore, Brazier, Riddle &...
Shah Iqbal Nawaaz Peerally
Claimed Lawyer ProfileBlawgsearchSocial Media
Newark, CA Bankruptcy Attorney with 15 years experience
(510) 742-5887 37600 Central Ct.
Suite 202
Newark, CA 94560
Bankruptcy and Immigration
New Coll of CA School of Law
Cynthia Jean Nelson
Claimed Lawyer ProfileQ&A
Fremont, CA Bankruptcy Attorney with 12 years experience
(510) 910-1619 39180 Liberty St. Ste 220
Fremont, CA 94538
Free ConsultationBankruptcy and Consumer
Indiana University - Indiana University-Bloomington
My mission is to help people cope with the financial crisis by advising them about bankruptcy solutions to their credit or foreclosure problems. When people have mortgages that are much larger than the value of their house, or when they are sued for credit card debt, or when their pay checks or bank accounts are garnished, bankruptcy can be a very powerful tool to help people get their lives back under control. At Nelson Wegner LLP we work for individuals and small businesses who have been hit hard by tough circumstances. Our website offers free bankruptcy information. http://www.nelsonwegner.com/bankruptcy-faq.html We also offer free...
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San Jose Bankruptcy Legal Aid & Pro Bono Services

AIDS Legal Services
(408) 293-3135
San Jose, 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.