Vacaville, California Bankruptcy Lawyers

Seth L. Hanson
PREMIUM

California Bankruptcy Attorney with 17 years experience

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... Read More »
10.0Justia Lawyer Rating for Seth L. Hanson View Profile
Elaine Cerveno
Claimed Lawyer Profile
Vacaville, CA Bankruptcy Lawyer with 27 years experience
(707) 646-1178 PO Box 1873
Vacaville, CA 95696
Free ConsultationBankruptcy, Business, Collections and Estate Planning
Boston University School of Law
Pamela Curulewski Jackson
Claimed Lawyer Profile
Vacaville, CA Bankruptcy Attorney with 40 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
Vacaville, CA Bankruptcy Lawyer with 23 years experience
(707) 448-3310 2601 Nut Tree Rd
Vacaville, CA 95687
Bankruptcy
McGeorge School of Law Univ of the Pacific
Vacaville, CA Bankruptcy Lawyer with 32 years experience
(707) 386-1414 900 Shelter Cove Ct
Vacaville, CA 95688
Bankruptcy, Divorce and Family
Golden Gate Univ School of Law
Seth L. Hanson
Claimed Lawyer ProfileLII GoldBlawgsearchSocial Media
(707) 385-0422 1652 West Texas Street
Fairfield, CA 94533
Free ConsultationFairfield, CA Bankruptcy Attorney with 17 years experience
Bankruptcy
Brigham Young Univ J Reuben Clark LS UT
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...
Lindsay R. Torgerson
Claimed Lawyer ProfileSocial MediaResponsive Law
Napa, CA Bankruptcy Attorney with 11 years experience
(707) 669-0841 2045 Jefferson St, Ste E
Napa, CA 94559
Bankruptcy, Divorce and Family
William Howard Taft University
Family Law services including divorce, child custody, visitation, and support matters in Sonoma, Marin, Lake, Mendocino, and Napa Counties. Experienced 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
Candace Y. Brooks
Claimed Lawyer ProfileLII SilverSocial MediaResponsive Law
(707) 421-8884 1652 West Texas Street
Fairfield, CA 94533
Free ConsultationFairfield, CA Bankruptcy Lawyer with 23 years experience
Bankruptcy, Business and Foreclosure Defense
Lincoln Law School of Sacramento
Candace opened her own law practice in 1996. Candace’s law practice focuses on helping clients with their bankruptcy and business needs.

For the past 23 years, Candace has devoted her law practice to assisting individuals and businesses through the difficult process of re-organization, examination of all options, and filing for protection under the federal bankruptcy law.

Candace has fought for the rights of numerous individuals and businesses facing economic uncertainty which has required representation in the federal Bankruptcy Courts, and advising individuals and businesses on a fresh economic recovery after bankruptcy.

Candace was a "military brat" and moved...
Stephen Reynolds
Claimed Lawyer Profile
Davis, CA Bankruptcy Lawyer with 28 years experience
(530) 297-5030 424 2nd St
Davis, CA 95616
Free ConsultationBankruptcy
University of California - Davis
Representation of debtors, creditors and trustees in bankruptcy court since 1990.
Ronda Leigh Connor
Claimed Lawyer Profile
Napa, CA Bankruptcy Lawyer with 15 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
Matthew Smith
Claimed Lawyer Profile
Fairfield, CA Bankruptcy Attorney with 15 years experience
(707) 425-1415 710 Missouri Street
Fairfield, CA 94533
Bankruptcy, Business, Collections and Family
McGeorge School of Law Univ of the Pacific
Marc A. Carpenter
PREMIUM

California Bankruptcy Lawyer with 34 years experience

Mr. Carpenter has been a member of the State Bar of California since 1985. He brings considerable legal experience with corporate, business, and financial transactions. Mr. Carpenter’s legal experience includes buying... Read More »
View Profile
Candace Y. Brooks
PREMIUM

California Bankruptcy Lawyer with 23 years experience

Candace opened her own law practice in 1996. Candace’s law practice focuses on helping clients with their bankruptcy and business needs. For the past 23 years, Candace has devoted her law practice to assisting... Read More »
10.0Justia Lawyer Rating for Candace Y. Brooks View Profile
Michele Poteracke
Claimed Lawyer Profile
Fairfield, CA Bankruptcy Lawyer with 30 years experience
(707) 571-1109 550 Webster Street, Suite 3
Fairfield, CA 94533
Bankruptcy and Family
McGeorge School of Law Univ of the Pacific
Davis, CA Bankruptcy Attorney with 45 years experience
(530) 848-9266 1435 Marina Cir
Davis, CA 95616
Bankruptcy, Estate Planning and Personal Injury
McGeorge School of Law Univ of the Pacific
Napa, CA Bankruptcy Attorney with 42 years experience
(707) 259-1650 2033 Big Ranch Rd
Napa, CA 94558
Bankruptcy, Business, Insurance Defense and Real Estate
UC Hastings COL
Fairfield, CA Bankruptcy Lawyer with 40 years experience
(925) 932-7086 1652 West Texas Street
Fairfield, CA 94533
Bankruptcy and Business
Univ of Wisconsin Law School
Davis, CA Bankruptcy Lawyer with 41 years experience
(530) 756-1265 1723 Oak Ave
Davis, CA 95616
Bankruptcy, Divorce and Family
Davis, CA Bankruptcy Attorney with 20 years experience
(530) 753-7523 3026 Genaro Pl
Davis, CA 95618
Bankruptcy and Criminal
Lincoln Law School
Napa, CA Bankruptcy Lawyer with 40 years experience
(707) 253-8500 587 Jefferson St
Napa, CA 94559
Bankruptcy, Business and Estate Planning
Univ of San Diego School of Law
Fairfield, CA Bankruptcy Attorney with 43 years experience
(707) 429-1990 710 Missouri St
Ste 3
Fairfield, CA 94533
Bankruptcy and Estate Planning
John F Kennedy Univ School of Law
Davis, CA Bankruptcy Lawyer with 41 years experience
(916) 929-6464 1313 Hemlock Ln
Davis, CA 95616
Bankruptcy, Business, Estate Planning and Real Estate
UC Davis School of Law King Hall
Fairfield, CA Bankruptcy Attorney with 21 years experience
(707) 422-5411 2300 Boynton Ave Ste 104
Fairfield, CA 94533
Bankruptcy, Divorce, Family and Personal Injury
Univ of Nebraska COL
Napa, CA Bankruptcy Attorney with 5 years experience
(707) 257-8100 2350 1st St
Napa, CA 94559
Bankruptcy and Medical Malpractice
Victor J. Yoo
Claimed Lawyer ProfileQ&ABlawgsearchSocial Media
Oakland, CA Bankruptcy Lawyer with 25 years experience
(888) 553-8000 1300 Clay St #600
Oakland, CA 94612
Bankruptcy, Business, Estate Planning and Tax
Southwestern University School of Law
Mr. Yoo's practice focuses on tax and bankruptcy litigation. He has represented clients in both criminal and civil cases against the California Franchise Tax Board, State Board of Equalization and Employment Development Department and Internal Revenue Service (IRS). He has handled matters including IRS and sales tax audits, tax fraud investigations, Report of Foreign Bank and Financial Accounts (FBAR) and innocent spouse claims. Mr. Yoo also represents debtors and creditors in Chapter 7, 11 & 13 bankruptcy proceedings, including tax bankruptcy cases.
Manuel Alzamora Juarez
Claimed Lawyer ProfileQ&ASocial MediaResponsive Law
Berkeley, CA Bankruptcy Lawyer with 20 years experience
(510) 206-4492 2143 Cedar St., Suite 200
Berkeley, CA 94709
Free ConsultationBankruptcy, Landlord Tenant and Personal Injury
San Francisco Law School
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...
Adam David Garcia
Claimed Lawyer ProfileQ&ASocial MediaResponsive Law
(916) 596-1018 4050 Truxel Road # C
Sacramento, CA 95834
Free ConsultationSacramento, CA Bankruptcy Lawyer with 7 years experience
Bankruptcy
James E. Rogers College of Law, University of Arizona and University of California, Berkeley School of Law
Adam Garcia is the founder and principal bankruptcy attorney at Sacramento Law Group LLP. Through years of practicing bankruptcy law Adam has developed a streamlined and efficient method for processing chapter 7 and chapter 13 bankruptcy cases. When contacting Sacramento Law Group LLP you will deal directly with an attorney and not a bankruptcy paralegal. From the first phone consultation to the final petition signing you will deal 1 on 1 with an attorney. Your case will not be handed off to a non-attorney at any point throughout your case. Adam's philosophy is to deliver...
Reno F.R. Fernandez III
Claimed Lawyer ProfileQ&ASocial Media
San Francisco, CA Bankruptcy Lawyer with 11 years experience
(415) 362-0449 221 Sansome Street
San Francisco, CA 94104
Bankruptcy and Business
Golden Gate University School of Law
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...
Eric Morgan Boeing
Claimed Lawyer ProfileSocial Media
Oakland, CA Bankruptcy Lawyer with 12 years experience
(510) 761-6230 1300 Clay St, Ste 600
Oakland, CA 94612
Free ConsultationBankruptcy, Consumer and Estate Planning
UC Hastings COL
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...
Robert Chang
Claimed Lawyer ProfileSocial Media
Oakland, CA Bankruptcy Lawyer with 8 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
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...
Julie S Levy
Claimed Lawyer ProfileSocial Media
Santa Rosa, CA Bankruptcy Attorney with 11 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
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
Gary Ray Fraley
Claimed Lawyer ProfileSocial Media
Sacramento, CA Bankruptcy Lawyer with 41 years experience
(800) 675-1005 1401 El Camino Ave
Suite 370
Sacramento, CA 95815
Free ConsultationBankruptcy
UCLA School of Law
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...
Sally J. Elkington
Claimed Lawyer ProfileQ&ASocial Media
Oakland, CA Bankruptcy Lawyer with 29 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
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...
Jen Grondahl Lee
Claimed Lawyer ProfileSocial Media
San Ramon, CA Bankruptcy Attorney with 9 years experience
(925) 586-6738 111 Deerwood Road
Suite 200
San Ramon, CA 94583
Bankruptcy and Consumer
University of Richmond School of Law
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....
Michael A. Hackard
Claimed Lawyer ProfileSocial Media
Mather, CA Bankruptcy Lawyer with 43 years experience
10630 Mather Blvd.
Mather, CA 95655
Bankruptcy, Business, Estate Planning and Probate
University of the Pacific, McGeorge School of Law
Michael A. Hackard. Michael A. Hackard is the principal attorney of Hackard Law Corporation - a Sacramento, California firm which represents wealthy families with extensive business interests as well as clients impoverished by the wrongdoing of others. Dedicated to clients. Hackard Law Corporation’s work also includes the representation of individuals, partnerships, limited liability companies, trustees and corporations involved in residential and commercial real estate development, homebuilding companies, construction businesses, general commercial real estate, and general commercial enterprises.The lawyers at Hackard Law also focus on civil and bankruptcy litigation, fiduciary litigation, will contests, trust contests, trust decanting, beneficiary rights, probate administration,...
Jeff David Hoffman
Claimed Lawyer ProfileSocial Media
Oakland, CA Bankruptcy Lawyer with 16 years experience
(510) 451-0290 825 WASHINGTON STREET, SUITE 330
Oakland, CA 94607
Free ConsultationBankruptcy and Environmental
New Coll of CA School of Law
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,...
Scott Jordan
Claimed Lawyer ProfileQ&ASocial Media
San Ramon, CA Bankruptcy Lawyer with 12 years experience
(925) 913-0275 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
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...
Pauldeep Bains
Claimed Lawyer ProfileSocial Media
Sacramento, CA Bankruptcy Attorney with 9 years experience
(916) 800-7690 180 Promenade Circle
Suite 300
Sacramento, CA 95834
Free ConsultationBankruptcy
Thomas Jefferson School of Law
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. ...
Scott Dale Mitchell
Claimed Lawyer ProfileSocial Media
Stockton, CA Bankruptcy Attorney with 14 years experience
(209) 529-7406 20 North Sutter
Suite 202
Stockton, CA 95202
Free ConsultationBankruptcy, Criminal, DUI and Divorce
Humphrey's Coll School of Law
Scott Mitchell is highly experienced in a wide range of legal matters, including bankruptcy, personal injury, criminal defense, and divorce. He has handled thousands of cases, developing an in-depth knowledge and a nuanced understanding of many areas of the law. Nothing substitutes real-world experience and proven knowledge, and with Attorney Mitchell, you have access to a seasoned attorney who knows the ins and outs of many state and federal courts. He works hard for his clients in order to get the right results. If you would like to see how Attorney Mitchell can help you, call for a FREE consultation.
Charles Quentin Jakob
Claimed Lawyer Profile
Carmichael, CA Bankruptcy Attorney with 25 years experience
(916) 900-4244 7144 Fair Oaks Blvd.
Suite 3A
Carmichael, CA 95608
Free ConsultationBankruptcy, Appeals, Business and Collections
Ohio State University - Columbus
Mr. Jakob earned his bachelor's degree (dual major in economics and government) from the College of Arts & Sciences at Cornell University. He earned his master's degree in economics from Duke University. After working in Washington, DC for National Economic Research Associates he earned his MBA, with a focus on finance, on a scholarship to what is now the Fisher College of Business at Ohio State University. While there he earned his law degree from what is now the Moritz College of Law. In law school he was a member of the school's ABA moot court...
Thomas Philip Kelly III
Claimed Lawyer ProfileSocial Media
Santa Rosa, CA Bankruptcy Attorney with 15 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
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....
Greg Hartman
Claimed Lawyer ProfileSocial Media
Oakland, CA Bankruptcy Lawyer with 11 years experience
(510) 227-5325 1300 Clay St.
Suite 600
Oakland, CA 94612
Free ConsultationBankruptcy, Business and Real Estate
Santa Clara University School of Law
Gregory S. Hartman is an attorney, CPA, and Certified Insolvency & Restructuring Advisor (credential pending). Mr. Hartman's practice involves representing both debtors and creditors in bankruptcy proceedings. He has expertise in chapter 11 businesses reorganization. Prior to starting Hartman Bankruptcy Law, Mr. Hartman represented secured creditors and trustees in bankruptcy cases. Mr. Hartman also worked for the United States Trustee's Office where he worked in an oversight role of chapter 11 cases and trustee administration. Mr. Hartman is a long-time resident of the Bay Area, living in the East Bay with his wife...
Mikalah Raymond Liviakis
Claimed Lawyer ProfileSocial Media
(916) 459-2364 1215 K Street
Sacramento, CA 95814
Free ConsultationSacramento, CA Bankruptcy Lawyer with 11 years experience
Bankruptcy and Foreclosure Defense
University of the Pacific, McGeorge School of Law
I have been helping Californians keep their homes while reducing their credit card debt since 2008. I am confident that our firm can solve most mortgage, credit card, and medical debt problems. We specialize in bankruptcy, including chapter 13, chapter 7, and chapter 11. But we also offer alternatives to bankruptcy, such as debt settlement. We are A+ rated by the Better Business Bureau and we offer a free initial consultation. Call us today to start your new financial direction with confidence. 916-459-2364.
Lawyer Rating
Years of Experience
Language
Fees
Profile Strength
Bankruptcy Lawyers in Nearby CitiesBankruptcy Lawyers in Nearby Counties

Vacaville Bankruptcy Legal Aid & Pro Bono Services

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


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

Show More

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.