Seminole, Florida Bankruptcy Lawyers

Christie D. Arkovich
PREMIUM

Free consultation, experienced representation in bankruptcy cases. Call now!

I’m an experienced Florida bankruptcy lawyer and I represent clients who are in need of debt relief. My practice includes Chapter 7 and Chapter 13 and I can help you determine which is best for your situation. Read More »
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Howard Iken
PREMIUM

Florida Bankruptcy Lawyer with 14 years experience

Attorney Howard Iken is the founder and managing partner of Ayo and Iken PLC, a law firm helping clients with divorce, custody, bankruptcy, criminal defense, and debtor defense. We have offices throughout Tampa Bay and... Read More »
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Matthew Podolsky
PREMIUM

Bankruptcy Attorney

We are A+ Rated by the Better Business Bureau with hundreds of 5-star reviews. We understand clients need solutions, not overpriced legal fees. Our mission is to provide high quality representation at a reasonable cost. Read More »
10.0Justia Lawyer Rating for Matthew Podolsky View Profile
Brice Zoecklein
PREMIUM

Florida Bankruptcy Attorney

Mr. Zoecklein currently focuses his practice on Plaintiff's Civil Litigation. His team is currently litigating cases throughout the State of Florida in the practice areas of probate administration, estate litigation,... Read More »
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Wesley Robert Stacknik
Claimed Lawyer Profile
Seminole, FL Bankruptcy Lawyer with 42 years experience
(727) 398-4496 6260 Seminole Blvd
Seminole, FL 33772
Bankruptcy, Consumer, Divorce and Social Security Disability
Largo, FL Bankruptcy Attorney with 41 years experience
(727) 588-7050 11351 Ulmerton Rd
Largo, FL 33778
Bankruptcy, Appeals, Business and Criminal
University of Florida, Fredric G. Levin College of Law
Seminole, FL Bankruptcy Lawyer with 19 years experience
(727) 399-8300 5666 Seminole Blvd
Seminole, FL 33772
Bankruptcy, Business and Personal Injury
Duke University School of Law
Seminole, FL Bankruptcy Lawyer with 47 years experience
(727) 397-4555 7985 113th St
Seminole, FL 33772
Bankruptcy, Estate Planning and Personal Injury
Zachary D. Herman
Claimed Lawyer ProfileSocial Media
Largo, FL Bankruptcy Attorney with 8 years experience
(727) 584-8161 200 Clearwater Largo Rd S
Largo, FL 33770
Free ConsultationBankruptcy, Estate Planning, Maritime and Personal Injury
Florida State University College of Law
Attorney Zachary D. Herman is passionate about defending the rights of his client. Call or email today to schedule a consultation.
Mark E. Schleben
Claimed Lawyer Profile
Clearwater, FL Bankruptcy Lawyer
(727) 443-3600 1423 S. Fort Harrison Ave
Clearwater, FL 33756
Bankruptcy, Arbitration & Mediation, Divorce and Family
Gary Baker
Claimed Lawyer Profile
Clearwater, FL Bankruptcy Attorney with 46 years experience
(727) 793-0066 2963 Gulf to Bay Blvd, Suite 100
Clearwater, FL 33759
Bankruptcy, Business and Real Estate
The University of Chicago Law School
Gary H. Baker, P.A. is a full-service law firm which represents clients in a number of areas concerning consumer debt. Our consumer debt practice is primarily focused around bankruptcy filings, foreclosure defense, collection accounts or other civil law suits, and mortgage modifications. Mr. Baker has over 35 years of experience assisting clients. He has represented consumer debtors, as well as privately and publicly traded companies. A graduate of the University of Chicago Law School, following his undergraduate degree from the University of Oklahoma, Mr. Baker is admitted to practice law in both Florida and Oklahoma.
John F. McGuire
Claimed Lawyer ProfileSocial Media
Clearwater, FL Bankruptcy Lawyer with 25 years experience
(727) 446-7659 1173 N.E. Cleveland Street
Clearwater, FL 33755
Bankruptcy, Divorce, Family and Personal Injury
University of Detroit Mercy School of Law
Call us today and we’ll be happy to set up an appointment to discuss your legal needs. Put our team to work for you, and you will receive our guarantee of hard work and proven legal knowledge. In Clearwater and throughout the Tampa Bay area, contact McGuire Law Offices for all your legal needs.
Christopher Boss
Claimed Lawyer ProfileSocial Media
St Petersburg, FL Bankruptcy Attorney
(727) 471-0039 9887 4th St N, Suite 202
St Petersburg, FL 33702
Bankruptcy and Personal Injury
Stetson University College of Law
Backed with years of experience, Attorney Christopher E. Boss has what it takes to help you get out of a difficult financial maze. Over the years, Attorney Boss has dedicated his practice on cases involving bankruptcy, real property litigation, residential and commercial real estate transactions, residential and commercial lending, collections, consumer protection, and debt restructuring. With this being said, no case is too big or too small for him. When you become a client of Attorney Boss, you can rest easily knowing that an aggressive and knowledgeable lawyer is there to represent you. With the utmost respect, he stands...
David Thorpe
Claimed Lawyer ProfileBlawgsearchSocial Media
Clearwater, FL Bankruptcy Attorney with 22 years experience
(727) 796-5600 3000 Gulf to Bay Boulevard #313
Clearwater, FL 33759
Bankruptcy, Estate Planning, Family and Foreclosure Defense
Stetson University
David Thorpe is originally from the Detroit Michigan area, but since 1988 he has been a resident of Tampa, Florida. Mr. Thorpe has been practicing in the Tampa Bay area since 1997. Upon being admitted to the Florida Bar in 1997, Mr. Thorpe served as a federal law clerk to the judges in the Middle District of Florida. Afterwards he worked as assistance legal counsel for the Hillsborough County Sheriffâs Office. He is a member of the Florida Bar and is licensed and authorized to practice in all state courts in Florida, the United States District Court for the Middle District...
Barbara C. Leon
PREMIUM

Florida Bankruptcy Lawyer with 17 years experience

I have been a Florida licensed attorney for almost 15 years since graduation from Stetson College of Law in 2002 with honors. In addition to being an editor on Stetson’s Law Review, I gained practical experience... Read More »
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Ian R. Leavengood
Claimed Lawyer ProfileSocial Media
St Petersburg, FL Bankruptcy Attorney with 14 years experience
(727) 346-6050 3900 First Street North, Suite #100
St Petersburg, FL 33703
Bankruptcy, Foreclosure Defense, IP and Stockbroker Fraud
Levin College of Law
If you are struggling with financial difficulties or debt, then you know how overwhelming and frightful the future may feel. Creditors may be harassing you, causing a lot of stress throughout your daily life. You do not deserve to live under such stress. Our attorneys can help you in your time of distress and discover a path that may lead you to financial stability. It is important that you do not waste any more time. A Florida bankruptcy attorney can help you decide if bankruptcy is right for you and give you legal advice whether you need assistance with fair...
Mr Michael A Ziegler
Claimed Lawyer Profile
(727) 538-4188 2561 Nursery Road
Suite A
Clearwater, FL 33764
Free ConsultationClearwater, FL Bankruptcy Attorney with 9 years experience
Bankruptcy, Collections, Consumer and Foreclosure Defense
The Law Office of Michael A. Ziegler, P.L. provides legal representation for consumers facing debt-related legal issues, including foreclosure, bankruptcy, credit card lawsuit, debt negotiation, and creditor harassment claims. Prior to opening his own law firm, Attorney Michael “Mike” Ziegler was in private practice with the Law Office of Robert Eckard & Associates, P.A. where he handled numerous cases in foreclosure, bankruptcy, and other civil litigation issues. Before joining The Law Office of Robert Eckard and Associates, P.A., Attorney Ziegler served a financially sensitive client base as an advocate at Jacksonville Area Legal Aid. Attorney Ziegler implementing legal strategies...
David Lee Jones
Claimed Lawyer Profile
Clearwater, FL Bankruptcy Attorney with 35 years experience
2451 McMullen Booth Road, Suite 200
Clearwater, FL 33759
Bankruptcy, Divorce, Estate Planning and Family
Ted A Barrett
Claimed Lawyer Profile
Dunedin, FL Bankruptcy Lawyer with 33 years experience
(727) 733-5012 505 Patricia Avenue
Dunedin, FL 34698
Bankruptcy and Probate
Western Michigan University Cooley Law School
Gary Alan Carnal
Claimed Lawyer Profile
St Petersburg, FL Bankruptcy Lawyer with 43 years experience
(727) 381-8181 6528 Central Ave
St Petersburg, FL 33707
Bankruptcy, Estate Planning, Probate and Real Estate
Stetson University
Kenneth Wade Lockwood
Claimed Lawyer Profile
Clearwater, FL Bankruptcy Lawyer
(727) 538-7774 13575 58th Street North
Clearwater, FL 33760
Bankruptcy
Mr. Carmen Dellutri
Claimed Lawyer ProfileQ&ASocial Media
(813) 670-7588 4830 West Kennedy Boulevard
Suite 600
Tampa, FL 33609
Free ConsultationTampa, FL Bankruptcy Lawyer with 26 years experience
Bankruptcy, Consumer, Foreclosure Defense and Personal Injury
Loyola University New Orleans College of Law and Tulane University School of Law
Carmen Dellutri is the Founder and President of the Dellutri Law Group, P.A. He is certified by the American Board of Certification Consumer in bankruptcy law. He is also a Florida Supreme Court Certified Circuit Court and Family Law Mediator and a Qualified Arbitrator.

Carmen has qualifications that we could list for days but it's his personal stories that drive him to be the best. Carmen is not just an Attorney, he is a family man. His wife and children are his daily "why".

He is especially passionate about seeking justice for victims of Drunk Driving. Carmen was not only...
Stephen K. Hachey
Claimed Lawyer ProfileQ&ASocial MediaResponsive Law
(727) 228-2747 13575 58th St. N Ste 248
Clearwater, FL 33760
Free ConsultationClearwater, FL Bankruptcy Lawyer with 14 years experience
Bankruptcy, Business, Foreclosure Defense and Real Estate
Florida State University College of Law
Mr. Hachey opened his law practice in Tampa, Florida in 2007. Mr. Hachey is admitted to the Florida Bar and is licensed to practice law in the state of Florida. Prior to launching his legal career, Mr. Hachey earned an undergraduate degree from Indiana University in accounting and performed tax consulting services as a Certified Public Accountant for Arthur Andersen in Chicago, Illinois. Mr. Hachey is also a graduate of Florida State University, earning his law degree in 2005.

Mr. Hachey is also a current member of the National and Florida Board of Realtors, the American Institute of Certified Public Accountants,...
Matthew Podolsky
Claimed Lawyer ProfileQ&ALII GoldSocial Media
(844) 209-5001 1408 N. West Shore Blvd
Suite 114
Tampa, FL 33607
Free ConsultationTampa, FL Bankruptcy Attorney with 7 years experience
Bankruptcy, Divorce, Family and Foreclosure Defense
Stetson University
Florida Law Advisers, P.A., is a full service law firm with concentrations in: Divorce, Bankruptcy, Family Law, Wage Garnishment, Child Custody, and Home Foreclosure Defense. We understand that clients need solutions to their problems, not overpriced legal fees. Our firm's mission is to deliver high quality legal representation at a reasonable cost.

Florida Law Advisers is well recognized both locally and nationally for our legal counsel, we are A+ rated by the Better Business Bureau and have been featured in publications throughout the country.

If you have a problem that requires legal representation, we may be able to help. Please...
Christie D. Arkovich
Claimed Lawyer ProfileQ&ALII GoldBlawgsearchSocial MediaResponsive Law
Tampa, FL Bankruptcy Attorney with 27 years experience
(813) 258-2808 1520 W Cleveland St
Tampa, FL 33606
Free ConsultationBankruptcy and Foreclosure Defense
Stetson University College of Law
We are a law firm helping people to reduce student loans and other debts, including filing bankruptcy if necessary. Don't believe others who say nothing can be done about student loans - we are seeing fantastic results every day! I was formerly trial counsel for Sallie Mae and other student loan servicers in bankruptcy dischargeability cases. I "switched sides" and now represent student loan borrowers and other debtors both inside and outside of bankruptcy. Since getting rid of student loans is so difficult in bankruptcy, we have had to get creative in finding ways to reduce...
Gary R. Jodat
Claimed Lawyer Profile
Tampa, FL Bankruptcy Lawyer with 26 years experience
(813) 225-7200 4315 W. Kennedy Blvd.
Tampa, FL 33609
Free ConsultationBankruptcy, Divorce, Family and Personal Injury
Stetson University College of Law
Gary Jodat enjoys living in Sarasota with his wife, 2 younger children and their dog Drake, a Yorkshire Terrier. During leisure time, his family enjoys swimming, boating and the beach. The 3 older children attended Manatee County schools and are no longer at home. Gary R. Jodat is the founding attorney of Jodat Law Group, P.A. started in 1994. He received his Juris Doctor Degree from Stetson University College of Law in 1993 and his undergraduate degree from Roger Williams University. Fresh out of law school he was an Assistant Public Defender trying criminal, Juvenile...
Carol A Lawson
Claimed Lawyer ProfileSocial Media
Clearwater, FL Bankruptcy Attorney with 21 years experience
(727) 410-2705 28870 US Highway 19 N #300
Clearwater, FL 33761
Free ConsultationBankruptcy, Consumer, Estate Planning and Foreclosure Defense
Western Michigan University Cooley Law School
Timothy J. Sierra
Claimed Lawyer ProfileSocial Media
Tampa, FL Bankruptcy Attorney with 32 years experience
(877) 492-7449 118 South Rome Avenue
Tampa, FL 33606
Free ConsultationBankruptcy
Indiana University - Indiana University-Bloomington
I am Timothy J. Sierra, a bankruptcy attorney with more than 24 years of legal experience. I specialize 100% of my practice in bankruptcy and work with clients in the Tampa Bay, Riverview, and Brandon areas. Visit our website at www.timsierra.com or give me a call today at (813)258-3455 to schedule a free initial consultation.
Barbara C. Leon
Claimed Lawyer ProfileLII GoldBlawgsearchSocial Media
Tampa, FL Bankruptcy Lawyer with 17 years experience
(813) 258-2808 1520 W Cleveland St
Tampa, FL 33606
Free ConsultationBankruptcy, Consumer and Foreclosure Defense
Stetson University College of Law and University of South Florida
I have been a Florida licensed attorney for almost 15 years since graduation from Stetson College of Law in 2002 with honors. In addition to being an editor on Stetson’s Law Review, I gained practical experience through an internship with the United States’ Attorney’s office and a clerkship with a Federal Magistrate Judge. Thereafter, I worked in consumer bankruptcy practice for approximately 5 years. I then spent some time in creditor practice before returning to my happy place: bankruptcy. I spent about another 5 years representing both individual and corporate debtors in Ch. 7, 11, and 13 before joining Ms....
Robert G. Whittel Esq.
Claimed Lawyer ProfileBlawgsearchSocial Media
(727) 823-0000 200 Central Ave
#400
St Petersburg, FL 33701
Free ConsultationSt Petersburg, FL Bankruptcy Lawyer with 18 years experience
Bankruptcy, Criminal, Divorce and Personal Injury
University of Cambridge and University of Florida Levin College of Law
An experienced trial attorney, Robert Whittel provides his clients with strong, disciplined, results-oriented representation. Prior to becoming a lawyer, he served as a Lieutenant Commander in the US Navy. Robert graduated from both law school and the United States Merchant Marine Academy with honors, and served on the esteemed Florida Law Review. Before co-founding Whittel & Melton, a full-service law firm, Robert gained valuable experience in the court room both serving as a former prosecutor and representing large corporations in complex litigation and transactional matters. Robert is devoted to fighting for his clients’ rights. He handles all types of criminal...
Scott Craig Florin Esq
Claimed Lawyer ProfileSocial Media
Tampa, FL Bankruptcy Attorney with 13 years experience
(813) 404-1203 6936 W. Linebaugh Ave., Suite 101
Tampa, FL 33625
Free ConsultationBankruptcy, Consumer and Foreclosure Defense
Capital University Law School
I help defend Credit Card Lawsuits, help stop Debt Collection Violations, review Credit Report errors, assist with Bankruptcy, and Unfair Acts against consumers.
Barbara Brown
Claimed Lawyer ProfileSocial MediaResponsive Law
Tampa, FL Bankruptcy Lawyer with 21 years experience
(866) 863-7545 11373 Countryway Blvd.
Tampa, FL 33626
Bankruptcy, Foreclosure Defense, Landlord Tenant and Real Estate
St. Mary's University School of Law and St. Mary's University School of Law
Since opening its doors in 2006, Brown & Associates has helped clients with tough personal and business choices. We believe in helping clients to make informed and educated decisions that best suit their situation not only now but also for the future. Whether it is a financial decision such as filing for Bankruptcy relief, defending a foreclosure, negotiating a Loan Modification or a Shot Sale, or Real Estate matters such as selling or buying a property or entering into a Lease agreement as the Landlord or the Tenant, our one and only job is help you make the...
Alvin M. Foreman
Claimed Lawyer ProfileSocial Media
Clearwater, FL Bankruptcy Attorney with 21 years experience
(727) 771-5989 28870 US Hwy 19 N #300
Clearwater, FL 33761
Free ConsultationBankruptcy
Northwestern University School of Law
Filing for bankruptcy is a major life event. Before you entrust your financial well-being to a law firm, I think it's important to get a sense of whether you will be comfortable with your bankruptcy attorney and the level of services provided. I'm a down-to-earth sort of guy who enjoys helping people solve their problems. Hey, I've been there. I know what it's like to worry about making ends meet at the end of the month. My goal is to make you feel at ease and to ensure that you understand that filing for bankruptcy...
Stephen  Lee
Claimed Lawyer ProfileSocial Media
Tampa, FL Bankruptcy Attorney with 8 years experience
(833) 374-4487 3804 West North B St
Tampa, FL 33609
Bankruptcy, Divorce, Estate Planning and Family
University of Notre Dame
We are a law firm based in the heart of Tampa with expertise in Family Law, Discrimination and Business Litigation. Our lawyers have collective experience of over 35 years handling cases just like yours. We are a boutique law firm focused on your rights and making sure that those rights are taken care of.

Our attorneys are able to provide the skills and expertise that may be found at larger firms without the overhead expenses many of these larger law firms typically pass on to its clients. We are passionate about helping to build our community and its businesses and work...
Eric William Neilsen
Claimed Lawyer ProfileSocial Media
St Petersburg, FL Bankruptcy Lawyer with 18 years experience
(727) 350-3240 5795 Lynn Lake Drive S.
St Petersburg, FL 33712
Free ConsultationBankruptcy, Business, Consumer and Family
Western Michigan University Cooley Law School
Principal Neilsen Law Group, P.A. www.NeilsenLawGroup.com We are a general practice law firm, with specialties in bankruptcy, family law, immigration, and general civil litigation. Often, more than one area of expertise is required to address a particular matter. With us, there's no need to hire a multitude of attorneys. We can provide you with comprehensive legal support allowing us to advocate for you in many areas of law. We are dedicated legal professionals well-versed in many specialized areas of law, bringing a diverse background to the table. This gives us an edge when dealing with complex legal matters.
Richard Feinberg
Claimed Lawyer ProfileBlawgsearchSocial Media
St. Petersburg, FL Bankruptcy Attorney with 30 years experience
(727) 525-3328 5300 4th St N.
St. Petersburg, FL 33703
Bankruptcy
University of Houston - Main Campus
I was born in Rochester, New York and attended the State University of New York at Albany, where I acquired a BA in psychology. I obtained my law degree from the University of Houston in 1986. In 1994, I founded the firm Debt Relief Legal Centers, which became one of the nation’s largest filers of consumer bankruptcies. Although I have represented many large banks, financial institutions and insurance companies, my practice is now concentrated solely on representing the interests of consumers in bankruptcy and foreclosure defense. I am a member in good standing of the Florida...
Pablo B. Morla
Claimed Lawyer ProfileSocial Media
Tampa, FL Bankruptcy Attorney with 13 years experience
(813) 250-2886 3621 W. Kennedy Boulevard
Tampa, FL 33609
Free ConsultationBankruptcy, Business and Personal Injury
Pablo B. Morla is dedicated to serving the interests of his clients in a wide array of cases involving personal injury, wrongful death; divorce and family law; Chapter 7 and 13 bankruptcy; and civil litigation matters. Prior to establishing Morla Law Group, P.A., Pablo worked for a large defense litigation firm, representing insurance companies and large businesses. That experience gave Pablo the practical knowledge and drive to establish Morla Law Group, P.A. in order to prosecute and defend cases on behalf of his clients in a wide array of practice areas. Read more at www.MORLALAW.com.
Jeffrey Herzog
Claimed Lawyer ProfileSocial Media
Palm Harbor, FL Bankruptcy Lawyer with 14 years experience
(727) 789-4000 3106 ALT US 19
Palm Harbor, FL 34683
Free ConsultationBankruptcy, DUI, Estate Planning and Probate
George Mason University School of Law
Dion Hancock
Claimed Lawyer ProfileSocial Media
St. Petersburg, FL Bankruptcy Attorney with 17 years experience
(727) 821-1386 405 6th Street South
St. Petersburg, FL 33701
Bankruptcy and Foreclosure Defense
Omaira P Dauta
Claimed Lawyer ProfileSocial Media
St. Petersburg, FL Bankruptcy Lawyer
(727) 914-7281 2719 1st Avenue North
St. Petersburg, FL 33713
Bankruptcy, Collections and Landlord Tenant
Florida A&M University College of Law
Buddy Dwight Ford
Claimed Lawyer Profile
Tampa, FL Bankruptcy Lawyer with 32 years experience
(813) 877-4669 9301 W. Hillsborough Avenue
Tampa, FL 33615
Bankruptcy, Business and Real Estate
Stephen Christopher Whalen
Claimed Lawyer ProfileSocial Media
Dunedin, FL Bankruptcy Lawyer with 32 years experience
(727) 726-0439 1968 Bayshore Boulevard
Dunedin, FL 34698
Bankruptcy, Landlord Tenant and Legal Malpractice
Nova Southeastern University
Stephen Whalen is an "AV" rated lawyer whose office is located in Dunedin, Florida. He has been a member of the Florida Bar since 1987 with a varied legal background. At the beginning of Stephen's legal career he served as a lieutenant in the United States Navy Judge Advocate General's Corps where he performed the duties of prosecutor and then later as defense counsel and legal service officer. In 1991, after the conclusion of his tour in the Navy, Stephen served as an attorney with the Florida Bar's lawyer regulation department...
Mr. Jonathan T Mitchell
Claimed Lawyer Profile
St. Petersburg, FL Bankruptcy Lawyer with 16 years experience
(727) 424-0627 P.O. Box 7427
St. Petersburg, FL 33734
Free ConsultationBankruptcy
Dion Robert Hancock
Claimed Lawyer Profile
St. Petersburg, FL Bankruptcy Attorney with 17 years experience
(727) 821-1386 405 6th Street South
Second Floor
St. Petersburg, FL 33701
Bankruptcy and Consumer
My practice areas include: Bankruptcy; Foreclosure Defense; Creditor Harassment
Ryan Norman Singleton
Claimed Lawyer Profile
St Petersburg, FL Bankruptcy Attorney with 13 years experience
(727) 346-6050 3900 First Street North, Suite 100
St Petersburg, FL 33703
Bankruptcy, Business, Criminal and Divorce
Stetson University College of Law
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Seminole Bankruptcy Legal Aid & Pro Bono Services

Gulfcoast Legal Services
(727) 443-0657
Clearwater, FL


Community Law Program
(727) 582-7402
St. Petersburg, FL

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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.