Rabun County, Georgia Bankruptcy Lawyers

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Lorena Lee Saedi
Claimed Lawyer ProfileSocial Media
Hall County, GA Bankruptcy Lawyer with 18 years experience
(404) 889-8663 439 Green Street
Gainesville, GA 30501
Free ConsultationBankruptcy and Business
Emory University School of Law
Ms. Saedi is a partner at Saedi Law Group, where she concentrates her practice in all areas of bankruptcy, business, and tax law. Ms. Saedi offers clients quality legal services in all aspects of federal bankruptcy law, and is committed to providing personal attention and affordable solutions to each and every client’s financial obstacles. Prior to starting Saedi Law Group, LLC, Ms. Saedi was a founding partner of the consumer bankruptcy firm of Saedi & Wells, LLC for eight years. Prior to that Ms. Saedi worked as a corporate attorney representing technology companies on a variety of issues. Ms....
Richard Thomson
Claimed Lawyer Profile
Hall County, GA Bankruptcy Lawyer with 35 years experience
(678) 971-4964 715 Queen City Parkway
Suite 102
Gainesville, GA 30501
Bankruptcy and Consumer
University of Georgia
Our mission is to provide affordable, individualized representation to our consumer clients. Financial problems create a tremendous amount of stress and uncertainty. It is our goal to help alleviate that stress and to work with you to achieve your goal of financial stability. The key to obtaining these mutual goals is frank and open communication – on both of our parts. We are not a “sign ’em up and get ’em out” operation and we do not want to be. To that end, we will strive to provide you all of the information and tools that...
W. Ross McConnell
Claimed Lawyer ProfileSocial Media
Towns County, GA Bankruptcy Attorney
3259 Dogwood Lane
Hiawassee, GA 30546
Free ConsultationBankruptcy
Charles N Kelley Jr
Claimed Lawyer Profile
Hall County, GA Bankruptcy Attorney with 26 years experience
(770) 531-0007 311 Green St
Ste 302
Gainesville, GA 30501
Bankruptcy, Business and Estate Planning
Georgia State University College of Law
Teresa Stephens
Social Media
Hall County, GA Bankruptcy Lawyer with 18 years experience
(800) 414-3328 340 Jesse Jewell Pkwy SE #105
Gainesville, GA 30501
Free ConsultationBankruptcy, Collections and Foreclosure Defense
The University of Georgia School of Law and The University of Georgia School of Law
Hall County, GA Bankruptcy Attorney with 16 years experience
(800) 414-3328 340 Jesse Jewell Pkwy SE #105
Gainesville, GA 30501
Bankruptcy and Foreclosure Defense
Georgia State University College of Law
Jackson County, GA Bankruptcy Attorney with 59 years experience
(706) 336-6784 178 Crestwood Cir
Commerce, GA 30529
Bankruptcy
Woodrow Wilson Col.of Law
Hall County, GA Bankruptcy Lawyer with 61 years experience
(770) 536-7790 885 Glenwood Dr
Gainesville, GA 30501
Bankruptcy, Business and Real Estate
John Marshall L.S. (Atlanta)
S. Carlton Rouse Esq.
Claimed Lawyer ProfileSocial Media
Gwinnett County, GA Bankruptcy Attorney with 15 years experience
(678) 383-0403 3375 Centerville Highway
P.O. Box 392105
Snellville, GA 30039
Bankruptcy, Criminal, Divorce and Personal Injury
Northeastern University School of Law
Rouse & Company LLC - is a law firm dedicated to helping people fight serious felony and misdemeanor charges in Georgia. If you or a family member are facing charges that require jail time, e.g. drug offenses, weapons charges, RICO violations, obstruction, assault / battery, DUI / DWI, fraud, etc., before you determine how to handle your bond, you should call S. Carlton Rouse, Esq. for a consultation. Although we are primarily located in Snellville, Georgia, we have and continue to represent individuals and families throughout the State of Georgia. Call us and let us put our expertise and experience...
Joshua Thermon Teague
Claimed Lawyer ProfileSocial Media
Gilmer County, GA Bankruptcy Attorney with 9 years experience
(706) 276-3636 35 1st Ave
PO BOX 296
East Ellijay, GA 30539
Free ConsultationBankruptcy, Criminal, DUI and Personal Injury
Florida Coastal School of Law
Josh has dedicated his entire adult life to the study and practice of law - he has spent the past 15 years working in a law office, studying the law, interning with 2 Judges, completing an internship program with the United States Attorneys Office, and practicing law himself. In fact, Josh met his Wife, LeeAnn, when she was working for her Grandmother, the Gilmer County Clerk of Superior Court. Josh is a native of Gilmer County, his family has ties to the community dating into the early 1800’s. After graduating Gilmer High School and Kennesaw State University with...
Derick C. Villanueva
Claimed Lawyer ProfileSocial Media
Gwinnett County, GA Bankruptcy Attorney with 13 years experience
(770) 220-0818 2330 Scenic Highway South
Snellville, GA 30078
Free ConsultationBankruptcy, Personal Injury and Workers' Comp
Syracuse University College of Law
Derick C. Villanueva is a solo-practice attorney and offers knowledgeable, experienced and aggressive legal counsel to individuals who have been seriously injured or killed in accidents through no fault of their own. Mr. Villanueva has worked hard to obtain favorable outcomes and results for his clients. Mr. Villanueva received his BA Magna Cum Laude from Emory Universtiy, JD and Masters from Syracuse University. Mr. Villanueva has earned the Martindale Hubbell Client Distinction Award, acceptance in The National Association of Distinguished Counsel Top One Percent, achieved an Excellent Rating in Avvo, acceptance in the Top 40 Under 40...
David R Martin
Claimed Lawyer ProfileSocial Media
DeKalb County, GA Bankruptcy Lawyer with 29 years experience
(770) 454-1999 5200 Peachtree Rd,Suite 3116
Suite 3116
Atlanta, GA 30341
Bankruptcy, Antitrust, Business and International
New York University School of Law and University of Puerto Rico - Río Piedras
Forged in large-firm environments and two decades of practice with my own firm, I litigate and provide advice in business matters in Georgia, Florida and Puerto Rico. My experience in state and federal courts and arbitration fora includes creditor rights, business torts, antitrust, distribution law, corporate control, securities, tax controversies, construction defects and commercial insurance coverage disputes.
Schuyler Elliot
Claimed Lawyer ProfileSocial Media
Gwinnett County, GA Bankruptcy Attorney with 26 years experience
(770) 633-9913 2024 Beaver Ruin Road
Norcross, GA 30071
Free ConsultationBankruptcy, Business and Foreclosure Defense
Atlanta Law School
Emergency Bankruptcy Filing to STOP Foreclosure Sale. 770-633-9913.

Since 1993, Schuyler Elliott has been representing clients with disputes against their mortgage company-lender, such as wrongful foreclosure and breach of contract aka Foreclosure Defense. Also, filing bankruptcy to stop a foreclosure sale, which is scheduled the first Tuesday of each month, with a few exceptions. One benefit offered is last minute bankruptcy filings to stop a foreclosure sale. Appointments to stop the foreclosure sale can be made Saturday and Sunday and up to Midnight on Monday to meet with clients and file bankruptcy to STOP the foreclosure sale....
Michael Raymond Rethinger
Claimed Lawyer ProfileSocial Media
Fulton County, GA Bankruptcy Lawyer with 17 years experience
(770) 922-0066 241 Mitchell Street SW
Atlanta, GA 30303
Free ConsultationBankruptcy
The University of Georgia School of Law
Kenneth Allen Parker
Claimed Lawyer ProfileQ&ASocial Media
Gwinnett County, GA Bankruptcy Attorney with 25 years experience
(678) 541-6770 4295 Buford Drive
Suite 1B
Buford, GA 30518
Free ConsultationBankruptcy, Personal Injury, Probate and Workers' Comp
Atlanta's John Marshall Law School
Ken has practiced bankruptcy law for over 22 years in Georgia. Ken is married with 2 children who attend Mill Creek High School. Ken is the President of the Mill Creek Band Booster Club and past president of the Mill Creek Athletic Association.
Antonio Mari
Claimed Lawyer ProfileBlawgsearchSocial Media
Bartow County, GA Bankruptcy Lawyer with 10 years experience
(770) 334-8574 605 N. Tennessee St.
Cartersville, GA 30120
Free ConsultationBankruptcy, DUI, Divorce and Family
Atlanta's John Marshall Law School
Mari Legal Group's goal is to make legal representation affordable and accessible to all the hard working citizens of Georgia. Phone or office consultations are always free. We offer weekend and evening appointments to meet your busy schedule. We also offer convenient payment options to work around your budget. Contact our office today to schedule an appointment or get a good faith estimate on the potential costs of representation. I am dedicated to bringing the highest quality of legal representation in divorce, family law and estate planning matters, personal injury or dui matters. Our office aggressively represents clients throughout North...
David Galler
Claimed Lawyer ProfileSocial Media
Fulton County, GA Bankruptcy Attorney with 32 years experience
(770) 671-8830 875 Old Roswell Road
Building B Suite 100
Roswell, GA 30076
Free ConsultationBankruptcy, Foreclosure Defense, Tax and Workers' Comp
Georgia State University College of Law
Mr. Galler is a native Atlantan,he began practicing law in 1987 he opened his own firm in one room. Although big companies paid a lot more inspired by Perry Mason his goal was to help people in trouble, not Insurance companies, banks or large employers. Over the years help thousand with debt problem and work injuries, Finally over ten thousand bankruptcies, including a 99% discharge rate on chapter 7 cases. OVer the years Mr. Galler has added may other non bankruptcy solutions including student loans problems, Mortgage modifications and credit restoration
R. Jeffrey Field
Claimed Lawyer Profile
Hall County, GA Bankruptcy Lawyer with 35 years experience
(404) 499-2630 117 Bradford St S #7
Gainesville, GA 30501
Bankruptcy
Cumberland School of Law, Samford University
Jeff Field has spent his entire career handling bankruptcy cases for clients throughout Georgia. He has more than 30 years of experience successfully representing individuals in Chapter 7 and Chapter 13 bankruptcy cases. He now has six office locations throughout Georgia, and offers free initial consultations.
Nicole K. Carson
Claimed Lawyer ProfileSocial Media
Cobb County, GA Bankruptcy Attorney with 11 years experience
(404) 782-2347 1995 N Park Pl SE
Suite 208
Atlanta, GA 30339
Free ConsultationBankruptcy
Michigan State University
File your case with $0 down

Do you need bankruptcy relief, but don't have the funds to proceed.

I’m pleased to inform you that we have developed a new program that permits our clients to file their bankruptcy with NO MONEY DOWN. You can pay for your bankruptcy in installments spread out for up to one year, meaning you can put all your debt behind you, and begin to start rebuilding your life!

If you are interested in seeking debt relief through bankruptcy, please call my office or just reply to this email. Once again, we can start the process with...
Charon (Cha'Ron) Ballard
Claimed Lawyer ProfileSocial Media
Gwinnett County, GA Bankruptcy Attorney with 10 years experience
(404) 220-9906 3664 Club Drive #Suite 203-A
Lawrenceville, GA 30044
Free ConsultationBankruptcy
Western Michigan University Cooley Law School
Worry about nothing and instead pray about everything!

At The Ballard Law Group we offer affordable bankruptcy options for those in need and when bankruptcy is not the best solution we offer non-bankruptcy options such as debt settlements and mortgage loan modification.

We are a consumer firm and we never represent the creditor; therefore, your interest is always our priority.

Consultations are always free with flexible payment plans for every budget extending up 12 months.

I sincerely enjoy helping people get a fresh start.
Will B Geer
Claimed Lawyer ProfileSocial Media
Fulton County, GA Bankruptcy Lawyer with 10 years experience
(678) 587-8740 333 Sandy Springs Circle, NE
Suite 225
Atlanta, GA 30328
Bankruptcy
Mercer University
I am an Atlanta attorney who helps individuals and businesses file bankruptcy to overcome unmanageable debt. I specialize in businesses Chapter 7 and Chapter 11 cases.
Tamara Feliciano
Claimed Lawyer ProfileSocial Media
Fulton County, GA Bankruptcy Lawyer with 8 years experience
5755 North Point Parkway
Suite 52
Alpharetta, GA 30022
Bankruptcy, Divorce, Domestic Violence and Family
Call 770-408-0477 for a Consultation | Tamara Feliciano is the managing divorce and family law attorney at Coleman Legal Group, LLC. A native of Cleveland, Ohio, Tamara received her Bachelor of Arts from Cleveland State University. While enrolled at Cleveland State University Tamara earned a Clerk position with the United States Attorney’s Office for the Northern District of Ohio (NDOH). While employed with the Department of Justice, Tamara gained invaluable legal experience from a staff in excess of one hundred United States Attorneys. Tamara credits the U.S Attorney’s Office NDOH for preparing her for a career in law and...
Alyssa Maloof Whatley
Claimed Lawyer ProfileSocial Media
Fulton County, GA Bankruptcy Attorney with 4 years experience
(404) 551-5838 1372 Peachtree St NE
Atlanta, GA 30309
Free ConsultationBankruptcy, Collections and Tax
Georgia State University College of Law
Jason Neil Wiggam
Claimed Lawyer ProfileSocial Media
Fulton County, GA Bankruptcy Attorney with 9 years experience
(404) 233-9800 50 Hurt Plaza, Suite 1245
Atlanta, GA 30303
Bankruptcy and Tax
Jason is a partner at Wiggam & Geer, LLC in Atlanta, Georgia. His practice focuses on representing individuals, businesses, officers, directors, shareholders, and partners in matters before the Internal Revenue Service, the Georgia Department of Revenue, and other state taxing authorities. He represents taxpayers during tax audits, tax appeals, and tax collection procedures. Jason earned his Juris Doctorate (J.D.) degree, magna cum laude, from Georgia State University College of Law. He furthered his education by pursuing an LL.M. Master of Law degree in Taxation from New York University School of Law. While in law school, Jason developed a passion for...
Tyler Moore
Claimed Lawyer ProfileSocial Media
Gwinnett County, GA Bankruptcy Lawyer with 6 years experience
(678) 753-4529 205 W Pike St
Ste. 100
Lawrenceville, GA 30046
Bankruptcy, Criminal, Family and Traffic Tickets
The University of Georgia School of Law
I am proud to fight for clients in Gwinnett County and metro Atlanta in the areas of criminal defense, bankruptcy, personal injury, contracts, and wills. My practice is based around the idea that a "one size fits all" style does NOT apply to legal representation. I understand that your wants and needs are likely different than another client’s, and I make sure to cater your representation around those goals. My firm makes sure you are heard both in and out of the courtroom. I understand that legal battles are extremely stressful. From our office in...
Jonathan C. Ginsberg
Claimed Lawyer ProfileQ&ABlawgsearchSocial Media
(770) 393-4985 1854 Independence Square
Atlanta, GA 30338
DeKalb County, GA Bankruptcy Lawyer with 33 years experience
Bankruptcy, Social Security Disability and Workers' Comp
Tulane University-LA
Jonathan Ginsberg represents honest, hardworking men and women seeking debt relief under the United States Bankruptcy Code, or who are seeking benefits from the Social Security disability system.
Frederick Peter Kross III
Claimed Lawyer Profile
Gwinnett County, GA Bankruptcy Lawyer with 26 years experience
(770) 676-1233 1400 Buford Hwy
Suite F-1
Sugar Hill, GA 30518
Bankruptcy, Business, Estate Planning and Foreclosure Defense
Georgia State University and Georgia State University College of Law
Are you considering filing for bankruptcy? Are you unsure where to turn now that you feel confused and worried about the wellbeing of your future? If so, then you can’t wait another minute to begin working with the intensive care of a legal professional. At Fred P. Kross, PC, you will be able to bring your questions the answers that are so necessary. Don’t let your heartache be forgotten unnecessarily. Rather, work towards the attentive case completion that’s needed. You have the ability to move beyond the pain of a bankruptcy issue, and filing for Chapter 7 or Chapter 13...
Jerry Arlen Daniels
Claimed Lawyer ProfileSocial Media
Gwinnett County, GA Bankruptcy Attorney with 40 years experience
(770) 604-1397 390 W Crogan St
Ste 300
Lawrenceville, GA 30046
Bankruptcy, Criminal, DUI and Personal Injury
Atlanta's John Marshall Law School
Jerry A. Daniels is a Marine Corps veteran who served in Vietnam. He has practiced law since 1977 and has worked with Tony for more than 20 years. He practices in our core areas of bankruptcy, criminal law, family law and personal injury, as well as business litigation. Jerry is a member of the Georgia Association of Criminal Defense Lawyers and admitted to practice in state and federal trial and appellate courts, including the Georgia Supreme Court.
Lee Paulk Morgan
Claimed Lawyer ProfileSocial Media
Clarke County, GA Bankruptcy Lawyer with 40 years experience
(706) 548-7070 1090 C Founders Blvd
Athens, GA 30606
Free ConsultationBankruptcy, Collections, Foreclosure Defense and Social Security Disability
The University of Georgia School of Law and University System of Georgia - University of Georgia
Michael Familetti
Claimed Lawyer ProfileSocial Media
Cobb County, GA Bankruptcy Lawyer with 34 years experience
(770) 794-8005 142 S. Park Square
Marietta, GA 30060
Bankruptcy, Business, Consumer and Landlord Tenant
Vermont Law School
A 1981 graduate of SUNY Albany, and a 1984 graduate of Vermont Law School. Former Federal Attorney with the SBA and FDIC. Published bankruptcy author. Profiled in Atlanta Journal Constitution and other papers for handling of several high-profile legal matters. We represent individuals and small businesses in a wide variety of matters, including divorce, state court litigation, bankruptcy and other areas.
Howard Rothbloom
Claimed Lawyer Profile
Fulton County, GA Bankruptcy Lawyer with 35 years experience
(770) 792-3636 309 E. Paces Ferry Road, NE
Suite 400
Atlanta, GA 30305
Free ConsultationBankruptcy
University of Georgia and The University of Georgia School of Law
Howard D. Rothbloom began practicing bankruptcy law in 1986. His practice areas include counseling individual and business clients in debt related matters and the representation of clients in cases filed under chapters 7, 13 and 11 of the Bankruptcy Code. Mr. Rothbloom earned a Bachelor of Arts degree in Political Science from the University of Georgia in 1981 and a Law degree from the University of Georgia School of Law in 1984. Mr. Rothbloom is a leading authority on consumer bankruptcy law in Georgia and frequently speaks at lawyer seminars. In 2014, he was selected by his...
Jason Thomas Braswell
Claimed Lawyer ProfileSocial Media
Clarke County, GA Bankruptcy Lawyer with 16 years experience
(706) 548-7070 1090 C Founders Blvd
Athens, GA 30606
Free ConsultationBankruptcy, Social Security Disability and Workers' Comp
The University of Georgia School of Law and University System of Georgia - University of Georgia
Susan Schmeidler Blum
Claimed Lawyer ProfileSocial Media
DeKalb County, GA Bankruptcy Lawyer
(770) 393-4985 1854 Independence Square Suite A
Atlanta, GA 30338
Free ConsultationBankruptcy
Georgia State University College of Law
With my Bankruptcy law practice in Chapter 7 and Chapter 13 bankruptcies, I feel the immediate impact I have on people’s lives. I see people who need immediate help with dire financial and personal situations. With my directed advice, I am able to resolve clients’ immediate problems. With my counsel and suggestions, I am able to put clients on a path towards financial wholeness that they might have never experienced before. I see my role as a bankruptcy attorney as more than just filing a petition. I provide a comprehensive level of service and attention. I hold my clients’ hands...
Ashley Anne DiGiulio
Claimed Lawyer Profile
Cobb County, GA Bankruptcy Lawyer with 18 years experience
2985 Gordy Parkway
Ste. 108
Marietta, GA 30066
Free ConsultationBankruptcy, Consumer and Divorce
Georgia litigation, contracts and consumer Attorney With The DiGiulio Law Firm, LLC. based in Atlanta GA, Marietta GA, Lawrenceville GA
Justin Oliverio
Claimed Lawyer Profile
DeKalb County, GA Bankruptcy Attorney with 9 years experience
(678) 856-6780 150 E. Ponce de Leon Ave
Suite #200
Decatur, GA 30030
Free ConsultationBankruptcy, Business, Collections and Personal Injury
Mercer University Walter F. George School of Law
I help injury victims, businesses, and people plan and effectuate customized legal solutions for their unique legal problems. Please contact me for a confidential consultation if you are:

* A potential client that needs to discuss your case with an attorney.

* An out of State Attorney that needs local counsel.

* Georgia Attorney that needs research, associate, and/or appearance assistance.
Ronna M. Woodruff
Claimed Lawyer Profile
Cobb County, GA Bankruptcy Attorney with 11 years experience
(770) 565-7924 123 Powers Ferry Road, SE
Marietta, GA 30067
Free ConsultationBankruptcy
Atlanta's John Marshall Law School
Ronna grew up in the metro-Atlanta area and graduated from John Marshall Law School – Atlanta (J.D.) and Georgia State University (B.B.A., Finance, Cum Laude). During her academic career, Ronna worked for a local law firm, Womble Carlyle Sandridge & Rice as a senior paralegal in the Capital Markets Practice Group. Ronna has two grown children and lives in Atlanta with her husband and two dogs. After more than twenty years experience working as a senior paralegal with a commercial finance company, where Ronna dealt with commercial lending contracts in which large amounts of money were involved, Ronna went...
Seth Meyerson
Claimed Lawyer ProfileQ&ASocial Media
Barrow County, GA Bankruptcy Lawyer with 2 years experience
(678) 963-5045 114 N. Broad St.
Winder, GA 30680
Free ConsultationBankruptcy, Arbitration & Mediation, Collections and Landlord Tenant
Georgia State University College of Law
Angel M. Van Wieren
Claimed Lawyer ProfileSocial Media
Fulton County, GA Bankruptcy Lawyer
(404) 963-7408 675 Seminole Ave., NE
Suite 103
Atlanta, GA 30307
Free ConsultationBankruptcy
Atlanta's John Marshall Law School
Alexander Gray Hait
Claimed Lawyer ProfileSocial Media
Fulton County, GA Bankruptcy Attorney with 27 years experience
(770) 517-0045 11545 Park Woods Circle
Suite C
Alpharetta, GA 30005
Bankruptcy, Divorce, Family and Personal Injury
New England School of Law-MA
Alex Hait has an extensive amount of knowledge in personal injury, consumer bankruptcy, and family law matters. Mr. Hait is admitted to the Georgia, New York and New Jersey bar and handles cases relating to domestic violence, divorce, child custody and child support. He has a reputation for being an aggressive attorney in the courtroom and sympathetic listener to his clients. The attorneys at North Metro Litigators make it their goal to put you at ease about your legal issue so that they can work with you to explore your legal options and prepare the best legal strategy for your...
George R. Belche
Claimed Lawyer ProfileSocial Media
Gwinnett County, GA Bankruptcy Lawyer with 20 years experience
(770) 963-3117 189 West Pike Street, Suite 103
Lawrenceville, GA 30046
Free ConsultationBankruptcy, Collections, Divorce and Family
Atlanta Law School
The firm of George R. Belche, Attorney at Law, located in Lawrenceville, Georgia, focuses on helping people resolve their financial problems through bankruptcy. We want you to know that if you are feeling the burden and fear associated with significant debt, there is hope. For a free initial consultation to discuss your specific situation, contact us.
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Bankruptcy Lawyers in Nearby Cities

Rabun County Bankruptcy Legal Aid & Pro Bono Services

Georgia Legal Services Program, Inc.
(770) 535-5717
Gainesville, GA

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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.