Orland Park, Illinois Bankruptcy Lawyers

Jane E. Nagle
PREMIUM

Free Consultation! Aggressive & Dedicated Illinois Bankruptcy Law Attorney!

I provide exceptional legal representation in all aspects of bankruptcy law. I will work tirelessly to deliver the best possible results for your family! Visit my website for case results. Call for a free consultation. Read More »
10.0Justia Lawyer Rating for Jane E. Nagle View Profile
Frank G. Cortese
PREMIUM

Illinois Bankruptcy Lawyer with 23 years experience

Frank G. Cortese is a Graduate of Georgetown University Law Center. He has successfully represented over 7,000 clients in Bankruptcy throughout the Chicagoland area. With over 23 Years experience, you can be confident... Read More »
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Peter Francis Geraci
PREMIUM

15,000 5-Star Reviews from Satisfied Clients! 35+ offices open late/weekends.

Over 15,000 5-Star reviews from our satisfied clients! Since 1977, Geraci Law has helped over 100,000 people get debt-free by filing Chapter 7 and Chapter 13 bankruptcy. FREE LAWYER CONSULTATIONS, low/no attorney fees... Read More »
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Raffy A. 'Rae' Kaplan
PREMIUM

Exceptional Bankruptcy Law Attorney! Helping Chicago Families Get a Fresh Start!

I provide experienced and skilled advocacy for bankruptcy law needs. I am committed to helping clients effectively and efficiently resolve financial matters! Visit my website for client reviews, call for a consultation. Read More »
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Marilyn  Johnson
Claimed Lawyer ProfileQ&ASocial MediaResponsive Law
Orland Park, IL Bankruptcy Attorney with 39 years experience
(708) 349-8900 16536 S 106th Ct
Orland Park, IL 60467
Free ConsultationBankruptcy, Criminal, Divorce and Family
Loyola University Chicago School of Law
Marilyn Johnson is a partner at Johnson & Johnson, Ltd. She has been practicing law for over 30 years, concentrating in the areas of divorce, custody, support, and visitation. She has conducted numerous trials and hearings involving large marital estates and complex child custody issues. Prior to practicing law, Marilyn Johnson was a special education teacher who worked with children with learning disabilities and emotional and behavioral problems. Her vast experience as a lawyer, teacher, and mother has enabled her to acquire a deep, compassionate understanding of the family unit, which has enabled her to counsel clients through the most...
Jonathan G. Anderson
Claimed Lawyer ProfileBlawgsearchSocial Media
(708) 226-9904 15255 S. 94th Ave
Suite 201
Orland Park, IL 60462
Free ConsultationOrland Park, IL Bankruptcy Lawyer with 38 years experience
Bankruptcy, Divorce, Estate Planning and Family
University of Florida Levin College of Law
Jonathan Anderson is the principal attorney and founder of Anderson & Associates, P.C.

Jon guided the growth of this family law firm from a one-attorney law practice in Schaumburg, Illinois to an eleven-attorney law firm with Cook County offices in Schaumburg, Chicago, Northbrook, and Orland Park, Illinois and a DuPage County office in Wheaton, Illinois.

For over 25 years, Jon has achieved optimum results for his clients in divorce and other family law litigation involving issues that include family-owned businesses, pre-marital (pre-nuptial) agreements, post-marital (post-nuptial) agreements, marital property and non-marital property distribution, maintenance (alimony), custody, visitation and the removal of...
Kyle D. Sellett
Claimed Lawyer ProfileBlawgsearchSocial Media
Orland Park, IL Bankruptcy Attorney with 4 years experience
(708) 226-9904 15255 West 94th Avenue
Suite 201
Orland Park, IL 60462
Bankruptcy, Divorce, Estate Planning and Family
The John Marshall Law School
Kyle D. Sellett is based out of the firm’s Schaumburg office, where he practices in a variety of areas of law, including: Divorce, Family Law, Estate Planning, Bankruptcy and Creditor Negotiations. He handles cases in Cook County and the surrounding collar counties.

Mr. Sellett’s legal career began as a Creditor’s Rights attorney and eventually acting as a Supervisor at his previous law firm. During his time practicing in Collection Law, he routinely handled trials, hearings, and other contested matters. His experience in this field makes him an ideal option to handle any case where there are delinquent debts involved. Additionally, he...
Paul Gentile
Claimed Lawyer ProfileSocial Media
Orland Park, IL Bankruptcy Lawyer with 39 years experience
(708) 403-0777 14300 S Ravinia Ave
Suite 302
Orland Park, IL 60462
Free ConsultationBankruptcy, Criminal, Divorce and Family
Northern Illinois University
Paul Gentile has been practicing law for over 30 years. He started his career working for the leading law firm Baker and McKenzie. He served as an Assistant State's Attorney in the traffic, misdemeanor, and felony division for seven years, where he handled over a thousand drunk driving, hit and run, driving while revoked or suspended, misdemeanors, domestic violence, assault, weapons, drugs and countless other crimes. He established his general practice in Orland Park, Illinois in 1987. He expanded his practice to include family law. Over the course of his career, there are not many types of...
Dennise McCann
Claimed Lawyer ProfileBlawgsearchSocial Media
Orland Park, IL Bankruptcy Lawyer with 31 years experience
(708) 226-9904 15255 S. 94th Ave
Suite 201
Orland Park, IL 60462
Free ConsultationBankruptcy, Divorce, Family and Foreclosure Defense
The John Marshall Law School
Dennise L. McCann is a Partner Anderson & Associates, P.C. who focuses on complex family law, bankruptcy and probate matters. She has been the managing attorney of the firm's Wheaton office since 2007. Dennise has been a certified mediator and guardian ad litem since 2010. She was nominated for an Inspirational Woman Award in 2012. She served as a career law clerk to the Honorable Susan Pierson Sonderby from 1988 to 1992 and was responsible for reviewing her daily motion call, researching legal issues, drafting opinions and writing speech materials for continuing legal education programs. She graduated from The John...
Wayne Johnson
Claimed Lawyer ProfileSocial Media
Orland Park, IL Bankruptcy Attorney with 42 years experience
(708) 349-8900 16536 S 106th Ct
Orland Park, IL 60467
Free ConsultationBankruptcy, Criminal, Divorce and Family
Chicago-Kent College of Law, Illinois Institute of Technology
Wayne Johnson is a partner at Johnson & Johnson, Ltd. He has been practicing law for over 35 years, and his practice focuses primarily on family law, criminal law, bankruptcy law, estate law, and real estate matters. He has conducted numerous trials and court hearings involving large marital estates and complex child custody issues.
John J. Lynch
Claimed Lawyer ProfileSocial MediaResponsive Law
Palatine, IL Bankruptcy Attorney with 20 years experience
(630) 283-7091 800 East Northwest Highway
Suite 700
Palatine, IL 60074
Free ConsultationBankruptcy, Foreclosure Defense, Probate and Real Estate
Nova Southeastern University
John Lynch became interested in debt relief and bankruptcy before he went to Law School. John was employed at Eastern Airlines in Miami, Florida, which at that time was the second largest airline in the US. Eastern Airlines filed for bankruptcy in 1990 and by 1991 it had closed its doors. John knew so many people that could not find work, had cars repossessed and faced mounting debt. Then, in 1992 Hurricane Andrew hit South Florida and Pan Am airlines also closed its doors. By that time John was a Paralegal and owner of a Title Company. He worked as...
Eric Zelazny
Claimed Lawyer ProfileSocial Media
Chicago, IL Bankruptcy Lawyer with 24 years experience
(708) 444-4333 20 N. Clark Street
Suite 800
Chicago, IL 60602
Bankruptcy, Foreclosure Defense and Tax
University of Missouri - Kansas City School of Law
Eric Zelazny brings over 17 years of legal experience to the practice. Prior to studying law, Eric Zelazny was a Certified Public Accountant (CPA) and continues his education in bankruptcy law staying up-to-date on the latest laws. He is one of the most experienced bankruptcy lawyers in the Chicago area with trial experience in Cook County, DuPage County, and Will County. Eric Zelazny occupies offices in both Chicago and Tinley Park.
Mark Varboncouer
Claimed Lawyer ProfileSocial Media
Chicago, IL Bankruptcy Lawyer with 18 years experience
(312) 343-3503 200 E. Randolph St., Suite 5100
Chicago, IL 60601
Bankruptcy, Patents, Personal Injury and Probate
University of Illinois College of Law
Mark Varboncouer is the founder of Varboncouer Law. Mr. Varboncouer is an experienced trial attorney who previously spent 10-plus years with Kirkland & Ellis LLP (“one of the nation's largest and most prestigious law firms”/ “known for its world-class litigation practice”/ “one of the ‘Fearsome Foursome’ — the four firms most likely to strike fear in opposing counsel”); and 4-plus years with another highly-prestigious 1,000-plus attorney law firm, McGuireWoods LLP, where he litigated a variety of issues: contracts, non-competes, tortious interference, unfair competition, fraud, licenses and complex intellectual property issues (e.g., patents, trade secrets, trademarks, copyrights, false advertising etc.)....
Berry Tucker
Claimed Lawyer ProfileSocial Media
Oak Lawn, IL Bankruptcy Lawyer with 47 years experience
(708) 425-9530 5210 W 95th St
Oak Lawn, IL 60453
Free ConsultationBankruptcy, Divorce, Family and Real Estate
Loyola University Chicago School of Law
Established in 1972, Berry K. Tucker & Associates, Ltd. focuses on establishing a strong partnership with each of our clients. From the first consultation to closing the case, our experienced attorneys will work with you to establish the best solution that accommodates your needs.

Our lawyers not only remain knowledgeable of all current laws, but we work with a range of clientele that allows them to benefit from their experience with us. Our clients have also returned to us for other law services as they have established a strong partnership that is built on trust and respect.

Call us today for...
Julianne M. O'Grady
PREMIUM

Illinois Bankruptcy Attorney with 19 years experience

Capable Lawyer, Dependable Service, Sensible Solutions Julianne (Julie) O'Grady has more than 15 years of experience handling immigration and consumer bankruptcy cases. She has helped countless immigrants achieve their... Read More »
10.0Justia Lawyer Rating for Julianne M. O'Grady View Profile
Joseph J. Cardinal
Claimed Lawyer Profile
Chicago, IL Bankruptcy Attorney with 39 years experience
(773) 238-8331 3838 West 111th Street
Unit 104
Chicago, IL 60655
Bankruptcy, Family and Probate
Chicago-Kent College of Law, Illinois Institute of Technology
Frank L Vosholler III
Claimed Lawyer Profile
Lockport, IL Bankruptcy Attorney
(708) 708-3402
Ext. 060
611 Rodney Ct.
Lockport, IL 60441
Bankruptcy
Tina (Christine) Adams
Claimed Lawyer ProfileSocial MediaResponsive Law
Chicago, IL Bankruptcy Attorney with 14 years experience
(312) 346-0100 540 W. 35th Street
Chicago, IL 60616
Free ConsultationBankruptcy and Personal Injury
John Marshall Law School
Tina Adams has been with Robert J. Adams & Associates full time since 1993. After law school, Tina became the managing partner at Robert J. Adams & Associations. Tina like her father concentrates in Consumer Bankruptcy. In addition, Tina works with business bankruptcy and Personal Injury cases. Tina is the Lake County attorney for Robert J. Adams & Associates. Additionally, in 2005 Tina became a part time adjunct instructor at the College of Lake County.
Mazyar M. Hedayat Esq.
Claimed Lawyer ProfileQ&ABlawgsearchSocial MediaResponsive Law
Romeoville, IL Bankruptcy Attorney with 24 years experience
(630) 378-2200 1211 W Lakeview Ct
Romeoville, IL 60446
Free ConsultationBankruptcy, Construction, Foreclosure Defense and Real Estate
University of Michigan - Ann Arbor, DePaul University and University of Michigan - Ann Arbor
Mazyar M. Hedayat is the principal of M. Hedayat & Associates, PC, a law firm that has represented Clients for nearly 25 years in the areas of business law and litigation, bankruptcy law and litigation, real property transactions and litigation, construction law and mechanics liens, corporate law, and more. After attending the University of Chicago and University of Michigan, Mr. Hedayat received his MBA from the U.M. Ross School of Business, and his J.D. from DePaul University College of Law. Mr. Hedayat is a title insurance agent and operated a full-service title company for 6 years....
Jason G. Shore
Claimed Lawyer ProfileBlawgsearchSocial Media
Joliet, IL Bankruptcy Attorney with 9 years experience
(815) 727-4500 https://criminal-defense.mevorahlaw.com/
58 N. Chicago Street, Suite 500
Joliet, IL 60432
Free ConsultationBankruptcy, Divorce, Family and Immigration
DePaul College of Law
Mr. Shore is acutely aware that when an individual contacts Mevorah Law Offices LLC about a legal problem, that for the client it is also a personal problem. In addition to litigating or negotiating settlements in many major cases, Mr. Shore is a skilled listener who is adept at developing and implementing cost effective and winning strategies. Mr. Shore represents divorce and parentage clients in settlement negotiations, pre-trials, hearings, and trials. Mr. Shore is also appointed by the Court to represent minors in custody proceedings. As an appointed guardian for the children (referred to as a Guardian Ad Litem...
Bradley Covey
Claimed Lawyer ProfileSocial Media
Plainfield, IL Bankruptcy Attorney with 27 years experience
(815) 609-0231 24014 W. Renwick Rd.
Suite 105A
Plainfield, IL 60544
Free ConsultationBankruptcy
Northern Illinois University
Mr. Covey concentrates his practice in all chapters of bankruptcy and bankruptcy-related law with special emphasis in Chapter 7 and Chapter 13. Mr. Covey has concentrated his practice in consumer and business bankruptcy matters for the past 21 years. Mr. Covey graduated from Southern Illinois University in 1984 with a B.S in Journalism. He then earned his J.D. at Northern Illinois University College of Law in 1992.
Christine Thurston
Claimed Lawyer ProfileSocial Media
Schaumburg, IL Bankruptcy Lawyer with 12 years experience
(312) 818-8008 10 Martingale Road
Suite 400
Schaumburg, IL 60173
Free ConsultationBankruptcy
Vermont Law School
Filing bankruptcy does not have to be a stressful situation. In fact, it should be alleviating the financial burden you have been enduring. I strive to provide the most personalized and hands-on approach to serving my clients. You will have access to my cell phone number, and I will always be a phone call, text, or email away to answer any question you have. I am committed to explaining the process so that you understand exactly how bankruptcy works and are prepared for every step, so that there are no surprises.
Majdel S. Musa
Claimed Lawyer ProfileSocial Media
La Grange, IL Bankruptcy Lawyer with 15 years experience
(708) 326-2500 112 Calendar Avenue
La Grange, IL 60525
Free ConsultationBankruptcy, Business and Real Estate
Western Michigan University Cooley Law School
Richard F. Doerr
Claimed Lawyer ProfileSocial Media
Lombard, IL Bankruptcy Attorney with 46 years experience
(630) 932-9100 https://www.mevorahlaw.com/
900 E. Roosevelt Road
Lombard, IL 60148
Free ConsultationBankruptcy and Criminal
Washington University School of Law
Richard Doerr is married and has two children and three teenage grandchildren. In his 40+ years' experience, Mr. Doerr has tried cases on matters ranging from speeding to murder. In 1972, he was selected out of 200 applicants as one of ten participants in the St. Louis County Prosecutor's intern program. During his 31 years in bankruptcy practice, he has seen two major revisions in bankruptcy laws, the first in 1978 and the second in 2005. Mr. Doerr's leisure activities include cross-country skiing, car shows, and driving his classic 1973 Corvette convertible.
Roseanne N. Lynch
Claimed Lawyer Profile
Palatine, IL Bankruptcy Attorney with 40 years experience
(630) 960-4700 800 East Northwest Highway
Suite 700
Palatine, IL 60074
Free ConsultationBankruptcy, Estate Planning, Probate and Real Estate
Northern Illinois University
Roseanne was born and raised in the Chicago area. She attended Trinity High School in River Forest, IL and graduated from Loyola University of Chicago in 1977. She went to law school at Northern Illinois University, and while in school was a law clerk at a medical malpractice firm. She was admitted to the Illinois Bar in 1980 and the Florida Bar in 1989. Roseanne focused on practicing commercial real estate, and was involved in the rehab of 35 East Wacker Drive and several West Loop office buildings. In 1988 Roseanne decided to relocate to Florida, where...
Gary Paul McFarling
Claimed Lawyer Profile
Maywood, IL Bankruptcy Lawyer with 21 years experience
(708) 344-4567 1701 S. First Avenue
Suite 202
Maywood, IL 60153
Free ConsultationBankruptcy, Divorce, Domestic Violence and Family
Wayne State University Law School
Providing bankruptcy and family law services throughout the Chicago area since 1998. Have argued before the Illinois Supreme Court. Actively involved in rescuing and "fostering" abandon dogs through the non-profit organization, Illinois Birddog Rescue. I also provide pro bono legal services to the organization.
Vincent Machroli
Claimed Lawyer ProfileSocial Media
Hillside, IL Bankruptcy Attorney with 39 years experience
(708) 449-7400 4415 W Harrison St
Suite 213
Hillside, IL 60162
Free ConsultationBankruptcy, Criminal, Divorce and Personal Injury
The John Marshall Law School
Donald B. Boyd Jr.
Claimed Lawyer Profile
Forest Park, IL Bankruptcy Lawyer with 21 years experience
(708) 848-1005 232 South Lathrop Avenue
Suite 100
Forest Park, IL 60130
Bankruptcy, Divorce, Domestic Violence and Estate Planning
DePaul College of Law
I own and operate The Boyd Law Firm, P.C., a divorce and family law practice in Forest Park, Illinois, a suburb west of Chicago. We concentrate our practice to issues such as asset discovery and recovery, domestic violence and orders of protection, child support, parentage, maintenance, custody, visitation and all related areas of a family law practice. I am a member of the Chicago Bar Association, the Illinois State Bar Association and have been admitted to practice before the United States Supreme Court. We accept all major credit cards and will agree to payment terms. Evening and weekend appointments are...
Anne Marie Riegle
Claimed Lawyer Profile
Naperville, IL Bankruptcy Attorney with 25 years experience
(630) 364-1984 710 E. Ogden Avenue
Suite 640
Naperville, IL 60563
Free ConsultationBankruptcy, Divorce and Family
DePaul College of Law
Gregory Berg
Claimed Lawyer Profile
Oak Brook, IL Bankruptcy Attorney with 12 years experience
(630) 472-9700 1200 Harger Road
Oak Brook, IL 60523
Bankruptcy, Business, Divorce and Family
University of Pittsburgh School of Law
Joseph Michelotti
Claimed Lawyer Profile
Oak Brook, IL Bankruptcy Attorney with 36 years experience
(630) 928-0100 2625 Butterfield Suite 138S
Oak Brook, IL 60523
Free ConsultationBankruptcy, Divorce, Estate Planning and Foreclosure Defense
The John Marshall Law School
Working to help clients protect their property and deal with difficult financial situations
Robert J. Semrad
Claimed Lawyer ProfileSocial Media
Chicago, IL Bankruptcy Attorney with 24 years experience
(312) 447-8025 20 S. Clark Street
28th Floor
Chicago, IL 60603
Bankruptcy
DePaul College of Law
Barry C Boykin
Claimed Lawyer ProfileSocial Media
Chicago, IL Bankruptcy Attorney
(773) 854-1610 118 N. Central Ave
Chicago, IL 60644
Bankruptcy, Divorce, Domestic Violence and Family
DePaul University
Mr.  Jeffrey S Harris
Claimed Lawyer Profile
Maywood, IL Bankruptcy Attorney with 31 years experience
(708) 343-9800 1701 S. First Ave.
Ste 202
Maywood, IL 60153
Bankruptcy, Divorce and Personal Injury
Illinois Institute of Technology
Jon Dowat
Claimed Lawyer ProfileQ&A
Naperville, IL Bankruptcy Lawyer with 14 years experience
(630) 225-9840 40 Shuman Blvd.
Suite 320
Naperville, IL 60563
Free ConsultationBankruptcy, Business and Tax
Chicago-Kent College of Law, Illinois Institute of Technology
Steven J Grace
Claimed Lawyer Profile
Oak Brook, IL Bankruptcy Lawyer with 10 years experience
(312) 493-6912 700 Commerce Drive
Suite 500
Oak Brook, IL 60523
Free ConsultationBankruptcy, Consumer, Divorce and Entertainment & Sports
Wayne State University Law School
Chicago Attorney practicing in all of the practice areas listed.
Alonzo Zahour
Claimed Lawyer Profile
Bolingbrook, IL Bankruptcy Attorney with 45 years experience
(630) 759-3631 235 Remington Blvd. Ste G1
Bolingbrook, IL 60440
Bankruptcy, Criminal, Divorce and Family
Bryan R. Bagdady
Claimed Lawyer Profile
Oakbrook Terrace, IL Bankruptcy Lawyer with 36 years experience
(312) 300-6843 17W220 22nd Street
Suite 410
Oakbrook Terrace, IL 60181
Bankruptcy, Business, Collections and Estate Planning
DePaul College of Law
Charles Alfred Johnson
Claimed Lawyer Profile
Bolingbrook, IL Bankruptcy Attorney with 37 years experience
(630) 759-4550 136 Maplewood
Bolingbrook, IL 60440
Free ConsultationBankruptcy, DUI, Divorce and Foreclosure Defense
The John Marshall Law School
Roxanna Hipple
Claimed Lawyer Profile
Oakbrook, IL Bankruptcy Lawyer with 26 years experience
1315 West 22nd Street, Tower Floor
Regency Towers
Oakbrook, IL 60523
Bankruptcy, Estate Planning and Real Estate
DePaul College of Law
Richard Hirsh
Claimed Lawyer Profile
Lisle, IL Bankruptcy Lawyer with 42 years experience
(630) 434-2600 1500 Eisenhower Ln
Lisle, IL 60532
Free ConsultationBankruptcy, Business and Collections
Chicago-Kent College of Law, Illinois Institute of Technology
Troy L Gleason
Claimed Lawyer Profile
Chicago, IL Bankruptcy Attorney
(312) 445-8825 77 W Washington #1218
Chicago, IL 60602
Free ConsultationBankruptcy
Subramaniam 'Sam' Chandraiah
Claimed Lawyer Profile
Joliet, IL Bankruptcy Lawyer
(815) 304-7616 310 N Hammes Ave #201f
Joliet, IL 60525
Bankruptcy
Tinley Park, IL Bankruptcy Attorney
(312) 229-0008 16345 Harlem Ave, Suite 250
Tinley Park, IL 60477
Bankruptcy
Gregory M. Reeder
Social Media
Joliet, IL Bankruptcy Attorney with 19 years experience
(866) 239-0158 58 N. Chicago Street
Suite 404
Joliet, IL 60432
Free ConsultationBankruptcy, Criminal, Divorce and Family
University of Illinois College of Law
For 15 years, Gregory Reeder has been a vigorous advocate for his clients and public servant throughout the State of Illinois. He is an experienced trial attorney, who aggressively fights for his clients whether they are charged with a felony or misdemeanor or going through a divorce or family law case. Mr. Reeder has successfully defended clients at all stages of litigation in both criminal and civil courts with a focus in criminal defense, civil litigation divorce and juvenile law.
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Bankruptcy Lawyers in Nearby CitiesBankruptcy Lawyers in Nearby Counties

Orland Park Bankruptcy Legal Aid & Pro Bono Services

Prairie State Legal Services, Inc.
(815) 727-5123
Joliet, IL


Chicago Legal Clinic Pro Bono Program
(773) 731-1762
Chicago, IL

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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.