Lunenburg, Massachusetts Bankruptcy Lawyers

Troy D. Morrison
PREMIUM

Massachusetts Bankruptcy Attorney with 22 years experience

Attorney Morrison has over 20 years of experience and has represented thousands of clients. He is well-versed in all areas of both Chapter 7 and Chapter 13 bankruptcy. He serves the entire state of Massachusetts from... Read More »
View Profile
Catherine Becker Good
Claimed Lawyer Profile
Dedham, MA Bankruptcy Attorney with 30 years experience
(781) 471-5055 858 Washington St,
Dedham, MA 02026
Free ConsultationBankruptcy, Criminal, Divorce and Family
Suffolk University Law School
I have been practicing law for the past 29 years. My areas of concentration are divorce and family law, criminal defense and bankruptcy. I represent clients in all counties across the Commonwealth.

I graduated from Northeastern University, magna cum laude, with a B.S. in Business Administration. I received my juris doctorate from Suffolk University Law School.

I treat each client as if they are my only client. I am available by phone, email and text.
Robert A. Prousalis
Claimed Lawyer ProfileSocial Media
Lynnfield, MA Bankruptcy Attorney with 20 years experience
40 Salem Street
Bldg. 2
Lynnfield, MA 01940
Bankruptcy, Elder, Estate Planning and Real Estate
Suffolk University Law School
Timothy J. Teehan
Claimed Lawyer ProfileSocial Media
Franklin, MA Bankruptcy Lawyer
(774) 571-2893 430 Franklin Village Drive #245
Franklin, MA 02038
Free ConsultationBankruptcy, Collections, Divorce and Family
New England Law | Boston
Mr. David Glenn Baker Esq.
Claimed Lawyer Profile
Boston, MA Bankruptcy Lawyer with 23 years experience
(617) 340-3680 236 Huntington Ave
Suite 302
Boston, MA 02115
Bankruptcy and Real Estate
I graduated from Massachusetts School of Law in 1996. Since graduation, I have practiced Bankruptcy almost exclusively. Within the context of Bankruptcy, I also deal with predatory lending, mortgage modifications and similar issues. On November 6, 2006, I became the first bankruptcy lawyer in Massachusetts in the last twenty years to argue a case before the US Supreme Court.
Donna Quinn
Claimed Lawyer ProfileSocial Media
Framingham, MA Bankruptcy Attorney with 31 years experience
(508) 626-2226 1253 Worcester Road
Suite 303
Framingham, MA 01701
Bankruptcy, Business, Estate Planning and Tax
Boston University School of Law and New England Law | Boston
Sean T. Hennigan
Claimed Lawyer Profile
Woburn, MA Bankruptcy Lawyer with 4 years experience
(617) 227-8383 10 Cedar Street
Suite 23
Woburn, MA 01801
Bankruptcy, Criminal, DUI and Juvenile
Massachusetts School of Law
Our goal is to embrace our clients and their problems as if they were our own. People often come to us at low points in their lives. Some are injured; some have financial burdens crushing them; and some have been charged with crimes. All of these situations involve a great deal of stress. I believe it is our job to relieve that stress. Our goal is to help that person walk out feeling better than when they arrived.
Douglas Beaton
Claimed Lawyer ProfileBlawgsearchSocial Media
NORTH ANDOVER, MA Bankruptcy Lawyer with 25 years experience
(978) 975-2608 800 Turnpike Street
NORTH ANDOVER, MA 01845
Free ConsultationBankruptcy
Northeastern University School of Law
I have been a bankruptcy lawyer in the Merrimack Valley since 1994. I am a member of both the Massachusetts and New Hampshire bar associations, and I can help you escape from a life of debt if you currently reside in either state. When you hire me you will always be represented by a qualified, experienced bankruptcy lawyer who understands your problems and can help you find the right solution. At my office, you won't meet with a paralegal, you won't have to fill out your life history just to get an interview, and you won't wait for weeks until an...
Maegan L. Hurley
Claimed Lawyer ProfileSocial Media
Worcester, MA Bankruptcy Attorney with 8 years experience
(866) 831-0236 40 Jackson Street
Suite 1020
Worcester, MA 01608
Free ConsultationBankruptcy
Suffolk University Law School
Maegan L. Hurley, Esquire, is admitted to practice law in Massachusetts and in the U.S. District Court for the District of Massachusetts. Attorney Hurley is a graduate of Simmons College and Suffolk University Law School, where she received Pro Bono Honors. Attorney Hurley has experience helping lower income individuals through her work as a student attorney at Suffolk Law's Housing Clinic and as a coordinator for "No One Leaves", which is a grassroots resource that offers legal information and resources to families facing post-foreclosure eviction. She is a member of the National Association of Consumer Bankruptcy Attorneys, American Bankruptcy Institute...
John Andrew Ullian
Claimed Lawyer ProfileSocial Media
Braintree, MA Bankruptcy Lawyer with 35 years experience
(781) 848-5980 220 Forbes Road, Suite 106
Braintree, MA 02184
Free ConsultationBankruptcy, Divorce, Family and Foreclosure Defense
University of Toledo
John Ullian received his undergraduate degree from Ohio Wesleyan University, his law degree from University of Toledo Law School, a Masters in Education from Northeastern University, and his Doctorate in Education from Boston University. In 1984, John joined the law firm his father, Leonard Ullian, started in 1978 to focus on bankruptcy law, divorce and domestic relations matters, litigation and school law. Today, John runs the Law Firm of Ullian & Associates, P.C., and is licensed to practice in both Massachusetts and Florida.
Terrence T. Sweeney
Claimed Lawyer Profile
Brockton, MA Bankruptcy Attorney with 44 years experience
(617) 481-6187 831 Pleasant Street
Brockton, MA 02301
Free ConsultationBankruptcy, Business, Consumer and Personal Injury
Suffolk University
Boston College and Suffolk University Law School has been followed by more than forty years in the active practice of law focusing on consumer issues: I am a debt relief agent helping people file for relief under the Bankruptcy Code. I prepare wills, trusts, and help people get divorces, buy or sell their homes, or set up small businesses.

Over the years I have taught law courses as an adjunct instructor at several schools and colleges.
I offer an initial, free consultation so that you can judge whether I am a good fit as your attorney. That initial consultation will involve a...
Richard C. Hyman
Claimed Lawyer ProfileSocial Media
Hyde Park, MA Bankruptcy Attorney with 34 years experience
(617) 361-5310 1259 Hyde Park Avenue
Suite 128
Hyde Park, MA 02136
Free ConsultationBankruptcy, Foreclosure Defense, Personal Injury and Workers' Comp
New England Law | Boston
Attorney Richard C. Hyman has over thirty years experience assisting clients in need of legal assistance. His focus of practice is in the areas of personal injury (car accidents, slip and fall accidents), workers' compensation, Social Security Disability, and bankruptcy filings (Chapter 7 and Chapter 13).
Donald H Adler
Claimed Lawyer ProfileSocial Media
Newburyport, MA Bankruptcy Attorney with 51 years experience
(978) 462-6789 150 Merrimac Street
Suite 3
Newburyport, MA 01950
Free ConsultationBankruptcy, Business and Foreclosure Defense
Indiana University - Indiana University-Bloomington
It’s our mission to get you debt and tax free! ARE YOU BURIED IN STUDENT LOANS? If your school debts are part of the $1.2 trillion owed by students for their education and you find it difficult if not impossible to pay your loans and other debt, there are solutions. We offer a FREE and CONFIDENTIAL CONSULTATION on how you may become debt-free. I may be able to help you eliminate or reduce your student loan payments. Contrary to what you may have heard, under the right circumstances you can eliminate or reduce...
Darren Philip Cross
Claimed Lawyer ProfileBlawgsearchSocial Media
Quincy, MA Bankruptcy Attorney with 16 years experience
(617) 716-4303 1266 Furnace Brook Parkway
Suite 100
Quincy, MA 02169
Free ConsultationBankruptcy, IP, Immigration and Trademarks
Suffolk University Law School
Darren P. Cross is a founder and principal of Cross Nadel LLC. He is highly experienced and knowledgeable in the areas of bankruptcy, immigration and trademark and copyright law. After operating his own law firm in Boston for nearly fifteen years, Darren co-founded Cross Nadel LLC to provide individual and business clients with the same excellent service for which he is known in a more accessible and flexible setting. Darren has spent his career working compassionately and directly with clients to guide them through some of their most difficult and important financial, citizenship and business decisions. He...
Thomas Beauvais
Claimed Lawyer ProfileSocial Media
Melrose, MA Bankruptcy Attorney with 8 years experience
(781) 462-1669 PO Box 761235
Melrose, MA 02176
Free ConsultationBankruptcy and Consumer
Suffolk University
Monique Boucher Lamb
Claimed Lawyer ProfileSocial Media
Salem, MA Bankruptcy Attorney with 20 years experience
(978) 744-8818 26 Lynde Street
Salem, MA 01970
Bankruptcy, Divorce and Family
New England Law | Boston
Attorney Monique Boucher Lamb is dedicated to providing comprehensive family law and bankruptcy law representation for individuals throughout the North Shore of Massachusetts. Born and raised in the North Shore, Ms. Lamb has built strong working relationships with fellow lawyers and the local courts, which help her to more effectively protect your rights. Family law practice is extensive and includes: Divorce cases, including property division, alimony, legal separation and same-sex divorce Child custody cases, including visitation, relocation/removal, high-conflict cases and child support Modification of existing orders, including alimony, custody and child support Bankruptcy practice: ...
Daniel Gindes
Claimed Lawyer Profile
Lawrence , MA Bankruptcy Lawyer with 28 years experience
(978) 741-4320 360 Broadway
Suite 4
Lawrence , MA 01841
Free ConsultationBankruptcy, Criminal, DUI and Domestic Violence
Boston University School of Law
A drunk driving charge, financial troubles, a serious accident – no one expects these things to happen – but they do. And they can make you feel anxious, overwhelmed, or unsure of where to turn. Our office can help. Attorney Gindes has the experience you need to get your life back on track. We will handle your situation quickly, quietly, and effectively, and we promise to treat you with the respect and confidentiality you deserve. As an established Massachusetts courtroom lawyer representing clients in both state and federal courts, Attorney Gindes has extensive experience in all types of litigation,...
Mark Edward Burke Esq.
Claimed Lawyer Profile
Burlington, MA Bankruptcy Attorney with 29 years experience
(781) 273-3801 Executive Place
50 Mall Road, Suite 208
Burlington, MA 01803
Free ConsultationBankruptcy, Business, Construction and Divorce
University of New Hampshire School of Law and Northeastern University
Since its founding in 1996, dedication and commitment to serving clients has been at the heart of the Law Office of Mark E. Burke. Attorney Burke is both book smart and street smart and he prides himself on economical, efficient and successful results.
Brian Waller
Claimed Lawyer ProfileSocial MediaResponsive Law
Worcester, MA Bankruptcy Attorney with 6 years experience
(508) 986-9966 250 Commercial Street
Suite 200
Worcester, MA 01608
Bankruptcy, Divorce, Family and Juvenile
New England Law | Boston
I transitioned to divorce and family law after 15+ years working in accounting and operations for start-up technology companies. I strongly believe lawyers overlook the client experience and often force clients to work their way instead of the best way for the client. This means only being available during regular business hours, poor communication, and a less-than-clear understanding of the law related to their case.

My firm's approach starts with the client. We are committed to flexibility and working for and partnering with every client in the most efficient way for them. For parents, a mid-day meeting is frequently a big...
Theodore John Koban
Claimed Lawyer Profile
Attleboro, MA Bankruptcy Attorney with 41 years experience
(508) 222-0700 89 North Main Street
Attleboro, MA 02703
Bankruptcy, Criminal, DUI and Personal Injury
Boston University School of Law
Attorney Koban has been a practicing member of the Massachusetts bar and has actively been trying cases in the courts of Massachusetts since 1978. He is a graduate of the Boston University School of law and a member of the Massachusetts Bar Association, the Massachusetts Academy of Trial Attorneys, The Bristol County Bar Association, the Attleboro District Court Bar Association and the National Association of Consumer Bankruptcy Attorneys.. Attorney Koban is admitted to practice in all courts of the Commonwealth of Massachusetts as well as in the Federal District and Bankruptcy Courts of Massachusetts and Rhode Island, the Federal First Circuit...
Attorney Mark C. Rossi
Claimed Lawyer ProfileSocial Media
Boston, MA Bankruptcy Lawyer with 14 years experience
(617) 956-0956 6 Beacon Street
Suite 225
Boston, MA 02108
Bankruptcy, Criminal, Immigration and Personal Injury
Suffolk University Law School
Our Managing Partner, Mark C. Rossi, is a prominent member of the Massachusetts legal community, publishing articles and frequently participating as panelists in conferences dealing with the complexities associated with bankruptcy and insolvency as well as other legal matters. Our attorneys represent individuals, families, businesses, and organizations in many different types of legal cases involving; Personal Injury, Criminal Defense, Bankruptcy, Immigration, Real Estate. Attorney Rossi manages the the Bankruptcy and Insolvency group at the Bostonian Legal Group. The bankruptcy group focuses on all aspects of bankruptcy and insolvency, providing reasoned and realistic guidance for individual and corporate debtors considering...
Michael A. Contant
Claimed Lawyer ProfileSocial Media
Woburn, MA Bankruptcy Attorney with 20 years experience
(617) 227-8383 10 Cedar Street
Suite 23
Woburn, MA 01801
Free ConsultationBankruptcy, Criminal, DUI and Juvenile
Massachusetts School of Law
Our goal is to embrace our clients and their problems as if they were our own. People often come to us at low points in their lives. Some are injured; some have financial burdens crushing them; and some have been charged with crimes. All of these situations involve a great deal of stress. I believe it is our job to relieve that stress. Our goal is to help that person walk out feeling better than when they arrived.
Steven R. Striffler
Claimed Lawyer ProfileSocial Media
Quincy, MA Bankruptcy Attorney
(617) 290-1573 21 McGrath Highway
Suite 301
Quincy, MA 02169
Free ConsultationBankruptcy and Construction
Roger Williams University
The United States Bankruptcy Law is designed to give people the benefit of a fresh start by discharging most debts. Filing for bankruptcy; however, is not the only solution to your financial troubles - there are alternatives. People encounter financial difficulties for many reasons, not always of their own making, from an unexpected illness to a sudden job loss, divorce or gambling, student loans. Whatever the reason, many people feel overwhelmed, helpless, and alone. Ruthless bill collectors and the threat of foreclosure can make a tough situation even tougher. Although not the only solution to your financial difficulties, filing...
Gregory Devon Bascomb
Claimed Lawyer Profile
AMHERST, MA Bankruptcy Lawyer with 34 years experience
(413) 253-9128 441 West Street, 2nd Floor
AMHERST, MA 01004
Bankruptcy and Workers' Comp
Albany Law School
Richard Schifone
Claimed Lawyer Profile
Somerville, MA Bankruptcy Attorney with 25 years experience
(617) 776-7300 59 Union Square
Somerville, MA 02143
Free ConsultationBankruptcy and Real Estate
New England Law | Boston
Massachusetts Bankruptcy Attorney Providing Personal Bankruptcy Services Since 1996 Need to Stop a Foreclosure? Need Relief From Debts and Creditor Calls/Garnishment/Levy, etc.? Maybe Get Rid of a 2nd or 3rd mortgage? Reorganize Your Business? I am here to help you get a "fresh start" with your finances or deal with any bankruptcy related issues Free Initial Consults. Bankruptcy filing recommended only when it is your best option. Over15 years' experience handling exclusively bankruptcy cases for debtors and creditors, business and personal, under Chapters 7 and 13...
Kenneth Elliot Lindauer
Claimed Lawyer Profile
(800) 464-5861 55 Ginty Boulevard
Haverhill, MA 01830
Free ConsultationHaverhill, MA Bankruptcy Attorney with 44 years experience
Bankruptcy, Divorce and Family
Northeastern University
Kara O'Donnell
Claimed Lawyer ProfileSocial Media
Quincy, MA Bankruptcy Lawyer with 22 years experience
859 Willard Street, Ste. 400
Quincy, MA 02169
Free ConsultationBankruptcy, DUI, Family and Foreclosure Defense
University of Miami School of Law
Stuart Alford
Claimed Lawyer ProfileSocial Media
Watertown, MA Bankruptcy Attorney with 28 years experience
(617) 926-8800 142 Galen Street
Watertown, MA 02472
Bankruptcy, Immigration and Landlord Tenant
Born in Massachusetts
Attended Newton public schools
Graduated Bard College 1986
Graduated New England School of Law 1990
Admitted to Massachusetts Bar 1990
Admitted to United States District Court 1991
Admitted to United States Court of Appeals 1993

Married 25 years
2 grown children

Volunteerism:
Natick Little League
Natick Youth Soccer
Temple Israel of Natick Board of Directors (2009-2010)
Temple Israel of Natick Vice President (2010-2015)
Temple Israel of Natick President (2015-2017)

Community Awards:
Church of God Valley of Blessings, Dorchester, Humanitarian Award (2003)
Temple Israel of Natick, Hatan Torah Honoree (2017)

Alford Legal Group proudly sponsors the following:
St. James Armenian Church Golf Tournament
Temple Israel of Natick Golf Tournament
Father Flanagan's Boy's Home
Louis D. Brown Peace Curriculum

Scott Fishman
Claimed Lawyer Profile
Weymouth, MA Bankruptcy Lawyer with 24 years experience
(781) 337-4221 775 Pleasant St
Weymouth, MA 02189
Bankruptcy, Business, Estate Planning and Real Estate
I'm a no nonsense attorney that stays in close contact with clients. My representation is practical and efficient and my client's interests always come first.
William C. Parks Esq.
Claimed Lawyer ProfileSocial Media
Boston, MA Bankruptcy Lawyer with 8 years experience
(800) 974-3281 100 State St, Suite 900
Boston, MA 02109
Free ConsultationBankruptcy and Employment
New England Law | Boston
Accessible, knowledgeable, and reliable, Mr. Parks is committed to his clients and is quickly becoming recognized as one of the best young attorneys in his field. Mr. Parks devotes most of his practice to bankruptcy and debt related work.
Kevin J. Tagliaferri
Claimed Lawyer Profile
Medway, MA Bankruptcy Lawyer with 18 years experience
(508) 533-1600 165 Main Street
Suite 210
Medway, MA 02053
Free ConsultationBankruptcy, Consumer, Criminal and Juvenile
Mass. School of Law
Bar Advocate in Juvenile and District Court for delinquency and criminal matters. Chapter 7 and 13 Bankruptcy; School discipline, SORB hearings, consumer law are among my areas of concentration.
David Barry Madoff
Claimed Lawyer Profile
Foxboro, MA Bankruptcy Lawyer with 30 years experience
(508) 543-0040 124 Washington Street
Suite 202
Foxboro, MA 02305
Bankruptcy and Business
Boston University School of Law
DAVID B. MADOFF (madoff@mandkllp.com) previously practiced with the New York law firm of HughesHubbard & Reed and was a partner of Cohn Khoury Madoff & Whitesell LLP in Boston. He received his B.A. in 1985 from Columbia University and his J.D. in 1988 from Boston University School of Law, where he served as an editor of the Boston University Law Review. Mr. Madoff has lectured frequently and written articles for Massachusetts Continuing Legal Education and other associations in the area of bankruptcy and bankruptcy litigation. He has served since 1997 on the panel of Chapter 7 trustees...
Atty. John P. Keane
Claimed Lawyer Profile
Malden, MA Bankruptcy Attorney with 26 years experience
(617) 407-2728 17 Charles St.
Malden, MA 02148
Free ConsultationBankruptcy
I am a Massachusetts bankruptcy attorney with over 20 years experience.
Michael J Baldassarre
Claimed Lawyer Profile
Salisbury, MA Bankruptcy Lawyer with 25 years experience
(978) 465-5158 102 Bridge Road, Suite 2K
Salisbury, MA 01952
Free ConsultationBankruptcy, Collections, Divorce and Family
Laurie R. Martucci
Claimed Lawyer Profile
Franklin, MA Bankruptcy Lawyer with 27 years experience
(508) 528-4007 4 West Street
Franklin, MA 02038
Bankruptcy, Collections, Education and Family
Suffolk University Law School
James Benjamin
Claimed Lawyer ProfileSocial Media
Boston, MA Bankruptcy Attorney with 8 years experience
(617) 431-8071 90 Canal Street, 4th Floor
Boston, MA 02114
Bankruptcy, Divorce and Family
Dmitry Lev
Claimed Lawyer Profile
Watertown, MA Bankruptcy Lawyer with 13 years experience
(617) 556-9990 134 Main Street
Watertown, MA 02472
Bankruptcy, Collections and Consumer
Roger Williams University
William J. McLeod
Claimed Lawyer ProfileSocial Media
Boston, MA Bankruptcy Lawyer with 28 years experience
(617) 542-2956 77 Franklin Street
Boston, MA 02110
Free ConsultationBankruptcy, Collections, Consumer and Real Estate
Western New England University School of Law
Attorney McLeod is a member of the Bankruptcy Section of the Boston Bar Association, the National Association of Consumer Bankruptcy Attorneys the American Bankruptcy Institute, as well as the Real Estate Bar Association for Massachusetts (REBA). In addition to authoring the comprehensive bankruptcy manual "Chapter 13 in 13 Chapters", he has also written articles of interest to the bankruptcy and insolvency community appearing in the ABI Journal. Attorney McLeod was a contributing author to the legal desk reference for physicians, The Biggest Legal Mistakes Physicians Make and How To Avoid Them. He authored two chapters: “The 10 Biggest Mistakes...
Panagiotis (Peter) Konstantilakis
Claimed Lawyer Profile
Peabody, MA Bankruptcy Attorney with 12 years experience
(978) 826-5906 8 Essex Center Drive
Peabody, MA 01960
Free ConsultationBankruptcy, Family and Workers' Comp
Suffolk University Law School
Panagiotis Konstantilakis is a leading trial attorney in Peabody, dedicated to helping clients through difficult legal situations. He is deft at handling cases involving family law, bankruptcy, workers’ compensation, personal injury, and more. He started his career at Sale State College, where he earned his Bachelors of Science degree. He went on to Suffolk University Law School for his Juris Doctor. He is also a member of the Massachusetts Bar Association. Attorney Konstantilakis intentionally keeps a lower caseload so that his existing clients receive the attention they deserve. Call (978) 910-0094 to discuss your case during a free consultation.
Nicholas F. Ortiz
Claimed Lawyer ProfileSocial Media
Boston, MA Bankruptcy Attorney with 16 years experience
(617) 338-9400 99 High Street
Suite 304
Boston, MA 02110
Free ConsultationBankruptcy, Consumer and Employment
Boston University
Barry R. Levine
Claimed Lawyer Profile
Beverly, MA Bankruptcy Lawyer with 39 years experience
(978) 922-8440 100 Cummings Center – Suite 327G
Beverly, MA 01915
Bankruptcy
New England Law | Boston
The Law Office of Barry R. Levine is a practice focusing on the needs of small businesses and individuals. Apart from offering a wide range of services for businesses and individuals, The Law Office of Barry R. Levine has created a niche for itself in providing representation for those, be it a corporation, LLC, sole-proprietorship or individual, currently experiencing financial adversity. In its over thirty-seven years of representing those with financial difficulties, The Law Office of Barry R. Levine has developed a wealth of strategies for addressing and resolving those often seemingly unsolvable problems.

Mr. Levine is a graduate of New...
Lawyer Rating
Years of Experience
Language
Fees
Profile Strength
Bankruptcy Lawyers in Nearby CitiesBankruptcy Lawyers in Nearby Counties

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.