Reading, Massachusetts Bankruptcy Lawyers

Victor A. Denaro
PREMIUM

Massachusetts Bankruptcy Attorney with 33 years experience

I continue representing Debtors, who are average people who have usually been hit with bad situations, like job loss, medical treatment and the overwhelming bills or divorce. I continue to help them get relief from... Read More »
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Matthew Desrochers
Claimed Lawyer Profile
Reading, MA Bankruptcy Attorney with 20 years experience
(857) 244-1940 274 Main Street
Suite 208
Reading, MA 01867
Free ConsultationBankruptcy
Massachusetts School of Law
Are you facing creditor harassment, wage garnishment, or foreclosure? People often feel helpless when they find themselves in financial situations like these. Debt issues are not something to take lightly, but it is not as scary as you might think. You owe it to yourself to at least know your options. Discussing your situation is the best way out of a bad situation and on to a better future. Get advice from Bankruptcy Lawyer MA Matthew Desrochers.
Michael A. Contant
Claimed Lawyer ProfileSocial Media
Woburn, MA Bankruptcy Attorney with 21 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.
Sean T. Hennigan
Claimed Lawyer Profile
Woburn, MA Bankruptcy Lawyer with 5 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.
Freya Allen Shoffner
Claimed Lawyer ProfileSocial Media
Stoneham, MA Bankruptcy Attorney with 27 years experience
(617) 369-0111 90 Maple Street
Suite 3A
Stoneham, MA 02180
Bankruptcy, Business, Estate Planning and Family
Suffolk University Law School
After ten years in business herself, Freya Shoffner gave up her search for a good lawyer for her small company and her family and went to law school. Her goal was to build a law firm that could take care of a small business’ every legal need – from the initial brainstorm, through the years of careful tending, to the flood of profits when the benefits are secured for generations to come. She also wanted that firm to give families, in all asset brackets, the best estate planning possible. Freya reached her goal, and now Boston has a law...
Robert A. Prousalis
Claimed Lawyer ProfileSocial Media
Lynnfield, MA Bankruptcy Attorney with 21 years experience
40 Salem Street
Bldg. 2
Lynnfield, MA 01940
Bankruptcy, Elder, Estate Planning and Real Estate
Suffolk University Law School
Jonathan Roy
Claimed Lawyer Profile
Wakefield, MA Bankruptcy Lawyer with 14 years experience
(781) 245-1239 7 Lincoln Street
Suite 210
Wakefield, MA 01880
Free ConsultationBankruptcy and IP
Michael Goldstein
Claimed Lawyer ProfileBlawgsearchSocial Media
Middleton, MA Bankruptcy Lawyer with 13 years experience
(781) 595-3800 161 S. Main Street
Building 2, Second Floor
Middleton, MA 01949
Free ConsultationBankruptcy, Employment and Foreclosure Defense
Massachusetts School of Law
Attorney Michael A. Goldstein is a Massachusetts lawyer who represents employees who have been the victim of discrimination in the workplace and wrongful termination from their jobs. He also represents employees who have not been paid their wages, commissions and PTO time due and owning both during their employment and after their separation from employment. In addition, he represents clients in unemployment appeal hearings when they have been denied unemployment benefits. Finally, Attorney Goldstien helps consumer get a fresh start on their finances through chapter 7 and Chapter 13 bankruptcy filings.
Todd D. Beauregard
Claimed Lawyer ProfileBlawgsearchSocial Media
Lowell, MA Bankruptcy Attorney with 25 years experience
(978) 275-1919 25 Central Street
Lowell, MA 01852
Free ConsultationBankruptcy, Divorce, Family and Workers' Comp
Suffolk University Law School
Practice: Upon graduation from law school and having passed the Massachusetts Bar Examination in 1995, Attorney Beauregard joined the law firm of Palma Law Offices, P.C., in Lowell, Massachusetts. Attorney Beauregard opened his own practice in Lowell, Massachusetts in 2006, whose main office is located at 25 Central Street in Lowell, MA 01852. Since 2006, the firm has grown to meet the increased demand for experienced and ethical legal representation, with offices in Nashua, NH, North Andover, MA and Boston, MA. Attorney Beauregard is licensed to practice in all Massachusetts state courts, U.S. Bankruptcy Court, and the United States Federal Court...
Paul McCarthy
Claimed Lawyer ProfileSocial Media
North Andover, MA Bankruptcy Attorney with 20 years experience
65A Flagship Drive
North Andover, MA 01845
Free ConsultationBankruptcy, Consumer, Foreclosure Defense and Real Estate
Massachusetts School of Law
Attorney Paul D. McCarthy is the Founder and Managing Partner of MAC Law Group, LLC. He has focused his practice of law on Bankruptcy, Foreclosure Defense, Asset Protection and Consumer Protection for more than 15 years. Prior to practicing law, Attorney McCarthy managed, operated and owned several real estate brokerages and mortgage banking companies. This experience gave him extensive knowledge in defending the public against abusive practices of mortgage lenders and real estate brokers. He is an active member of the National Association of Consumer Bankruptcy Attorneys (NACBA). He is regularly relied...
Mark Edward Burke Esq.
Claimed Lawyer Profile
Burlington, MA Bankruptcy Attorney with 30 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.
Thomas Beauvais
Claimed Lawyer ProfileSocial Media
Melrose, MA Bankruptcy Attorney with 9 years experience
(781) 462-1669 PO Box 761235
Melrose, MA 02176
Free ConsultationBankruptcy and Consumer
Suffolk University
Douglas Beaton
Claimed Lawyer ProfileBlawgsearchSocial Media
NORTH ANDOVER, MA Bankruptcy Lawyer with 26 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...
Panagiotis (Peter) Konstantilakis
Claimed Lawyer Profile
Peabody, MA Bankruptcy Attorney with 13 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.
Atty. John P. Keane
Claimed Lawyer Profile
Malden, MA Bankruptcy Attorney with 27 years experience
(617) 407-2728 17 Charles St.
Malden, MA 02148
Free ConsultationBankruptcy
I am a Massachusetts bankruptcy attorney with over 20 years experience.
Patrick Mead
Claimed Lawyer ProfileSocial Media
Burlington, MA Bankruptcy Lawyer with 13 years experience
(781) 333-4139 New England Executive Park, Bldg.15 Regus
Burlington, MA 01803
Free ConsultationBankruptcy and Personal Injury
Herbert Weinberg
Claimed Lawyer Profile
North Andover, MA Bankruptcy Attorney
(978) 208-2501 805 Turnpike Street
Suite 201
North Andover, MA 01845
Bankruptcy
Boston University School of Law and Brandeis University
Lisa A. Cheney Esq.
Claimed Lawyer Profile
Malden, MA Bankruptcy Lawyer
(617) 512-0115 65 Clinton Street
Suite 1
Malden, MA 02148
Bankruptcy
Bill N. Jacob
Claimed Lawyer Profile
North Andover, MA Bankruptcy Lawyer with 36 years experience
(978) 683-2479 805 Turnpike Street, Ste 201
North Andover, MA 01845
Free ConsultationBankruptcy, Business and Divorce
Keith A. Mitchell
Claimed Lawyer Profile
Andover, MA Bankruptcy Lawyer
(978) 337-0621 P.O. Box 5039
Andover, MA 01810
Bankruptcy
Dax Grantham
Claimed Lawyer ProfileSocial Media
Beverly, MA Bankruptcy Attorney with 18 years experience
(978) 595-1449 100 Cummings Center
Suite 224-C
Beverly, MA 01915
Free ConsultationBankruptcy and Business
New England Law | Boston
I grew up on the Florida Gulf Coast and finished college at the University of South Alabama, where I graduated with honors while earning bachelor degrees in both Economics and Management. After college, I moved to Boston to attend law school at New England School of Law, where I earned a position as an editor on the New England Law Review. I graduated law school in 2001 and went to work at a small boutique law firm in Boston that specialized in business litigation and bankruptcy. After gaining experience working for a Boston Litigation law firm, I fulfilled a...
David Altman
Claimed Lawyer ProfileBlawgsearchSocial Media
Cambridge, MA Bankruptcy Lawyer with 21 years experience
(800) 481-6199 689 Massachusetts Avenue
Cambridge, MA 02139
Free ConsultationBankruptcy, Medical Malpractice, Personal Injury and Products Liability
Suffolk University Law School
Since 1999, David Altman has been representing seriously injured people and their families throughout Massachusetts. David has recovered millions of dollars for people injured in cases ranging from simple negligence to the most sophisticated and complex liability cases. As the managing partner of the firm’s personal injury practice, David also oversees the other attorneys and staff at the firm in order to ensure that every case gets the attention it deserves.

While David has developed a reputation for achieving consistently outstanding results on behalf of injured people, he is probably best known for the level of service he provides. He makes...
Richard C. Hyman
Claimed Lawyer ProfileSocial Media
Hyde Park, MA Bankruptcy Attorney with 35 years experience
(617) 361-5310 1259 Hyde Park Avenue
Suite 128
Hyde Park, MA 02136
Free ConsultationBankruptcy, Personal Injury, Social Security Disability and Workers' Comp
New England Law | Boston
Attorney Richard C. Hyman has over thirty-five 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).
Christopher Tolley
Claimed Lawyer ProfileQ&ASocial Media
Boston, MA Bankruptcy Attorney with 34 years experience
(617) 367-8787 1 Washington Mall Suite 7A
Boston, MA 02108
Free ConsultationBankruptcy, Collections, Construction and Consumer
Suffolk University Law School
Meeting Your Business And Personal Legal Needs
Your needs are our needs. Your goals are our goals. We strive to provide our clients the best representation we can, employing rigorous legal analysis and considerable experience to develop client relationships where we consistently deliver success. From common to complex legal issues we seek solutions that are creative, inventive, even counter-intuitive – but always practical.

Our areas of practice include:

Debt Collection Regulation - Federal and Massachusetts
Construction Supplier Litigation
Real estate transactions – buying, selling, mortgages title issues, title insurance
Commercial and Consumer Collections
Commercial And Consumer Mortgage Foreclosures
Personal injury
Chapter 7 and 13 for Individuals and Small Businesses
Bankruptcy...
David Chenelle
Claimed Lawyer ProfileSocial Media
Westford, MA Bankruptcy Lawyer with 24 years experience
(978) 496-2000 6 Lyberty Way
Suite 201
Westford, MA 01886
Free ConsultationBankruptcy, Business, Consumer and Foreclosure Defense
Massachusetts School of Law
An advocate in the representation of consumer, commercial and business clients in the United States Bankruptcy Court. My practice involves all aspects of bankruptcy including cases filed as Chapter 7, Chapter 11 and Chapter 13. I am dedicated to helping you regain control of your finances and ultimately, your life. I provide personalized, dedicated service to my clients who are overburdened by debt and wish to make a clean financial start.
Bart Peter Simonian
Claimed Lawyer ProfileBlawgsearchSocial Media
Cambridge, MA Bankruptcy Lawyer with 27 years experience
(800) 481-6199 689 Massachusetts Avenue
Cambridge, MA 02139
Free ConsultationBankruptcy, Business, Criminal and Divorce
New England Law | Boston
Steve Holmes
Claimed Lawyer ProfileSocial Media
Lowell, MA Bankruptcy Lawyer with 28 years experience
(978) 456-5201 100 Merrimack St
Suite 205C
Lowell, MA 01852
Free ConsultationBankruptcy, Business and Real Estate
Suffolk University Law School
Member of the Massachusetts Bar since 1991
Member of Massachusetts Bar Association
Member of Middlesex County Bar Association
Member of Worcester County Bar Association
Tameka Grantham
Claimed Lawyer ProfileSocial Media
Chelmsford, MA Bankruptcy Lawyer with 13 years experience
(978) 341-5044 5 Fletcher Street
2nd Floor, Suite D
Chelmsford, MA 01824
Free ConsultationBankruptcy, Criminal, DUI and Divorce
St. Thomas University School of Law
My practice is primarily focused on consumer bankruptcy, drunk driving defense, criminal defense, and family law. My goal is help you find justice whether you are experiencing financial difficulties, have been arrested and charged with a crime, or have some other legal problem. It can be intimidating talking to a lawyer, especially when it comes to personal matters. I understand that no two cases are alike and I work hard to develop creative strategies to help my clients achieve the best results possible.
William C. Parks Esq.
Claimed Lawyer ProfileSocial Media
Boston, MA Bankruptcy Lawyer with 9 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.
Roushi Sahagen
Claimed Lawyer Profile
Boston, MA Bankruptcy Lawyer with 13 years experience
(617) 273-5110 8 Faneuil Hall
3rd Floor
Boston, MA 02109
Free ConsultationBankruptcy
Massachusetts School of Law at Andover
I am embarking on a second career as a lawyer. Prior to being a lawyer, I worked in the financial industry for five years. I graduated from the Massachusetts School of Law and is now an active member of the Volunteer Lawyers Project and Senior Partners for Justice. I also perform pro bono work as Lawyer for the Day at the Suffolk and Norfolk Probate and Family Court helping low-income litigants. I am fluent in Armenian and French. With my office located in Quincy, MA, I help clients in the Boston Metro area, primarily in Suffolk County, Middlesex County and Norfolk...
Attorney Mark C. Rossi
Claimed Lawyer ProfileSocial Media
Boston, MA Bankruptcy Lawyer with 15 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...
Brian Waller
Claimed Lawyer ProfileQ&ASocial MediaResponsive Law
Charlestown, MA Bankruptcy Attorney with 7 years experience
(781) 591-2785 529 Main St
Charlestown, MA 02129
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...
Elissa Flanagan Magnant
Claimed Lawyer Profile
Chelmsford, MA Bankruptcy Attorney with 25 years experience
(978) 513-8011 2 Meeting House Road
Suite 4
Chelmsford, MA 01824
Free ConsultationBankruptcy and Divorce
Western New England College
George C. Malonis
Claimed Lawyer ProfileSocial Media
Dracut, MA Bankruptcy Attorney with 27 years experience
(978) 453-4500 14 Loon Hill Road
Dracut, MA 01826
Free ConsultationBankruptcy, Divorce, Estate Planning and Personal Injury
Suffolk University Law School and Boston University School of Law
George C. Malonis was educated at Suffolk Law School, Babson College (MBA) and Boston University (BA). He is licensed in the states of Massachusetts and New Hampshire. George C. Malonis offers comprehensive, professional legal services with 20 years' experienced counsel and support staff.
William J. McLeod
Claimed Lawyer ProfileSocial Media
Boston, MA Bankruptcy Lawyer with 29 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...
Maegan L. Hurley
Claimed Lawyer ProfileSocial Media
Natick, MA Bankruptcy Attorney with 9 years experience
(866) 831-0236 One South Avenue
Natick, MA 01760
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...
Dmitry Lev
Claimed Lawyer Profile
Watertown, MA Bankruptcy Lawyer with 14 years experience
(617) 556-9990 134 Main Street
Watertown, MA 02472
Bankruptcy, Collections and Consumer
Roger Williams University
Lamya A. Forghany
Claimed Lawyer ProfileQ&A
Andover, MA Bankruptcy Attorney with 11 years experience
(978) 258-0384 300 Brickstone Square
Suite 201
Andover, MA 01810
Free ConsultationBankruptcy, Criminal, Foreclosure Defense and Landlord Tenant
Massachusetts School of Law
Firm Focus and History I established Forghany Law, P.C. with the philosophy of a small firm helping people with their legal dilemmas. Forghany Law, P.C. focuses on Chapter 7 & 13 Consumer (Debtor) Bankruptcy. Family Law, Criminal Defense. We also handle Personal Injury, Torts, and Products Liability. Check out the website www.ForghanyLaw.com for a complete list. Previous Employment Summary I am no stranger to hard work. During my college years, I was a volunteer EMT. During law school I taught CPR for the American Red Cross, and also was a computer repair technician. Now during my short career as an attorney, I have had...
Monique Boucher Lamb
Claimed Lawyer ProfileSocial Media
Salem, MA Bankruptcy Attorney with 21 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: ...
Richard Schifone
Claimed Lawyer Profile
Somerville, MA Bankruptcy Attorney with 26 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...
Scott Christopher Hubbell
Claimed Lawyer Profile
Auburndale, MA Bankruptcy Lawyer with 24 years experience
(508) 259-2886 275 Grove Street, Suite 2-400
Auburndale, MA 02466
Bankruptcy
Western Michigan University Cooley Law School
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Reading Bankruptcy Legal Aid & Pro Bono Services

Neighborhood Legal Services, Inc.
(781) 599-7730
Lynn, MA


AIDS Action Committee
(617) 661-2508
Cambridge, MA

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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.