Toms River, New Jersey Bankruptcy Lawyers

Justin M. Gillman
PREMIUM

Personal & Small Business Bankruptcy Expert - BBB Rated A+ - Free Consultation

Justin M. Gillman, Esq. has practiced in the area of consumer and small business bankruptcy law, foreclosure prevention and related matters since 1997. He is admitted to the New Jersey and New York State Bars, the United... Read More »
10.0Justia Lawyer Rating for Justin M. Gillman View Profile
Louis Angelo Felicetta
Claimed Lawyer ProfileSocial Media
Toms River, NJ Bankruptcy Lawyer with 19 years experience
(732) 797-1600 9 Robbins St
Toms River, NJ 08753
Free ConsultationBankruptcy, Construction, Environmental and Real Estate
Widener University Commonwealth Law School
I was drawn to the practice of law because of the way it pervades everyday life. Whether an individual or a global conglomerate, the law affects not only the conduct of our business affairs, but also the conduct of our lives as a whole. As an attorney, my primary objective is providing exceptional legal counsel to residents of Toms River and Ocean County who find themselves faced with the complex and diversified legal problems that are ever present in today’s environment. At Carluccio, Leone, Dimon, Doyle & Sacks, LLC, I am fortunate to be surrounded by experienced and...
Kurt Reinheimer
Claimed Lawyer Profile
Toms River, NJ Bankruptcy Attorney with 27 years experience
(732) 349-4650 2494 Moore Road, Suite #4
Toms River, NJ 08753
Free ConsultationBankruptcy, Foreclosure Defense, Landlord Tenant and Real Estate
Mr. Reinheimer received his Bachelor of Arts Degree in Political Science in 1988 from Ursinus College. He attended Thomas M. Cooley Law School in Lansing, Michigan where he received his Juris Doctor in 1992. While attending law school, Mr. Reinheimer was a law clerk/legal intern for the Sixty Plus Elderlaw Clinic where he concentrated in Elderlaw issues along with Estate Planning and general litigation. Upon Mr. Reinheimer’s completion of law school, he served as judicial law clerk for the Honorable Michael D. Farren, P.J.Cv. in Monmouth County, New Jersey. After his judicial clerkship, Mr. Reinheimer was an associate with...
Toms River, NJ Bankruptcy Lawyer
204 Court House Lane
Toms River, NJ 08754
Bankruptcy
Rutgers University School of Law
Toms River, NJ Bankruptcy Attorney with 25 years experience
(856) 751-4224 230 Main Street, Ste B
Toms River, NJ 08753
Bankruptcy
Rodney John Alberto
Claimed Lawyer ProfileQ&ASocial Media
Forked River, NJ Bankruptcy Attorney with 15 years experience
(732) 200-0779 949 Lacey Road - Lower Level
www.albertobrothers.com
Forked River, NJ 08731
Bankruptcy, Business, Immigration and Landlord Tenant
Boston College
Hello! My name is Rodney Alberto, Esq. I am an attorney who is barred in both New Jersey and New York. I currently practice with my brother, Roderick Alberto, Esq. We run a boutique law practice that concentrates in the areas of immigration, real estate, and elder law. While our Forked River, NJ office is our headquarters, we have satellite locations in (1) Toms River, NJ, (2) Old Bridge, NJ and (3) internationally, in the Philippines. You can find us at the following web pages: www.albertobrothers.com www.realestatelawbrothers.com www.elderlawbrothers.com www.visabrothers.com
Steven Abelson
Claimed Lawyer ProfileSocial Media
Forked River, NJ Bankruptcy Lawyer with 37 years experience
(877) 552-5529 915 Lacey Road
Forked River, NJ 08731
Bankruptcy
Our practice has been specializing in consumer bankruptcy and related consumer litigation since 1990. We help individuals file for protection under Chapters 7, 13, and 11 of the United States Bankruptcy Code. We know bankruptcy can be hard, having an experienced bankruptcy lawyer who will help go through all your options is important. Prior to making any decision to file for bankruptcy, we work with clients to consider alternative solutions of debt relief including debt negotiations, referrals to consumer credit counseling organizations or qualified mortgage brokers if refinance or reverse mortgages are appropriate considerations. As necessary, we will...
Brian O'malley
Claimed Lawyer Profile
BRICK, NJ Bankruptcy Attorney with 36 years experience
(732) 262-5300 BRICK, NJ 08723
Free ConsultationBankruptcy, Business, Estate Planning and Foreclosure Defense
Lazaro Cardenas
Claimed Lawyer ProfileSocial MediaResponsive Law
Freehold, NJ Bankruptcy Lawyer with 1 year experience
(844) 533-3367 1 Broad Street
Suite 9
Freehold, NJ 07728
Free ConsultationBankruptcy, Foreclosure Defense, Probate and Real Estate
Rutgers School of Law-Newark
Why I became a Real Estate and Probate Attorney focusing on Protecting People’s Future Today:

Since founding the firm, I’ve had the pleasure of working with countless families. I take my job as a counselor very serious and take great pride in assisting the families that walk through our doors. Every day, I strive to become a better practitioner and to offer more options and better advice to clients. This makes me very happy and it is one of the most rewarding experiences of my life.

My partners are two dedicated individuals who truly compliment me, and both have similar ethical and...
Brian Winters
Claimed Lawyer ProfileQ&AResponsive Law
Bradley Beach, NJ Bankruptcy Attorney with 26 years experience
(732) 774-1212 Main St & Lareine Ave
P.O. Box 188
Bradley Beach, NJ 07720
Free ConsultationBankruptcy, Appeals, Divorce and Family
Duke University
I’m a jersey shore guy - born and raised. Tufts, Duke, university college London , and back to N.J.

I’m a certified matrimonial law attorney with 26 years experience. I’m expert in all types of family law cases, including appeals. I’ve handled over 200 cases in the appellate division and Supreme Court

I also have a concentration in bankruptcy, chapters 7 and 13.
Paul J. Riviere
Claimed Lawyer ProfileQ&ASocial Media
Jackson, NJ Bankruptcy Lawyer with 10 years experience
(732) 646-5529 19 North County Line Road
STE 14
Jackson, NJ 08527
Free ConsultationBankruptcy, Business, Criminal and Workers' Comp
St. Thomas University School of Law
Our firm is a litigation team of New Jersey Lawyers that provides unmatched personal service for your legal matters. Our lawyers have represented companies ranging from small business to Fortune 500. Our firm has real trial experience and we provide great results. Our track record and customer reviews exemplify that our team of lawyers are committed to your success in the NJ Courts. We look forward to being the lawyer you deserve and fighting hard to win your case! Contact us today for a free consultation.
Jeffrey R. Brown
PREMIUM

New Jersey Bankruptcy Attorney with 21 years experience

Born in 1973, Jeffrey R. Brown grew up in East Brunswick and continues to both work as well as reside there with his wife and son. Jeffrey R. Brown began his legal career in 1998 as a law clerk to Superior Court Judge... Read More »
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John Newman
Claimed Lawyer ProfileSocial Media
Freehold, NJ Bankruptcy Lawyer with 21 years experience
(732) 567-0838 1 Broad Street
Suite 11
Freehold, NJ 07728
Free ConsultationBankruptcy
Seton Hall University School of Law
A law firm specializing in bankruptcy law located in Freehold, Monmouth County, serving Manalapan, Millstone, Marlboro, Englishtown, Farmingdale, Howell, Jackson and Allentown.  Office also located in Lake Como, NJ.  Reasonable rates, personal service.  Payment plans available. Free consultations.  All consultations by appointment only.
Douglas Tabachnik
Claimed Lawyer ProfileSocial Media
Freehold, NJ Bankruptcy Attorney with 38 years experience
(732) 780-2760 63 W Main St
Freehold, NJ 07728
Bankruptcy, Business and Collections
Syracuse University College of Law
Commercial and business Bankruptcy Attorney, certified by the American Board of Certification in business bankruptcy law. AV rated by Martindale Hubell every year since 2000; selected every year since 2007 by the publishers of the Super Lawyers list for New Jersey.
Michael L Detzky Esq.
Claimed Lawyer Profile
Freehold, NJ Bankruptcy Attorney with 40 years experience
(732) 780-3090 Detzky & Hunter, LLC
45 Court Street
Freehold, NJ 07728-1709
Bankruptcy, Criminal, Foreclosure Defense and Immigration
Rutgers School of Law-Newark
Michael L. Detzky has been representing individuals and business in bankruptcy for over thirty years. He served as a member of the private panel of Chapter 7 bankruptcy trustees in the U.S. Bankruptcy Court for the District of New Jersey in Trenton for over 15 years and lectures extensively on bankruptcy issues for the New Jersey Institute for Continuing legal education and the U.S. Navy. Mr. Detzky brings a unique element to bankruptcy law practice. As a highly respected member of the New Jersey Bankruptcy Bar, he will enable clients with both New Jersey and New York connections to seamlessly accomplish...
Roberta Burcz
Claimed Lawyer Profile
Point Pleasant, NJ Bankruptcy Attorney with 39 years experience
(732) 892-7334 1229 Bay Ave
Point Pleasant, NJ 08742
Free ConsultationBankruptcy, Business, Estate Planning and Foreclosure Defense
Philip C. Pyle
Claimed Lawyer Profile
Manasquan, NJ Bankruptcy Lawyer
(732) 865-5150 2640 Highway 70
Bldg. 1-A
Manasquan, NJ 08736
Bankruptcy, Appeals, Construction and Consumer
Former AIG Claims Analyst, New York, 1985-2008 INA/CIGNA Insurance, Cincinnati, 1978-1984 USF&G Insurance, Cleveland, 1977-1978 New Jersey resident, 1959-1966; 1985-present.
Amy Lynn Knapp
Claimed Lawyer Profile
Browns Mills, NJ Bankruptcy Lawyer
(609) 836-5464 6 Juliustown Road
P.O. Box 566
Browns Mills, NJ 08015
Bankruptcy, Foreclosure Defense, Immigration and Real Estate
Manasquan, NJ Bankruptcy Attorney
(732) 223-8484 25 Abe Voorhees Dr
Manasquan, NJ 08736
Bankruptcy, Civil Rights, Elder and Estate Planning
Manasquan, NJ Bankruptcy Lawyer with 36 years experience
(732) 223-8484 25 Abe Voorhees Dr
Manasquan, NJ 08736
Bankruptcy
Freehold, NJ Bankruptcy Attorney with 19 years experience
(732) 252-2604 501 Stillwells Corner Road
A2
Freehold, NJ 07728
Bankruptcy
Manasquan, NJ Bankruptcy Lawyer with 46 years experience
(732) 223-8484 25 Abe Voorhees Dr
Manasquan, NJ 08736
Bankruptcy and Business
Freehold, NJ Bankruptcy Attorney with 44 years experience
(732) 780-4222 9 South St
Freehold, NJ 07728
Bankruptcy
Manasquan, NJ Bankruptcy Attorney with 37 years experience
(732) 223-8484 25 Abe Voorhees Dr
Manasquan, NJ 08736
Bankruptcy and Business
Belmar, NJ Bankruptcy Attorney with 28 years experience
(732) 681-8111 2750 18th Ave
Belmar, NJ 07719
Bankruptcy and Municipal
Brad Jonathan Sadek
Claimed Lawyer ProfileQ&ASocial Media
(856) 890-9003 1 Mall Drive
Suite 415
Cherry Hill, NJ 08002
Free ConsultationCherry Hill, NJ Bankruptcy Attorney with 16 years experience
Bankruptcy, Family and Foreclosure Defense
Rutgers University - Camden
Proudly helping residents of the Philadelphia and Southern New Jersey region for over 14 years!

Sadek & Cooper Law Offices, LLC provides high quality legal services, including Consumer Bankruptcy Law, Business Bankruptcy Law, Divorce and Family Law, among other legal fields to clients throughout Philadelphia, PA and surrounding areas, including, Montgomery, Bucks, Chester, Delaware Counties and Southern New Jersey.

Our primary law office is conveniently located near public transportation and attractions in Center City Philadelphia, PA. Our lawyers are readily available for our clients and understand that you may not be in the most ideal situation. Our office offers...
Charles D. Whelan III
Claimed Lawyer ProfileSocial Media
New Brunswick, NJ Bankruptcy Attorney with 37 years experience
(732) 214-0300 114 Bayard Street
New Brunswick, NJ 08901
Free ConsultationBankruptcy, Arbitration & Mediation, Collections and Foreclosure Defense
I have been an attorney in general civil practice for more than 30 years. My firm is committed to excellence. I get to know my clients and that makes me more effective in representing them. I am fully insured for professional liability, but have never been sued by a client in all of my years as an attorney. Initial consultations are free, and home and hospital visits are available when needed. I look forward to helping you with your legal matter. Visit my website at www.whelan-law.com
Joel R. Spivack
Claimed Lawyer ProfileSocial MediaResponsive Law
Cherry Hill, NJ Bankruptcy Lawyer with 28 years experience
(856) 488-1200 1415 Marlton Pike East
Suite 302
Cherry Hill, NJ 08034
Bankruptcy, Foreclosure Defense and Real Estate
Hofstra University
I am New Jersey bankruptcy lawyer Joel R. Spivack, Esq. I provide comprehensive debt relief services, including Chapter 7 and Chapter 13 filings, mortgage modifications and other solutions that may be helpful in your situation. I have been practicing consumer bankruptcy law since 1990. In 1995, I opened my Cherry Hill, NJ law office. Since then, I have helped thousands of people in Camden, Burlington and Gloucester counties and surrounding communities get fresh starts on their finances. Let me help you.
Karim Patrick Husain
Claimed Lawyer ProfileSocial Media
Marlton, NJ Bankruptcy Lawyer with 21 years experience
(610) 308-9747 10000 Lincoln Dr
#201
Marlton, NJ 08053
Bankruptcy, Estate Planning, Probate and Tax
Villanova University School of Law and University of Pittsburgh School of Law
Karim P. Husain concentrates his practice in the areas of Wills, Trusts & Estates, Bankruptcy, Business Consulting & Commercial Litigation and Tax Controversies & Tax Litigation. Formerly a senior associate with a private law firm and a Big 4 accounting firm, he also served as a judicial law clerk to the Hon. Charles A. Lord of the Commonwealth Court of Pennsylvania and to the Hon. Robert A. Latrone of the Philadelphia Court of Common Pleas. A long-time resident of the Philadelphia area, Mr. Husain received his Master of Laws in Taxation from the Villanova University School of Law, Juris Doctorate...
Marvin Wolf
Claimed Lawyer ProfileSocial Media
Bayonne, NJ Bankruptcy Attorney with 23 years experience
(844) 627-8461 561 Broadway, Suite 3
Bayonne, NJ 07002
Free ConsultationBankruptcy, Business, Divorce and Foreclosure Defense
Brooklyn Law School
I am a solo attorney with a bankruptcy, consumer, foreclosure defense, matrimonial and small business concentration. Because I am admitted in NY, NJ and PA, I can handle multi-jurisdictional issues - helping clients with problems in different states. Bankruptcy and divorce involves finding creative solutions to sometimes unique problems and personalities. I am very straightforward and cut through the bull to get to the heart of the matter and try to save clients money. I provide discounted legal services to union members through Union Plus, and Local 32B-J.
Leonard R. Boyer
Claimed Lawyer ProfileQ&A
4400 U.S. Route 9 South
Suite 1000
Freehold, NJ 07728
Free ConsultationFreehold, NJ Bankruptcy Lawyer with 34 years experience
Bankruptcy, Divorce, Foreclosure Defense and Real Estate
New York Law School
Although my firm practices in several different fields of law, my expertise is primarily in Mortgage Foreclosure Defense,Divorce & Family Law, Bankruptcy, and Mortgage loan modification. In terms of divorce law, I have a unique prospective from both my personal and professional experience that few other attorneys can match. To me, each case is personal, each client is a person, never just a file number.
Andy Winchell
Claimed Lawyer ProfileSocial Media
Berkeley Heights, NJ Bankruptcy Attorney with 22 years experience
(973) 457-4710 100 Connell Drive
Suite 2300
Berkeley Heights, NJ 07922
Free ConsultationBankruptcy, Business and Consumer
University of Southern California
The Law Offices of Andy Winchell, P.C., is a law firm in Berkeley Heights, New Jersey, that handles many types of financial issues for both individuals and businesses. We focus our practice on means to help your financial situation through bankruptcy, foreclosure defense, mortgage loan modification, actions against debt collectors and insolvency issues for consumer and commercial clients. We take a personalized approach to every client who contacts our office. We understand there are various types of problems and situations, and each one calls for a different, specialized strategy based on the particular circumstances. It is our goal to...
Richard DiTomaso
Claimed Lawyer ProfileSocial Media
Cherry Hill, NJ Bankruptcy Lawyer with 24 years experience
(866) 367-5377 900 N. Kings Highway
Suite 302
Cherry Hill, NJ 08034
Free ConsultationBankruptcy, Medical Malpractice, Personal Injury and Workers' Comp
Valparaiso University School of Law
My name is Richard DiTomaso, founder of DiTomaso Law. I grew up in South Philadelphia in a working class family. Today I am a Certified Civil Trial Attorney, focused on aggressively representing injured accident victims. I have been a practicing attorney for almost 20 years and have recovered millions of dollars for these victims. I have fought for clients who were injured in all kinds of accidents – motor vehicle accidents, slip and fall, product liability, construction, workplace, bar room assaults, and dog bites. I have seen first hand the devastating effects that accidents can have on the lives of...
Edmund Fitterer Jr
Claimed Lawyer ProfileSocial Media
Red Bank, NJ Bankruptcy Lawyer with 18 years experience
(732) 842-6500 54 Shrewsbury Avenue
Red Bank, NJ 07701
Bankruptcy, Business and Real Estate
Seton Hall University School of Law
With more than fifteen years of litigation and transactional experience, Mr. Fitterer provides highly skilled representation in legal matters involving business law, civil litigation and real estate. Mr. Fitterer’s proactive and strategic approach to representation is of great value to his diverse clientele and has led to many notable successes.

He earned a Bachelor of Arts Degree in Criminal Justice from Monmouth University in West Long Branch, New Jersey. As a student, he was a member of Alpha Phi Sigma, the National Criminal Justice Honor Society, and was able to extend his studies abroad to London, England. Mr. Fitterer...
Robert C Thurston
Claimed Lawyer ProfileSocial Media
Cherry Hill, NJ Bankruptcy Lawyer with 31 years experience
(856) 335-5291 Thurston Law Offices LLC
100 Springdale Road A3, PMB 287
Cherry Hill, NJ 08003
Free ConsultationBankruptcy, Consumer, Education and Family
Ohio State University - Columbus
Over 30 years of experience, primarily in litigation, trials and insurance work. Over 10 years of experience in special education law.
Warren Levy
Claimed Lawyer ProfileSocial Media
Edison, NJ Bankruptcy Lawyer with 29 years experience
(732) 253-7630 340 Route 1 North
Department of NJ Family Law & Divorce
Edison, NJ 08817
Free ConsultationBankruptcy, Consumer, Divorce and Foreclosure Defense
Temple University
Attorney Warren D. Levy is one of the original key founders of the law firm and is the head attorney behind the Law Offices of Kasuri & Levy, LLC. With over 20 years of experience in various fields, primarily in Divorce & Family Law: (Child Custody, Child Support, Domestic Violence, Domestic Partnerships, Collaborative Law, Protection Orders, Restraining Orders, Men/Father Rights, Female/Mother Rights, International Divorce, Invalid Marriages, Fraudulent Marriages, Legal Separation, Non-Paternal Custody, Adoption, Paternity, Pre-Nuptial Agreements, Post-Nuptial Agreements, Cohabitation Agreements, Name Change, Jewish Gets (religious divorce), Annulments, IVF Donor & Surrogacy Agreements, Family Law Mediation, Parenting Plan Agreements,...
Mark Stuart Cherry
Claimed Lawyer ProfileSocial Media
Cherry Hill, NJ Bankruptcy Attorney with 33 years experience
(856) 324-0307 385 Kings Highway North
Cherry Hill, NJ 08034
Free ConsultationBankruptcy, Foreclosure Defense, Real Estate and Tax
Widener University Delaware School of Law and Temple University Beasley School of Law
Over 30 Years Experience Helping Individuals and Businesses with Financial and Litigation Matters including Contracts, Bankruptcies, Wills and General Practice.
Andrew Miller
Claimed Lawyer ProfileSocial Media
Northfield, NJ Bankruptcy Attorney with 36 years experience
1550 New Rd, Ste A
Northfield, NJ 08225
Free ConsultationBankruptcy, Business, Landlord Tenant and Municipal
Capital University Law School
Serving Atlantic & Cape May Counties. Andrew Mill has been voted a Best of the Press award winner for three years in a row. While Andy says, "I must be doing something right," he does not take winning the Reader's Choice Best of the Press award for legal services lightly at all. As a sole practitioner, he works tirelessly for his clients. The Law office of Andrew L. Miller is located on New Road in Northfield. Andy has been practicing law since 1981 and in his own practice since 1989....
Filipe Pedroso
Claimed Lawyer ProfileSocial Media
Somerville, NJ Bankruptcy Lawyer with 22 years experience
(732) 200-2300 892 US-22, Fl. 2
Somerville, NJ 08876
Bankruptcy, Consumer, Family and Foreclosure Defense
Seton Hall University School of Law
Over the years I have received many awards and recognitions for exceptional service, client satisfaction and highest ethical standards. The Legal Network has recognized me as “Top Lawyers in New Jersey” several years in a row. I have been invited to join elite Top 100 National Trial Lawyers due to strong qualifications as TOP civil/criminal defense trial lawyers. I was nominated as one of the "10 Best" attorneys in NJ by the American Institute of Family Law Attorneys. Currently, I'm the managing attorney at two successful law firms: eLAWnj.com Pedroso Legal Services LLC and...
Andrew Archer
Claimed Lawyer ProfileSocial Media
Collingswood, NJ Bankruptcy Attorney with 11 years experience
(856) 963-5000 175 Richey Avenue
Collingswood, NJ 08107
Free ConsultationBankruptcy and Personal Injury
Oklahoma City University School of Law
With over 10 years of experience, Attorney Andrew Archer focuses his practice on bankruptcy, foreclosure defense, debt relief and helping you saving your home. At our NJ law firm, Brenner Spiller & Archer, LLP, we represent clients throughout central and southern New Jersey. We currently have four offices, with our main office in Collingswood. We also have 3 additional locations in Mount Holly, Freehold and Vineland. We offer convenient appointments when necessary, as well as free initial consultations.
Changi Wu
Claimed Lawyer ProfileQ&A
Edison, NJ Bankruptcy Attorney with 4 years experience
(848) 219-0909 33 Wood Avenue South
Suite 600
Edison, NJ 08830
Free ConsultationBankruptcy, Business, IP and Patents
Rutgers School of Law-Newark
Patent application and prosecution, trademark application, patent licensing, corporation formation, copyright registration, NDA, Infringement defense, and Estate Planning. I was graduated from Rutgers School of Law with the award of American Bar Association/BNA Excellence Award in Intellectual Property. My practice is to safeguard your intellectual property rights. I have assisted many startups and solo inventors to prepare patent and trademark applications. Moreover, some of the clients have obtained licensing opportunity since then.
William A. Nash Esquire
Claimed Lawyer Profile
Gloucester Township, NJ Bankruptcy Lawyer with 23 years experience
(856) 228-2206 1001 Melrose Ave
Suite A
Gloucester Township, NJ 08012
Free ConsultationBankruptcy, Business, Foreclosure Defense and Personal Injury
Villanova University
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Bankruptcy Lawyers in Nearby Cities

Bankruptcy 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.