Ossining Bankruptcy Lawyers

Compare 101 top rated New York attorneys serving Ossining.
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Steven T. Davis
PREMIUM
Steven T. Davis

New York Bankruptcy Lawyer

Maurice A. Deane School of Law at Hofstra University
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Andrew Reich
PREMIUM
Andrew Reich

New York Bankruptcy Attorney

University of Michigan Law SchoolNew York
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Joseph A. Gershman
PREMIUM
Joseph A. Gershman

Skilled & Dedicated Legal Representation for Your Complex Bankruptcy Matters!

I am an experienced and knowledgeable bankruptcy law attorney. I am committed to aggressive representation for all of your complex bankruptcy litigation needs! Visit my website for case results, call for a consultation. Read More »
10.0Justia Lawyer Rating for Joseph A. Gershman View Profile
Mr. Robert J. Nahoum Esq.
Claimed Lawyer ProfileBlawg SearchSocial Media
Mr. Robert J. Nahoum Esq.
Nyack, NY Bankruptcy Lawyer with 19 years of experience
(845) 450-2906 48 Burd Street
300
Nyack, NY 10960
Free ConsultationBankruptcy, Business, Collections and Consumer
Albany Law School of Union University
ROBERT J. NAHOUM has extensive experience in all areas of litigation before federal and state courts from preliminary injunctions to trials to appeals. He handles complex disputes in a wide variety of fields representing both individuals and businesses. CLIENT WORK In his Individual Practice, Robert has acted as a zealous advocate protecting the consumer protection rights of his clients including those afforded under the Federal Fair Debt Collection Practices Act, the Fair Credit Reporting act and other laws. Robert is devoted to protecting the consumer protection rights of his clients including stopping illegal debt collection practices and keeping distressed...
Benjamin Adams
Claimed Lawyer ProfileSocial Media
Benjamin Adams
White Plains, NY Bankruptcy Attorney with 25 years of experience
470 Mamaroneck Avenue #306
White Plains, NY 10605
Free ConsultationBankruptcy and Real Estate
Brooklyn Law School
Benjamin M. Adams, the founder and principal of Adams Law Group, LLC, has a record of excellence that shows in his legal education and in his legal career.
Todd Steven Cushner
Claimed Lawyer ProfileSocial Media
Todd Steven Cushner
White Plains, NY Bankruptcy Attorney with 18 years of experience
(914) 600-5502 399 Knollwood Rd
Suite 205
White Plains, NY 10603
Free ConsultationBankruptcy, Estate Planning and Foreclosure Defense
St. John's University School of Law
Since 2001, I have had extensive experience in the area of Consumer Bankruptcy , Chapters 7 and 13. Over the years I have help many individuals and families regain economic stability by losing their debt and keep their homes without losing their dignity. Bankruptcy is a "power move" available to all Americans who qualify.

Chapter 11 is available to business as well as individuals who cannot meet the chapter 13 requirements. We have helped many small businesses and individuals reorganize debt and get back to business and life with much improved economics.

Additionally, we have helped...
Anthony J. Maiocchi
Claimed Lawyer ProfileSocial Media
Anthony J. Maiocchi
Hawthorne, NY Bankruptcy Lawyer with 41 years of experience
(914) 347-2300 22 Saw Mill River Rd
Hawthorne, NY 10532
Free ConsultationBankruptcy, Business, Collections and Landlord Tenant
Fordham University
Andrew O'Toole
Claimed Lawyer Profile
Andrew O'Toole
Katonah, NY Bankruptcy Lawyer with 22 years of experience
22 Valley Road
Katonah, NY 10536
Bankruptcy, Arbitration & Mediation, Business and Securities
Harvard University
Gwendolyn Elaine Jackson
Claimed Lawyer ProfileOffers Video Chat
Gwendolyn Elaine Jackson
Valley Cottage, NY Bankruptcy Lawyer with 26 years of experience
(845) 268-3945 49 Forest Glen Road
Valley Cottage, NY 10989
Offers Video ChatBankruptcy, Business and Personal Injury
Widener University Delaware School of Law
Frank J LaPerch
Claimed Lawyer Profile
Frank J LaPerch
Stony Point, NY Bankruptcy Lawyer with 21 years of experience
(845) 942-5500 148 South Liberty Drive
Stony Point, NY 10980
Free ConsultationBankruptcy
FRANK J. LAPERCH, ESQ. Admitted: New York State Bar; U.S. District Court, Southern District of New York. Experience: Frank J. LaPerch graduated from the Quinnipiac University School of Law in 1998. During law school, he interned for the Rockland County District Attorney's Office. Upon admission, Frank focused his private practice in the following areas: Bankruptcy, Family Law, Real Estate and Criminal Law. Frank is an active member of the Family and Criminal Law Assigned Counsel program of the Rockland County Bar Association. He has also taught several paralegal courses for the Washington Online Legal Institute (WOLI). Frank is also a former Acting Justice...
Michael H Schwartz
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Michael H Schwartz
White Plains, NY Bankruptcy Attorney with 37 years of experience
(914) 997-0071 One Barker Avenue
White Plains, NY 10601
Free ConsultationBankruptcy and Foreclosure Defense
New York Law School
Michael H. Schwartz has been helping people get their lives back on track throughout the Westchester, Rockland, Putnam, Hudson Valley and New York City area for over 30 years through bankruptcy, foreclosure defense, and mortgage modifications.

As Westchester County’s leading consumer bankruptcy firm, Michael H. Schwartz, P.C., has earned a reputation for making the process as easy and painless as possible. We have helped thousands of people preserve their families, save their homes, their possessions, their jobs and their dignity.

The firm also assists businesses with filing for bankruptcy protection and represents parties to bankruptcy proceedings. Michael H. Schwartz, P.C.,...
Allen A. Kolber, Esq.
Claimed Lawyer ProfileOffers Video ChatSocial Media
Allen A. Kolber, Esq.
Suffern, NY Bankruptcy Attorney with 31 years of experience
(845) 918-1277 Rockland County Office
134 Route 59, Suite A
Suffern, NY 10901
Free ConsultationOffers Video ChatBankruptcy and Foreclosure Defense
Benjamin N. Cardozo School of Law
Our only practice is Bankruptcy Law and Foreclosure Defense.


Allen A. Kolber, Esq. graduated as a Belkin Fellow from Cardozo Law School in 1987 and was admitted into the New York State Bar. Mr. Kolber served as a Queens County Assistant District Attorney, was appointed a Supervisor in the Trial Bureau and later served in the Appeals Bureau drafting and arguing appeals before the New York State Appellate Division. In 1991, Allen Kolber accepted a position with a Wall Street litigation firm, and for the next 7 years, Mr. Kolber represented Underwriters at Lloyds of London in the...
Natasha Meruelo
Claimed Lawyer ProfileSocial Media
Natasha Meruelo
White Plains, NY Bankruptcy Lawyer with 13 years of experience
(914) 752-5098 99 Church St. 4th Floor
Suite 401
White Plains, NY 10601
Free ConsultationBankruptcy, Foreclosure Defense and Tax
Fordham University School of Law
As the founder of Natasha Meruelo, Attorney at Law, White Plains attorney Natasha C. Meruelo Esq. provides legal assistance in bankruptcy and other debt relief matters. Presently, Attorney Meruelo maintains active legal licenses in three jurisdictions: the District of Columbia, New York and New Jersey. She received her undergraduate degree from New York University and her Juris Doctor degree from the Fordham University School of Law. Get in touch with her firm today for your free consultation.
Stephen Bilkis
PREMIUM
Stephen Bilkis

Free Consultation! Highly Experienced Bankruptcy Law Attorney! Skilled Advocacy!

I am a knowledgeable and effective bankruptcy lawyer. I am committed to providing personal service and the best possible results! Visit my website for more information about your rights, call for a free consultation. Read More »
10.0Justia Lawyer Rating for Stephen Bilkis View Profile
Stephen Z. Starr
PREMIUM
Stephen Z. Starr

New York Bankruptcy Attorney with 28 years of experience

University of Southern California Gould School of LawCalifornia, District of Columbia, New Jersey and New York
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David H. Relkin
Claimed Lawyer ProfileOffers Video ChatQ&AResponsive Law
David H. Relkin
White Plains, NY Bankruptcy Attorney with 34 years of experience
(212) 244-8722 15 Stewart Place--12 D
White Plains, NY 10603
Offers Video ChatBankruptcy, Arbitration & Mediation, Business and Collections
Benjamin N. Cardozo School of Law
Northwestern University, B.A., Honors in Philosophy.
Attended Harvard, Columbia University, and Laval University [Montreal]
City University of the State of New York, New York, M.A. Ancient Greek Philosophy, 1982.
New School for Social Research, New York, M.A. Modern European Philosophy, 1983.
Writer and Lecturer on Broad Range of Legal Issues: "Fraudulent Conveyances (New Broad Scope of Debtor Liability for Collections)": "The New Scope of Web-Based Jurisdiction to sue foreign Entities"; "Litigation Strategies to Win"; "New Concerns for Lenders in Bankruptcy Litigation"; Author of "Creative and Strategic Analysis To Win", Author: "How to Lose a Litigation"; "Is Arbitration still viable?" Author and...
Jesus A. Cachaya Jr.
Claimed Lawyer ProfileLII SilverSocial Media
Jesus A. Cachaya Jr.
White Plains, NY Bankruptcy Attorney with 11 years of experience
(800) 318-9750 203 E Post Rd
1st Floor
White Plains, NY 10601
Bankruptcy, Foreclosure Defense, Immigration and Personal Injury
Capital University Law School
Harris Donald Leinwand
Claimed Lawyer ProfileSocial Media
Harris Donald Leinwand
CARMEL, NY Bankruptcy Lawyer with 51 years of experience
(917) 538-0915 8 BLAIR HEIGHTS
CARMEL, NY 10512
Bankruptcy
Cornell University
retired 1n 2012 Has represented secured and unsecured creditors including banks, major oil companies, steel companies, mineral companies, food companies and numerous other fortune 500 companies, major landlords, creditors' committees, debtors, equity holders and equity holders' committees and third parties including landlords, equipment lessors, purchasers of assets, funders of plans, lenders, shareholders and consignors in Chapter 11 cases, plaintiffs and defendants in actions for preferences and fraudulent conveyances. Has represented trustees and debtors in Chapter 7 cases. Has previously represented assignors and assignees in assignments for the benefits of creditors, and buyers and sellers in bulk sales. Has represented banks against...
Patrick W. Begos
Claimed Lawyer Profile
Patrick W. Begos
Bronxville, NY Bankruptcy Lawyer with 32 years of experience
(914) 961-4441 51 Pondfield Rd
Bronxville, NY 10708
Bankruptcy, Appeals, Arbitration & Mediation and Employment
Columbia Law School
Patrick W. Begos is a founding member of the firm and senior partner in the Westport office. He heads the firm's trial and appellate group. Pat brings 19 years of litigation, arbitration, mediation and negotiation experience to the firm. Prior to forming Begos Horgan & Brown, Patrick was a partner in the New York City litigation firm Molton & Meekins (1995-1998), and he was previously associated with Weil, Gotshal & Manges (1990-1995); and Lane & Mittendorf (1988-1990). He is a current member of the Trial Tactics and the Life, Health and Disability Sections of the Defense Research Institute, and a member...
Ronald S. Cook
Claimed Lawyer ProfileSocial Media
Ronald S. Cook
White Plains, NY Bankruptcy Lawyer with 16 years of experience
(917) 464-3815 445 Hamilton Ave
White Plains, NY 10601
Free ConsultationBankruptcy, Tax and Traffic Tickets
New York Law School
Attorney Cook is an experienced attorney and has been profiled as an expert on the New York Law Journal website. He has extensive experience in resolving legal issues and has authored numerous books, articles, and videos. He has assisted thousands of clients. He has decades of expertise with debt related matters including bankruptcy, loan modifications, foreclosure defense, short sales, judgments, wage garnishments, work outs, debt elimination, debt reduction, debt consolidation, and deed in lieu of foreclosure. Attorney Cook is experienced in working with individuals, couples, business owners, Law Firms, Fortune 500 Firms, and Wall Street Firms. Attorney Cook achieved straight...
Theodore 'Ted' Araujo
Claimed Lawyer ProfileResponsive Law
Theodore "Ted" Araujo
White Plains, NY Bankruptcy Attorney with 34 years of experience
(914) 206-9614 Bodow Law Firm PLLC
50 Main Street, 10th Floor
White Plains, NY 10606
Free ConsultationBankruptcy and Foreclosure Defense
SUNY Buffalo
Ted is the Chair for the State of New York (Northern and Western Districts) for the National Association of Consumer Bankruptcy Attorneys. I am the Managing Attorney for the Bankruptcy Law Center. We have offices in Syracuse and White Plains, New York. After I graduated from Cornell University with a degree in Economics I went to the State University of New York at Buffalo, where I got not only my law degree by also my Master of Arts Degree in Economics. Rather than jump right into private practice I decided to voluntarily give back to my country by joining the U.S....
David Sheridan Waltzer
Claimed Lawyer ProfileSocial Media
David Sheridan Waltzer
White Plains, NY Bankruptcy Lawyer with 17 years of experience
(888) 332-8511 99 Mamaroneck Avenue
Suite 2
White Plains, NY 10601
Free ConsultationBankruptcy
Rutgers School of Law-Newark
What makes our bankruptcy law firm (Waltzer Law Group) stand out? Why should you chose us? We believe that consumer bankruptcy is one of the very few areas of practice where you get an opportunity to improve the lives of your clients and their families. There is a multitude of reasons why people find themselves facing overwhelming debt, often it's not even their fault. Whether from the bad economy, divorce, loss of income, or medical illness, these people deserve help and a fresh financial start. Bankruptcy law gives me the opportunity to help people who find themselves in these difficult financial...
Mairead Catherine Twohig
Claimed Lawyer Profile
Mairead Catherine Twohig
White Plains, NY Bankruptcy Attorney with 2 years of experience
(800) 318-9750 203 E Post Rd
1st Floor
White Plains, NY 10601
Bankruptcy, Immigration, Personal Injury and Traffic Tickets
Pace Law School
Manuel J.  Machado
Claimed Lawyer Profile
Manuel J. Machado
White Plains, NY Bankruptcy Lawyer with 18 years of experience
(914) 949-4918 200 Mamaroneck Ave.
Ste 403
White Plains, NY 10601
Free ConsultationBankruptcy, Criminal, Divorce and Real Estate
Western Michigan University Cooley Law School
Leslie H. Tayne
Claimed Lawyer ProfileSocial Media
Leslie H. Tayne
Mount Kisco, NY Bankruptcy Lawyer
(914) 301-3300 100 South Bedford Road, Suite 340
Mount Kisco, NY 10549
Bankruptcy
Touro College Jacob D. Fuchsberg Law Center
Leslie H. Tayne, Esq. has almost 20 years experience in the practice area of consumer and business financial debt-related services. She launched her law firm, Tayne Law Group, P.C., formerly Law Offices Of Leslie H. Tayne P.C., in 2001, which is one of the few New York State law practices concentrating in debt management, debt resolution and bankruptcy alternatives for consumers, small business owners and professionals who are in need of help with managing finances. Leslie and her firm deliver comprehensive consulting and support services for clients in all areas of debt including credit cards, unsecured loans, lines of credit...
Seni Popat
PREMIUM
Seni Popat

Experienced New York Bankruptcy Attorney. Call for a free consultation!

At the Law Office of Seni Popat, we understand that your legal matter is important and deserves immediate attention. Rest assured that bankruptcy is not the end, it's a new beginning. We will fight for you. Read More »
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Mark S. Anderson
PREMIUM
Mark S. Anderson

New York Bankruptcy Attorney

Mark Anderson has a broad range of legal experience in civil and criminal litigation topics. His practice areas include foreclosure and foreclosure defense, bankruptcy, landlord-tenant law, quiet title actions, and... Read More »
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Charles A Higgs
Claimed Lawyer Profile
Charles A Higgs
White Plains, NY Bankruptcy Lawyer with 11 years of experience
(917) 791-2151 75 S. Broadway
White Plains, NY 10601
Bankruptcy, Appeals, Consumer and Real Estate
Attorney Charles A. Higgs founded the Law Office of Charles A. Higgs in 2018 to help individuals and businesses file Chapter 7, Chapter 11, and Chapter 13 bankruptcy in White Plains, New York. He was the first lawyer in the Southern District of New York to file a Chapter 11 case under Subchapter V of the Small Business Reorganization Act, and he was also a bankruptcy seminar speaker in 2016. He is currently admitted to practice before the State of New York, the 2nd Circuit Court of Appeals, the New York Federal District Courts, and the New York Bankruptcy Courts,...
Erin Kathleen Flynn
Claimed Lawyer ProfileSocial Media
Erin Kathleen Flynn
White Plains, NY Bankruptcy Attorney with 11 years of experience
(914) 472-6202 4 New King Street
Suite 140
White Plains, NY 10604
Bankruptcy, Foreclosure Defense, Landlord Tenant and Real Estate
American University Washington College of Law
Bruce Bronson
Claimed Lawyer Profile
Bruce Bronson
Harrison, NY Bankruptcy Attorney with 40 years of experience
(877) 385-7793 600 Mamaroneck Avenue, Suite 400
Harrison, NY 10528
Bankruptcy and Business
New York University School of Law and St. John's University School of Law
Mr. Bronson is a consumer bankruptcy attorney with offices in Harrison, NY and Fresh Meadows, NY. Mr. Bronson enjoys working with clients and helping them achieve financial stability. Mr. Bronson has practiced law for over 25 years. He has experience in corporate law, securities, taxation and consumer bankruptcy.
Matthew J. DeFazio Esq.
Claimed Lawyer ProfileLII GoldSocial Media
Matthew J. DeFazio Esq.
White Plains, NY Bankruptcy Lawyer with 6 years of experience
(800) 318-9750 203 E Post Rd
1st Floor
White Plains, NY 10601
Bankruptcy, Criminal, DWI and Immigration
Pace Law School
Rosemarie Matera
Claimed Lawyer Profile
Rosemarie Matera
Spring Valley, NY Bankruptcy Lawyer with 39 years of experience
(201) 368-0807 664 Chestnut Ridge Road
Spring Valley, NY 10977
Bankruptcy
Washington and Lee University School of Law
Attorney experienced in bankruptcy and creditor's rights. We file Chapter 7, Chapter 11 and Chapter 13 petitions.
Harvey Stephen Barr
Claimed Lawyer Profile
Harvey Stephen Barr
Spring Valley, NY Bankruptcy Attorney with 55 years of experience
(845) 352-4080 664 Chestnut Ridge Road
Spring Valley, NY 10977
Bankruptcy, Business, Criminal and Estate Planning
New York Law School
Steven Campanaro
Claimed Lawyer Profile
Steven Campanaro
White Plains, NY Bankruptcy Lawyer with 17 years of experience
(914) 686-0634 244 Westchester Avenue
Suite 410
White Plains, NY 10604
Bankruptcy and Business
Jeffrey Mitchell Binder
Claimed Lawyer Profile
Jeffrey Mitchell Binder
White Plains, NY Bankruptcy Lawyer with 23 years of experience
(914) 946-3191 68 East Post Road, suite 200
White Plains, NY 10601
Bankruptcy, Business, Criminal and Divorce
H. Bruce Bronson
Claimed Lawyer ProfileSocial Media
H. Bruce Bronson
Harrison, NY Bankruptcy Lawyer with 40 years of experience
(877) 385-7793 600 Mamaroneck Avenue, Suite 400
Harrison, NY 10580
Bankruptcy
New York University School of Law and St. John's University School of Law
Lawrence Albert Cline
Claimed Lawyer Profile
Lawrence Albert Cline
Suffern, NY Bankruptcy Lawyer with 22 years of experience
(866) 818-6730 44 Lafayette Avenue
Suffern, NY 10901
Bankruptcy, Business, Collections and Real Estate
Benjamin N. Cardozo School of Law
Vildan Erturk Starr
PREMIUM
Vildan Erturk Starr

New York Bankruptcy Attorney with 30 years of experience

University of Ankara, Faculty of Law and Georgetown University Law CenterRepublic of Turkey (Istanbul Bar) , California and New York
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William Neville
PREMIUM
William Neville

New York Bankruptcy Attorney with 35 years of experience

Fordham University School of LawU.S. Supreme Court, United States District Courts for the Eastern Districts of New York, United States District Courts for the Southern Districts of New York and New York
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Donald London
Claimed Lawyer Profile
Donald London
Yonkers, NY Bankruptcy Attorney with 37 years of experience
(914) 965-7230 984 N Broadway
Yonkers, NY 10701
Bankruptcy and Immigration
Denise Singh-Skeete
Claimed Lawyer Profile
Denise Singh-Skeete
Tuckahoe, NY Bankruptcy Lawyer with 21 years of experience
(914) 395-0055 68 Main Street
Tuckahoe, NY 10707
Bankruptcy, Appeals, Arbitration & Mediation and Real Estate
The George Washington University Law School and George Washington Univ Law Sch
Timothy G. Holden
Claimed Lawyer Profile
Timothy G. Holden
White Plains, NY Bankruptcy Attorney with 19 years of experience
(914) 358-3277 445 Hamilton Avenue
Ste. 1102
White Plains, NY 10601
Bankruptcy, Business, Estate Planning and Foreclosure Defense
Pace Law School
Harold J. Johnson Esq.
Claimed Lawyer Profile
Harold J. Johnson Esq.
White Plains, NY Bankruptcy Lawyer
(914) 997-9488 175 Main Street
Suite 407
White Plains, NY 10601
Bankruptcy
Ira S. Clair
WHITE PLAINS, NY Bankruptcy Lawyer with 41 years of experience
(914) 472-6202 4 NEW KING ST
WHITE PLAINS, NY 10604
Bankruptcy and Real Estate
Case Western Reserve University School of Law
Jeffrey L. Sapir
White Plains, NY Bankruptcy Lawyer with 53 years of experience
(914) 328-7272 399 Knollwood Rd
White Plains, NY 10603
Bankruptcy and Business
New York Law School
Mitchell B. Pollack
TARRYTOWN, NY Bankruptcy Attorney with 35 years of experience
(914) 332-0700 150 WHITE PLAINS RD STE 310
TARRYTOWN, NY 10591
Bankruptcy, Business and Real Estate
SUNY Buffalo Law School
Robert Kline Gross
Nyack, NY Bankruptcy Lawyer with 38 years of experience
(845) 358-7267 7 Perry Ln
Nyack, NY 10960
Bankruptcy, Business, Employment and International
Yale Law School
Anthony John Tripodi
Yorktown Heights, NY Bankruptcy Lawyer with 36 years of experience
(914) 962-0900 40 Triangle Center
Yorktown Heights, NY 10598
Bankruptcy, Business and Real Estate
Olav Antonie Haazen
Armonk, NY Bankruptcy Attorney with 22 years of experience
(914) 749-8200 333 Main St
Armonk, NY 10504
Bankruptcy, Antitrust and Business
Harvard Law School
Demetrios K. Tsatis
PREMIUM
Demetrios K. Tsatis

New York Bankruptcy Lawyer

Touro College and The City University of New York School of LawNew York
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Terry L. Hazen
PREMIUM
Terry L. Hazen

New York Bankruptcy Lawyer

Benjamin N. Cardozo School of LawNew York, U.S. Supreme Court, United States District Courts for the Eastern Districts of New York and United States District Courts for the Southern Districts of New York
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Bankruptcy Lawyers in Nearby CitiesBankruptcy Lawyers in Nearby Counties

Ossining Bankruptcy Legal Aid & Pro Bono Services

Empire Justice Center
White Plains, NY

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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.

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