Plover Bankruptcy Lawyers

Compare top rated Wisconsin attorneys serving Plover.
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Jerod Albert Barkley
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Jerod Albert Barkley
Stevens Point, WI Bankruptcy Attorney with 20 years of experience
(715) 341-3170 3273 Church Street
Stevens Point, WI 54481
Bankruptcy, Collections, Criminal and DUI
William Weiland
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William Weiland
Wisconsin Rapids, WI Bankruptcy Lawyer with 35 years of experience
(715) 421-1234 841 Pepper Ave
Wisconsin Rapids, WI 54494
Bankruptcy, Criminal, Foreclosure Defense and Landlord Tenant
Gregory Jerabek
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Gregory Jerabek
Wisconsin Rapids, WI Bankruptcy Attorney
(715) 423-8200 170 3rd St N
Wisconsin Rapids, WI 54494
Bankruptcy, Business, Collections and Employment
I often tell clients that usually when you think you need a lawyer, it is probably too late. In many situations, consulting an attorney as soon as possible may save you time, money, and difficulty on the back end. In my practice, I routinely help clients avoid problems down the road. However, some problems may be unavoidable and people find themselves in situations where they need the immediate help of an attorney. For example, I primarily work as a criminal defense attorney. Just because you have been accused of a crime does not mean you are guilty; nor...
Robert Konkol
Stevens Point, WI Bankruptcy Attorney
(715) 344-0890 1257 Main St
Stevens Point, WI 54481
Bankruptcy, Municipal and Real Estate
Gary Dreier
Stevens Point, WI Bankruptcy Attorney
(715) 341-7855 2900 Hoover Rd
Stevens Point, WI 54481
Bankruptcy, Business, Environmental and Real Estate
Christopher James Rooney
Amherst, WI Bankruptcy Attorney with 17 years of experience
(917) 882-7527 PO Box 225
Amherst, WI 54406
Bankruptcy, Business, Environmental and IP
Fordham University School of Law
Charles D. Koehler
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Charles D. Koehler
New London, WI Bankruptcy Attorney with 42 years of experience
(920) 982-9652 105 East Waupaca Street
New London, WI 54961
Bankruptcy, Business, Employment and Real Estate
University of Wisconsin Law School
Attorney Chuck Koehler has been a shareholder with the Herrling Clark Law Firm for over 25 years as Financial Chairman. From 2013-2014 he served as President and is now Vice-President of the Firm. Chuck’s practice is concentrated in areas of business and personal financial matters, business and real estate transactions, municipal law, employment law, and related matters in these areas of law. Chuck also handles a wide variety of disputes, mediations, and lawsuits including matters involving real estate, employment issues, creditors' rights, municipal matters, banking matters, partnerships, limited liability companies, corporate law, purchase, and sale of businesses, bankruptcy,...
Rhonda Werner Schultz
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Rhonda Werner Schultz
Wausau, WI Bankruptcy Attorney with 24 years of experience
(715) 298-9004 210 Grand Avenue, Suite A
Wausau, WI 54403
Bankruptcy, Divorce, Family and Immigration
Hamline University School of Law
Attorney Rhonda Werner Schultz has practiced law for more than 17 years with a primary focus on divorce and family law, bankruptcy, and immigration. She serves clients in the Wausau, Wisconsin area.
Patricia Hammel
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Patricia Hammel
Wausau, WI Bankruptcy Lawyer
(715) 842-1861 401 N 5th Street
Suite 200
Wausau, WI 54402
Free ConsultationBankruptcy, Employment, Foreclosure Defense and Landlord Tenant
University of Wisconsin
I've lived and practiced law in Madison Wisconsin for over 30 years. I am a partner in a small firm including attorneys practicing in real estate, bankruptcy, housing, estate planning, cooperatives and tenant representation. One of our partners is a Chapter 7 Trustee. My main areas of practice are bankruptcy, foreclosure resolution through Chapter 13 and modifications, and family law. I am on the board of the Madison chapter of the National Lawyers' Guild and a member of the National Association of Consumer Bankruptcy Attorneys.
Eric Daniel Hendrickson
New London, WI Bankruptcy Lawyer
(920) 982-7205 308 St Johns Pl
New London, WI 54961
Bankruptcy and Workers' Comp
Mark Wittman
Marshfield, WI Bankruptcy Lawyer
(715) 389-1388 223 S Central Ave
Marshfield, WI 54449
Bankruptcy, Estate Planning and Real Estate
Jerry Slater
Wausau, WI Bankruptcy Lawyer
(715) 845-9211 530 Jackson St
Wausau, WI 54403
Bankruptcy, Business, Civil Rights and Real Estate
Peter Gunther
Wausau, WI Bankruptcy Attorney
(715) 845-9211 530 Jackson St
Wausau, WI 54403
Bankruptcy, Civil Rights, Criminal and Divorce
J. David Krekeler
Claimed Lawyer ProfileOffers Video ChatQ&ASocial MediaResponsive Law
J. David Krekeler
Madison, WI Bankruptcy Attorney with 41 years of experience
(608) 258-8555 2901 W. Beltline Hwy, Suite 301
Madison, WI 53713
Offers Video ChatBankruptcy, Collections and Consumer
University of Wisconsin - Madison
I’m a financial problem solver who can think through unique and customized solutions for farmers, small business owners, debtors and creditors. As a principal shareholder with Krekeler Strother, S.C., I work with a team of legal professionals that can deliver financial answers. We provide the information you need for Chapters 7, 11, 12, and 13 so you can make the best choice for your future and ease your mind. I enjoy presenting on debtor-creditor matters and try to find ways to make it fun.
James Edward Lewis
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James Edward Lewis
Green Bay, WI Bankruptcy Lawyer with 22 years of experience
(920) 434-9977 2149 Velp Ave
Suite 206
Green Bay, WI 54303
Bankruptcy, Business, Construction and Divorce
University of Wisconsin Law School
Attorney Jim Lewis received his Bachelor Degree with highest honors from the University of Wisconsin – La Crosse. He then went on to the University of Wisconsin and earned his Law Degree in 1998. Jim has appeared on behalf of his clients in 25 Wisconsin Counties and both Wisconsin Federal District Courts. Although he has previously handled controversies in almost every area of the law, Jim currently concentrates his practice in the areas of Bankruptcy, Business Reorganization and Collections. Jim also practices in the areas of Business and Estate Planning and Family Law. He is a...
Phil Cardis
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Phil Cardis
(608) 239-3302 811 E. WASHINGTON AVE
Suite 500
Madison, WI 53703
Free ConsultationOffers Video ChatMadison, WI Bankruptcy Lawyer with 19 years of experience
Bankruptcy
PHIL CARDIS - FOUNDER/MANAGING PARTNER CARDIS LAW GROUP

Quality, Trusted, Experienced Counsel

With offices in Mesa, Arizona and Madison, Wisconsin, Cardis Law Group can provide our clients with exceptional, pragmatic counsel. Cardis Law Group is a dedicated and highly skilled law firm with deep experience in legal advisement and representation. We are exceptional, powerful negotiators and diligent advocates, and we will be your proactive partner to help you navigate through your legal matters. We offer personal and...
Rachel R. Laborde
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Rachel R. Laborde
Appleton, WI Bankruptcy Lawyer with 6 years of experience
(920) 944-6230 536 N. Richmond St.
Appleton, WI 54911
Free ConsultationBankruptcy, Divorce, Family and Immigration
Marquette University Law School
I am committed to delivering a client-centered, problem-solving approach where I consistently strive to reach results that provide the greatest value and long-term benefits to my client. I am confident that most cases can be resolved in a quick and cordial fashion, but I am prepared to litigate with unwavering fervor should a mutually agreeable solution be out of reach. I primarily practice family law at Kaehne, Cottle, Pasquale & Associates, S.C., with an emphasis on collaborative divorce and mediation. I received my Bachelor of Arts in Spanish Language, Literature and Culture from Marquette University and subsequently earned my Juris...
Nicholas J.B. Pasquale
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Nicholas J.B. Pasquale
Neenah, WI Bankruptcy Attorney with 12 years of experience
(920) 383-1360 247 East Wisconsin Avenue
Neenah, WI 54956
Free ConsultationBankruptcy, Divorce and Family
Florida Coastal School of Law
After receiving his Bachelors degree in Political Science from the University of New York at Stony Brook, Attorney Pasquale obtained his Juris Doctorate from Florida Coastal School of Law. He provides exceptional legal representation for matters concerning divorce, child custody, child support, maintenance/alimony, paternity and relief under Chapter 7 and 13 of the Federal Bankruptcy Code. Attorney Pasquale is an experienced litigator who has handled family actions ranging from basic uncontested cases to the most complicated divorce actions involving significant marital estates, business interests and substantial party incomes. Attorney Pasquale's thorough understanding of Family Law, Bankruptcy Law,...
Michelle A Angell
Claimed Lawyer Profile
Michelle A Angell
Menasha, WI Bankruptcy Lawyer with 13 years of experience
(920) 727-0775 430 Ahnaip Street
Menasha, WI 54952
Free ConsultationBankruptcy
Thomas Jefferson School of Law
Attorney Angell, a Fox Valley native, attended law school at Thomas Jefferson School of Law in San Diego, California. Prior to opening her practice Attorney Angell worked at an Oshkosh area law firm and a law firm located in El Centro, California, devoting her time to helping her clients achieve satisfactory results in their bankruptcy, divorce and criminal law cases. Attorney Angell has focused her practice on helping people change their lives for the better. Her role as an attorney allows her to ensure her clients receive a fair and just outcome to their case. Attorney Angell works closely...
Rebecca Renae DeMarb
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Rebecca Renae DeMarb
Madison, WI Bankruptcy Lawyer with 23 years of experience
(608) 310-5500 1 N. Pinckney St. #300
Madison, WI 53703
Offers Video ChatBankruptcy, Business and Real Estate
University of Wisconsin Law School
After her first stressful decade as an insolvency attorney, Rebecca R. DeMarb started repeating the mantra, to ‘live with Integrity’. No matter the circumstances, she comes back to that mantra to determine the best way forward for her clients and the companies she has in receivership. This mantra, along with her caffeinated practice and willingness to be creative in finding both the best business and legal solution, drives her practice. The most rewarding part of Rebecca’s career has been building professional relationships. Rebecca is the founder of the Wisconsin Network of the IWIRC. She remains a co-chair of the Wisconsin...
John Foscato
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John Foscato
(920) 432-8801 110 Packerland Dr.
Suite D,
Green Bay, WI 54303
Free ConsultationOffers Video ChatGreen Bay, WI Bankruptcy Lawyer with 28 years of experience
Bankruptcy
John A. Foscato is a sole practitioner whose practice is solely focused on bankruptcy and creditor-debtor relations. John represents individuals and businesses in Chapter 7, Chapter 13 and Chapter 11 bankruptcies. He received his undergraduate degree from the University of Wisconsin in 1989 and his law degree from Marquette University in 1992.

Mr. Foscato is a member of the State Bar of Wisconsin and a frequent speaker at legal education seminars. He is peer rated and selected by his colleagues as a Wisconsin Super Lawyer continuously since 2008, as published by Milwaukee Magazine. John is a husband, a father of two...
Keith Robert Wessel
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Keith Robert Wessel
Madison, WI Bankruptcy Lawyer with 25 years of experience
(608) 256-1480 123 E Doty St
#303
Madison, WI 53703
Free ConsultationBankruptcy, Arbitration & Mediation, Divorce and Family
University of Wisconsin Law School
Brian Patrick Thill
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Brian Patrick Thill
Madison, WI Bankruptcy Lawyer with 17 years of experience
(608) 257-7181 P.O. Box 2038
Madison, WI 53701
Bankruptcy, Business, Collections and Landlord Tenant
Marquette University
Brian Thill serves as counsel for creditors, debtors, and receivers in civil matters, and has extensive experience representing parties in all aspects of bankruptcy proceedings, including committees and trustees. Mr. Thill has represented nearly a dozen of the top 100 American Fortune 500 companies, as well as numerous local banks and small businesses. His creditors' rights and defense practice routinely includes preference, fraudulent transfer, Chapter 128, foreclosure, replevin, and Fair Debt Collection Practices Act and Wisconsin Consumer Act actions. In addition to his bankruptcy and insolvency practice, Mr. Thill also has experience in the areas of general...
Chadwick Kaehne
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Chadwick Kaehne
Neenah, WI Bankruptcy Attorney with 15 years of experience
(920) 383-1350 247 East Wisconsin Avenue
Neenah, WI 54956
Bankruptcy, Criminal, DUI and Personal Injury
University of Dayton School of Law
Mr. Chadwick Kaehne graduated from the University of Wisconsin
with a Bachelor of Science degree in Psychology. Shortly after his
undergraduate studies, Mr. Kaehne founded a mental health clinic serving
clients throughout Winnebago, Fond du Lac, Outagamie, and Brown
counties. Mr. Kaehne established his law practice shortly after
receiving his Juris Doctorate from the University of Dayton School of
Law in Ohio. Using the philosophy grounded from his experiences from the
mental health field, Mr. Kaehne believes that not only should a law
firm be both reputable and aggressive in serving the needs of their
clients; but also passionate, with...
Michael P Schoenbohm
Claimed Lawyer Profile
Michael P Schoenbohm
Appleton, WI Bankruptcy Attorney with 38 years of experience
(920) 735-5858 516 E. Wisconsin Avenue
Appleton, WI 54911
Free ConsultationBankruptcy
Valparaiso University School of Law
Schoenbohm Law was established in 1982 to help consumers and small businesses in financial trouble. Here at Schoenbohm Law we care deeply for our community, and if you’re in financial distress, we will do everything in our power to effectively protect your legal rights in Bankruptcy Court. Our firm is dedicated exclusively to bankruptcy law, focusing on individual and small business bankruptcies under Chapter 7, 11, 12 and 13 of the Bankruptcy Code. My name is Michael P. Schoenbohm, and I’m the president of Schoenbohm Law. I received my law degree from Valparaiso University School of Law in Indiana....
Nicholas Fairweather
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Nicholas Fairweather
Madison, WI Bankruptcy Attorney with 20 years of experience
(608) 257-0040 222 W Washington Ave., Ste. 450
P.O. Box 2155
Madison, WI 53701-2155
Bankruptcy, Civil Rights, Collections and Consumer
Case Western Reserve University School of Law
Shari Lynn Vannieuwenhoven
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Shari Lynn Vannieuwenhoven
Green Bay, WI Bankruptcy Lawyer with 10 years of experience
(920) 430-0955 1345 West Mason Street
Suite 102
Green Bay, WI 54303
Free ConsultationBankruptcy and Social Security Disability
Texas Wesleyan University School of Law - Texas Wesleyan University
Attorney Shari Lynn Vannieuwenhoven has worked extensively with residents of Northeastern Wisconsin to secure their financial freedom through filing Chapter 7 and Chapter 13 bankruptcies. She also advocates and represents disabled clients in their Social Security disability claims. Attorney Shari Lynn gained experience as a Bankruptcy Attorney at a prominent consumer bankruptcy law firm while residing in Fort Worth, Texas. After moving to Wisconsin, she represented clients on Social Security Disability Insurance and Supplemental Security Income Claims in Northeastern Wisconsin. In her spare time, she enjoys traveling, hiking and camping with her husband and two children. ...
Amaro Lopez
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Amaro Lopez
Neenah, WI Bankruptcy Attorney with 7 years of experience
(920) 383-1343 247 East Wisconsin Avenue
Neenah, WI 54956
Bankruptcy, Criminal, Divorce and Immigration
University of Wisconsin Law School
Attorney Amaro Lopez received his B.A. degree in Spanish Literature from the University of Dallas. He then continued on at the University of Dallas and obtained his Master’s Degree in Business Administration with an emphasis in Human Resources. After pursuing a career in Human Resources, Mr. Lopez realized that in order to make a difference in people’s lives the way he wanted, he would need to advance his education. He was accepted into the law school at the University of Wisconsin Madison and earned his Juris Doctorate degree. He feels a strong connection to his community and believes that a...
Micabil Diaz Martinez
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Micabil Diaz Martinez
Madison, WI Bankruptcy Lawyer with 30 years of experience
(608) 836-1444 995 Applegate Road, Suite 9
Madison, WI 53713
Free ConsultationBankruptcy and Criminal
Marquette University Law School
Attorney Micabil Diaz has been practicing law over 30 years. His legal career can succinctly be summarized as one of service; both at the governmental and the not-for profit arena. His career includes significant litigation experience in both state and federal venues, including the military pursuant to the Uniformed Code of Military Justice. Upon his honorable discharge from military service, Attorney Diaz returned to Wisconsin where he appeared as the attorney of record in over 200 cases in courts throughout the state, representing individuals and institutions in a myriad of legal areas. As to...
Gregory J. Fumelle
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Gregory J. Fumelle
Madison, WI Bankruptcy Attorney
(608) 256-1480 123 E Doty St
#303
Madison, WI 53703
Free ConsultationBankruptcy, Appeals, Collections and Divorce
Western Michigan University Cooley Law School
Tyler J. Claringbole
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Tyler J. Claringbole
Appleton, WI Bankruptcy Lawyer with 5 years of experience
(920) 739-7366 800 N. Lynndale Drive
Appleton, WI 54914
Bankruptcy, Business, Employment and Real Estate
University of Wisconsin Law School
Tyler Claringbole joined Herrling Clark Law Firm in 2015 after previously working at the Firm as a law clerk.

Tyler has a general practice with an emphasis on business transactions, mergers and acquisitions, contracts, banking, employment law, commercial and residential real estate, and municipal law. Tyler also currently serves as a Commissioner of Condemnation for Outagamie County, a position to which he was appointed by the Outagamie County Circuit Court judges.

Originally from the Fox Valley area, Tyler graduated from Freedom High School and received his Bachelor's in Business Administration from the University of Wisconsin-Madison School of Business where he majored in...
Dylan Gehrtz
Claimed Lawyer Profile
Dylan Gehrtz
Oshkosh, WI Bankruptcy Lawyer with 3 years of experience
(920) 739-9900 2001 Bowen Street
Oshkosh, WI 54901
Bankruptcy, Consumer, Criminal and Estate Planning
Marquette University Law School
Currently accepting new clients.

I am committed to providing my clients with personal and effective representation. Our firm understands that positive results don't just happen. They take the proper knowledge, skill, attention to detail, and hard work.

I am originally from North Dakota where I attended the University of North Dakota and recieved my bachelors degree in Criminal Justice Studies and a minor in Political Science. After graduating in 2013, I attended law school at Marquette University. I was admitted to practice law in May of 2017. Also, I am admitted to practice in the Eastern and Western U.S. District Courts...
Zeshan Usman
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Zeshan Usman
Madison, WI Bankruptcy Lawyer with 13 years of experience
(608) 829-1112 515 Junction Road
Suite 2500
Madison, WI 53717
Free ConsultationOffers Video ChatBankruptcy, Consumer, Foreclosure Defense and Personal Injury
University of Miami
Zeshan Usman, the founder of Usman Law Firm, LLC, has helped thousands of people fight back against auto insurance companies, the IRS, and abusive debt collectors. His practice is limited to personal injury and debt relief. He holds a B.A. in Finance from the University of Florida, a J.D., M.B.A. from the University of Miami and has been a licensed Real Estate Broker, Mortgage Broker and General Contractor. Zeshan understands not only the U. S. Bankruptcy Code, but all the other laws that impact consumers – the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, the...
Wade M Pittman
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Wade M Pittman
Madison, WI Bankruptcy Attorney with 7 years of experience
(608) 233-4336 702 N Blackhawk Ave
STE 101
Madison, WI 53705
Free ConsultationBankruptcy, DUI, Social Security Disability and Tax
University of St. Thomas, Minnesota School of Law
Wade is a native of La Crosse and has lived in Madison since spending his third year of law school at the University of Wisconsin. Before moving to Madison, Wade lived in Minneapolis where he attended the University of St. Thomas Law School for his first two years of law school. Throughout life Wade has been motivated to help disadvantaged populations. The most profound experience for Wade was volunteering at a Peruvian orphanage before attending law school. The time there can be described simply as eye-opening. During law school, Wade continued to be committed to volunteer work by spending...
C. R. Krieger
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C. R. Krieger
Manitowoc, WI Bankruptcy Lawyer with 37 years of experience
(920) 684-8777 807 Jay Street
Manitowoc, WI 54220
Free ConsultationBankruptcy, Collections and Foreclosure Defense
University of Akron
Jennifer A. Chamberlain
Claimed Lawyer Profile
Jennifer A. Chamberlain
Green Bay, WI Bankruptcy Lawyer with 18 years of experience
(920) 430-0955 1345 West Mason Street, Ste. 102
Green Bay, WI 54303
Free ConsultationBankruptcy, Consumer, Divorce and Family
University of New Hampshire School of Law
Attorney Jennifer Chamberlain is dedicated to helping clients find solid solutions to resolve their legal problems. She is committed to providing excellent client service and is always sensitive to the fact that going through a divorce or bankruptcy or other legal issue can be a difficult and stressful process.

Attorney Chamberlain practices family law, including divorce, custody, child support, and post-judgment modification. She also practices bankruptcy law, with a focus on personal Chapter 7 and Chapter 13 bankruptcies.

Attorney Chamberlain received her law degree in 2002 from New Hampshire School of Law in Concord, NH. Prior to law...
Lauren Olivia Otto
Claimed Lawyer Profile
Lauren Olivia Otto
EAU CLAIRE, WI Bankruptcy Lawyer with 11 years of experience
(715) 832-2040 4252 Southtowne Drive, Suite A
EAU CLAIRE, WI 54701
Bankruptcy, Criminal, Divorce and Family
William Mitchell College of Law
Richard Check
Claimed Lawyer Profile
Richard Check
Oshkosh, WI Bankruptcy Attorney with 32 years of experience
(920) 232-0790 404 N. Main Street
Suite 813
Oshkosh, WI 54901
Free ConsultationBankruptcy
Indiana University Robert H. McKinney School of Law
Steven Zaleski
Claimed Lawyer ProfileSocial Media
Steven Zaleski
Madison, WI Bankruptcy Lawyer
10 E Doty St
Madison, WI 53703
Bankruptcy, Criminal and DUI
The University of Texas School of Law
Current practice consists primarily of advising individuals and small business regarding insolvency and debt relief, and representing debtors in Chapter 7 and Chapter 13 bankruptcy cases filed in the Western and Eastern District of Wisconsin. Daily practice includes client counseling, exemption planning, preparation of schedules and statements, and litigation regarding exemptions, liens, transfers, and preferences under Sections 522, 544, 547 and 548 of the Bankruptcy Code. Litigation practice also includes representing clients in the trial and appeal of adversary actions, most typically claims brought against debtors under Section 523(a)(2)(A) and 523(a)(2)(B) of the Bankruptcy Code.
Andrew Thomas Sapinski
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Andrew Thomas Sapinski
Appleton, WI Bankruptcy Lawyer
(920) 358-0333 4650 W Spencer St
Appleton, WI 54914
Bankruptcy
Attorney Drew Sapinski has been practicing bankruptcy law for over 15 years. He chose to devote his practice exclusively to this area because it enables him to change people’s lives. At his firm, Sapinski Law Office, S.C., clients are treated with care and respect. He handles his bankruptcy cases personally and guides his clients through every step of the way. Mr. Sapinski received his B.S. with honors from the University of Wisconsin, Madison. He went on to receive his Juris Doctor from Temple University Law School. Attorney Sapinski is currently a member of the Wisconsin State Bar and is admitted...
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.

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