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Topics:

Topic #7:

Keywords: surrender . IRS standards . means test allowances . means test .

Secured Debts: Expense allowances for collateral that is to be surrendered (see also 9A)

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Case Summary In re Ellringer, 370 B.R. 905, Bankr.D.Minn., 06/20/07, 7, N/A

In re Ellringer, 370 B.R. 905 (Bankr.D.Minn. 2007)

Topics

Means Test > Expenses > Secured Debts > Loan Expense Deduction > Surrender

Secured Debts: Expense allowances for collateral that is to be surrendered (see also 9A)

42 Cases , IssueID 7

Ch 7 Means Test
Form 22A, Line 42
Ch 13 Means Test
Form 22C Line 47

Topic Description:

The means test Forms 22A (Chapter 7) and 22C (Chapter 13) allow you to deduct the full amount of secured debt payments you are currently making at the time you file your bankruptcy petition.

The question arises, what if you plan to surrender that property during the course of your bankruptcy. This issue is particularly relevant in Chapter 13 cases, where the case continues on for 3 to 5 years, and your ability to pay in the future is one of the elements the court must consider in confirming a proposed Chapter 13 plan.

In a Chapter 7 case, the issue may turn on whether the debtor has actually surrendered the property yet -- that is, if the payments are still "contractually due" at the time the means test form is filed.

This timing question can become relevant because a trustee must make the "abuse" determination (based on the means test form) within 10 days after the section 341 meeting, Meanwhile, the debtor has up to 30 days from the date of the original filing (or the date of the 341 meeting if that comes first) to state whether they intend to surrender the property, and then gets another 30 days after that to actually act on their intentions. Thus, at the time of the abuse determination, it is possible that the debts are still "contractually due."

All of this may be a moot point in many courts, however, because a judge can still find a debtor ineligible to file if the judge thinks there is an ability to pay. Some courts have allowed the deduction, under Sec. 707(b)(2), then ruled that the surrender of the property (and the removal of that debt) means that the debtor has enough funds to pay his unsecured debts and therefore will refuse to grant a discharge of those debts based on the "totality of the circumstances" Sec. 707(b)(3).

Lines of Cases:

A:

Expense Allowance allowed for items to be surrendered (Walker)

B::

Expense allowance NOT allowed for items to be surrendered (Skaggs)

C:

Expense allowance allowed unless property has ACTUALLY been surrendered (Singletary)

D:

No "phantom expenses allowed"

E:

"Everything else..."

Topic Background / Overview:

  • Type A = Expense Allowance allowed for items to be surrendered (Walker)
  • Type B = Expense allowance NOT allowed for items to be surrendered (Skaggs)
  • Type C = Expense allowance allowed unless property has ACTUALLY been surrendered (Singletary)
  • Type D = No "phantom expenses allowed"
  • Type E = "Everything Else"
  • Cases for Zip
  • All Cases By Date
  • Cases A - Z

Cases for Zip , California Northern District Bankruptcy Court

Ninth Circuit Cases

In re Amidon

Bankr.D.Idaho - 423 BR 546 - 2010-02-02 - 13 , Above

Google ID#: 2271405625684984071
(Type B : Expense allowance NOT allowed for items to be surrendered (Skaggs) )

American Express Bank FSB v. Smith (In re Smith)

9th Cir BAP - 418 BR 359 - 2009-10-05 - 13 , Above

Google ID#: 15767277680773420728
(Type B : Expense allowance NOT allowed for items to be surrendered (Skaggs) )

may a debtor "deduct" secured debt payments not being paid because the property has been surrendered? We part company with several of our colleagues and conclude that debtors may not take those deductions

In re Stewart

Bankr. D. Or. - 410 B.R. 912 - 2009-03-16 - 7 , Above

Google ID#: 7449625859088396537
(Type A : Expense Allowance allowed for items to be surrendered (Walker) )

In re Maya

Bankr.S.D.Cal - 374 B.R. 750 - 2007-08-13 - 7 , N/A

Google ID#: 10337240499298205817
(Type B : Expense allowance NOT allowed for items to be surrendered (Skaggs) )

Other Circuits

In re Altman

Bankr. M.D. Ga. - No.: 09-70328-JTL - 2009-12-18 - ,

Google ID#: 4812171712323132764
(Type D : No "phantom expenses allowed" )

Effectively the court would not allow a phantom expense deduction. It said that while the debtor could technically deduct the amount, it would not grant the discharge.

"In calculating monthly income under the means test, the plain language of Section 707(b)(2)(A)(iii)(I) allows debtors to deduct payments due on secured debts notwithstanding the debtor's intention to surrender the collateral. However, despite finding that a presumption of abuse does not arise in the instant case, the court may still find the case abusive pursuant to Section 707(b)(3) [totality of the circumstances]."

In re Perelman

Bankr.E.D. N.Y. - 419 BR 168 - 2009-10-30 - 7 , Above

Google ID#: 805944261602764290
(Type A : Expense Allowance allowed for items to be surrendered (Walker) )

above-median debtor in a Chapter 7 case is allowed under the Means-Test to take deductions for payments on secured debt when the debtor states an intent to surrender the underlying collateral

In re Dionne

Bankr.E.D.Wis. - 402 B.R. 883 - 2009-08-28 - 13 , Above

Google ID#: 8964621909514876220
(Type A : Expense Allowance allowed for items to be surrendered (Walker) )

Morse v. Rudler (In re Rudler)

1st Cir. - 576 F.3d 37 - 2009-08-05 - 7 , Above

Google ID#: 7083943896071638723
(Type A : Expense Allowance allowed for items to be surrendered (Walker) )

In re Turner

7th Cir. - 574 F.3d 349 - 2009-07-20 - 13 , Above

Google ID#: 8584063775086879974
(Type B : Expense allowance NOT allowed for items to be surrendered (Skaggs) )

In re Norwood-Hill

Bankr. M.D. Fla. - 403 B.R. 905 - 2009-03-19 - 7 , Above

Google ID#: 1639579893995382333
(Type A : Expense Allowance allowed for items to be surrendered (Walker) )

In re Burbank

Bankr.D.R.I. - 401 B.R. 67 - 2009-02-24 - 13 , Above

Google ID#: 9979261307469184644
(Type A : Expense Allowance allowed for items to be surrendered (Walker) )

In re Crawley

Bankr. E.D. Va. - 412 B.R. 777 - 2009-02-23 - 7 ,

Google ID#: 808310298614178507
(Type A : Expense Allowance allowed for items to be surrendered (Walker) )

the debtors, in performing their means test calculations, are entitled to deduct the average of the payments that would be contractually due, as of the filing date of the petition, for the subsequent 60 months on the four mortgages, notwithstanding their stated intent to surrender both houses.

In re Goble

Bankr.SD Ohio - 401 B.R. 261 - 2009-02-17 - 7 ,

Google ID#: 11760670167634927513
(Type A : Expense Allowance allowed for items to be surrendered (Walker) )

Although debtor is allowed to deduct surrendered home on means test form 22C, ability to pay a Chapter 13 plan relevant in determining whether to deny discharge under 702(b)(3). Reduced mortgage payments sufficient for finding of abuse under 703(b)(3). Good history of Sixth Circuit law on 703(b)(3) "totality of circumstances" cases.

In re Ralston

Bankr. M.D. Fla. - 400 B.R. 854 - 2009-02-10 - 7 , Above

Google ID#: 12339235281904750333
(Type A : Expense Allowance allowed for items to be surrendered (Walker) )

In re Ralston

Bankr. M.D.Fla. - 400 B.R. 854 - 2009-02-10 - 7 , Above

Google ID#: 12339235281904750333
(Type A : Expense Allowance allowed for items to be surrendered (Walker) )

The court found debtor's case to NOT be presumptively abusive, saying, "As the function of the Means Test is to be a mechanical formula for establishing a presumptive bar to obtaining relief in a Chapter 7 case, it is fitting that the deductions should be bright line measurements. Otherwise, courts would have to consider the facts and circumstances of each case, including post-petition events, such as the surrender of collateral, when conducting a Means Test analysis under Chapter 7."

In re Rahman

Bankr. E.D.N.Y. - 400 B.R. 362 - 2009-01-23 - 13 , Above

Google ID#: 3065986901827612531
(Type B : Expense allowance NOT allowed for items to be surrendered (Skaggs) )

Debtor tried to amend his Chapter 13 plan without also amending his means test deductions.

The court said, "Pursuant to [Section 1325(b) and 707(b)(2)], the court must look at a debtor's stated intentions of record as they exist on the date of confirmation to determine what expenses are 'reasonably necessary to be expended for the maintenance or support of the debtor or a dependent of the debtor during the Chapter 13 plan."

The court sustained the Trustee's objection to confirmation of this new plan.

In re Thomas

6th Cir. BAP - 395 B.R. 914; 922 - 2008-10-31 - 13 , Above

Google ID#: 4370764116317866832
(Type A : Expense Allowance allowed for items to be surrendered (Walker) )

In re Demesones

Bankr. E.D. Virgina - 406 B.R. 711 - 2008-10-24 - 7 ,

Google ID#: 4327275822432141120
(Type A : Expense Allowance allowed for items to be surrendered (Walker) )

In re Quigley

Bankr. N.D. W.Va. - 391 B.R. 294 - 2008-06-20 - both ,

Google ID#: 9953746054741102119
(Type A : Expense Allowance allowed for items to be surrendered (Walker) )

In re Smale

Bankr. D. Del. - 390 B.R.111 - 2008-06-09 - 7 ,

Google ID#: 2272180096590785537
(Type A : Expense Allowance allowed for items to be surrendered (Walker) )

In re Anderson

Bankr.S.D.Ohio - 383 B.R. 699 - 2008-03-21 - 13 , Above

Google ID#: 14340211352286646854
(Type A : Expense Allowance allowed for items to be surrendered (Walker) )

In re Walker

Bankr.N.D.Ga. - 383 B.R. 830 - 2008-03-05 - 7 , N/A

Google ID#: 3258113653371681599
(Type A : Expense Allowance allowed for items to be surrendered (Walker) )

In re Guerriero

Bankr.D.Mass. - 383 B.R. 841 - 2008-02-04 - 7 , Above

Google ID#: 1324332859883820332
(Type A : Expense Allowance allowed for items to be surrendered (Walker) )

In re Parada

Bankr. S.D. Fla. - 391 B.R. 492 - 2008-01-10 - 7 , Above

Google ID#: 10342378496353401273
(Type A : Expense Allowance allowed for items to be surrendered (Walker) )

In Re Hayes

Bankr.D.Mass. - 376 B.R. 55 - 2007-09-26 - 7 , N/A

Google ID#: 10582860080042851874
(Type A : Expense Allowance allowed for items to be surrendered (Walker) )

In re Osborne

Bankr.W.D.N.Y. - 374 B.R. 68 - 2007-08-28 - 7 , N/A

Google ID#: 12824762139872264574
(Type A : Expense Allowance allowed for items to be surrendered (Walker) )

In re Randle

N.D.Ill. - 2007 WL 2668727 - 2007-07-20 - 7 , N/A

Google ID#: ://scholar.google.com/scholar_case?about=11463996531297768659
(Type A : Expense Allowance allowed for items to be surrendered (Walker) )

In re Benedetti

Bankr.S.D.Fla. - 372 B.R. 90 - 2007-07-13 - 7 , N/A

Google ID#: 6413066156221483498
(Type A : Expense Allowance allowed for items to be surrendered (Walker) )

Using a "snapshot" view of the Debtor's expenses on the date of filing makes sense 97 in the context of a Chapter 7 case. The application of the provisions of section 707(b)(2) involves an evaluation of the Debtor's financial condition on the petition date such that a post-petition surrender of collateral is irrelevant and inconsequential.

In re Ellringer

Bankr.D.Minn. - 370 B.R. 905 - 2007-06-20 - 7 , N/A

Google ID#: 334875251260235756
(Type A : Expense Allowance allowed for items to be surrendered (Walker) )

In re Palm

Bankr.D.Kan. - 2007 WL 1772174 - 2007-06-19 - 7 , N/A

Google ID#:
(Type A : Expense Allowance allowed for items to be surrendered (Walker) )

In re Augenstein

Bankr.N.D.Ohio - Case No. 06-13867 - 2007-06-14 - 7 , N/A

Google ID#:
(Type A : Expense Allowance allowed for items to be surrendered (Walker) )

a Chapter 7 debtor who has stated an intention to surrender the collateral securing the debt may nonetheless deduct payments secured by that property

In re Mundy

Bankr.M.D.Pa. - 363 B.R. 407 - 2007-03-01 - 7 , N/A

Google ID#: 3257683270260224116
(Type A : Expense Allowance allowed for items to be surrendered (Walker) )

In re Ray

Bankr.D.S.C. - 362 B.R. 680 - 2007-02-28 - 7 , N/A

Google ID#: 4856243550408387828
(Type B : Expense allowance NOT allowed for items to be surrendered (Skaggs) )

In re Sorrell

Bankr.S.D.Ohio - 359 B.R. 167 - 2007-01-26 - 7 , N/A

Google ID#: 10954965718446510864
(Type A : Expense Allowance allowed for items to be surrendered (Walker) )

In re Nockerts

Bankr.E.D.Wis. - 357 B.R. 497 - 2006-12-14 - 7 , N/A

Google ID#: 11105860880297690118
(Type A : Expense Allowance allowed for items to be surrendered (Walker) )

In re Singletary

Bankr.S.D.Tex. - 354 B.R. 455 - 2006-10-19 - 7 , N/A

Google ID#: 3272073387974371431
(Type C : Expense allowance allowed unless property has ACTUALLY been surrendered (Singletary) )

A motion to dismiss under Section 707(b)(2) must be made no later than 30 days after the filing of the Section 704(b)(1) Statement of Presumed Abuse.

In re Hartwick

Bankr.D.Minn. - 352 B.R. 867 - 2006-10-13 - 7 , N/A

Google ID#: 12395869896431254649
(Type A : Expense Allowance allowed for items to be surrendered (Walker) )

In re Harris

Bankr.E.D.Okla. - 353 B.R. 304 - 2006-10-13 - 7 , N/A

Google ID#: 18378876260506570681
(Type B : Expense allowance NOT allowed for items to be surrendered (Skaggs) )

In re Skaggs

Bankr.E.D.Mo. - 349 B.R. 594 - 2006-08-18 - 7 , N/A

Google ID#: 4047009656958785514
(Type B : Expense allowance NOT allowed for items to be surrendered (Skaggs) )

In re Harvey

Bankr - 407 B.R. 867 - - 7/20/2009 , 7

Google ID#: 10329263106868761719
(Type A : Expense Allowance allowed for items to be surrendered (Walker) )

The Fourth Circuit has not yet spoken to the issue presented in this case, and the lower courts are not in agreement. The majority of courts within this circuit hold that a debtor may deduct payments on debts secured by property that he or she intends to surrender. ....This Court finds the majority interpretation persuasive.

In re Stenstrom

Bankr. C.D. - 439 B.R. 494 - - 3/25/2010 ,

Google ID#: 17536097840277864651
(Type E : )

Debtor's disclaimer of interest in vehicles was treated as a surrender of collateral would be treated.

"For purposes of determining the debtor's projected disposable income, her disclaimer of interest in and liability for the motor home must be treated the same as a surrender of collateral. The debtor forthrightly admits that the co-debtor has exclusive possession, use and enjoyment of the motor home and sloe responsibility for the debt service payments and all other expenses associated therewith. Although her legal liability still exists, the debtor pays nothing."

In re Amidon

Bankr.D.Idaho - 423 BR 546 - 2010-02-02 - 13 , Above

Google ID#: 2271405625684984071
(Type B : Expense allowance NOT allowed for items to be surrendered (Skaggs) )

In re Altman

Bankr. M.D. Ga. - No.: 09-70328-JTL - 2009-12-18 - ,

Google ID#: 4812171712323132764
(Type D : No "phantom expenses allowed" )

Effectively the court would not allow a phantom expense deduction. It said that while the debtor could technically deduct the amount, it would not grant the discharge.

"In calculating monthly income under the means test, the plain language of Section 707(b)(2)(A)(iii)(I) allows debtors to deduct payments due on secured debts notwithstanding the debtor's intention to surrender the collateral. However, despite finding that a presumption of abuse does not arise in the instant case, the court may still find the case abusive pursuant to Section 707(b)(3) [totality of the circumstances]."

In re Perelman

Bankr.E.D. N.Y. - 419 BR 168 - 2009-10-30 - 7 , Above

Google ID#: 805944261602764290
(Type A : Expense Allowance allowed for items to be surrendered (Walker) )

above-median debtor in a Chapter 7 case is allowed under the Means-Test to take deductions for payments on secured debt when the debtor states an intent to surrender the underlying collateral

American Express Bank FSB v. Smith (In re Smith)

9th Cir BAP - 418 BR 359 - 2009-10-05 - 13 , Above

Google ID#: 15767277680773420728
(Type B : Expense allowance NOT allowed for items to be surrendered (Skaggs) )

may a debtor "deduct" secured debt payments not being paid because the property has been surrendered? We part company with several of our colleagues and conclude that debtors may not take those deductions

In re Dionne

Bankr.E.D.Wis. - 402 B.R. 883 - 2009-08-28 - 13 , Above

Google ID#: 8964621909514876220
(Type A : Expense Allowance allowed for items to be surrendered (Walker) )

Morse v. Rudler (In re Rudler)

1st Cir. - 576 F.3d 37 - 2009-08-05 - 7 , Above

Google ID#: 7083943896071638723
(Type A : Expense Allowance allowed for items to be surrendered (Walker) )

In re Turner

7th Cir. - 574 F.3d 349 - 2009-07-20 - 13 , Above

Google ID#: 8584063775086879974
(Type B : Expense allowance NOT allowed for items to be surrendered (Skaggs) )

In re Norwood-Hill

Bankr. M.D. Fla. - 403 B.R. 905 - 2009-03-19 - 7 , Above

Google ID#: 1639579893995382333
(Type A : Expense Allowance allowed for items to be surrendered (Walker) )

In re Stewart

Bankr. D. Or. - 410 B.R. 912 - 2009-03-16 - 7 , Above

Google ID#: 7449625859088396537
(Type A : Expense Allowance allowed for items to be surrendered (Walker) )

In re Burbank

Bankr.D.R.I. - 401 B.R. 67 - 2009-02-24 - 13 , Above

Google ID#: 9979261307469184644
(Type A : Expense Allowance allowed for items to be surrendered (Walker) )

In re Crawley

Bankr. E.D. Va. - 412 B.R. 777 - 2009-02-23 - 7 ,

Google ID#: 808310298614178507
(Type A : Expense Allowance allowed for items to be surrendered (Walker) )

the debtors, in performing their means test calculations, are entitled to deduct the average of the payments that would be contractually due, as of the filing date of the petition, for the subsequent 60 months on the four mortgages, notwithstanding their stated intent to surrender both houses.

In re Goble

Bankr.SD Ohio - 401 B.R. 261 - 2009-02-17 - 7 ,

Google ID#: 11760670167634927513
(Type A : Expense Allowance allowed for items to be surrendered (Walker) )

Although debtor is allowed to deduct surrendered home on means test form 22C, ability to pay a Chapter 13 plan relevant in determining whether to deny discharge under 702(b)(3). Reduced mortgage payments sufficient for finding of abuse under 703(b)(3). Good history of Sixth Circuit law on 703(b)(3) "totality of circumstances" cases.

In re Ralston

Bankr. M.D. Fla. - 400 B.R. 854 - 2009-02-10 - 7 , Above

Google ID#: 12339235281904750333
(Type A : Expense Allowance allowed for items to be surrendered (Walker) )

In re Ralston

Bankr. M.D.Fla. - 400 B.R. 854 - 2009-02-10 - 7 , Above

Google ID#: 12339235281904750333
(Type A : Expense Allowance allowed for items to be surrendered (Walker) )

The court found debtor's case to NOT be presumptively abusive, saying, "As the function of the Means Test is to be a mechanical formula for establishing a presumptive bar to obtaining relief in a Chapter 7 case, it is fitting that the deductions should be bright line measurements. Otherwise, courts would have to consider the facts and circumstances of each case, including post-petition events, such as the surrender of collateral, when conducting a Means Test analysis under Chapter 7."

In re Rahman

Bankr. E.D.N.Y. - 400 B.R. 362 - 2009-01-23 - 13 , Above

Google ID#: 3065986901827612531
(Type B : Expense allowance NOT allowed for items to be surrendered (Skaggs) )

Debtor tried to amend his Chapter 13 plan without also amending his means test deductions.

The court said, "Pursuant to [Section 1325(b) and 707(b)(2)], the court must look at a debtor's stated intentions of record as they exist on the date of confirmation to determine what expenses are 'reasonably necessary to be expended for the maintenance or support of the debtor or a dependent of the debtor during the Chapter 13 plan."

The court sustained the Trustee's objection to confirmation of this new plan.

In re Thomas

6th Cir. BAP - 395 B.R. 914; 922 - 2008-10-31 - 13 , Above

Google ID#: 4370764116317866832
(Type A : Expense Allowance allowed for items to be surrendered (Walker) )

In re Demesones

Bankr. E.D. Virgina - 406 B.R. 711 - 2008-10-24 - 7 ,

Google ID#: 4327275822432141120
(Type A : Expense Allowance allowed for items to be surrendered (Walker) )

In re Quigley

Bankr. N.D. W.Va. - 391 B.R. 294 - 2008-06-20 - both ,

Google ID#: 9953746054741102119
(Type A : Expense Allowance allowed for items to be surrendered (Walker) )

In re Smale

Bankr. D. Del. - 390 B.R.111 - 2008-06-09 - 7 ,

Google ID#: 2272180096590785537
(Type A : Expense Allowance allowed for items to be surrendered (Walker) )

In re Anderson

Bankr.S.D.Ohio - 383 B.R. 699 - 2008-03-21 - 13 , Above

Google ID#: 14340211352286646854
(Type A : Expense Allowance allowed for items to be surrendered (Walker) )

In re Walker

Bankr.N.D.Ga. - 383 B.R. 830 - 2008-03-05 - 7 , N/A

Google ID#: 3258113653371681599
(Type A : Expense Allowance allowed for items to be surrendered (Walker) )

In re Guerriero

Bankr.D.Mass. - 383 B.R. 841 - 2008-02-04 - 7 , Above

Google ID#: 1324332859883820332
(Type A : Expense Allowance allowed for items to be surrendered (Walker) )

In re Parada

Bankr. S.D. Fla. - 391 B.R. 492 - 2008-01-10 - 7 , Above

Google ID#: 10342378496353401273
(Type A : Expense Allowance allowed for items to be surrendered (Walker) )

In Re Hayes

Bankr.D.Mass. - 376 B.R. 55 - 2007-09-26 - 7 , N/A

Google ID#: 10582860080042851874
(Type A : Expense Allowance allowed for items to be surrendered (Walker) )

In re Osborne

Bankr.W.D.N.Y. - 374 B.R. 68 - 2007-08-28 - 7 , N/A

Google ID#: 12824762139872264574
(Type A : Expense Allowance allowed for items to be surrendered (Walker) )

In re Maya

Bankr.S.D.Cal - 374 B.R. 750 - 2007-08-13 - 7 , N/A

Google ID#: 10337240499298205817
(Type B : Expense allowance NOT allowed for items to be surrendered (Skaggs) )

In re Randle

N.D.Ill. - 2007 WL 2668727 - 2007-07-20 - 7 , N/A

Google ID#: ://scholar.google.com/scholar_case?about=11463996531297768659
(Type A : Expense Allowance allowed for items to be surrendered (Walker) )

In re Benedetti

Bankr.S.D.Fla. - 372 B.R. 90 - 2007-07-13 - 7 , N/A

Google ID#: 6413066156221483498
(Type A : Expense Allowance allowed for items to be surrendered (Walker) )

Using a "snapshot" view of the Debtor's expenses on the date of filing makes sense 97 in the context of a Chapter 7 case. The application of the provisions of section 707(b)(2) involves an evaluation of the Debtor's financial condition on the petition date such that a post-petition surrender of collateral is irrelevant and inconsequential.

In re Ellringer

Bankr.D.Minn. - 370 B.R. 905 - 2007-06-20 - 7 , N/A

Google ID#: 334875251260235756
(Type A : Expense Allowance allowed for items to be surrendered (Walker) )

In re Palm

Bankr.D.Kan. - 2007 WL 1772174 - 2007-06-19 - 7 , N/A

Google ID#:
(Type A : Expense Allowance allowed for items to be surrendered (Walker) )

In re Augenstein

Bankr.N.D.Ohio - Case No. 06-13867 - 2007-06-14 - 7 , N/A

Google ID#:
(Type A : Expense Allowance allowed for items to be surrendered (Walker) )

a Chapter 7 debtor who has stated an intention to surrender the collateral securing the debt may nonetheless deduct payments secured by that property

In re Mundy

Bankr.M.D.Pa. - 363 B.R. 407 - 2007-03-01 - 7 , N/A

Google ID#: 3257683270260224116
(Type A : Expense Allowance allowed for items to be surrendered (Walker) )

In re Ray

Bankr.D.S.C. - 362 B.R. 680 - 2007-02-28 - 7 , N/A

Google ID#: 4856243550408387828
(Type B : Expense allowance NOT allowed for items to be surrendered (Skaggs) )

In re Sorrell

Bankr.S.D.Ohio - 359 B.R. 167 - 2007-01-26 - 7 , N/A

Google ID#: 10954965718446510864
(Type A : Expense Allowance allowed for items to be surrendered (Walker) )

In re Nockerts

Bankr.E.D.Wis. - 357 B.R. 497 - 2006-12-14 - 7 , N/A

Google ID#: 11105860880297690118
(Type A : Expense Allowance allowed for items to be surrendered (Walker) )

In re Singletary

Bankr.S.D.Tex. - 354 B.R. 455 - 2006-10-19 - 7 , N/A

Google ID#: 3272073387974371431
(Type C : Expense allowance allowed unless property has ACTUALLY been surrendered (Singletary) )

A motion to dismiss under Section 707(b)(2) must be made no later than 30 days after the filing of the Section 704(b)(1) Statement of Presumed Abuse.

In re Hartwick

Bankr.D.Minn. - 352 B.R. 867 - 2006-10-13 - 7 , N/A

Google ID#: 12395869896431254649
(Type A : Expense Allowance allowed for items to be surrendered (Walker) )

In re Harris

Bankr.E.D.Okla. - 353 B.R. 304 - 2006-10-13 - 7 , N/A

Google ID#: 18378876260506570681
(Type B : Expense allowance NOT allowed for items to be surrendered (Skaggs) )

In re Skaggs

Bankr.E.D.Mo. - 349 B.R. 594 - 2006-08-18 - 7 , N/A

Google ID#: 4047009656958785514
(Type B : Expense allowance NOT allowed for items to be surrendered (Skaggs) )

In re Masur

Bankr. D S.D. - 2007 WL 3231725 - 0000-00-00 - 7 ,

Google ID#: 11760670167634927513
(Type B : Expense allowance NOT allowed for items to be surrendered (Skaggs) )

In re Harvey

Bankr - 407 B.R. 867 - - 7/20/2009 , 7

Google ID#: 10329263106868761719
(Type A : Expense Allowance allowed for items to be surrendered (Walker) )

The Fourth Circuit has not yet spoken to the issue presented in this case, and the lower courts are not in agreement. The majority of courts within this circuit hold that a debtor may deduct payments on debts secured by property that he or she intends to surrender. ....This Court finds the majority interpretation persuasive.

In re Stenstrom

Bankr. C.D. - 439 B.R. 494 - - 3/25/2010 ,

Google ID#: 17536097840277864651
(Type E : )

Debtor's disclaimer of interest in vehicles was treated as a surrender of collateral would be treated.

"For purposes of determining the debtor's projected disposable income, her disclaimer of interest in and liability for the motor home must be treated the same as a surrender of collateral. The debtor forthrightly admits that the co-debtor has exclusive possession, use and enjoyment of the motor home and sloe responsibility for the debt service payments and all other expenses associated therewith. Although her legal liability still exists, the debtor pays nothing."

All Cases A to Z

  • American Express Bank FSB v. Smith (In re Smith), 418 BR 359 , (9th Cir BAP ) 2009-10-05, #15767277680773420728
  • In re Altman, No.: 09-70328-JTL , (Bankr. M.D. Ga. ) 2009-12-18, #4812171712323132764
  • In re Amidon, 423 BR 546 , (Bankr.D.Idaho ) 2010-02-02, #2271405625684984071
  • In re Anderson, 383 B.R. 699 , (Bankr.S.D.Ohio ) 2008-03-21, #14340211352286646854
  • In re Augenstein, Case No. 06-13867 , (Bankr.N.D.Ohio ) 2007-06-14, #
  • In re Benedetti, 372 B.R. 90 , (Bankr.S.D.Fla. ) 2007-07-13, #6413066156221483498
  • In re Burbank, 401 B.R. 67 , (Bankr.D.R.I. ) 2009-02-24, #9979261307469184644
  • In re Crawley, 412 B.R. 777 , (Bankr. E.D. Va. ) 2009-02-23, #808310298614178507
  • In re Demesones, 406 B.R. 711 , (Bankr. E.D. Virgina ) 2008-10-24, #4327275822432141120
  • In re Dionne, 402 B.R. 883 , (Bankr.E.D.Wis. ) 2009-08-28, #8964621909514876220
  • In re Ellringer, 370 B.R. 905 , (Bankr.D.Minn. ) 2007-06-20, #334875251260235756
  • In re Goble, 401 B.R. 261 , (Bankr.SD Ohio ) 2009-02-17, #11760670167634927513
  • In re Guerriero, 383 B.R. 841 , (Bankr.D.Mass. ) 2008-02-04, #1324332859883820332
  • In re Harris, 353 B.R. 304 , (Bankr.E.D.Okla. ) 2006-10-13, #18378876260506570681
  • In re Hartwick, 352 B.R. 867 , (Bankr.D.Minn. ) 2006-10-13, #12395869896431254649
  • In re Harvey, 407 B.R. 867 , (Bankr ) , #10329263106868761719
  • In Re Hayes, 376 B.R. 55 , (Bankr.D.Mass. ) 2007-09-26, #10582860080042851874
  • In re Masur, 2007 WL 3231725 , (Bankr. D S.D. ) 0000-00-00, #11760670167634927513
  • In re Maya, 374 B.R. 750 , (Bankr.S.D.Cal ) 2007-08-13, #10337240499298205817
  • In re Mundy, 363 B.R. 407 , (Bankr.M.D.Pa. ) 2007-03-01, #3257683270260224116
  • In re Nockerts, 357 B.R. 497 , (Bankr.E.D.Wis. ) 2006-12-14, #11105860880297690118
  • In re Norwood-Hill, 403 B.R. 905 , (Bankr. M.D. Fla. ) 2009-03-19, #1639579893995382333
  • In re Osborne, 374 B.R. 68 , (Bankr.W.D.N.Y. ) 2007-08-28, #12824762139872264574
  • In re Palm, 2007 WL 1772174 , (Bankr.D.Kan. ) 2007-06-19, #
  • In re Parada, 391 B.R. 492 , (Bankr. S.D. Fla. ) 2008-01-10, #10342378496353401273
  • In re Perelman, 419 BR 168 , (Bankr.E.D. N.Y. ) 2009-10-30, #805944261602764290
  • In re Quigley, 391 B.R. 294 , (Bankr. N.D. W.Va. ) 2008-06-20, #9953746054741102119
  • In re Rahman, 400 B.R. 362 , (Bankr. E.D.N.Y. ) 2009-01-23, #3065986901827612531
  • In re Ralston, 400 B.R. 854 , (Bankr. M.D. Fla. ) 2009-02-10, #12339235281904750333
  • In re Ralston, 400 B.R. 854 , (Bankr. M.D.Fla. ) 2009-02-10, #12339235281904750333
  • In re Randle, 2007 WL 2668727 , (N.D.Ill. ) 2007-07-20, #://scholar.google.com/scholar_case?about=11463996531297768659
  • In re Ray, 362 B.R. 680 , (Bankr.D.S.C. ) 2007-02-28, #4856243550408387828
  • In re Singletary, 354 B.R. 455 , (Bankr.S.D.Tex. ) 2006-10-19, #3272073387974371431
  • In re Skaggs, 349 B.R. 594 , (Bankr.E.D.Mo. ) 2006-08-18, #4047009656958785514
  • In re Smale, 390 B.R.111 , (Bankr. D. Del. ) 2008-06-09, #2272180096590785537
  • In re Sorrell, 359 B.R. 167 , (Bankr.S.D.Ohio ) 2007-01-26, #10954965718446510864
  • In re Stenstrom, 439 B.R. 494 , (Bankr. C.D. ) , #17536097840277864651
  • In re Stewart, 410 B.R. 912 , (Bankr. D. Or. ) 2009-03-16, #7449625859088396537
  • In re Thomas, 395 B.R. 914; 922 , (6th Cir. BAP ) 2008-10-31, #4370764116317866832
  • In re Turner, 574 F.3d 349 , (7th Cir. ) 2009-07-20, #8584063775086879974
  • In re Walker, 383 B.R. 830 , (Bankr.N.D.Ga. ) 2008-03-05, #3258113653371681599
  • Morse v. Rudler (In re Rudler), 576 F.3d 37 , (1st Cir. ) 2009-08-05, #7083943896071638723

FAQ/Help:

How to use case law (it can be tricky)

If you're not familiar with what "case law" is, and how to use it, check out Chapter 7 of Nolo's LegalResearch: How to Find and Understand the Law for a guide to how to read through a case to get the parts that matter.

Also, you need to be familiar with the concept of "jurisdiction." Here are some helpful links:

When you read a case, check to make sure that the case's decision applies to your local district. Do this by looking at which court has decided the case -- either the U.S. Supreme Court, a court of appeal (listed here in large type), or a district court (listed in small type).  Your local district court judge is not bound to follow the opinion of judges from other district courts, but often they look to these cases for advice. Your local district, however, is bound  to follow decisions in cases from it governing circuit court. You'll see fairly few Supreme Court case here, but those cases are also binding on all districts."

Are these all the bankruptcy cases there are?

NO! NO! NO! This is a start for your research. New cases are constantly being decided. I update this when I have time. This is only a fraction of the actual published opinions out there. Dozens of cases are handed down nationwide every week. I catalog interesting ones when I have time. They are meant to serve as a starting point for your research -- NOT as a comprehensive listing of the current state of the law.

 

DISCLAIMER. By using this database you acknowledge and agree to the following:

This database does not contain every relevant case in every district on the topics covered; there are high priced services for that. This is free. It is offered to the public "as is" as an adjunct to the Nolo books, How to File Chapter 7 Bankruptcy, and Chapter 13 Bankruptcy: Keep Your Property and Repay Your Debts Over Time (10th Edition, 2010): which I co-author with attorney Stephen Elias.

This database is updated as time permits. Do not assume that it has the latest case in your district. We are still filling holes in the database -- and will always be. Use it as a place to start your reasearch, rather than the final answer to your question.

Some of these issues involve the discretion of the judge which can vary from judge to judge. So, even if you find a case just like yours where a judge went your way, as they say in the car biz, "your mileage may vary..."

If you're not familiar with what "case law" is, and how to use it, check out Chapter 7 of Nolo's LegalResearch: How to Find and Understand the Law for a guide to how to read through a case to get the parts that matter.

For more help, click the "?" tab.

 


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