Most Recent: LegalConsumer.com bankruptcy case law database
Eighth Cir (MO-W)
In re Abney, 540 B.R. 681
(Bankr. WD. Mo. 2015
)
2015-11-10 - (In re Abney, 540 B.R. 681, Bankr. WD. Mo. 2015, 11/10/2015)
DCCir Cir (DC)
In re Wilkerson,
(Bankr DDC
)
2015-06-25 - (In re Wilkerson, , Bankr DDC, 6/25/2015)
"Means Test Deduction Limited To Amount Actually Spent"
Tenth Cir (KS)
In re Murray, Case No. 14-22253
(Bankr D Kan
)
2015-06-24 - (In re Murray, Case No. 14-22253, Bankr D Kan, 6/24/2015)
Fourth Cir (MD)
In re Stitt, Civil No. PJM 14-938
(D Md
)
2015-06-09 - (In re Stitt, Civil No. PJM 14-938, D Md, 6/9/2015)
Fifth Cir (TX-W)
In re Corletta, No. 5:14-CV-982-RP.
(WD Texas
)
2015-05-19 - (In re Corletta, No. 5:14-CV-982-RP., WD Texas, 5/19/2015)
Fourth Cir (NC-M)
In re Nightingale, Case No. 13-10834
(Bankr M.D. NC
)
2015-04-20 - (In re Nightingale, Case No. 13-10834, Bankr M.D. NC, 4/20/2015)
Eleventh Cir (AL-M)
IN RE ELIZABETH ACOSTA-CONNIFF, Case No. 12-31448-WRS
(Bankr. Court MD Alabama
)
2015-03-25 - (IN RE ELIZABETH ACOSTA-CONNIFF, Case No. 12-31448-WRS, Bankr. Court MD Alabama, 3/25/2015)
Impoverished school teacher, mother of two kids, has met undue hardship standard.
Ninth Cir (9)
Kelly V ECMC (In re Kelly), No. 12-35377
(9th Cir
)
2015-02-27 - (Kelly V ECMC (In re Kelly), No. 12-35377, 9th Cir, 02/27/2015)
Eighth Cir (NE)
In re DaLaet, Case No. BK13-40421
(Bank. D. Neb
)
2015-02-25 - (In re DaLaet, Case No. BK13-40421 , Bank. D. Neb, 2/25/15)
Ms. DeLaet does not have sufficient past, present, or reasonably reliable future financial resources to pay any of the loans owed to NCT or Discover. It would be an undue hardship on Ms DeLaet to exclude those loans from her bankruptcy discharge.
Tenth Cir (KS)
IN RE JOHNSON, Case No. 11-23108
(Bankr. Court D. Kansas
)
2015-02-15 - (IN RE JOHNSON,Case No. 11-23108, Bankr. Court D. Kansas, 2/15/2015)
Married couple with three young children met undue hardship discharge. Opinion cites many cases and challenges the ongoing application of the Breunner standard
Seventh Cir (WI-E)
In re Tetzlaff, Case# 14–C–0767
(E.D. Wis
)
2014-12-03 - (In re Tetzlaff, Case# 14–C–0767, E.D. Wis, 12/3/2014)
Student with $260,000 in debt after MBA and law degree did not show hardship. Loan companies psycologist said debtor was faking his mental disabilities, court concluded debtor was "making excuses" and could get get work to pay off his loans, despite evidence presented that memory issues would prevent him from getting jobs more that $15 per hour.
Sixth Cir (OH-N)
In re Lamento, 520 B.R. 667
(Bkrtcy. N.D. Ohio
)
2014-10-29 - (In re Lamento, 520 B.R. 667, Bkrtcy. N.D. Ohio, 10/29/2014)
The debtor Alethea Lamento proved that she is entitled to a hardship discharge of the students loans at issue. The loans are, therefore, discharged.
Cir ()
In re Hatch, Case#13-03342-7als
(Bankr. S.D. Iowa
)
2014-10-03 - (In re Hatch, Case#13-03342-7als, Bankr. S.D. Iowa, 10/3/2014, )
First Cir (NH)
In re Blanchard, Adv No 13-1038-JMD
(Bankr D NH
)
2014-08-14 - (In re Blanchard, Adv No 13-1038-JMD, Bankr D NH, 08/14/2014)
Cir (US)
Clark v. Rameker, 134 S. Ct. 2242
(U.S. S.Ct
)
2014-06-12 - (Clark v. Rameker, 134 S. Ct. 2242, U.S. S.Ct, 6/12/2014)
Ninth Cir (9-BAP)
In re Luedtke, 2013138 WL 136618
(9th Cir BAP
)
2014-04-04 - (In re Luedtke, 2013138 WL 136618, 9th Cir BAP, 4/4/14,13,)
Cir ()
In re Hardy, 503 BR 722
(Bankr. Appellate Panel 8th Circuit
)
2013-12-23 - (In re Hardy, 503 BR 722, Bankr. Appellate Panel 8th Circuit, 12/23/2013)
Fifth Cir (TX-S)
In re Cunae, Case No 12-37424
(Bankr SD Texas
)
2013-12-06 - (In re Cunae, Case No 12-37424, Bankr SD Texas, 12/6/2013)
Eleventh Cir (FL-M)
In re Wolfe, 501 B.R. 426
(Bankr. M.D. FL
)
2013-10-04 - (In re Wolfe, 501 B.R. 426, Bankr. M.D. FL, 10/04/2013)
Eleventh Cir (AL-S)
In re Bradley, Case No. 13-01390
(Bankr SD Ala
)
2013-08-30 - (In re Bradley, Case No. 13-01390, Bankr SD Ala, 8/30/2013)
Ninth Cir (9)
Danielson v. Flores, 2013 WL 4566428
(9th Cir.
)
2013-08-29 - (Danielson v. Flores, 2013 WL 4566428, 9th Cir., 8/29/2013,13, above)
(en banc) Ninth Circuit overruled it previous decision in Kagenveama, and held that applicable commitment period represented minimum plan duration (when trustee or unsecured creditor objects)
Eighth Cir (8)
In Re Conway, 495 BR 416
(Bankr. 8th Cir
)
2013-08-21 - (In Re Conway, 495 BR 416, Bankr. 8th Cir, 8/21/2013)
Appellate court rules de novo that hardship standard has been met
Tenth Cir (CO)
In re Harvey, Case No. 11-23142 MER
(Bankr D Colo
)
2013-08-20 - (In re Harvey, Case No. 11-23142 MER, Bankr D Colo, 8/20/2013)
Eleventh Cir (FL-M)
In re Kelly, 496 B.R. 230
(Bankr MD Fla
)
2013-08-07 - (In re Kelly, 496 B.R. 230, Bankr MD Fla, 8/7/2013)
Eighth Cir (8-BAP)
Leitch v. Christians (In re Leitch), 494 B.R. 918
(B.A.P. 8th Cir.
)
2013-07-16 - (Leitch v. Christians (In re Leitch), 494 B.R. 918, B.A.P. 8th Cir., 7/16/2013,)
Health Savings Accounts (HSAs) are property of the state and are not exempt under federal exemptions. (Debtor argued account exempt under 522(d(10)(C) or (11)(D))
Court said it is not a "benefit plan". (would it be different in employer contributed?)
Few states have exemption for HSAs
If no wildcard available, only practical solution may be to withdraw the funds and pay the tax penalty.
Eighth Cir (8)
IN RE ABDUL-RAHIM, No. 12-3448
(Court of Appeals 8th Circuit
)
2013-07-12 - (IN RE ABDUL-RAHIM, No. 12-3448, Court of Appeals 8th Circuit, 7/12/2013)
Reaffirming In Re Benn as controlling law when it comes to Missouri Exemptions. Exemptions must be statutory in Missouri under its opt-out law.
Cir ()
Daley v. Mostoller (In re Daley), 717 F.3d 506
(6th Cir.
)
2013-06-17 - (Daley v. Mostoller (In re Daley), 717 F.3d 506, 6th Cir., 6/17/2013)
Eighth Cir (IA-S)
In re Nielsen, 09-04888-als7
(Bankr SD Iowa
)
2013-05-24 - (In re Nielsen, 09-04888-als7, Bankr SD Iowa, 5/24/13)
The court found many of the reasons the debtor gave for being unable to work were self-imposed restrictions (Ex: had 4 kids so couldn't work), and she was capable of working for a meaningful income.
Ninth Cir (9)
In re Hedlund (Hedlund v. THE EDUCATIONAL RESOURCES INSTITUTE INC.), 718 F. 3d 848
(9th Cir.
)
2013-05-22 - (In re Hedlund (Hedlund v. THE EDUCATIONAL RESOURCES INSTITUTE INC.), 718 F. 3d 848 , 9th Cir., 5/22/2013)
Deals with the "good faith" prong of the Breunner test, and the standard of review of lower court decisions. Will apply "clearly erroneous" standard. So the case is won or lost at the BK cout level. Very hard to appeal "good faith" findings, pro or con to debtor.
Ninth circut says that lower court's finding of good faith is not reviewable by dist court. DC was wrong to retry the issue of good faith de novo without a finding of "clear error". It was not clear error here to fail to require the spouse to go to work to pay off the debtor's debts.
Third Cir (PA-E)
In re Mott, 492 BR 218
(Bankr ED Pa
)
2013-05-22 - (In re Mott, 492 BR 218, Bankr ED Pa, 5/22/13)
Great example of how NOT to challenge a student loan. Vauge complaint did not address any of the standard banrkuptcy priciples required to discharge a student loan, and indeed was so vague in its claims that the court decided it didn't even have jurisdiction to hear the issues raised.
Third Cir (PA-E)
In re Jones, 495 B.R. 674
(Bankr ED Pa
)
2013-05-03 - (In re Jones, 495 B.R. 674, Bankr ED Pa, 5/3/2013)
Seventh Cir (7)
In re Clark, No. 12-1241
(7th Cir.
)
2013-04-23 - (In re Clark, No. 12-1241, 7th Cir., 4/23/2013)
Ninth Cir (9-BAP)
IN RE ROTH, 490 BR 908
(Bankr. Appellate Panel 9th Circuit
)
2013-04-16 - (IN RE ROTH, 490 BR 908, Bankr. Appellate Panel 9th Circuit, 4/16/2013)
Student loan disccharge permitted even though debtor did not participate in "income-based repayment plan" ("IBRP") where it would have been futile.
"Perhaps more concretely, we see no real purpose in making Debtor jump through the hoops of applying for, and enrolling in, the IBRP and then reporting her income every year. The IBRP was set up to allow borrowers to pay an affordable amount toward retirement of their student loan debt. However, when absolutely no payment is forecast, the law should not impose negative consequences for failing to sign up for the program. This is consistent with the general maxim that the law does not require a party to engage in futile acts."
Seventh Cir (7)
In re KRIEGER (Krieger v. EDUCATIONAL CREDIT MANAGEMENT CORPORATION), No. 12-3592.
(7th Circuit
)
2013-04-10 - (In re KRIEGER (Krieger v. EDUCATIONAL CREDIT MANAGEMENT CORPORATION), No. 12-3592., 7th Circuit, 4/10/2013)
Ninth Cir (9)
Drummond v. Welsh (In re Welsh), 711 F.3d 1120
(9th Cir.
)
2013-03-25 - (Drummond v. Welsh (In re Welsh), 711 F.3d 1120, 9th Cir., 3/25/2013,13)
Fourth Cir (4)
Mort-Ranta v. Gorman, 721 F.3d 241
(4th Cir.
)
2013-03-20 - (Mort-Ranta v. Gorman, 721 F.3d 241, 4th Cir., 3/20/2013,)
Fifth Cir (TX-S)
In re McDowell, Case No. 12-31231.
(Bankr.S.D.Tex
)
2013-02-14 - (In re McDowell, Case No. 12-31231., Bankr.S.D.Tex, 2/14/13)
The Debtors' Debts are Primarily Consumer Debts because the Debtors are Judicially Estopped from Re-classifying Their Debts as Primarily Business Debts.
E. Even if the Debtors are not Judicially Estopped From Re-Characterizing Their Debts as Primarily Business Debts, their Debts Are, in Fact, Primarily Consumer Debts, and therefore Section 707(b) Applies.
Taking into account the classification of the F250 debt as 54.87 percent non-consumer and the mortgage as entirely consumer debt, and allowing the remainder of the Debtors' own amended classifications to stand,[6] the Debtors' consumer debts amount to $488,858.86, while their non-consumer debts amount to $465,387.60. Therefore, as more than fifty percent of the Debtors' total debt is consumer debt (51.23 percent, to be exact), the Debtors' debts are primarily consumer in nature.[7] Accordingly, even if the Debtors are not judicially estopped from denying that their debts are primarily consumer debts, the threshold test for application of section 707(b) has been satisfied.
Fourth Cir (NC-E)
IN RE KINTZELE, Case No. 12-04916-8-JRL.
(Bankr. Court ED North Carolina
)
2013-01-18 - (IN RE KINTZELE, Case No. 12-04916-8-JRL., Bankr. Court ED North Carolina, 1/18/2013)
Tenth Cir (10)
IN RE REINHART, No. 10-4075
(10th Circuit
)
2012-12-14 - (IN RE REINHART,No. 10-4075, 10th Circuit ,12/14/2012)
Tenth Cir (UT)
Gladwell v. Reinhart, No. 20110257
(Utah Sup Ct.
)
2012-12-04 - (Gladwell v. Reinhart,No. 20110257,Utah Sup Ct., 12/4/2012,)
Ninth Cir (CA-N)
Yoshioka v. CHARLES SCHWAB CORPORATION, No. C-11-1625 EMC.
(ND California
)
2012-11-27 - (Yoshioka v. CHARLES SCHWAB CORPORATION, No. C-11-1625 EMC., ND California, 11/27/2012)
Not a bankruptcy case... but a class action based on the faulty IRA agreements by Charles Schwab and Merril Lynch that resuted in denial of exemptions in the Daley case in Tennessee and the Hahn case in Michigan.
Class action was dismissed for lack of ripeness -- beacuse plaintiff wasn't going bankrupt.
"Plaintiff cites a bankruptcy case finding that provisions in a debtor's IRA account agreement that created a lien on the IRA constituted a prohibited transaction. In re Daley, 459 B.R. 270, 277-79 (Bankr. E.D. Tenn. 2011). The court in [Daley] concluded that the IRA had lost its tax exempt status and thus was not exempt from distribution to creditors. Id. However, in the case at bar, Plaintiff has not alleged that she is in bankruptcy proceedings or that she has any creditors who have in any way indicated an intention to pursue the assets in her IRA."
"This Court finds that Plaintiff has failed to establish the kind of imminent threat of harm necessary to establish that her claims are currently ripe for adjudication. If at some future date the threat of IRS enforcement or other potential harms she asserts moves beyond the realm of the speculative, she may seek to bring her claims in a new lawsuit."
Sixth Cir (MI-E)
IN RE HAHN, Case No. 12-13247.
(ED Michigan
)
2012-11-26 - (IN RE HAHN, Case No. 12-13247., ED Michigan, 11/26/2012)
Eighth Cir (8-BAP)
In re Shaffer, 481 B.R. 15
(8th Cir
)
2012-10-30 - (In re Shaffer, 481 B.R. 15, 8th Cir, 10/30/2012)
Tenth Cir (10)
in re Cranmer, No. 12-4002
(10th Cir.
)
2012-10-24 - (in re Cranmer,No. 12-4002,10th Cir.,10/24/2012,13)
Social Security income is not included in "Projected Disposable Income" for chapter 13 plans.
Sixth Cir (6)
In re Schafer, 689 F.3d 601
(6th Circuit
)
2012-08-20 - (In re Schafer, 689 F.3d 601,6th Circuit,8/20/2012)
DCCir Cir (DC)
IN RE WISE, 476 BR 653
(Bankr. D.C.
)
2012-08-16 - (IN RE WISE, 476 BR 653, Bankr. D.C., 8/16/2012,)
Fourth Cir (4)
Johnson v Zimmer (in re Johnson), 2012 WL 2819463
(4th Cir.
)
2012-07-11 - (Johnson v Zimmer (in re Johnson), 2012 WL 2819463, 4th Cir., 7/11/12,)
"The bankruptcy court adopted a variation of the "economic unit" approach, first assessing the number of individuals whose income and expenses are intermingled with the Debtor's, and then calculating how much time any part-time residents were members of the Debtor's household. In adopting the "economic unit" approach, the bankruptcy court noted that the other two definitions were inconsistent with the purpose of the Code and were the least flexible in terms of adapting to an individual debtor's circumstances.
In deciding that part-time residents should count as part-time members of the Debtor's "household," the bankruptcy court acknowledged that "[d]ividing children into fractions is not ideal," but concluded that this additional step in applying the economic unit approach best "capture[d] the nuances of familial support and bonds" and enabled the court to "account for dependents who reside with the debtor on a part-time basis. . . in calculating variable costs such as food, utilities, and out-of-pocket health care expenses." (J.A. 98, 99.) In re Johnson, 2011 WL 5902883, at *2-*3.
....
Because Congress' intent will most often be best implemented through a definition of "household" that is based on whether individuals operate as a single economic unit and are financially interdependent, we conclude the bankruptcy court did not err in applying this method to determine the Debtor's "household" size. Accordingly, we affirm the order of the bankruptcy court.
AFFIRMED."
Eighth Cir (AR-W)
In re Covel, 474 B.R. 702
(Bkrtcy.W.D.Ark.
)
2012-07-03 - (In re Covel, 474 B.R. 702, Bkrtcy.W.D.Ark.,7/3/2012,7)
Second Cir (NY-W)
Bene v Educational Credit Management Corp (In re Bene), 474 BR 56
(Bankr.W.D.N.Y
)
2012-06-26 - (Bene v Educational Credit Management Corp (In re Bene), 474 BR 56, Bankr.W.D.N.Y, 6/26/12)
Eleventh Cir (11)
In re McNeal, Case No. 11-11352 (unpublished)
(11th Cir
)
2012-05-02 - (In re McNeal, Case No. 11-11352 (unpublished), 11th Cir, 5/2/2012, 7)
Tenth Cir (KS)
In re Westby, 473 B.R. 392
(Bankr.Kansas
)
2012-04-04 - (In re Westby, 473 B.R. 392, Bankr.Kansas, 4/4/2012, )
Fifth Cir (5)
In re Chilton, 674 F.3d 486
(5th. Cir.
)
2012-03-12 - (In re Chilton, 674 F.3d 486 , 5th. Cir., 3/12/2012)
Eleventh Cir (FL-S)
IN RE LUBAN, Case No. 11-13633-BKC-AJC.
(Bankr. SD Florida
)
2012-02-27 - (IN RE LUBAN, Case No. 11-13633-BKC-AJC., Bankr. SD Florida, 2/27/2012,13)
The Court must decide whether Debtors may claim an additional $200 operating expense in calculating their projected disposable income. Upon consideration, the Court finds that Debtors may not claim the additional expense for several reasons. First and foremost, the Bankruptcy Code provides that a debtor's expenses are to be defined by the standards promulgated by the IRS, not by the IRM; the IRM is neither incorporated into the IRS Local Standards nor the Bankruptcy Code. Debtors are also not entitled to a deduction merely because they anticipate that they may later incur additional expenses because their vehicles are more than six years old. Congress intended for Chapter 13 debtors to pay the maximum amount that they could afford and disallowing the additional deduction, where there is no proof of the actual expense, furthers that policy.
Ninth Cir (9-BAP)
In re Welsh, 465 BR 843
(Bankr. Appellate Panel 9th Circuit
)
2012-02-17 - (In re Welsh, 465 BR 843, Bankr. Appellate Panel 9th Circuit, 2/17/2012,13)
Seventh Cir (IL-N)
IN RE JOKIEL, No 09-B-27495
(Bankr. ND Illinois
)
2012-01-05 - (IN RE JOKIEL, No 09-B-27495, Bankr. ND Illinois , 1/5/2012)
Illinois wage garnishment law found not to create a bankruptcy exemption.
Sixth Cir (MI-E)
IN THE MATTER OF STEPHENSON, Case No. 11-cv-10848.
(Dist. Court ED Michigan
)
2011-12-12 - (IN THE MATTER OF STEPHENSON, Case No. 11-cv-10848., Dist. Court ED Michigan, 12/12/2011)
First Cir (RI)
In re Gaboury, BK No. 11-10725
(Bankr.D.R.I.
)
2011-11-17 - (In re Gaboury,BK No. 11-10725, Bankr.D.R.I.,11/17/11,)
debtor's household size included two adult children who lived with them, given the totality of the circumstances
Eleventh Cir (GA-N)
In re Wilhite, 2011 WL 5902487; Case No. 11-53843-CRM
(Bankr. N.D.Ga.
)
2011-11-17 - (In re Wilhite, 2011 WL 5902487; Case No. 11-53843-CRM, Bankr. N.D.Ga., 11/17/2011)
denied the additional $200 old-car operating expense on the basis that it does not appear in the IRS Standards and that allowing the expense would be inconsistent with the Code
Sixth Cir (MI-E)
IN RE REINHART, 460 BR 466
(Bankr. Court ED Michigan
)
2011-11-16 - (IN RE REINHART, 460 BR 466, Bankr. Court ED Michigan, 11/16/2011)
Third Cir (PA-E)
In re Crawley, 460 B.R. 421
(Bankr. E.D. Pa
)
2011-10-24 - (In re Crawley,460 B.R. 421 , Bankr. E.D. Pa, 10/24/11)
Student loann hardship discharge allowed where debtor had paid for 24 years despite diffuculties. Failure to participate in Income Contingent Repayment Plan (ICRP) was not a deal killer. Brunner test is satisfied.
student loans
Fourth Cir (SC)
In re Coleman,
(Bankr.D.S.C.
)
2011-10-20 - (In re Coleman, , Bankr.D.S.C., 10/20/11, )
Punitive damages awarded for repeated collection calls in violation of stay
automatic stay
Sixth Cir (MI-W)
In re Strozewski, 458 B.R. 397
(Bankr. W.D.Mich
)
2011-10-18 - (In re Strozewski, 458 B.R. 397, Bankr. W.D.Mich, 10/18/11,)
Default judgment for emotional distress implies "willful" act (either reckless or intentional" which is enough to satisfy the willful or malicious injury standard for rejecting claims as non-dischargeable under 523(a)(6)
willfull and malicious injury, dischargeability
Fourth Cir (VA-E)
In re Nguyen, Case No. 11-15308-BFK.
(Bankr.E.D.VA
)
2011-10-17 - (In re Nguyen,Case No. 11-15308-BFK. , Bankr.E.D.VA, 10/17/11,)
No equity required for debtor to take advantage of power to void judicial liens under section 522(f).. Good discussion of how caselaw supports this and how the law was changed in 1994 to make clear what the formula is.
lien avoidance, judicial liens, 522(f)
First Cir (MA)
In re Claudio, 459 B.R. 500
(Bankr.D.Mass
)
2011-10-13 - (In re Claudio,459 B.R. 500 , Bankr.D.Mass, 10/13/11,13)
Court denies request for $4K above standard "no look" feee of $3,500 for chapter 13 cases in that district.
fees
Third Cir (PA-M)
In re Walck, 459 B.R. 208
(Bankr.M.D.Pa
)
2011-10-11 - (In re Walck,459 B.R. 208, Bankr.M.D.Pa,10/11/11,7)
$100,000 insuramce proceeds fully exempt as necessary for support for low income debtor with only a few more years till retirement. Federal exeption used. 522(d)(1)(C)
exemptions, life insurance,
Sixth Cir (TN-E)
In re Daley, 459 B.R. 270
(Bankr.E.D.Tenn
)
2011-10-11 - (In re Daley,459 B.R. 270 , Bankr.E.D.Tenn, 10/11/11,)
Debtor's IRA with Merrill Lynch was not exempt due to language in a standard Client Relationship Agreement which gave Merrill a Lien on all IRA funds used for Margin or borrowing. Debtor never did either, but the clause itself was enough to render the IRA not exempt, according to the judge.
IRA, exemptions
Sixth Cir (OH-N)
In re Taber, 2011 WL 4048521; Case No. 06-33421
(Bankr.N.D. Ohio
)
2011-09-12 - (In re Taber, 2011 WL 4048521; Case No. 06-33421, Bankr.N.D. Ohio, 9/12/2011)
Trustee claimed that Ohio debtor was limited to Ohio exemptions and could not take the IRA exemption under 522(b)(3), even though it sustained the objection to the debtor's assertion that the property was excluded from the estate via 541(c)(2) because debtor presented no arguments or evidence that the requirements of 541(c)(2) had been met. Nevertheless the exemption was allowed because the Trustee did not meet the burden of challenging the debtor's claim of exemption.
IRA, Inherited IRA
Fourth Cir (WV-N)
1n re Kramp, Case No. 10-1681
(Bankr. N.D. WV
)
2011-09-06 - (1n re Kramp, Case No. 10-1681, Bankr. N.D. WV,9/6/11,13)
Chapter 13 plan to keep expensive Harley Davidson motorcycle with monthly payments of $401 was bad faith.
Fourth Cir (VA-E)
In re Nguyen and Trinh, Case No. 11-14125-BFK
(Bankr.ED VA
)
2011-09-02 - (In re Nguyen and Trinh, Case No. 11-14125-BFK , Bankr.ED VA, 9/2/11, 7)
When a state opts out of federal exemptions, state law determines PROCEDURE as well as substance of exemptions. In this case, they did not file their homestead deed in time required by state law (within 5 days of the 341 meeting date.
exemptions, homestead
Eighth Cir (MO-W)
In re Bryan, No. 10-40330-drd7
(Bankr. W.D. Missouri
)
2011-09-02 - (In re Bryan, No. 10-40330-drd7, Bankr. W.D. Missouri, 9/2/2011)
Missouri annuity statute is not an valid bankruptcy exemption because it does not contain the words "exempt" Citing the 8th Cir ruling In re Benn, 491 F.3d 811; 814, 8th Cir., 2007
Third Cir (PA-E)
In re Eagan, 458 B.R. 836
(Bankr. E.D PA
)
2011-08-30 - (In re Eagan, 458 B.R. 836, Bankr. E.D PA, 8/30/11,13)
Chapter 13 plan payments do not have to increase once 401Kk) loan is paid off. Here, debtors were allowed to increase 401Kk) contributions once the loan was paid off so there would be no net change in Chapter 13 payments. Court said that was OK under section 541(b)(7), Judge noted that form 22C and section 541(b)(7) excludes plan payments from a debor's projected disposable income.
401(k)
Eighth Cir (8-BAP)
Fisette v. Keller (In re Fisette), No. 11-6012; 2011 WL 3795138
(B.A.P. 8th Cir.
)
2011-08-29 - (Fisette v. Keller (In re Fisette), No. 11-6012; 2011 WL 3795138, B.A.P. 8th Cir., 8/29/2011,13)
Eighth Cir (MO-W)
Russell v. Healthmont of Missouri LLC, 348 SW 3d 784
(Mo: Court of Appeals W.D.
)
2011-08-23 - (Russell v. Healthmont of Missouri LLC, 348 SW 3d 784, Mo: Court of Appeals W.D., 8/23/2011)
Tenth Cir (10-BAP)
Wilcox v. Anderson (In re Wilcox), No. 10-32828; 2011 WL 3347772
(B.A.P. 10th Cir.
)
2011-08-04 - (Wilcox v. Anderson (In re Wilcox), No. 10-32828; 2011 WL 3347772, B.A.P. 10th Cir.,8/4/2011,13)
Eighth Cir (IA-N)
IN RE HEFEL, No. 11-CV-1010-LRR
(ND Iowa
)
2011-07-28 - (IN RE HEFEL, No. 11-CV-1010-LRR, ND Iowa, 7/28/2011)
First Cir (NH)
In re Scannell, 453 B.R. 36
(Bankr.D.N.H
)
2011-07-26 - (In re Scannell,453 B.R. 36,Bankr.D.N.H,7/26/2011,7)
the fact that debtor did not claim full exemption on Schedule C does not prevent him from applying the full exemption in doing the lein-avoidance calculaitons under section 522(f)(2)(A)(iii).
First Cir (MA)
In re Massey, 455 B.R. 17
(Bankr.D.Mass
)
2011-07-25 - (In re Massey, 455 B.R. 17, Bankr.D.Mass, 7/25/2011,13)
Third Cir (PA-M)
In re Taitt, 452 B.R. 900
(Bankr.M.D.Pa
)
2011-07-18 - (In re Taitt,452 B.R. 900,Bankr.M.D.Pa, 7/18/2011)
Debtor can avoid judgment lien even if it is senior to a mortgage
Third Cir (PA-M)
In re Gregory, 452 BR 895
(Bankr.M.D.Pa
)
2011-07-13 - (In re Gregory, 452 BR 895, Bankr.M.D.Pa, 7/13/2011)
Although debtor documented additional expenses deductions for housing and utility expenses (Line 26 Form 22C) , court still found they are not all "reasonable and necessary" but still allowed some.
First Cir (MA)
In re Puffer, 453 B.R. 14
(D.Mass.
)
2011-07-08 - (In re Puffer, 453 B.R. 14, D.Mass.,7/8/11)
Chapter 13 plans that only pay the attorneys fees are not proposed in good faith.
First Cir (MA)
In re Beckett, 455 B.R. 9
(Bankr.D.Mass.
)
2011-07-07 - (In re Beckett, 455 B.R. 9, Bankr.D.Mass.,7/7/2011)
No violation of automatic stay where creditor refused to reinstate debtor's drivers license for unpaid auto liability. Drivers license would be reinstated when debtor received bankruptcy discharge.
Second Cir (VT)
In re Greene, Case No. 10-10801. 2011 WL 2457690
(Bankr.D.Vt.
)
2011-06-20 - (In re Greene, Case No. 10-10801. 2011 WL 2457690, Bankr.D.Vt., 6/20/2011,)
Vermont Homestead Exemption can be claimed on mortgage proceeds from sale of last homestead where debtor had sold house but never really settield in a new homestead or claimed another home as her homestead.
First Cir (MA)
In re Sullivan, 454 B.R. 1
(D.Mass
)
2011-06-15 - (In re Sullivan,454 B.R. 1, D.Mass, 6/15/2011,13)
Fee request of $12,000 reduced to 3,584.
Eighth Cir (MO-W)
In re Schultz, 2011 WL 2443711
(Bankr. W.D.Mo.
)
2011-06-14 - (In re Schultz, 2011 WL 2443711, Bankr. W.D.Mo., 6/14/2011)
denied the additional $200 old-car operating expense on the basis that it does not appear in the IRS Standards and that allowing the expense would be inconsistent with the Code
Eleventh Cir (GA-M)
In re Rucker, 454 BR 554
(Bankr. Court MD Georgia
)
2011-06-14 - (In re Rucker, 454 BR 554, Bankr. Court MD Georgia ,6/14/2011)
Eleventh Cir (GA-M)
IN RE RUCKER, 454 B.R. 554
(Bankr. MD Georgia
)
2011-06-13 - (IN RE RUCKER, 454 B.R. 554, Bankr. MD Georgia, 6/13/2011)
DCCir Cir (DC)
IN RE MORDKIN, 452 B.R. 311
(Bankr. Dist. of Columbia
)
2011-05-26 - (IN RE MORDKIN, 452 B.R. 311, Bankr. Dist. of Columbia, 5/26/2011)
Fourth Cir (VA-E)
In re Lassiter, Case No. 08-31578-KRH; 2011 WL 2039363
(Bankr. E.D. Va.
)
2011-05-24 - (In re Lassiter, Case No. 08-31578-KRH; 2011 WL 2039363, Bankr. E.D. Va., 5/24/2011)
Seventh Cir (IL-N)
In re VanDyke, 450 B.R. 836; 841
(Bankr. C.D.Ill.
)
2011-05-12 - (In re VanDyke, 450 B.R. 836; 841, Bankr. C.D.Ill., 5/12/2011)
denied the additional $200 old-car operating expense on the basis that it does not appear in the IRS Standards and that allowing the expense would be inconsistent with the Code
Tenth Cir (UT)
In re Hargis, 451 BR 174
(Bankr. Utah
)
2011-05-03 - (In re Hargis, 451 BR 174, Bankr. Utah, 5/3/2011 )
While above-median income Chapter 13 debtors are not automatically entitled to take a $200 per month additional operating expense for an old motor vehicle, such debtors may claim an additional vehicle operating expense they actually incur for operating an older vehicle.
Fourth Cir (4)
Calhoun v U.S.Trustee, 650 F.3d 338 (2011)
(4th Cir.
)
2011-05-03 - (Calhoun v U.S.Trustee, 650 F.3d 338 (2011), 4th Cir.,05/03/2011)
Means test non conclusive. Dismissal under 707(b)(3)
Tenth Cir (KS)
Hall v Ford Motor Credit co. LLC, No 103.370
(Kansas Supreme Court
)
2011-05-02 - (Hall v Ford Motor Credit co. LLC, No 103.370,Kansas Supreme Court, 05/02/11,)
Under Kansas law, creditor can repo pickup truck if there is no reaffirmation, even though payments are current.
Eleventh Cir (AL-M)
In re Humphrey, No. 10-30738-WRS
(Bankr. M.D. Ala.
)
2011-04-19 - (In re Humphrey,No. 10-30738-WRS,Bankr. M.D. Ala.,4/19/2011)
"As only one incident of identity theft was charged or proved, only $5,000 may be awarded under Alabama Code 13A-8-199."
First Cir (MA)
In re Akillian, No. 09-17200-JNF
(Bankr. D. Mass.
)
2011-04-13 - (In re Akillian,No. 09-17200-JNF,Bankr. D. Mass.,4/13/2011)
"moral" agreement to divvy up proceeds of sale of house based on past loans the deceased mother gave to a son, was not based on a written contract and therefore, constituted an avoidable gift from one son to the other.
First Cir (MA)
In re Sullivan, Case No. 10 B 09922
(Bankr.D.Mass
)
2011-04-08 - (In re Sullivan, Case No. 10 B 09922, Bankr.D.Mass,4/8/2011)
Eleventh Cir (FL-S)
IN RE GERARDIN, 10-16511-RAM
(Bankr. SD Florida
)
2011-03-28 - (IN RE GERARDIN,10-16511-RAM ,Bankr. SD Florida ,3/28/2011)
Does not follow Tran
Cir ()
In re Lanza, No. 1:10-bk-06272-MDF
(Bankr.M.D.Pa
)
2011-03-25 - (In re Lanza, No. 1:10-bk-06272-MDF, Bankr.M.D.Pa, 3/25/2011,7,below)
Debtor's ability to pay, despite below median income, warrants dismissal. Surrender of property will free up income and daughter's education expenses must come after paying creditors.
Fifth Cir (TX-N)
IN RE SALAZAR, 449 B.R. 890
(Bankr. ND Texas
)
2011-03-23 - (IN RE SALAZAR, 449 B.R. 890, Bankr. ND Texas, 3/23/2011)
Eighth Cir (8)
In re Chapman, 447 B.R. 250
(B.A.P. 8th Cir.
)
2011-03-11 - (In re Chapman, 447 B.R. 250, B.A.P. 8th Cir., 3/11/2011)
Fourth Cir (VA-E)
In re Robinson, No. 10-34516-KRH.
(Banker. E.D. Va.
)
2011-03-10 - (In re Robinson,No. 10-34516-KRH.,Banker. E.D. Va.,3/10/2011)
Court has this day entered an order requiring the Debtor to amend his form B22C to reflect a household size of three. This Memorandum Opinion sets forth the reasoning for the Court's decision and clarifies the "economic unit" approach the Court has applied to obtain this result
Debtor is an unmarried father of four children, two sons aged 14 and 8 and two daughters aged 7 and 6. Not all of the children are siblings. Nonetheless, the Debtor and his children function as a family. The four children spend various days and nights with the Debtor on a schedule he has been able to arrange with the mothers of the children.[1] Despite some flexibility in the arrangements, each child spends on average four days and nights with the Debtor in any given week.[2]
Sixth Cir (KY-E)
IN RE HORTON, Case No. 10-53495.
(Bankr. ED Kentucky
)
2011-03-04 - (IN RE HORTON, Case No. 10-53495., Bankr. ED Kentucky, 3/4/2011)
Sixth Cir (6-BAP)
In re Schafer, 455 B.R. 590
(BAP 6th Circuit
)
2011-02-24 - (In re Schafer, 455 B.R. 590, BAP 6th Circuit, 2/24/2011,)
Michigan's BK-Only exemptions are unconstitutional.
REVERSED BY 6TH CIRCUIT
First Cir (MA)
In re Tague, No. 10-20100-WCH
(Bankr.D.Mass
)
2011-02-16 - (In re Tague, No. 10-20100-WCH, Bankr.D.Mass,2/16/2011)
Third Cir (PA-E)
In re Harmon, Bky. No. 10-15329 ELF
(Bankr.E.D.PA
)
2011-02-16 - (In re Harmon, Bky. No. 10-15329 ELF, Bankr.E.D.PA, 2/16/2011, )
Fourth Cir (MD)
In re Pollard, No. 10-17396PM
(Bankr.D.MD
)
2011-02-09 - (In re Pollard, No. 10-17396PM, Bankr.D.MD, 2/9/2011,13)
Follows Tran
Ninth Cir (MT)
In re Baker, No. 10-61317-13; 2011 WL 576851
(Bankr. D. Mont.
)
2011-02-09 - (In re Baker, No. 10-61317-13; 2011 WL 576851, Bankr. D. Mont., 2/9/2011,13)
Debtors are allowed a $200 operating expense for old vehicles. In re Byrn, 410 B.R. 642 (Bankr. D. Mont. 2008); Internal Revenue Manual, Financial Analysis Handbook, Part 5, Chapter 8
Fourth Cir (VA-E)
In re Stoney, No. 10-74849-SCS
(Bankr. E.D.VA
)
2011-02-09 - (In re Stoney,No. 10-74849-SCS, Bankr. E.D.VA,2/9/2011)
The Schwab case does not support using "100% of FMV" as claimed exemption amount where the relevant Virginia exemption statute lists a maximum dollar value. Such exemptions require debtor to state explicit value, under state law. Unlimited exemptions do not require it.
Cir ()
Baud v. Carroll, No. 09-2164
(6th Cir
)
2011-02-04 - (Baud v. Carroll, No. 09-2164, 6th Cir, 2/4/2011, 13, )
Second Cir (NY-W)
In re Wisotzke, Case No. 08-21178
(Bankr.W.D.N.Y.
)
2011-02-04 - (In re Wisotzke, Case No. 08-21178, Bankr.W.D.N.Y., 2/4/2011,)
Debtor who lived in house in name of deceased parents could not claim homestead where probate proceedings had not concluded and it was unclear what property could be used to pay taxes, etc. Until administration of probate is closed, debtor did not own house for homestead purposes.
Sixth Cir (6)
Baud v. Carroll, 634 F.3d 327; 345
(6th Cir
)
2011-02-04 - ( Baud v. Carroll, 634 F.3d 327; 345, 6th Cir, 2/4/2011)
Second Cir (NY-S)
In re Magee, 444 BR 254
(Banrk.S.D.N.Y.
)
2011-02-03 - (In re Magee, 444 BR 254, Banrk.S.D.N.Y.,2/3/2011)
Exemptions taken in previous Chapter 7 do not bind the current Chapter 13 proceeding where N.Y. state exemptions had substantially increased between first and second filing. Coutt ruled debtor may claim new, higher exemption amounts.
Fifth Cir (TX-W)
In re Fernandez, 445 B.R. 790
(W.D.TX
)
2011-01-26 - (In re Fernandez, 445 B.R. 790, W.D.TX, 01/26/2011)
Debtor who left his Texas home to find work in Nevada for two years before returning to Texas and filing bankruptcy lost his Texas homestead exemption, and could not claim Nevada exemption either, according to this court (diverging from two other courts in the same district - In re Camp 396 B.R. 194, W.D.TX, 2008; In re Garrett, 435 B.R. 434, W.D.TX, 2010
Second Cir (NY-N)
In re Burnett, Case Nos. 10-31788; 10-31824
(Bankr. N.D.N.Y
)
2011-01-21 - (In re Burnett, Case Nos. 10-31788; 10-31824 ,Bankr. N.D.N.Y, 1/21/2011)
Ninth Cir (AZ)
In re Thiem, 443 B.R. 832 at 843-44
(Bankr. D. Ariz.
)
2011-01-19 - (In re Thiem, 443 B.R. 832 at 843-44, Bankr. D. Ariz., 1/19/2011)
Cir (US)
Ransom v. FIA Card Services, 131 S. Ct. 716 - Supreme Court 2011
(S.Ct
)
2011-01-11 - (Ransom v. FIA Card Services, 131 S. Ct. 716 - Supreme Court 2011, S.Ct, 1/11/2011, 13, Above)
A debtor who does not make loan or lease payments may not take the car-ownership deduction.
Fourth Cir (SC)
In re Hermann, 2011 WL 576753
(Bankr.D.S.C.
)
2011-01-01 - (In re Hermann, 2011 WL 576753, Bankr.D.S.C.,1/1/2011)
Chapter 13 plan that fails to account for Social Security income is found to be proposed in bad faith.. OUTLIER CASE. Most cases disagree.
Fifth Cir (TX-N)
In re Moore, 442 BR 865
(Bankr N.D.Texas
)
2010-12-29 - (In re Moore, 442 BR 865, Bankr N.D.Texas,12/29/2010)
ISSUE: How to claim property as completely exempt: Debtor put as value of exemption = to "100% of FMV" to indicate his assertion that the item was fully exempt. Trustee exempted, but court upheld the practice, which triggers an evidentiary hearing to determine value.
Second Cir (NY-W)
In re Burgio, 441 B.R. 218
(Bankr W.D.N.Y
)
2010-12-23 - (In re Burgio, 441 B.R. 218, Bankr W.D.N.Y,12/23/2010,7)
Debtor cannot compel trustee to abandon debtpr's partially exempt car. Good explanation of procedure when you have a partial exemption and how you lose your car.
First Cir (MA)
In re Walsh, 443 B.R. 256
(Bankr.D.Mass
)
2010-12-16 - (In re Walsh, 443 B.R. 256, Bankr.D.Mass, 12/16/2010)
Pro se debtor can't end mortgage or stop foreclosure by writing statement on checks claiming that endorsement constituted an agreement to loan forgiveness. Court points out that there is no "accord and satisfaction" in play when there is no dispute as to the amount owed.
Fourth Cir (4)
Suntrust v. Millard, No 09-2266
(4th Cir
)
2010-12-15 - (Suntrust v. Millard, No 09-2266, 4th Cir, 12/15/2010,13)
We have reviewed the record and find no reversible error. Accordingly, we affirm for the reasons stated by the district court. SunTrust Bank v. Millard, No. 8:08-cv-03002-MJG, 08-17964 (D. Md. Nov. 7, 2008 & Sept. 28, 2009).
Cir (MO)
In re Hurd, 441 BR 116
(Bankr. Appellate Panel 8th Circuit
)
2010-12-15 - (In re Hurd, 441 BR 116 ,Bankr. Appellate Panel 8th Circuit, 12/15/2010)
Ninth Cir (AZ)
In re Barron, 441 BR 131
(Bankr.D.Arizona
)
2010-12-14 - (In re Barron, 441 BR 131, Bankr.D.Arizona, 12/14/2010 )
Court cannot review a reaffirmation agreement if counsel does not execute a declaration in support of the reaffirmation as required by 524(c)(3). Counsel cannot opt out of representing debtor on the issue of reaffirmation. In the past court as allowed it but will not allow it any longer.
Second Cir (NY-E)
in re Katos, Case No. 10-72490-ast
(Bankr.E.D.N.Y.
)
2010-12-09 - (in re Katos, Case No. 10-72490-ast, Bankr.E.D.N.Y.,12/9/2010)
Trustee objected to dismissal even though creditors did not. Court allowed dismissal if debtor would pay costs incurred by trustee already.
Ninth Cir (OR)
In re Grignon, Case No. 10-34196-tmb13
(Bankr. D. Or.
)
2010-12-07 - (In re Grignon,Case No. 10-34196-tmb13 , Bankr. D. Or., 12/7/2010, )
Follows Tran
Eighth Cir (SD)
In re Coleman, No. 10-10171
(Bankr.S.D.
)
2010-12-07 - (In re Coleman,No. 10-10171,Bankr.S.D.,12/7/2010,)
Fourth Cir (NC-M)
In re Fields, No; 08-10278
(M.D.N.C.
)
2010-12-02 - (In re Fields,No; 08-10278 , M.D.N.C., 12/2/2010)
transfer of husband's property to TBE ownership five months before BK was undone; found it was done with intent to hinder, delay, or defraud creditors.
Second Cir (NY-N)
In re Moore, 441 BR 732
(Bankr. ND New York
)
2010-11-18 - (In re Moore, 441 BR 732,Bankr. ND New York, 11/18/2010,13)
Good review of caselaw on the question of whether 1322(b)(2) allows modification of a mortgage where the home includes rental property. Follows Scarborough line of cases.
Seventh Cir (WI-E)
In re Edmonds, 444 B.R. 89
(Bankr.E.D.Wis
)
2010-11-05 - (In re Edmonds,444 B.R. 89 , Bankr.E.D.Wis, 11/5/2010)
Debtors with incomes of 130,000 cannot separately classify student loans as a special class of unsecured creditors who get 53% vs only 18% for other unsecured creditors.
First Cir (MA)
IN RE BLOOMSTEIN, Case No. 09-11241-JNF.
(Bankr. D. Massachusetts
)
2010-11-05 - (IN RE BLOOMSTEIN, Case No. 09-11241-JNF., Bankr. D. Massachusetts, 11/5/2010)
Eighth Cir (8-BAP)
Danduran v. Kaler, 438 B.R. 658
(B.A.P. 8th Cir.
)
2010-11-04 - (Danduran v. Kaler, 438 B.R. 658, B.A.P. 8th Cir., 11/4/2010)
Court allowed debtor to claim as exempt $7000 deposited in bank account that held proceeds from sale of exempt homestead. Court said debtor's pre-bankruptcy exemption planning did not amount to fraud.
Eighth Cir (8-BAP)
In re Sederlund, 440 B.R. 168
(8th Cir BAP
)
2010-11-01 - (In re Sederlund,440 B.R. 168,8th Cir BAP,11/1/10,)
Applying principles announced in the 2009 8th Cir case, Jesperson, 571 F.3d 775 (hardship cannot be claimed where lack of income is self-imposed) court found debtors tendency to quit repeated jobs after disputes with co-workers and supervisors made her hardship self-imposed.
Seventh Cir (IL-C)
IN RE WALKER, 07-70358
(Bankr. CD Illinois
)
2010-10-21 - (IN RE WALKER, 07-70358, Bankr. CD Illinois, 10/21/2010,13)
Seventh Cir (IL-S)
In re King, 439 B.R. 129
(Bankr.S.D.Ill
)
2010-10-20 - (In re King,439 B.R. 129,Bankr.S.D.Ill,10/20/2010,13,)
debtors may not modify their plan to provide for a payment term less than their applicable commitment period unless unsecured creditors are paid in full
Eighth Cir (MO-E)
In re Parsons, 437 BR 854
(Bankr. ED Missouri
)
2010-10-06 - (In re Parsons, 437 BR 854, Bankr. ED Missouri, 10/6/2010)
Missouri wage garnishment law does not create and exemption in bankurptcy.
Eleventh Cir (GA-M)
In re Allen, Case #10-50827 JPS.
(Bankr.M.D.Ga
)
2010-10-04 - (In re Allen, Case #10-50827 JPS., Bankr.M.D.Ga, 10/4/2010,7)
Georgia's "bankruptcy-only" exemptions are the only exemptions that can be used in Georgia. Other exemption statutes in the state cannot be used.
Eleventh Cir (FL-S)
In re Valdes, Case No. 09-26712-BKC-AJC.
(Bankr.S.D.Fla.
)
2010-10-04 - (In re Valdes, Case No. 09-26712-BKC-AJC., Bankr.S.D.Fla., 10/4/2010,13)
Tenth Cir (UT)
in re Carrol, 10-20642
(Bankr.D.Utah
)
2010-10-01 - (in re Carrol, 10-20642, Bankr.D.Utah, 10/1/2010, 13)
Dewsnup prevents lein stripping under 506(d) not only in chapter 7 but also in chapter 13 cases (!?)
Eleventh Cir (AL-M)
In re Washington, 438 B.R. 348
(M.D. Ala.
)
2010-09-24 - (In re Washington, 438 B.R. 348, M.D. Ala., 9/24/2010,13,)
Ninth Cir (OR)
In re Odlin, 07-62298-fra13
(Bankr. D. Or.
)
2010-09-22 - (In re Odlin,07-62298-fra13,Bankr. D. Or.,9/22/2010,13)
debtor cannot modify chapter 13 plan to surrender car she trashed.
Third Cir (PA-E)
In re Coley, 437 B.R. 779
(Bankr.E.D.Pa.
)
2010-09-22 - (In re Coley, 437 B.R. 779, Bankr.E.D.Pa.,9/22/2010,)
When avoiding leins on property owned as TBE with a non-filing spouse, determine the total equity in the property by dividing the total equity of the couple and divide by 2. Then apply the debtor's exemption to the 1/2 equity to determine how much (if any) of the equity is non-exempt, for purposes of avoiding all or part of a judgment lien.
First Cir (1-BAP)
In re Bronsdon, 435 B.R. 791
(BAP 1st
)
2010-09-21 - (In re Bronsdon, 435 B.R. 791, BAP 1st, 9/21/2010, )
1st Cir BAP declines to follow Brunner test.
65 year old debtor need not participate in ICRP student loan payment modifications to qualify for hardship discharge. Although good faith is required, ICRP participation is not, pre se, a requirement to show good faith, and was not required under the facts of this case.
Fourth Cir (NC-M)
In re Saeed, 21 CBN 9
(Bankr. M.D.N.C.
)
2010-09-17 - (In re Saeed,21 CBN 9, Bankr. M.D.N.C.,9/17/2010,)
Under North Carolina statute N.C. Gen. Stat 45-91(1), a creditor cannot recover attorneys fees in a claim, unless it explains the fees "clearly and conspicuously" -- failure to do so constitutes a waiver of the attorney fee portion of the claim under N.C. Gen. Stat 45-91(3).
Eighth Cir (8-BAP)
In re Thompson, 10-6018
(Bankr. 8th Cir.
)
2010-09-16 - (In re Thompson,10-6018,Bankr. 8th Cir.,9/16/2010)
It is not bad faith to exclude Social Security payments from plan because BK code speicifically says you may do so.
Ninth Cir (ID)
In re Forshee, 09-42007
(Bankr. D. Idaho
)
2010-09-16 - (In re Forshee,09-42007,Bankr. D. Idaho, 9/16/2010)
Utah Debtor allowed to claim Idaho homesetad rights despite postpeition statements that she never intended to reside there (with her estranged husband)
Sixth Cir (6)
In re Tucker, 621 F.3d 460 Cir.
(9/15/2010
)
2010-09-15 - (In re Tucker,621 F.3d 460 Cir.,9/15/2010,13)
First Cir (1-BAP)
In re Coffin, 435 B.R. 780
(1st Cir BAP
)
2010-09-15 - (In re Coffin, 435 B.R. 780, 1st Cir BAP, 9/15/2010,13,Above)
Although Lanning can be read as an endorsement of judicial discretion, we cannot conclude that the Supreme Court intended to endorse an unfettered grant of discretion which would permit bankruptcy courts to apply BAPCPA in a manner directly at odds with its express terms. The Debtor owns and operates a vehicle and, therefore, incurs expenses related to it. The fact that those expenses may be less than the amount Congress fixed for inclusion in the means test analysis does not mean that courts have the discretion to disallow the expense in that analysis.
Sixth Cir (6-BAP)
In re Seafort, 437 B.R. 204
(Bankr. 6th Cir.
)
2010-09-14 - (In re Seafort,437 B.R. 204,Bankr. 6th Cir.,9/14/2010)
"'Postpetition income which becomes available after a debtor repays a 401(k) loan is not excluded from property of the estate...and is projected disposable income which must be committed to the Chapter 13 plan'"
Tenth Cir (10)
In re Dittmar, 618 F.3d 1199
(10th Cir.
)
2010-09-14 - (In re Dittmar, 618 F.3d 1199,10th Cir.,9/14/2010)
Stock rights paid out in post-petition IPO may be included if earned pre-petition.
Ninth Cir (9)
In re Gebhart, 621 F.3d 1206
(9th Cir.
)
2010-09-14 - (In re Gebhart, 621 F.3d 1206, 9th Cir., 9/14/2010, 7,)
what is frozen as of the date of filing the petition is the value of the debtor's exemption, not the fair market value of the property claimed as exempt. See Hyman v. Plotkin (In re Hyman), 967 F. 2d 1316, 1320 n.9 (9th Cir. 1992). A number of our cases have held that, under the California exemption scheme, the estate is entitled to postpetition appreciation in the value of property a portion of which is otherwise exempt. See Alsberg v. Robertson (In re Alsberg), 68 F.3d 312, 314-15 (9th Cir. 1995); Hyman, 967 F.2d at 1321; Schwaber v. Reed (In re Reed), 940 F.2d 1317, 1323 (9th Cir. 1991); see also Viet Vu v. Kendall (In re Viet Vu), 245 B.R. 644, 647-48 (9th Cir. BAP 2000).
.....
The debtors argue that the result we reach today will lead to uncertainty about the status of exempt property and abuses by trustees. The facts of the Gebhart bankruptcy suggest that some of these concerns are legitimate. Gebhart remained in his home for five years after filing for bankruptcy, paying his mortgage and believing that his bankruptcy was finished when he received his discharge. Gebhart may have been mistaken in this belief, but his misapprehension was shared by his mortgage lender, which refinanced his home, apparently unaware of any claims on the property by the Trustee. A Chapter 7 debtor will not be certain about the status of a homestead property until the case is closed (something that may not happen for several years after bankruptcy filing) or the trustee abandons the property.
Third Cir (PA-E)
Dronsfield v. McGarrity, 441 B.R. 242
(Bankr.M.D.Pa.
)
2010-09-14 - (Dronsfield v. McGarrity, 441 B.R. 242, Bankr.M.D.Pa.,9/14/2010,13,)
Chapter 13 plan confirmed in 1997 did not avoid a judgment lien because it did not contain sufficient detail about which liens were being avoided and for how much. Nor did debtors file a motion to do so. When debtors moved to reopen case to avoid the lien, court refused saying debtor's 1997 plan failed to list the name of each creditor and the collateral securing the liens. (Note: new model Chapter 13 plans include this degree of specificity.)
Fourth Cir (NC-M)
In re Wallace, No. 10-81205C-13D
(Bankr. M.D.N.C.
)
2010-09-14 - (In re Wallace, No. 10-81205C-13D, Bankr. M.D.N.C., 9/14/2010, )
Chapter 13 petition that was dismissed due to failure to submit schedules with in 45 days (because of attorney's mistake) cannot be reinstated. A dismissal order persuant to section 521(i) is not subject to being vacated based on a party's mistake, inadvertence, or excusable neglect.
Ninth Cir (OR)
In re Smith, 09-64658-fra7
(Bankr. D. Or.
)
2010-09-13 - (In re Smith,09-64658-fra7,Bankr. D. Or.,9/13/2010)
Leased car could be reposessed post discharge where debtor did not assume lease after trustee abandoned it.
Eleventh Cir (FL-M)
In re Visintainer, 435 B.R. 727
(Bankr. M.D. Fla.
)
2010-09-13 - (In re Visintainer,435 B.R. 727,Bankr. M.D. Fla.,9/13/2010,13,)
Debtor can be required to conform to courts model plan, and amend it with his own provisions. Cannot propose completely own plan. Court can require such compliance with local rules.
Seventh Cir (IL-N)
In re Distilo, 09-B-30984
(Bankr. N.D. Ill.
)
2010-09-10 - (In re Distilo,09-B-30984,Bankr. N.D. Ill.,9/10/2010)
Debtor could not discharge moneys obtained through business misrepresentations.
Tenth Cir (CO)
In re Wing, 435 B.R. 705
(Bankr. D. Colo.
)
2010-09-09 - (In re Wing,435 B.R. 705,Bankr. D. Colo.,9/9/2010,13,Above)
ACP is a temporal requirement, not just a multiplier. So a zero payment plan must last 60 months.
Tenth Cir (NM)
In re Parsons, 7-09-15382
(Bankr. D.N.M.
)
2010-09-09 - (In re Parsons,7-09-15382,Bankr. D.N.M.,9/9/2010,7)
Court would not allow $2,400 attorney fee of in no asset Chapter 7 case. $1,600 is max it would allow without documentation of 'individualized attention' attorney gave to each client in low-volume practice.
Sixth Cir (OH-S)
In re Gress, 435 B.R. 520
(Bankr. S.D. Ohio
)
2010-09-08 - (In re Gress,435 B.R. 520,Bankr. S.D. Ohio,9/8/2010)
Sixth Cir (TN-M)
In re Barbutes, 436 B.R. 518
(Bankr. M.D. Tenn.
)
2010-09-08 - (In re Barbutes,436 B.R. 518,Bankr. M.D. Tenn.,9/8/2010,13)
Tax refunds must be committed to Chapter 13 plan.
Tenth Cir (KS)
In re Auernheimer, 437 B.R. 405
(Bankr. D. Kan.
)
2010-09-08 - (In re Auernheimer,437 B.R. 405,Bankr. D. Kan.,9/8/2010,13)
Effecive date of modified plan, for purposes of property valuation, is the date of modification, not the date of the original plan. Debtors modified plan to reflect what creditors might hope to recover in a Chapter 7 liquidation, as of the date of modification.
Seventh Cir (IN-S)
In re Wright, 444 B.R. 883
(Bankr. S.D. Ind.
)
2010-09-07 - (In re Wright,444 B.R. 883,Bankr. S.D. Ind.,9/7/2010)
Student loan discharge through plan confirmation where creditor did not object. However, court takes a "dim view" of such tactics.
Eighth Cir (MO-W)
In re Lombard, 07-30739
(Bankr. W.D. Mo.
)
2010-09-07 - (In re Lombard,07-30739,Bankr. W.D. Mo.,9/7/2010)
Discharge revoked in case of blatant lying regarding ownership of two vehicles and an extensive jewelry collection.
Eleventh Cir (FL-M)
In re Levin, 434 B.R. 910
(Bankr. S.D. Fla.
)
2010-09-03 - (In re Levin,434 B.R. 910,Bankr. S.D. Fla.,9/3/2010)
Fifth Cir (TX-N)
In re Johnson, 05-38147-BJH-13
(Bankr. N.D.
)
2010-09-02 - (In re Johnson,05-38147-BJH-13,Bankr. N.D.,9/2/2010)
Debtors case opened up after 4 years to get share of Vioxx settlement, even where debtor had no idea he had such a claim at time of filing.
First Cir (MA)
In re Maiorino, 435 B.R. 806
(Bankr.D.Mass.
)
2010-09-01 - (In re Maiorino, 435 B.R. 806 ,Bankr.D.Mass.,9/1/2010,7,Above)
court ordered college expenses of kids allowed as means test expense deduction on form 22A.
Eleventh Cir (FL-S)
In re Estrada, 439 B.R. 227
(Bankr. S.D. Fla.
)
2010-08-31 - (In re Estrada,439 B.R. 227,Bankr. S.D. Fla.,8/31/2010)
Creditor found to be harassing debtor and in violation of stay for threatening to stop reporting mortgage payments to credit bureaus if debtor discharged their personal liability on the loan (i.e. did not sign a reaffirmation agreement), even though creditor does have a legal right to take such action. Wording of letter to debtor found to be threatening in nature.
Follows Jamo v. Katahdin Federal Credit Union, 283 F.3d 392 (1st Cir.2002);
a creditor may engage in post-petition negotiations pertaining to a bankruptcy-related reaffirmation agreement so long as the creditor does not engage in coercive or harassing tactics." 283 F.3d at 399."
Fifth Cir (TX-S)
In re Garrett, 435 B.R. 434
(Bkrtcy.S.D.Tex.
)
2010-08-18 - (In re Garrett, 435 B.R. 434, Bkrtcy.S.D.Tex., 8/18/2010,)
Debtors cannot apply North Carolina Tenancy by Entireties exemption to property located in Texas, because texas does not recognize TBE and such laws are "in rem," that is, they depend on the location of the property not the location of the person claiming the exemption.
Fifth Cir (TX-W)
n re Garrett, 435 B.R. 434
(W.D.TX
)
2010-08-18 - (n re Garrett, 435 B.R. 434, W.D.TX, 8/18/2010)
Like Fernandez, but with a different result. Found that if a person was forced to take another state's exemption, if can apply to property outside that state, even if the state law, only applies to property within the state.
Fourth Cir (VA-E)
In re Jay, 446 B.R. 227
(Bankr.E.D.Virginia
)
2010-08-17 - (In re Jay, 446 B.R. 227, Bankr.E.D.Virginia, 8/17/2010)
Providing a debtor with list of exemptions can amount to UPL in some circumstances. (!!!)
Second Cir (2)
In re Riffle, 617 F.3d 171
(2nd CIr.
)
2010-08-09 - (In re Riffle, 617 F.3d 171, 2nd CIr., 8/9/2010,)
One pay stub (with proper backup documentation) can satisfy the requirements of section 521(a)(1) that asks for "copies of all payment advances or other evidence of payment received within 60 days before the date of filing of the petition"
Fifth Cir (TX-N)
In re Grisham, 436 B.R. 896
(Bankr. N.D.
)
2010-08-07 - (In re Grisham,436 B.R. 896,Bankr. N.D.,8/7/2010,7)
Court refused to approve reaffirmation that imposed undue hardship on debtor where loan was $17K on a $16K truck with an APR of 17.5%, and incime from social security and unemployment not sufficient.
Second Cir (NY-E)
In re Tarone, 434 B.R. 41
(Bankr. E.D.N.Y.
)
2010-07-26 - (In re Tarone,434 B.R. 41,Bankr. E.D.N.Y.,7/26/2010)
Fourth Cir (WV-S)
In re Roy, 09-2972
(Bankr. S.D.W.Va.
)
2010-07-26 - (In re Roy,09-2972,Bankr. S.D.W.Va.,7/26/2010)
"Closing of case did not end bankruptcy court jurisdiction."
Court said: "Because the bankruptcy court had subject matter jurisdiction over the debtor's adversary complaint at the time it was filed, the court has not lost subject matter jurisdiction over the adversary complaint."
Ninth Cir (9-BAP)
n re Penrod, 611 F. 3d 1158
(Court of Appeals 9th Circuit
)
2010-07-16 - (n re Penrod, 611 F. 3d 1158, Court of Appeals 9th Circuit, 7/16/2010,13)
Americredit receives purchase money status for that portion of its collateral not allocable to negative equity. Runs counter to 8 other circuit courts. US Supreme Court denied Cert.on this case.
Second Cir (NY-W)
In re Murphy, 434 BR 67
(Bankr. EW.D.NY
)
2010-07-14 - (In re Murphy,434 BR 67,Bankr. EW.D.NY,7/14/2010)
GM vehicle voucher for laid off employees is exempt
"the voucher is appropriately treated as partial compensation for this loss of future earnings. Accordingly, the voucher is exemptible under the New York Debtor & Creditor Law.
Section 282(3)(iv) states that compensation of loss of future earnings is exempt "to the extent reasonably necessary for the support of the debtor and any dependent of the debtor." In his papers, the trustee has challenged only the exemptible character of the voucher. Giving consideration only to the issue presented, the court will overrule the trustee's objection. To the extent that the trustee may wish now to make a further argument that the voucher is not reasonably necessary for the debtor's support, he may timely move for reconsideration of this decision."
DCCir Cir (DC)
In re Hassen, 432 B.R. 343
(Bankr. D.D.C
)
2010-07-13 - (In re Hassen, 432 B.R. 343, Bankr. D.D.C, 7/13/2010,)
Jiont Filers may not claim federal exemption if unavailable to both spouses.
D.C. Allowed debtor to clam federal exemption, but spouse lived in Virginia, where Federal exemptions are not allowed. Court said that joint filing couple could not claim Federal exemptions. That is, husband could not claim Federal Exemptions because her wife could not.
Tenth Cir (10)
In re Graves, 609 F.3d 1153
(10th Cir.
)
2010-06-29 - (In re Graves,609 F.3d 1153,10th Cir.,6/29/2010)
income tax refunds are property of the estate to the extent they are attributable to prepetition income
Seventh Cir (WI-W)
In re Wirth, 431 BR 209
(Bankr. WD Wisconsin
)
2010-06-28 - (In re Wirth, 431 BR 209, Bankr. WD Wisconsin, 6/28/2010,13)
Given the temporal language used by Congress and despite logical arguments to the contrary, this Court finds itself constrained to adopt the perspective that the statute means precisely what it appears to say. In light of the trustee's objection, the debtors in this case are obligated to pay their "projected disposable income" over a plan that lasts for five years, and the trustee's objection to confirmation must be sustained
Ninth Cir (CA-N)
In re Tran, 431 B.R. 230
(Bankr.N.D.Cal
)
2010-06-25 - (In re Tran, 431 B.R. 230, Bankr.N.D.Cal, 6/25/2010,13)
Third Cir (PA-M)
In re Tabor, 433 B.R. 469 at 476
(Bankr. M.D. Pa.
)
2010-06-18 - (In re Tabor, 433 B.R. 469 at 476, Bankr. M.D. Pa., 6/18/2010)
inherited IRAs are "retirement funds" as that phrase is used in section 522(d)(12). The statute does not explicitly limit "retirement funds" to retirement funds that belong to the debtor.
Cir (US)
Schwab v Reilly, 130 S.Ct. 2652
(Supreme Court
)
2010-06-17 - (Schwab v Reilly, 130 S.Ct. 2652, Supreme Court, 6/17/2010)
Cir (US)
Hamilton v Lanning, 560 U.S. __; 130 S.Ct. 2464
(S.Ct.
)
2010-06-07 - (Hamilton v Lanning, 560 U.S. __; 130 S.Ct. 2464, S.Ct., 6/7/2010, 13)
Seventh Cir (IN-S)
In re Klipsch, 435 B.R. 586
(Bankr.S.D.Ind.
)
2010-06-07 - (In re Klipsch, 435 B.R. 586, Bankr.S.D.Ind., 6/7/2010)
Tenth Cir (10)
In re Crowson, 431 B.R. 484
(Bankr. BAP 10th Cir.
)
2010-05-26 - (In re Crowson, 431 B.R. 484,Bankr. BAP 10th Cir., 5/26/2010)
income tax refunds are property of the estate to the extent they are attributable to prepetition income
Seventh Cir (IL-N)
In re Fenn, 428 B.R. 494; 500
(Bankr. N.D. Ill.
)
2010-05-17 - (In re Fenn, 428 B.R. 494; 500, Bankr. N.D. Ill., 5/17/2010)
Does not follow Tran
Eleventh Cir (11)
In re Tennyson, 611 F.3d 873
(11th Cir.
)
2010-05-16 - (In re Tennyson,611 F.3d 873,11th Cir.,5/16/2010)
Tenth Cir (10)
In re Picht, 428 B.R. 885
(Bankr. 10th Cir.
)
2010-05-04 - (In re Picht,428 B.R. 885,Bankr. 10th Cir.,5/4/2010,13)
Lower court should not have confirmed a chapter 13 plan that required the release of a lien prior to its full payment.
Cir (US)
In re Ransom (Ransom v. MBNA), ___ U.S. ___
(S. Ct.
)
2010-04-19 - (In re Ransom (Ransom v. MBNA), ___ U.S. ___, S. Ct., 4/19/2010,13,Above)
CERT GRANTED IN 9th CIR CASE (AFFIRMED BY S.CT on 1/11/2011)
Above-median income Chapter 13 debtors may not take a Means Test deduction for a vehicle ownership cost if there is no cost associated with ownership of the vehicle. "An 'ownership cost' is not an 'expense' -- either actual or applicable -- if it does not exist, period. Ironic it would be indeed to diminish payments to unsecured creditors in this context on the basis of a fictitious expense not incurred by a debtor,"
Sixth Cir (OH-N)
In re Kuchta, 434 B.R. 837 at 843-44
(Bankr. N.D. Ohio
)
2010-04-16 - (In re Kuchta, 434 B.R. 837 at 843-44, Bankr. N.D. Ohio, 4/16/2010)
The inherited IRA is determined to be property of the estate that is not exempt under state law, but that is exempt under federal law.
Eighth Cir (8)
In re Walker, 427 BR 471
(Bankr. 8th Cir.
)
2010-04-09 - (In re Walker, 427 BR 471, Bankr. 8th Cir., 4/9/2010, 7)
Student Loan hardship discharge finding upheld in Chapter 7 case.
Eighth Cir (8-BAP)
In re Nessa, 426 B.R. 312 at 314
(8th Cir BAP
)
2010-04-09 - (In re Nessa, 426 B.R. 312 at 314, 8th Cir BAP,4/9/2010, )
inherited IRAs are "retirement funds" as that phrase is used in section 522(d)(12).
the statute does not explicitly limit "retirement funds" to retirement funds that belong to the debtor.
Fourth Cir (NC-e)
In re Myers, No. 08-08353-8-RDD
(Bankr.E.D.N.C.
)
2010-04-01 - (In re Myers, No. 08-08353-8-RDD, Bankr.E.D.N.C., 4/1/2010, 7)
Sixth Cir (MI-e)
In re Strausbough, 426 B.R. 243
(Bankr. E.D. Mich.
)
2010-03-26 - (In re Strausbough, 426 B.R. 243, Bankr. E.D. Mich., 3/26/2010, 13)
whether an individual debtor in a chapter 13 case can avoid a junior lien on entireties property. The Court concludes that a debtor can avoid a junior lien in these circumstances.
DCCir Cir (DC)
Burns v. George Basilikas Trust, 599 F.3d 673
(D.C.Cir
)
2010-03-26 - (Burns v. George Basilikas Trust, 599 F.3d 673, D.C.Cir, 3/26/2010, 13)
Seventh Cir (IL-n)
In re Larson, 426 BR 782
(Bankr. N.D.Ill.
)
2010-03-25 - (In re Larson, 426 BR 782, Bankr. N.D.Ill., 3/25/2010,)
Middle aged debtor incurred student loan debt between 1991 and 1993. By 1993, he was going blind, and was completely blind by 1998. By 2004, after major health issues (heart attack and failed kidneys), and inability to work more than 28 hours per week (on doctor's orders), debtor filed for relief, and the court permitted a hardship discharge for debtor's student loans.
Second Cir (CT)
In re Pelkey, 434 B.R. 26
(Bankr D. Connecticut
)
2010-03-25 - (In re Pelkey, 434 B.R. 26, Bankr D. Connecticut, 3/25/2010,13)
discusses split within 2nd circuit and decides in favor of allowing the expense deduction.
Debtors, who own two vehicles for which they are making no loan or lease payments, are entitled to deduct $978, the amount shown in the IRS Standards, in calculating the projected disposable income to be applied under their Plan to paying unsecured creditors.
Sixth Cir (6)
In re Westfall, 599 F.3d 498
(6th Cir.
)
2010-03-24 - (In re Westfall, 599 F.3d 498, 6th Cir., 3/24/2010, 13)
Ninth Cir (ID)
In re Grimmett, No. 09-40642-JDP
(Bankr. D.Idaho
)
2010-03-24 - (In re Grimmett, No. 09-40642-JDP, Bankr. D.Idaho, 3/24/2010)
Fourth Cir (NC-W)
In re Siler, 426 B.R. 167
(Bankr. W.D.N.C.
)
2010-03-23 - (In re Siler,426 B.R. 167,Bankr. W.D.N.C., 3/23/2010,7)
court allowed a debtor whose monthly disposable income created the presumption of abuse under the means test to remain in chapter 7 since the creditors would not receive any distribution under a chapter 13 plan.
Cir (CA-e20)
In re Lavilla, 425 B.R. 572
(Bankr. E.D.Cal.
)
2010-03-23 - (In re Lavilla, 425 B.R. 572, Bankr. E.D.Cal., 3/23/2010, 13)
Fourth Cir (NC-e)
In re Thelen, 431 B.R. 601
(Bankr. E.D.N.C.
)
2010-03-23 - (In re Thelen, 431 B.R. 601, Bankr. E.D.N.C., 3/23/2010)
Tenth Cir (10)
In re Wodark, 425 BR 834
(Bankr. 10th Cir.
)
2010-03-22 - (In re Wodark, 425 BR 834, Bankr. 10th Cir., 3/22/2010)
Tenth Cir (NM)
In re Cleaver, 426 B.R. 390
(Bankr.D.N.M.
)
2010-03-22 - (In re Cleaver, 426 B.R. 390, Bankr.D.N.M., 3/22/2010, 13, Above)
Tenth Cir (NM)
In re Keenan, No. 13-05-21229 SA
(Bankr. D.N.M.
)
2010-03-22 - (In re Keenan, No. 13-05-21229 SA, Bankr. D.N.M., 3/22/2010)
First Cir (MA)
In re McLaughlin, No. 09-44714-JBR
(Bankr. D.Mass.
)
2010-03-18 - (In re McLaughlin, No. 09-44714-JBR, Bankr. D.Mass., 3/18/2010, 13)
Seventh Cir (IL-N)
American Express Cneturion Bank v. Kanan (In re Kanan, No. 09-33071
(Bankr. N.D. Ill.
)
2010-03-18 - (American Express Cneturion Bank v. Kanan (In re Kanan, No. 09-33071, Bankr. N.D. Ill., 3/18/2010, 7)
Eleventh Cir (GA-S)
In re Fullwood, Case No. 07-41115
(Bankr. S.D. Ga.
)
2010-03-17 - (In re Fullwood, Case No. 07-41115 , Bankr. S.D. Ga., 3/17/2010,13 )
Georgia exemptions that are older than BK-only exemptions may still be used even though there are bk-only exemptions.
Fourth Cir (NC-m)
In re Genevicz, No. 09-11993
(Bankr. M.D.N.C.
)
2010-03-15 - (In re Genevicz, No. 09-11993, Bankr. M.D.N.C., 3/15/2010, 13)
Fourth Cir (NC-m)
In re Stanley, Case No. 09-11720
(Bankr. M.D.N.C.
)
2010-03-15 - (In re Stanley, Case No. 09-11720 , Bankr. M.D.N.C., 3/15/2010, 13)
Sixth Cir (MI-e)
In re Chubb, 426 B.R. 695
(Bankr. E.D.Mich.
)
2010-03-15 - (In re Chubb, 426 B.R. 695,Bankr. E.D.Mich., 3/15/2010, 13)
Sixth Cir (OH-s)
In re Mohr, 425 BR 457
(Bankr. S.D.Ohio
)
2010-03-15 - (In re Mohr, 425 BR 457, Bankr. S.D.Ohio, 3/15/2010, 7)
Debtors had a business lease that they defaulted on during the process of filing for Chapter 7 relief. The court held that the amount owed on this defaulted lease gave debtors primarily business debts (their business debts exceeded their consumer debts).
The landlord and the trustee objected, saying that the amount of business debt should be capped under Section 502(b)(6). The court disagreed, saying that "the Section 502(b)(6) cap is only activated by optional and unpredictable post-petition bankruptcy events, [and therefore] the court concludes it is not appropriately applied to threshold inquiries that are focused on the initial schedules and the calculation of debt existing on the date of the bankruptcy filing."
Tenth Cir (10)
In re Bryner, 425 B.R. 601
(Bankr. 10th Cir. Cir.
)
2010-03-15 - (In re Bryner, 425 B.R. 601, Bankr. 10th Cir. Cir., 3/15/2010, 13)
Second Cir (NY-S)
In re Emanuel, 422 B.R. 453
(Bankr. S.D.N.Y.
)
2010-03-12 - (In re Emanuel, 422 B.R. 453 , Bankr. S.D.N.Y., 3/12/2010)
Lawyer was sanctioned for vexatious litigation when he filed a motion that the court found was taken in order to collaterally attack a court-approved settlement.
Second Cir (NY-e)
In re Cotto, 425 BR 72
(Bankr. E.D.N.Y.
)
2010-03-12 - (In re Cotto, 425 BR 72, Bankr. E.D.N.Y., 3/12/2010,7)
Fourth Cir (NC-e)
In re Calderon, No. 09-09723-8-JRL
(Bankr. E.D.N.C.
)
2010-03-12 - (In re Calderon, No. 09-09723-8-JRL, Bankr. E.D.N.C., 3/12/2010)
Fourth Cir (NC-e)
In re Daniels, 09-02547-8-JRL
(Bankr. E.D.N.C.
)
2010-03-12 - (In re Daniels, 09-02547-8-JRL, Bankr. E.D.N.C., 3/12/2010, 13)
Fourth Cir (NC-m)
In re Hornung, 425 BR 242
(Bankr. M.D.N.C.
)
2010-03-11 - (In re Hornung, 425 BR 242, Bankr. M.D.N.C., 3/11/2010, 7)
Debtors were above median income. Form B22 listed debtors' monthly disposable income as negative $571, so there was no presumption of abuse. However, the court found that debtors' filing a Chapter 7 closely after expensive purchases was in bad faith and abusive under Section 707(b) totality of the circumstances. Specifically, debtors bought a home they couldn't afford, two expensive cars, and a vacation timeshare, all on the eve of bankruptcy.
The court found, upon readjusting debtor's income and expenses to account for post-petition events, that debtors could fully repay their unsecured creditors through Chapter 13.
Fifth Cir (TX-w)
In re Aclin, No. 06-11730-CAG
(Bankr. W.D. Tex.
)
2010-03-11 - (In re Aclin, No. 06-11730-CAG, Bankr. W.D. Tex., 3/11/2010)
Cir (MI-s)
McKenzie v. Biloxi Internal Medicine Clinic, No. 08-51929-NPO
(Bankr. S.D. Miss.
)
2010-03-10 - (McKenzie v. Biloxi Internal Medicine Clinic, No. 08-51929-NPO , Bankr. S.D. Miss., 3/10/2010, 13)
Ninth Cir (CA-n)
In re Lumidao, No. 09-32762 SFC
(Bankr. N.D.Cal
)
2010-03-10 - (In re Lumidao, No. 09-32762 SFC, Bankr. N.D.Cal, 3/10/2010)
Eleventh Cir (AL-n)
In re Bartel, No. 09-40154-JJR-7
(Bankr. N.D.Ala.
)
2010-03-10 - (In re Bartel, No. 09-40154-JJR-7, Bankr. N.D.Ala., 3/10/2010, 7, Below)
Fifth Cir (TX-n)
In re Cooper, No. 99-32282-SGJ-7
(Bankr. N.D.Tex.
)
2010-03-10 - (In re Cooper, No. 99-32282-SGJ-7, Bankr. N.D.Tex., 3/10/2010, 7)
Eighth Cir (IA-n)
In re Pfeiler, No. 09-02815
(Bankr. N.D.Iowa
)
2010-03-10 - (In re Pfeiler, No. 09-02815, Bankr. N.D.Iowa, 3/10/2010)
Third Cir (PA-w)
In re Rogel, 425 B.R. 231
(Bankr. W.D.Pa.
)
2010-03-09 - (In re Rogel, 425 B.R. 231, Bankr. W.D.Pa., 3/9/2010)
Fifth Cir (TX-e)
In re Young, 425 B.R. 811
(Bankr.E.D.Tex.
)
2010-03-08 - (In re Young, 425 B.R. 811, Bankr.E.D.Tex., 3/8/2010)
Ninth Cir (CA-e)
In re Roderick, 425 B.R. 556
(Bankr. E.D.Cal.
)
2010-03-08 - (In re Roderick, 425 B.R. 556, Bankr. E.D.Cal., 3/8/2010, 7)
Second Cir (NY-n)
In re Alexander, 432 B.R. 41
(Bankr. N.D.N.Y.
)
2010-03-05 - (In re Alexander, 432 B.R. 41, Bankr. N.D.N.Y., 3/5/2010)
Ninth Cir (MT)
In re Didier, No. 07-60849-7
(Bankr. D. Mont.
)
2010-03-05 - (In re Didier, No. 07-60849-7, Bankr. D. Mont., 3/5/2010)
Third Cir (NJ)
In re Etoll, 425 B.R. 743
(Bankr.D.N.J.
)
2010-03-05 - (In re Etoll, 425 B.R. 743, Bankr.D.N.J., 3/5/2010, 7 )
Fourth Cir (SC)
In re Boston, No. 09-09099-JW
(Bankr. D.S.C.
)
2010-03-05 - (In re Boston, No. 09-09099-JW,Bankr. D.S.C., 3/5/2010, 13)
Fifth Cir (TX-e)
In re Chilton, 426 B.R. 612
(Bankr. E.D.Tex.
)
2010-03-05 - (In re Chilton, 426 B.R. 612, Bankr. E.D.Tex., 3/5/2010, 13)
Inherited funds from debtor's mother's IRA account were not exempt under Section 522(d)(12). (Overruled by 5th Circuit, March 2012)
Sixth Cir (MI-e)
In re Turner, No. 09-53722-wsd
(Bankr. E.D.Mich.
)
2010-03-05 - (In re Turner, No. 09-53722-wsd, Bankr. E.D.Mich., 3/5/2010, 7)
Penalty for receiving unemployment benefits while still employed was non-dischargeable. The court said, "The debt arose from a penalty for wrongfully receiving unemployment benefits. It is not compensation for the actual pecuniary loss (which was covered by the ordered repayment of the [benefit amount] received; it is payable to a governmental unit... and it is for the benefit of that governmental unit."
Tenth Cir (NM)
In re Kline, No. 13-05-12174 JS
(Bankr. D.N.M.
)
2010-03-04 - (In re Kline, No. 13-05-12174 JS, Bankr. D.N.M., 3/4/2010, 13)
Fifth Cir (TX-w)
In re Doyal, No. 09-10114-CAG
(Bankr. W.D. Tex.
)
2010-03-04 - (In re Doyal, No. 09-10114-CAG , Bankr. W.D. Tex., 3/4/2010)
Ninth Cir (MT)
In re Lasley, No. 08-60713-13
(Bankr.D. Mont.
)
2010-03-04 - (In re Lasley, No. 08-60713-13, Bankr.D. Mont., 3/4/2010, 13)
Ninth Cir (MT)
In re Prigge, Case No. 09-61545-13
(Bankr. D. Mont.
)
2010-03-04 - (In re Prigge, Case No. 09-61545-13, Bankr. D. Mont., 3/4/2010)
Third Cir (PA-m)
In re Shumac, 425 B.R. 139
(Bankr.M.D.Pa.
)
2010-03-04 - (In re Shumac, 425 B.R. 139, Bankr.M.D.Pa., 3/4/2010)
Third Cir (PA-e)
In re Fowler, No. 07-11692ELF
(Bankr. E.D.Pa.
)
2010-03-03 - (In re Fowler, No. 07-11692ELF, Bankr. E.D.Pa., 3/3/2010, 13)
Fourth Cir (NC-m)
In re Garner, No. 09-81998
(Banrk.M.D.N.C.
)
2010-03-03 - (In re Garner, No. 09-81998, Banrk.M.D.N.C., 3/3/2010)
Fourth Cir (SC)
In re Brown, 428 B.R. 672
(Bankr. D.S.C.
)
2010-03-02 - (In re Brown, 428 B.R. 672, Bankr. D.S.C., 3/2/2010, 13)
Sixth Cir (MI-E)
In re Olson, 424 B.R. 770
(Bankr. E.D.Mich.
)
2010-03-01 - (In re Olson, 424 B.R. 770, Bankr. E.D.Mich., 3/1/2010, 7)
Debtor and her spouse are co-owners of the annuity, and their children are listed as beneficiaries. Court ruled that exemption Mich. Comp. Laws Section 500.4054 did not protected annuity owners against creditor claims against the non-beneficiary owners of the annuity.
"A straightforward reading of [Mich. Comp. Laws Section 500.4054] discloses that it does not protect the insured against claims his or her creditors make on the proceeds of the insurance or annuity fund. Rather, the statute protects the insurer from claims that beneficiaries' creditors make on the proceeds of the fund. This statute does not allow Debtor, the 'insured,' to exempt her interest in the annuity."
Seventh Cir (7)
Howard v. AmeriCredit Fin. Servs. (In re Howard), 597 F.3d 852
(7th Cir.
)
2010-03-01 - (Howard v. AmeriCredit Fin. Servs. (In re Howard), 597 F.3d 852, 7th Cir., 3/1/2010,13)
"[A] purchase money security interest includes 'obligations for expenses incurred in connection with acquiring rights in the collateral' - and that seems a pretty good description of negative equity."
The court did not permit cram-down of the amount of the loan used to pay off an old loan on a trade-in vehicle.
Seventh Cir (7)
In re Howard, 597 F.3d 852
(7thCir.
)
2010-03-01 - (In re Howard,597 F.3d 852,7thCir.,3/1/2010)
Seventh Cir (WI-e)
In re Nunez, No. 09-32442-mdm
(Bankr. E.D.Wis.
)
2010-03-01 - (In re Nunez, No. 09-32442-mdm, Bankr. E.D.Wis., 3/1/2010, 13,Below)
below median income debtor proposed using tax refund to shorten plan to 3 years. Trustee objects noting that longer plan would help creditors by extending payments from tax refund. Court agrees with trustee, rejects plan.
Second Cir (NY-s)
In re Minbatiwalla, 424 BR 104
(Bankr. S.D.N.Y.
)
2010-03-01 - (In re Minbatiwalla, 424 BR 104, Bankr. S.D.N.Y., 3/1/2010)
Fourth Cir (NC-e)
In re Hamlin, No. 09-05272-8-SWH
(Bankr. E.D.N.C.
)
2010-03-01 - (In re Hamlin, No. 09-05272-8-SWH, Bankr. E.D.N.C., 3/1/2010, 13)
Eleventh Cir (GA-m)
In re Coulter, No. 09-50458 RFH
(Bankr. M.D.Ga.
)
2010-02-25 - (In re Coulter, No. 09-50458 RFH, Bankr. M.D.Ga., 2/25/2010, 7)
Eighth Cir (MO-W)
In re Rowles, No. 08-21567-DRD-7
(Bankr. W.D.Mo.
)
2010-02-24 - (In re Rowles, No. 08-21567-DRD-7, Bankr. W.D.Mo., 2/24/2010, 7)
First Cir (MA)
In re Rodrigues, Case No. 09-11960-JNF
(Bankr. D.Mass.
)
2010-02-23 - (In re Rodrigues, Case No. 09-11960-JNF, Bankr. D.Mass., 2/23/2010, 7)
Debtor's home placed in a Living Trust had a valid homestead exemption.
Second Cir (NY-E)
In re Pomilio, 425 BR 11
(Bankr. E.D.N.Y.
)
2010-02-23 - (In re Pomilio, 425 BR 11, Bankr. E.D.N.Y., 2/23/2010, 7)
Unsecured junior mortgage liens on debtors' homes may not be stripped off using section 506 in a Chapter 7 case.
Ninth Cir (AZ)
In re Chavez, 430 B.R. 890
(Bankr. D.Ariz.
)
2010-02-23 - (In re Chavez, 430 B.R. 890, Bankr. D.Ariz., 2/23/2010, 7)
Cir (US)
United Student Aid Funds Inc. v. Espinosa, 559 U.S. ___
(US Supreme Court
)
2010-02-23 - (United Student Aid Funds Inc. v. Espinosa, 559 U.S. ___, US Supreme Court, 2/23/2010, 13)
Although the Court found the failure to comply with §§ 523(a)(8) and 1328(a) before confirming the plan was "legal error," that error did not rise to the level necessary to void a final judgment. This was especially so as the creditor had actual notice and was not permitted to "sleep on its rights."
Importantly, the Court disagreed with the Ninth Circuit's view that a bankruptcy court could confirm a plan which would discharge a student loan without an adversary proceeding so long as the creditor did not object.
Fifth Cir (TX-S)
In re Ramirez, No. 09-70051
(Bankr. S.D. Tex.
)
2010-02-22 - (In re Ramirez, No. 09-70051, Bankr. S.D. Tex., 2/22/2010, 7)
Eighth Cir (MO-E)
In re Sullivan, 423 B.R. 881
(Bankr. E.D. Mo.
)
2010-02-22 - (In re Sullivan, 423 B.R. 881, Bankr. E.D. Mo., 2/22/2010)
Sixth Cir (MI-W)
In re Fleming, 424 BR 795
(Bankr. W.D.Mich.
)
2010-02-19 - (In re Fleming, 424 BR 795, Bankr. W.D.Mich., 2/19/2010, 7)
First Cir (MA)
In re Abramowitz, No. 08-42847-JBR
(Bankr.D.Mass.
)
2010-02-18 - (In re Abramowitz, No. 08-42847-JBR, Bankr.D.Mass., 2/18/2010)
Debts from reckless or negligent infliction of injuries do not fall into the "willful and malicious" language of 523(a)(6).
Eighth Cir (IA-N)
In re Timmer, 423 BR 870
(Bankr. N.D. Iowa
)
2010-02-17 - (In re Timmer, 423 BR 870, Bankr. N.D. Iowa, 2/17/2010, 13)
Tenth Cir (KS)
In re Abram, No. 09-20877
(Bankr.D.Kan.
)
2010-02-17 - (In re Abram,No. 09-20877 , Bankr.D.Kan., 2/17/2010)
Seventh Cir (IL-C)
In re Sanders, Case No. 09-91176
(Bankr. C.D.Ill.
)
2010-02-16 - (In re Sanders, Case No. 09-91176, Bankr. C.D.Ill., 2/16/2010, 13)
Fourth Cir (NC-m)
In re Bradsher, Case No. 09-80942.
(Bankr. M.D.N.C.
)
2010-02-16 - (In re Bradsher, Case No. 09-80942., Bankr. M.D.N.C., 2/16/2010,13)
security interest in escrow account (as personal property) enough to remove home from anti modification protection of 1322(b)(2) allow cramdown of home
Fourth Cir (NC-m)
In re Bradsher, 427 B.R. 386
(Bankr. M.D.N.C
)
2010-02-16 - (In re Bradsher,427 B.R. 386 , Bankr. M.D.N.C, 2/16/2010)
Ninth Cir (CA-N)
In re Otero, No. 09-71420-TG
(Bankr. N.D.Cal.
)
2010-02-12 - (In re Otero, No. 09-71420-TG, Bankr. N.D.Cal., 2/12/2010, 13)
Tenth Cir (KS)
In re Buckland, 424 B.R. 883
(Bankr. D.Kan.
)
2010-02-12 - (In re Buckland, 424 B.R. 883, Bankr. D.Kan., 2/12/2010, 7)
Eleventh Cir (AL-N)
In re Darnell, BK 08-72432-CMS-7
(Bankr. N.D. Ala.
)
2010-02-12 - (In re Darnell, BK 08-72432-CMS-7, Bankr. N.D. Ala., 2/12/2010, 7)
Sixth Cir (KY-W)
In re Hettinger, No. 09-35798(1)(7)
(Bankr. W.D.Ky.
)
2010-02-11 - (In re Hettinger, No. 09-35798(1)(7), Bankr. W.D.Ky., 2/11/2010, 7)
Ninth Cir (CA-N)
In re Vallejo, No. 08-56732-MM
(Bankr. N.D. Cal.
)
2010-02-09 - (In re Vallejo, No. 08-56732-MM, Bankr. N.D. Cal., 2/9/2010, 13)
Ninth Cir (9)
Sternberg v. Johnston, 595 F.3d 937
(9th Cir. 2010
)
2010-02-08 - (Sternberg v. Johnston, 595 F.3d 937, 9th Cir. 2010, 2/8/2010)
Tenth Cir (NM)
In re Martin, 424 B.R. 496
(Bankr. D.N.M.
)
2010-02-08 - (In re Martin, 424 B.R. 496, Bankr. D.N.M., 2/8/2010)
Third Cir (PA-M)
In re Miller, No. 1:09-bk-03336-MDF
(Bankr. M.D.Pa.
)
2010-02-05 - (In re Miller, No. 1:09-bk-03336-MDF, Bankr. M.D.Pa., 2/5/2010, 13)
Debtor's alimony award from a divorce decree was exempt.
Eleventh Cir (AL-n)
In re Wheeler, No. 09-41866-JJR-13
(Bankr. N.D.Ala.
)
2010-02-05 - (In re Wheeler, No. 09-41866-JJR-13, Bankr. N.D.Ala., 2/5/2010)
Sixth Cir (6)
Cassim v. Educ. Credit Mgmt. (In re Cassim), 594 F.3d 432
(6th Cir.
)
2010-02-04 - (Cassim v. Educ. Credit Mgmt. (In re Cassim),594 F.3d 432, 6th Cir., 2/4/2010)
when may hardship discharge be ruled upon. must wait for discharge?
Fourth Cir (NC-E)
In re Forkish, No. 09-06373-8-SWH
(Bankr. E.D.N.C.
)
2010-02-02 - (In re Forkish, No. 09-06373-8-SWH, Bankr. E.D.N.C., 2/2/2010)
Ninth Cir (ID)
In re Urwin, No. 09-01921-JDP
(Bankr. D Idaho
)
2010-02-02 - (In re Urwin, No. 09-01921-JDP, Bankr. D Idaho, 2/2/2010)
Ninth Cir (OR)
In re Valiquette, No. 09-64167-fra13
(Bankr. D.Or.
)
2010-02-02 - (In re Valiquette, No. 09-64167-fra13, Bankr. D.Or., 2/2/2010, 13)
Ninth Cir (ID)
In re Amidon, 423 BR 546
(Bankr.D.Idaho
)
2010-02-02 - (In re Amidon, 423 BR 546, Bankr.D.Idaho, 2/2/2010, 13, Above)
the Court prefers the common-sense interpretation given to the Code in Smith, an approach that is seemingly encouraged in Ransom, albeit arguably at odds with the more mechanical application of the Code adopted earlier by the court of appeals in Kagenveama. In other words, like in Smith, Debtors have determined that their home is not reasonably necessary for their support by virtue of their decision to surrender it through their plan. Because the Code dictates that only reasonably necessary expenses may be deducted, Debtors should not be able to deduct phantom first and second mortgage payments when calculating their monthly disposable income. Simply put, like the Ransom court, this Court declines to allow Debtors to significantly reduce payments to their unsecured creditors based upon fictitious expenses.
Second Cir (NY-E)
In re Abir, No. 08-70566-478
(Bankr. E.D.N.Y.
)
2010-02-01 - (In re Abir, No. 08-70566-478, Bankr. E.D.N.Y., 2/1/2010, 7)
Debtor's federal income tax liability was excepted from discharge under Section 523(a)(1) and 507(a)(8)(A).
First Cir (RI)
In re Thompson, 09-12293
(Bankr. D.R.I.
)
2010-01-28 - (In re Thompson, 09-12293, Bankr. D.R.I., 1/28/2010, 13)
Here, the debtor objected to reimbursing a secured creditor for the legal fees for filing a proof of claim. The court agreed, and found that filing the proof of claim could have been done by the creditor's clerical staff (not their attorney).
Sixth Cir (6)
B-Line LLC v. Wingerter (In re Wingerter), 594 F.3d 931
(6th Cir.
)
2010-01-25 - (B-Line LLC v. Wingerter (In re Wingerter), 594 F.3d 931, 6th Cir., 1/25/2010)
Sixth Cir (6)
In re Wingerter, 594 F.3d 931
(6th Cir
)
2010-01-25 - (In re Wingerter, 594 F.3d 931 , 6th Cir, 1/25/2010)
Fourth Cir (NC-M)
In re Harrison, Case No. 09-51072
(M.D.N.C
)
2010-01-25 - (In re Harrison, Case No. 09-51072, M.D.N.C, 1/25/2010,7)
No Chapter 7 means test deduction for retirement loan repayment
Fourth Cir (VA-E)
In re Grubb, Case No. 07-30253-KRH.
(Bankr.E.D.Virginia
)
2010-01-25 - (In re Grubb,Case No. 07-30253-KRH.,Bankr.E.D.Virginia, 1/25/2010, 13)
Attorneys not allowed to charge in excess of 3K "no-look fee" for chapter 13 case
Second Cir (CT)
Jackson v. Novak (In re Jackson), 593 F.3d 171
(2nd Cir. Conn.
)
2010-01-22 - (Jackson v. Novak (In re Jackson),593 F.3d 171, 2nd Cir. Conn., 1/22/2010)
Second Cir (2)
In re Jackson, 593 F.3d 171
(2nd Cir
)
2010-01-22 - (In re Jackson, 593 F.3d 171, 2nd Cir, 1/22/2010)
Federal wages exemption 522(d)(11)(E) only exempts wages that are postpetition and necessary for support. Here debtor claimed as exempt and entire 135K wrongful termination settlement as exempt wages. Court held that amount was exempt only to the extent that it was for postpetition earnings, and then only to the extent needed for support.
2
Second Cir (NY-E)
In re Rabener, 424 B.R. 36
(Bankr.E.D.N.Y.
)
2010-01-21 - (In re Rabener, 424 B.R. 36, Bankr.E.D.N.Y., 1/21/2010,13)
Debtor in this case not permitted to deduct a $489 ownership or lease expense for each of two vehicles for which she does not have a monthly loan or lease payment obligation.
Eleventh Cir (FL-S)
In re Garcia, Case No. 09-28603-BKC-RBR.
(Bankr.SD Florida
)
2010-01-21 - (In re Garcia, Case No. 09-28603-BKC-RBR., Bankr.SD Florida, 1/21/2010)
Eleventh Cir (GA-m)
In re Heglar, No. 09-51077
(Bankr.M.D.Ga.
)
2010-01-20 - (In re Heglar, No. 09-51077, Bankr.M.D.Ga., 1/20/2010)
Eleventh Cir (GA-m)
In re Strange, 424 B.R. 584
(Bankr. M.D. Ga.
)
2010-01-20 - (In re Strange, 424 B.R. 584, Bankr. M.D. Ga., 1/20/2010)
Third Cir (PA-w)
In re Law, 421 B.R. 735
(Bankr. W.D. Pa.
)
2010-01-19 - (In re Law, 421 B.R. 735, Bankr. W.D. Pa., 1/19/2010)
Ninth Cir (ID)
IN RE URWIN, Case No. 07-01104-TLM
(Bankruptcy D. Idaho
)
2010-01-14 - (IN RE URWIN,Case No. 07-01104-TLM ,Bankruptcy D. Idaho, 1/14/2010)
Upon the foregoing, the Court concludes that the unpaid legal fees for services rendered and costs incurred before July 16, 2007, totaling $10,924.38, constituted an unmatured prepetition debt subject to Debtor's discharge. Thompson's continuing efforts to collect those fees through state court litigation, after she was made aware of the discharge injunction, violated the injunction and placed Thompson in contempt of this Court's Order of Discharge. Sanctions will be imposed against Thompson in the amount of $2,300.00 to compensate Debtor.
Third Cir (PA-E)
In re Reid, 423 B.R. 726
(Bankr.E.D.Pa
)
2010-01-13 - (In re Reid, 423 B.R. 726, Bankr.E.D.Pa, 1/13/2010,13,)
Debtor has right to possession of car that was repossessed before the bankruptcy filing but had not yet been sold. A majority of courts have held that Ch.13 debtors are entitled to possession if they can post adequate protection of the asset.
First Cir (MA)
In re McComber, 422 B.R. 334
(D.Mass
)
2010-01-12 - (In re McComber, 422 B.R. 334, D.Mass, 1/12/2010)
Debtor could amend filing to switch from Federal to state homestead exemption, but was limited by MA homestead law to the parcel that was described in the declaration of homestead, which did not include his adjoining parcel.
Fourth Cir (WV-N)
IN RE SHAW, Case No. 09-219
(Bankr. ND West Virginia
)
2010-01-11 - (IN RE SHAW, Case No. 09-219,Bankr. ND West Virginia, 1/11/2010)
Fourth Cir (4)
Daimler Chrysler Financial Services v. Jones, 591 F.3d. 308
(4th Cir.
)
2010-01-11 - (Daimler Chrysler Financial Services v. Jones, 591 F.3d. 308 , 4th Cir., 1/11/2010, )
Ride through not available if debtor fails to state whether he intends to redeem or reaffirm.
Seventh Cir (IL-N)
In re Boliaux, 422 B.R. 125
(Bankr. N.D. Ill.
)
2010-01-08 - (In re Boliaux, 422 B.R. 125 , Bankr. N.D. Ill., 1/8/2010, 7)
Ninth Cir (CA-N)
In re Alcon, No. 09-41608 TK
(Bankr. N.D.Cal.
)
2010-01-08 - (In re Alcon, No. 09-41608 TK, Bankr. N.D.Cal., 1/8/2010, 7)
First Cir (MA)
In re Bronsdon, 435 B.R. 791
(D.Mass
)
2010-01-08 - (In re Bronsdon, 435 B.R. 791, D.Mass, 1/8/2010, )
65 year old debtor need not participate in ICRP student loan payment modifications to qualify for hardship discharge. Although good faith is required, ICRP participation is not, pre se, a requirement to show good faith, and was not required under the facts of this case.
Fourth Cir (NC-M)
In re Chanthaleukay, 20 CDN 389
(M.D.N.C
)
2010-01-07 - (In re Chanthaleukay, 20 CDN 389, M.D.N.C, 1/7/2010,13)
Proposed Chapter 20 plan was not in good faith where, had the debtors not filed a Chapter 7 that wiped out their credit card debt, the subsequent chapter 13 could have paid the unsecured creditors $316 per month. Court said this was a bad faith manipulation of the process.
Ninth Cir (9)
Leff v. Herrera (In re Herrera), 422 BR 698
(BAP 9th Cir.
)
2010-01-05 - (Leff v. Herrera (In re Herrera), 422 BR 698, BAP 9th Cir., 1/5/2010, 13)
Fifth Cir (TX-N)
In re Powell, 423 B.R. 201
(Bankr. N.D.Tex.
)
2010-01-05 - (In re Powell, 423 B.R. 201 , Bankr. N.D.Tex., 1/5/2010, 7)
Fourth Cir (MD)
In re Wick, 421 B.R. 206
(Bankr.D.Maryland
)
2010-01-05 - (In re Wick, 421 B.R. 206, Bankr.D.Maryland,1/5/2010, 13, Above, Case No. 08-11530DK)
Absent evidence of a change in circumstances, court will not adjust "projected disposable income" to be different from the "disposable income" determined by form 22C simply because payments trustee thinks expenses are beyond debtors' reasonable needs.
No "bad faith" found where Ch 13 debtors were living in home with $4,856 monthly mortgage payments (4.7x times the IRS allowance)
Remarkably generous case.
Ninth Cir (WA-E)
In re Hageney, 422 B.R. 254
(Bankr. E.D.Wash.
)
2009-12-31 - (In re Hageney, 422 B.R. 254 , Bankr. E.D.Wash., 12/31/2009, 13)
Second Cir (NY-W)
In re Daniel-Sanders, 420 B.R. 102
(Bankr. W.D.N.Y.
)
2009-12-30 - (In re Daniel-Sanders, 420 B.R. 102 , Bankr. W.D.N.Y., 12/30/2009, 13)
Second Cir (NY-W)
In re Daniel-Sanders, 420 B.R. 102
(Bankr.W.D.New York
)
2009-12-30 - (In re Daniel-Sanders,420 B.R. 102,Bankr.W.D.New York,12/30/2009,13,Below)
Single debtor with kids was allowed to deduct expenses for two cars because she left one for her father to provide child care for her kids while she went to work with the other car. However, debtor could not reaffirm debt of 27K on car worth only 12K -- must surrender and find cheaper replacement for that car for less than 16K.
Sixth Cir (TN-E)
In re Parrott, Case No. 09-15726
(Bankr. E.D.Tenn.
)
2009-12-29 - (In re Parrott, Case No. 09-15726, Bankr. E.D.Tenn., 12/29/2009, 13)
Cir (MI-N)
In re Grafton, 421 B.R. 765
(Bankr.N.D.Miss.
)
2009-12-23 - (In re Grafton, 421 B.R. 765 , Bankr.N.D.Miss., 12/23/2009, 13)
Sixth Cir (MI-E)
In re Hunt, No. 09-61845-wsd
(Bankr. E.D. Mich.
)
2009-12-22 - (In re Hunt, No. 09-61845-wsd, Bankr. E.D. Mich., 12/22/2009, 7)
Sixth Cir (MI-W)
In re Pontius, --- B.R. ----; 2009 WL 5245631
(Bkrtcy.W.D.Mich.
)
2009-12-22 - (In re Pontius, --- B.R. ----; 2009 WL 5245631, Bkrtcy.W.D.Mich.,12/22/2009,,)
Michigan bankruptcy exemptions held unconstitutional (at least by this lone judge), preempted by federal law.
Yet another whacked-out decision from the W.D. of Michigan flying in the face of established case law and constitutional theory. Presumably will be overruled some day, If challenged.
Tenth Cir (KS)
In re Curry, 425 B.R. 841
(Bankr. D.Kan.
)
2009-12-22 - (In re Curry, 425 B.R. 841, Bankr. D.Kan., 12/22/2009, 13)
Fourth Cir (VA-E)
In re Cacamise, Case No. 09-17165-SSM.
(Bankr.E.D.Virgina
)
2009-12-22 - (In re Cacamise, Case No. 09-17165-SSM., Bankr.E.D.Virgina,12/22/2009,13,Below)
Chapter 13 debtor could discriminate in favor of full payment credit card debt so she could keep card for her real estate business, where $771 balance was a good deal to retain a credit limit of 13K, essential for her real estate business
Eighth Cir (AR-W)
In re Stewart (Williams - Trustee v. PMorgan Chase Bank), 422 B.R. 185
(Bankr. W.D.Ark.
)
2009-12-21 - (In re Stewart (Williams - Trustee v. PMorgan Chase Bank), 422 B.R. 185 , Bankr. W.D.Ark., 12/21/2009)
Tenth Cir (KS)
In re Phillips (Morris - Trustee v. PHH Mortgage Services), 420 B.R. 530
(Bankr. D.Kan.
)
2009-12-21 - (In re Phillips (Morris - Trustee v. PHH Mortgage Services), 420 B.R. 530 , Bankr. D.Kan., 12/21/2009, 7)
Ninth Cir (9-BAP)
Sticka v. Applebaum (In re Applebaum), 422 B.R. 684
(BAP 9th Cir.
)
2009-12-18 - (Sticka v. Applebaum (In re Applebaum), 422 B.R. 684, BAP 9th Cir., 12/18/2009,7)
Ninth Cir (9-BAP)
In re Applebaum, 422 BR 684
(9th Cir. BAP
)
2009-12-18 - (In re Applebaum, 422 BR 684, 9th Cir. BAP, 12/18/2009,,)
California's "bankruptcy only" exemption scheme is constitutional and is not pre-empted by Federal law.
AFFRIMING ,IN RE APPLEBAUM, Bankruptcy Court, D. Oregon 2009
Ninth Cir (MT)
In re Jarvar, 422 B.R. 242
(Bankr.D.Mont.
)
2009-12-18 - (In re Jarvar, 422 B.R. 242 , Bankr.D.Mont., 12/18/2009, 13)
Eleventh Cir (GA-M)
In re Altman, No.: 09-70328-JTL
(Bankr. M.D. Ga.
)
2009-12-18 - (In re Altman, No.: 09-70328-JTL, Bankr. M.D. Ga., 12/18/2009)
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]."
Fourth Cir (VA-E)
In re Avellaneda, No. 09-18106-SSM
(Bankr. E.D.Va.
)
2009-12-16 - (In re Avellaneda, No. 09-18106-SSM, Bankr. E.D.Va., 12/16/2009, 13)
Fourth Cir (VA-E)
In re Capos-Luna, No. 09-15696-SSM
(Bankr. E.D. Va.
)
2009-12-16 - (In re Capos-Luna, No. 09-15696-SSM, Bankr. E.D. Va., 12/16/2009)
DCCir Cir (DC)
In re Brammer, Case No. 09-00608
(Bankr. D.D.C.
)
2009-12-16 - (In re Brammer, Case No. 09-00608, Bankr. D.D.C., 12/16/2009, 13)
Fourth Cir (VA-E)
In re Avellaneda, Case No. 09-18106-SSM
(Bankr.E.D.Virginia
)
2009-12-16 - (In re Avellaneda, Case No. 09-18106-SSM, Bankr.E.D.Virginia, 12/16/2009,13)
Court notes split of authority on issue but refuses to rule.
Fourth Cir (VA-E)
In re Capos-Luna, No. 09-15696-SSM
(Bankr.E.D.Virgina
)
2009-12-16 - (In re Capos-Luna,No. 09-15696-SSM,Bankr.E.D.Virgina,12/16/2009,both,na,)
Attorney must disgorge $2,000 fee paid by debtor where case had to be dismissed because debtor had not completed credit counseling, requiring the court to dismiss the case. Although the forms said counseling had been completed, there was no certificate of completion. Counsel was lax in failing to confirm that debtor had, indeed, attended credit counseling and got the certificate.
First Cir (MA)
In re Mammola, No. 90-12851-JNF
(Bankr. D. Mass.
)
2009-12-14 - (In re Mammola, No. 90-12851-JNF, Bankr. D. Mass., 12/14/2009, 13)
Tenth Cir (NM)
In re Crawford, 430 B.R. 833
(Bankr. D.N.M.
)
2009-12-14 - (In re Crawford, 430 B.R. 833, Bankr. D.N.M., 12/14/2009, 7)
Tenth Cir (NM)
In re Crawford, No. 09-14645-j7
(Bankr.D.New Mexico
)
2009-12-14 - (In re Crawford,No. 09-14645-j7,Bankr.D.New Mexico,12/14/2009,both,na)
Debtor's attorney screwed up by computing 180 day credit counseling period to be "six months" rather than 180 days. Debtor had completed counseling 181 days before filing, and then did a makeup 4 days after filing. Court said that it had no choice but to dismiss the case.
Eleventh Cir (GA-N)
In re Hagler, No. 07-65231
(Bankr. N.D. Ga.
)
2009-12-10 - (In re Hagler, No. 07-65231, Bankr. N.D. Ga., 12/10/2009, 7)
Second Cir (NY-W)
In re Spears, 421 B.R. 47
(Bankr. W.D.N.Y.
)
2009-12-09 - (In re Spears, 421 B.R. 47 , Bankr. W.D.N.Y., 12/9/2009, 7)
Ninth Cir (WA-W)
IN RE REYES, Bankruptcy No. 09-17532.
(Bankr. Court WD Washington
)
2009-12-09 - (IN RE REYES, Bankruptcy No. 09-17532.,Bankr. Court WD Washington, 12/9/2009)
follows Scarborough, holding that a rental unit as part of the debtor's residence allows for mortgage modification.
Ninth Cir (AZ)
In re Wilson, No. 4:09-bk-13836-JMM
(Bankr. D.Ariz.
)
2009-12-09 - (In re Wilson, No. 4:09-bk-13836-JMM, Bankr. D.Ariz., 12/9/2009)
Second Cir (NY-W)
In re Spears, 421 B.R. 47
(Bankr.W.D.New York
)
2009-12-09 - (In re Spears,421 B.R. 47, Bankr.W.D.New York, 12/9/2009, 7, NA, )
BAPCPA did not reverse Deswsnup. Chapter 7 debtors cannot use section 506 to strip down liens. (property was not exempt so debtor could not use section 522(f) to avoid the judicial lien
Fifth Cir (TX-S)
In re Puccio, Case No. 09-31646
(Bankr. S.D.Tex.
)
2009-12-07 - (In re Puccio, Case No. 09-31646, Bankr. S.D.Tex., 12/7/2009, 13)
Tenth Cir (10)
In re Hall, BAP No. KS-08-088
(Bankr. 10th Cir.
)
2009-12-04 - (In re Hall, BAP No. KS-08-088, Bankr. 10th Cir., 12/4/2009)
First Cir (MA)
In re Guarin, __ BR __
(Bankr.D.Massachusettes
)
2009-12-03 - (In re Guarin, __ BR __, Bankr.D.Massachusettes, 12/3/2009, 7/13)
After considering the very well-reasoned arguments on both sides of this issue, the Court is ultimately persuaded by the decision of Judge Burns in In re Fox, 370 B.R. 639 (D. N.J. 2007), where, after a thorough examination of the question, the bankruptcy court found that the means test does not apply to converted debtors. In so ruling, the Court respectfully disagrees with his learned colleague from Rhode Island, whose decision in In re Perfetto articulates the arguments in favor of applying the means test to converted debtors. See generally 361 B.R. 27 (D. R.I. 2007).
First Cir (MA)
In re Torres, __ BR __
(Bankr.D.Mass
)
2009-12-01 - (In re Torres, __ BR __, Bankr.D.Mass, 12/1/2009, 7)
student load discharged due to disability of debtor's spouse
Second Cir (NY-E)
In re Lavelle, Case No.: 09-72389-478
(E.D.New York
)
2009-11-25 - (In re Lavelle, Case No.: 09-72389-478, E.D.New York, 11/25/2009,7)
Fifth Cir (TX-N)
In re McClure, 420 BR 655
(Bankr. N.D.Tex.
)
2009-11-23 - (In re McClure, 420 BR 655 , Bankr. N.D.Tex., 11/23/2009, 7)
Fourth Cir (WV-N)
In re Smith, Case No. 09-691
(Bankr.N.D.West Virgina
)
2009-11-23 - (In re Smith, Case No. 09-691 , Bankr.N.D.West Virgina, 11/23/2009, 7)
debtor's ability to pay creditors relevant to 707(b)(3) totality of the circumstances analysis.
Fourth Cir (NC-E)
In re Connor, 419 B.R. 304
(Bankr.E.D.N.C.
)
2009-11-19 - (In re Connor, 419 B.R. 304, Bankr.E.D.N.C., 11/19/2009, both, NA)
Fourth Cir (NC-M)
In re Perkins, 418 B.R. 680
(Bankr. M. North Carolina
)
2009-11-19 - (In re Perkins, 418 B.R. 680, Bankr. M. North Carolina, 11/19/2009, 7)
reaffirmation rejected because it was untimely filed, creditor cannot repossess as long as payments are current.
Fifth Cir (TX-N)
In re Meurer, Case No. 09-41446
(Bankr.N.D.Texas
)
2009-11-18 - (In re Meurer, Case No. 09-41446, Bankr.N.D.Texas, 11/18/2009, 7, Above)
Debtor's gambling and luxury lifestyle indicate that choices could be made to repay debts.
Fifth Cir (TX-e)
In re Dumas, 419 B.R. 704
(E.D. Tex.
)
2009-11-17 - (In re Dumas, 419 B.R. 704, E.D. Tex., 11/17/2009, )
Second Cir (CT)
In re Fitzgerald, 418 B.R. 778
(Bankr.D.Connecticut
)
2009-11-13 - (In re Fitzgerald, 418 B.R. 778, Bankr.D.Connecticut, 11/13/2009, 7, Above)
Eighth Cir (IA-N)
In re Nouchanthavong, No. 09-02181
(Bankr. N.D. Iowa
)
2009-11-13 - (In re Nouchanthavong, No. 09-02181 , Bankr. N.D. Iowa, 11/13/2009, 7, )
Court refused to approve reaffirmation for unsecured debt cosigned with debtor's mother, because reaffirmation would be of no benefit to debtor. Debtor is still free to continue making "voluntary" payments once personal liability is discharged.
Fourth Cir (VA-E)
In re Moose, Case No. 09-16920-SSM
(Bankr. E.D. Virginia
)
2009-11-12 - (In re Moose, Case No. 09-16920-SSM, Bankr. E.D. Virginia, 11/12/2009, 13, Above)
Above median income debtor must have 60 month plan even though no disposable income according to the means test.
Seventh Cir (IL-C)
In re Urquhart, Case No. 09-71058
(Bankr.C.D.Illinois
)
2009-11-12 - (In re Urquhart, Case No. 09-71058, Bankr.C.D.Illinois, 11/12/2009, 13, Below)
Below-median income debtor allowed expense for parochial school tuition of $600 per month for two sons. Approved plan paid $643 per month for 36 months for a 41.5% payment of unsecured debts. Debtor testified that Decatur, IL public schools tested poorly and prone to violence and once son actually experienced it. Also, school was of debtor's husband's Roman Catholic faith.
Seventh Cir (IL-N)
In re Killian, 422 BR 903
(Bankr. N.D.Ill.
)
2009-11-12 - (In re Killian, 422 BR 903, Bankr. N.D.Ill., 11/12/2009,)
Loan proceeds are not income, but when is a loan not a loan? Judge sets out factors to indicate whether a loan is really a loan.
Sixth Cir (6)
In re Pelfrey, 419 B.R. 10
(Bankr. 6th Cir.
)
2009-11-09 - (In re Pelfrey, 419 B.R. 10, Bankr. 6th Cir., 11/9/2009)
'Kentucky Revised Statute Section 61.060 prevented the trustee from avoiding a mortgage based on a defective acknowledgment.'
First Cir (1)
Smith v. Pritchett (In re Smith), 586 F.3d 69
(1st Cir.
)
2009-11-06 - (Smith v. Pritchett (In re Smith), 586 F.3d 69, 1st Cir., 11/6/2009)
Fourth Cir (VA-E)
In re Vilca, Case No. 09-16569-SSM
(Bankr. E.D. Virginia
)
2009-11-05 - (In re Vilca, Case No. 09-16569-SSM, Bankr. E.D. Virginia, 11/5/2009, 13, Above)
Fifth Cir (TX-S)
In re Norra, 421 B.R. 782
(Bankr. S.D Texas
)
2009-11-05 - (In re Norra, 421 B.R. 782, Bankr. S.D Texas, 11/5/2009, N/A, )
Entire moblile home park was debtor's homestead.
Third Cir (PA-M)
In re Stonier, 417 BR 702
(Bankr.M.D.Pennsylvania
)
2009-11-02 - (In re Stonier, 417 BR 702, Bankr.M.D.Pennsylvania, 11/2/2009, 13, NA )
Where the Debtors' Modified Plan provides for regular monthly mortgage payments to be made directly to the Mortgagee, and arrearages through the plan, the Trustee CANNOT force the mortgage payments to be made through the plan as well.
Second Cir (NY-E)
In re Perelman, 419 BR 168
(Bankr.E.D. N.Y.
)
2009-10-30 - (In re Perelman, 419 BR 168, Bankr.E.D. N.Y., 10/30/2009, 7, Above)
Allows deduction for items to be surrendered, but then finds abuse based on ability to pay
Fifth Cir (TX-E)
In re Alvarado, ___
(Bankr.E.D.Texas
)
2009-10-29 - (In re Alvarado, ___, Bankr.E.D.Texas, 10/29/2009, 13, Above)
Seventh Cir (IL-C)
In re Kucharz, 418 BR 635
(C.D.Illinios
)
2009-10-28 - (In re Kucharz,418 BR 635, C.D.Illinios, 10/28/2009, 13, Above)
unemployment benefits are not "received under the Social Security Act," as that phrase is used in Section 101(10A). This Court agrees with Baden, and disagrees with Munger and Sorrell.
Eighth Cir (MO-E)
In re Ozenkoski, 417 B.R. 794; 799
(Bankr. E.D. Mo.
)
2009-10-23 - (In re Ozenkoski, 417 B.R. 794; 799, Bankr. E.D. Mo., 10/23/2009)
Ninth Cir (9)
Sternberg v. Johnston, 582 F.3d 1114
(9th Cir. Ariz
)
2009-10-22 - (Sternberg v. Johnston, 582 F.3d 1114 ,9th Cir. Ariz, 10/22/2009)
Ninth Cir (CA-E)
In re Harris, 415 B.R. 756
(Bankr.E.D.California
)
2009-10-22 - (In re Harris, 415 B.R. 756, Bankr.E.D.California, 10/22/2009, 13, Above)
First Cir (1-BAP)
Am. Express Bank FSB v. Askenaizer (In re Plourde), 418 B.R. 495
(BAP 1st Cir.
)
2009-10-19 - (Am. Express Bank FSB v. Askenaizer (In re Plourde), 418 B.R. 495, BAP 1st Cir., 10/19/2009, 7)
Tenth Cir (10)
Beaumont v. VA (In re Beaumont), 586 F.3d 776
(10th Cir.
)
2009-10-15 - (Beaumont v. VA (In re Beaumont), 586 F.3d 776, 10th Cir., 10/15/2009)
Ninth Cir (9-BAP)
Waag v. Permann (In re Waag), 418 B.R. 373
(BAP 9th Cir.
)
2009-10-14 - (Waag v. Permann (In re Waag), 418 B.R. 373, BAP 9th Cir., 10/14/2009)
Tenth Cir (NM)
In re Ruel, 418 BR 389
(Bankr.D.N.M.
)
2009-10-14 - (In re Ruel, 418 BR 389, Bankr.D.N.M., 10/14/2009, 7, Above, )
Debtors had too much income for Chapter 7 relief under "totality of circumstances" Their mortgage payment is much higher than the IRS guidelines for housing expense. They have two vehicles and a motorcycle; they could reduce expenses and bring in some income by selling a vehicle or the motorcycle (even taking into account Debtor's argument that using the motorcycle in good weather saves on fuel costs.) Therefore, expenses could be reduced without depriving the Debtors of adequate food, clothing, shelter or other necessities.
First Cir (MA)
In re Woodruff, 416 B.R. 369
(Bankr.D.Mass
)
2009-10-13 - (In re Woodruff, 416 B.R. 369, Bankr.D.Mass, 10/13/2009,13/7, Above)
the amount withheld is not the appropriate way to measure a debtor's actual tax liability unless the debtor will not receive a tax refund
Ninth Cir (MT)
In re Bieniek, 417 B.R. 133
(Bankr. D.Mont.
)
2009-10-09 - (In re Bieniek, 417 B.R. 133, Bankr. D.Mont., 10/9/2009, 7)
Eleventh Cir (FL-M)
In re Linderman, ____
(Bankr.M.D.Florida
)
2009-10-09 - (In re Linderman, ____, Bankr.M.D.Florida,10/9/2009,)
what happens if a debt is secured by real property. Does the old split among the circuits still exist or did BAPCPA somehow resolve the split by eliminating or by allowing the ride-through option as to real property?
Ninth Cir (CA-C)
In re Smith, 419 B.R. 826
(Bankr.C.D.California
)
2009-10-09 - (In re Smith, 419 B.R. 826, Bankr.C.D.California, 10/09/2009, 13)
wholly unsecured mortgage does not count as unsecured debt for purposes of Chapter 13 eligibility, citing Scovis v. Henrichsen (In re Scovis), 249 F.3d 975 (9th Cir 2001) and in re Miller, 907 F.2d 80 (8th Cir 1990)
Second Cir (2)
In re Peaslee, 585 F.3d 53
(2nd Cir.
)
2009-10-09 - (In re Peaslee, 585 F.3d 53, 2nd Cir., 10/9/2009,13,)
consolidated appeal raises the question of whether the portion of an automobile retail instalment sale obligation attributable to a trade-in vehicle's "negative equity" (i.e., debt owed above and beyond the current collateral value of the traded-in 56 vehicle) should be considered part of the purchase-money security interest arising from the sale of a vehicle, and therefore protected from cramdown by the "hanging paragraph" of Section 1325.
The New York Court of Appeals' answer to our certified question is determinative of the case before us. We now know that, under New York law, negative equity is considered a purchase-money obligation and therefore included in a PMSI. Accordingly, because the other conditions for avoiding cramdown under the hanging paragraph were not contested by the parties,[3] creditor-appellees' entire claims, including those portions attributable to the payoff of negative equity on their trade-in vehicles, must be treated as secured claims. As a result, creditor-appellees are immune from cramdown and bifurcation of their full security interest in debtor-appellants' cars, including that portion deriving from the negative trade-in value of their prior cars.[4]
Second Cir (CT)
In re Lukazewski, 414 B.R. 15
(Bankr.D.Connecticut
)
2009-10-08 - (In re Lukazewski, 414 B.R. 15, Bankr.D.Connecticut, 10/8/2009, 13, Above)
payments on debts secured by avoided mortgages are not included in calculating PDI
Tenth Cir (CO)
In re Sharp, 415 BR 803
(Bankr.D.Colorado
)
2009-10-06 - (In re Sharp, 415 BR 803,Bankr.D.Colorado,10/6/2009,13,)
Proposed treatment of the student loan creditors does NOT unfairly discriminate among unsecured creditors (three separate cases discussed)
Ninth Cir (9)
Yarnall v. Martinez (In re Martinez), 418 B.R. 347
(9th Cir. BAP
)
2009-10-05 - (Yarnall v. Martinez (In re Martinez), 418 B.R. 347, 9th Cir. BAP, 10/5/2009, 13)
Ninth Cir (9-BAP)
American Express Bank FSB v. Smith (In re Smith), 418 BR 359
(9th Cir BAP
)
2009-10-05 - (American Express Bank FSB v. Smith (In re Smith), 418 BR 359, 9th Cir BAP, 10/05/2009, 13, Above )
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
Ninth Cir (9-BAP)
Yarnal v. Martinez (In re Martinez), 418 B.R. 347
(9th Cir BAP
)
2009-10-05 - (Yarnal v. Martinez (In re Martinez), 418 B.R. 347, 9th Cir BAP, 10/5/2009, 13, Above)
Debtors have chosen to value certain liens at zero and will not be making any payments under or outside their plans on the mortgages. Yet they are deducting these mortgage payments as expenses "necessary" for their support. Debtors cannot have it both ways. Either the expense is necessary or it no longer exists as a secured obligation for the purposes of their plans. Once Debtors opt to eliminate the secured claims, payment of those claims is no longer an expense that is necessary for their support under section 1325(d)(2). Consequently, there is no need to resort to section 1325(b)(3) and its dispatch to the mechanical formulas of section 707 (b)(2)(A) & (B).
Eleventh Cir (FL-s)
In re Archer, 416 B.R. 900
(Bankr. S.D. Fla.
)
2009-10-02 - (In re Archer, 416 B.R. 900, Bankr. S.D. Fla., 10/2/2009, 7)
Ninth Cir (9)
In re Greene, 583 B.R. 614
(9th Cir
)
2009-10-02 - (In re Greene, 583 B.R. 614, 9th Cir, 10/02/2009, na, na,)
Section 522(p) homestead limitation's 1215 day period runs from date of ownership of the property, not from the date of declaration of homestead.
Sixth Cir (TN-m)
In re Ramsey, 421 B.R. 431
(Bankr. M.D. Tenn.
)
2009-10-02 - (In re Ramsey, 421 B.R. 431, Bankr. M.D. Tenn., 10/2/2009, 13)
Second Cir (NY-E)
In re Cersosimo, No. 05-89735-dte
(Bankr. E.D.N.Y.
)
2009-09-29 - (In re Cersosimo, No. 05-89735-dte, Bankr. E.D.N.Y., 9/29/2009,7)
Seventh Cir (IN-S)
In re White, Case No. 08-93625-BHL-13
(Bankr.S.D.Indiana
)
2009-09-29 - (In re White, Case No. 08-93625-BHL-13, Bankr.S.D.Indiana, 9/29/2009, 13, NA)
Based upon a careful review of existing case law, this Court continues to hold that negative equity is not protected by the "hanging paragraph" of section 1325(a) of the Bankruptcy Code. It is neither "all or part of the price" of a new car nor is it "value given to enable the debtor to acquire rights in or the use of" a new car. As such, it does not fit within the definition of a PMSI under applicable Article 9 guidelines.
Second Cir (NY-e)
In re Cersosimo, No. 05-89735-dte
(Bankr. E.D.N.Y.
)
2009-09-29 - (In re Cersosimo, No. 05-89735-dte, Bankr. E.D.N.Y., 9/29/2009)
Sixth Cir (OH-s)
In re Fleming, No. 04-63079
(Bankr. S.D. Ohio
)
2009-09-28 - (In re Fleming,No. 04-63079 , Bankr. S.D. Ohio, 9/28/2009, 13)
When debtors demanded full accounting of fees and expenses on their mortgage payments, creditor replied with an avalanche of discovery requests. and excessive litigation in an effort to make things too expensive for the debtor to proceed. The court said, "All that was ever sought was an explanation for the charges asserted by the defendant. Rather than cooperate, the defendant engaged in litigation and discovery tactics that increased the costs to obtain answers. The plaintiffs would never be able to match the defendant's financial resources and inevitably would have to abandon the cause and their home." The court granted a default judgment and attorneys fees to the debtor (plaintiff).
Sixth Cir (OH-s)
In re Carpenter, No. 08-54330
(Bankr. S.D.Ohio
)
2009-09-26 - (In re Carpenter, No. 08-54330, Bankr. S.D.Ohio, 9/26/2009, 13)
Eleventh Cir (FL-s)
In re Kalfayan, 415 B.R. 907
(Bankr. S.D.Fla.
)
2009-09-25 - (In re Kalfayan, 415 B.R. 907, Bankr. S.D.Fla., 9/25/2009, 13)
Eleventh Cir (AL-m)
In re Spears, 415 B.R. 855
(M.D. Ala.
)
2009-09-24 - (In re Spears, 415 B.R. 855, M.D. Ala., 9/24/2009, 13)
The court ruled that debtors get a full standard vehicle deduction, and that the court should treat the full-vehicle deduction as the presumptive vehicle ownership cost.
The court rejected the holding in In re Strickland (Bankr. M.D. Ala. 2001), that a debtor's use of the vehicle ownership deduction is inconsistent with the forward-looking nature of projected disposable income used to determine the adequacy of a Chapter 13 plan.
Court held that the standards of the means test should be applied in determining what expenses are allowed or not, while still allowing the court to look at changed circumstances -- as long as the standards applied don't change.
Ninth Cir (ID)
In re Bourguignon, 416 BR 745
(Bankr. D.Idaho
)
2009-09-23 - (In re Bourguignon, 416 BR 745, Bankr. D.Idaho, 9/23/2009, 7)
Sixth Cir (OH-S)
In re Phillips, 417 B.R. 30
(S.D. Ohio
)
2009-09-22 - (In re Phillips, 417 B.R. 30, S.D. Ohio, 9/22/2009, 7, Above)
Eighth Cir (IA-n
)
In re Simons, No. 09-01428
(Bankr. N.D.Iowa
)
2009-09-21 - (In re Simons,No. 09-01428 , Bankr. N.D.Iowa, 9/21/2009, 7 )
Sixth Cir (KY-W)
In re Payne, 414 B.R. 111
(Bankr.W.D.Kentucky
)
2009-09-18 - (In re Payne, 414 B.R. 111, Bankr.W.D.Kentucky,9/18/2009, )
BPP cannot run credit report for debtor nor advise them which exemption statutes to cite on their exemptions.
Fifth Cir (TX-e)
In re Eads, 416 B.R. 304
(Bankr. E.D.Tex.
)
2009-09-18 - (In re Eads, 416 B.R. 304 , Bankr. E.D.Tex., 9/18/2009, 13)
Eleventh Cir (GA-m)
In re Baugh, 416 B.R. 905
(Bankr. M.D.Ga.
)
2009-09-17 - (In re Baugh, 416 B.R. 905, Bankr. M.D.Ga., 9/17/2009, 7)
Bankruptcy petition preparer (BPP) was ordered to disgorge fees and pay a fine, with the court finding that BPPs must make it clear to clients that they are not lawyers. Here the BPP gave the client advice (which only a lawyer can do) and was not clear that she was not a lawyer.
Fifth Cir (TX-s)
In re Fink, No. 07-36827-H3-7
(Bankr. S.D. Tex.
)
2009-09-17 - (In re Fink, No. 07-36827-H3-7, Bankr. S.D. Tex., 9/17/2009)
Seventh Cir (IL-N)
in re Forrest, 424 B.R. 831
(Bankr.N.D.Illinois
)
2009-09-16 - (in re Forrest,424 B.R. 831,Bankr.N.D.Illinois,9/16/2009, 13,)
Debtors cannot strip off wholly unsecured junior mortgages through plan confirmation. Debtor's plan stated that lien would be "stripped' but that wasn't enough to actually do it. Adversary proceeding required in this court.
Seventh Cir (IL-n)
In re Forrest, 424 B.R. 831
(Bankr. N.D.Ill.
)
2009-09-16 - (In re Forrest, 424 B.R. 831, Bankr. N.D.Ill., 9/16/2009, 13)
Ninth Cir (9)
Dumont v. Ford Motor Credit Co. (In re Dumont), 581 F. 3d 1104
(9th Cir.
)
2009-09-15 - (Dumont v. Ford Motor Credit Co. (In re Dumont), 581 F. 3d 1104, 9th Cir., 9/15/2009,7,NA)
At least where the debtor has not attempted to reaffirm, our decision in Parker has been superseded by BAPCPA.
Second Cir (NY-n)
In re D'Amico, No. 05-19217
(Bankr. N.D.N.Y.
)
2009-09-14 - (In re D'Amico, No. 05-19217, Bankr. N.D.N.Y., 9/14/2009, 7)
Second Cir (NY-W)
In re Boyle, 412 BR 108
(Bankr.W.D. New York
)
2009-09-11 - (In re Boyle, 412 BR 108, Bankr.W.D. New York, 9/11/2009, 7, Above)
debtor can't keep boat while seeking discharge of unsecured debts.1
Second Cir (NY-e)
In re Moreo, No.: 07-71258-478
(Bankr. E.D.N.Y.
)
2009-09-10 - (In re Moreo, No.: 07-71258-478, Bankr. E.D.N.Y., 9/10/2009, 7)
Ninth Cir (ID)
In re Scott, No. 05-41825-JDP
(Bankr. D.Idaho
)
2009-09-10 - (In re Scott, No. 05-41825-JDP, Bankr. D.Idaho, 9/10/2009)
Tenth Cir (KS)
In re Cook, 415 B.R. 529
(Bankr. D.Kan.
)
2009-09-10 - (In re Cook, 415 B.R. 529, Bankr. D.Kan., 9/10/2009)
Eighth Cir (8)
Nuvell Credit Co. v. Callicott (In re Callicott), 580 F.3d 753
(8th Cir.
)
2009-09-09 - (Nuvell Credit Co. v. Callicott (In re Callicott), 580 F.3d 753, 8th Cir., 9/9/2009)
Eighth Cir (8)
In re Callicott, 580 F.3d 753
(8th Cir.
)
2009-09-09 - (In re Callicott, 580 F.3d 753, 8th Cir., 9/9/2009,)
This legal issue is controlled by Ford Motor Credit Company v. Mierkowski (In re Mierkowski), 580 F.3d 740, 2009 WL 2853586 (8th Cir.2009) (No. 08-3866), which held that a creditor has a PMSI securing the negative equity financing that is part of a new car sale.
Sixth Cir (6)
In re Morton (Ford Motor Credit Co. v. Morton), 410 B.R. 556
(bankr. 6th Cir.
)
2009-09-09 - (In re Morton (Ford Motor Credit Co. v. Morton), 410 B.R. 556, bankr. 6th Cir., 9/9/2009)
Seventh Cir (WI-E)
In re Morey, 414 B.R. 473
(Bankr.E.D.Wisconsin
)
2009-09-09 - (In re Morey, 414 B.R. 473 ,Bankr.E.D.Wisconsin,9/9/2009,13,)
Negative equity protected by hanging paragraph
Eighth Cir (8)
Ford Motor Credit Co. v. Mierkowski (In re Mierkowski), 580 F.3d 740
(8th Cir.
)
2009-09-08 - (Ford Motor Credit Co. v. Mierkowski (In re Mierkowski), 580 F.3d 740, 8th Cir., 09/08/09,13,Above)
when debtors trade in vehicles that are worth less than the amount owed on them, any negative equity included with the financing of the new car's purchase is included in the purchase-money obligation, secured by the purchase money security interest, and protected from modification by Section 1325(a)'s hanging paragraph
Fifth Cir (5)
Ford Motor Credit Co. v. Dale, 582 F. 3d 568
(5th Cir.
)
2009-09-08 - (Ford Motor Credit Co. v. Dale, 582 F. 3d 568, 5th Cir., 09/08/09,13,Above)
when debtors trade in vehicles that are worth less than the amount owed on them, any negative equity included with the financing of the new car's purchase is included in the purchase-money obligation, secured by the purchase money security interest, and protected from modification by Section 1325(a)'s hanging paragraph
Fifth Cir (5)
In re Dale, 582 F.3d 568
(5th Cir.
)
2009-09-08 - (In re Dale, 582 F.3d 568, 5th Cir., 9/8/2009)
910 car loans include negative equity; the presence of negative equity, refinanced as part of a purchase money loan, does not destroy or affect the purchase money status of the security interest
Fifth Cir (TX-N)
In re Daugherty, 416 B.R. 582
(Bankr.N.D. Texas
)
2009-09-08 - (In re Daugherty, 416 B.R. 582, Bankr.N.D. Texas, 9/8/2009, 7, Above,)
100K income debtor allowed to file chapter 7 where string of bad luck and poor decisions and marital problems, rather than attempt to evade creditors, was motive for financial moves that led to bankruptcy.
Fifth Cir (TX-E)
In re Camp, 416 B.R. 304
(Bankr.E.D.Texas
)
2009-09-04 - (In re Camp, 416 B.R. 304 , Bankr.E.D.Texas, 9/4/2009, 7, Above, Case No. 08-41290)
playing less golf, eating out less, and quitting gym is not adequate belt tightening to allow Chapter 7 case to proceed for debtor with income of 141K per year.
Seventh Cir (IL-s)
In re Troutt, No. 09-40555
(Bankr.S.D.Ill.
)
2009-09-04 - (In re Troutt, No. 09-40555, Bankr.S.D.Ill., 9/4/2009, 13)
Sixth Cir (MI-e)
In re Wade, 414 B.R. 161
(Bankr. E.D.Mich.
)
2009-09-04 - (In re Wade, 414 B.R. 161, Bankr. E.D.Mich., 9/4/2009, 13)
Seventh Cir (IL-N)
In re Holland, No. 05-58959
(Bankr.N.D.Illinois
)
2009-09-03 - (In re Holland,No. 05-58959, Bankr.N.D.Illinois, 9/3/2009, 7, )
Applying and explaining Florida Tenancy by the Entireties exemption to a case in Illinois allowing debtor to exempt land owned in Florida.
Fifth Cir (TX-E)
In re Desai, Case No. 07-41713
(Bankr.E.D.Texas
)
2009-09-02 - (In re Desai, Case No. 07-41713, Bankr.E.D.Texas, 9/2/2009, )
Discharge denied due to lack of business records.
Eleventh Cir (AL-N)
In re Wise, 415 B.R. 579
(Bankr.N.D.Alabama
)
2009-09-02 - (In re Wise,415 B.R. 579, Bankr.N.D.Alabama, 9/2/2009,13)
Although debtor must seek credit counseling at least one day BEFORE filing, failure of creditor to raise objection until plan confirmation means objection has been waived.
Tenth Cir (KS)
In re Wenzel, 415 BR 510
(Bankr.D.Kansas
)
2009-09-01 - (In re Wenzel, 415 BR 510, Bankr.D.Kansas, 9/1/2009,13,)
Above median income debtors may not take ownership expense for vehicle they own free and clear
Fifth Cir (TX-S)
In re Fahey, Case No. 09-00501
(S.D. Texas
)
2009-09-01 - (In re Fahey, Case No. 09-00501, S.D. Texas, 9/1/2009,n/a,,)
incompetent lawyer barred from further bankruptcy cases:
"Counsel has displayed, and continues to display, incompetence and disregard for the statutes and rules that govern bankruptcy practice. While some of the blame for these failures perhaps rests on Counsel's paralegal, unreasonable delegation is itself a violation of the rules and of the statute.
The Court has tried to change these behaviors by earlier, more limited, orders and admonitions. But those measures have had no success.
The Court agrees with the chapter 13 Trustee and with the US Trustee that protection of the public requires that Mr. Fahey be enjoined from further bankruptcy practice until he can convince the Court that he will practice in accordance with the statute, rules, and ethics requirements applicable to attorneys."
Fifth Cir (TX-S)
In re Sparks, Case No. 09-30238-H3-7
(Bankr.S.D.Texas
)
2009-08-31 - (In re Sparks, Case No. 09-30238-H3-7, Bankr.S.D.Texas, 8/31/2009, )
full wildcard exemtion allowed where value of homestead not established
Ninth Cir (WA-E)
In re Booth, 410 B.R. 672
(Bankr.E.D.Washington
)
2009-08-31 - (In re Booth,410 B.R. 672 , Bankr.E.D.Washington, 8/31/2009, 7, )
Debtor can prove undue hardship for student loan discharge even if under current circumstances payments are being deferred.
Sixth Cir (OH-N)
in re Boyd, 414 BR 223
(ND Ohio
)
2009-08-29 - (in re Boyd, 414 BR 223, ND Ohio,8/29/2009,13,)
Eighth Cir (8)
In re Washburn (eCast Settlement Corp. v Washburn), 579 F.3d
(8th Cir.
)
2009-08-28 - (In re Washburn (eCast Settlement Corp. v Washburn), 579 F.3d, 8th Cir., 8/28/09,13,Above)
above median income debtors may take means test deduction for motor vehilcle ownership expense for cars they own free and clear
means test
motor vehicle
IRS standards
Seventh Cir (WI-E)
In re Dionne, 402 B.R. 883
(Bankr.E.D.Wis.
)
2009-08-28 - (In re Dionne, 402 B.R. 883, Bankr.E.D.Wis., 08/28/09, 13, Above )
Second Cir (NY-e)
In re Seligman, 417 B.R. 171
(Bankr. E.D.N.Y.
)
2009-08-28 - (In re Seligman, 417 B.R. 171, Bankr. E.D.N.Y., 8/28/2009)
Ninth Cir (9)
Craig v. Educational Credit Management Corp. (In the Matter of Craig), 579 F.3d 1040
(9th Cir.
)
2009-08-26 - (Craig v. Educational Credit Management Corp. (In the Matter of Craig), 579 F.3d 1040, 9th Cir., 08/26/09,13,Above)
9TH CIRCUIT VACATES PERPLEXING STUDENT LOAN RULING
Sixth Cir (OH-n)
In re Boyd, 414 B.R. 223
(Bankr.N.D.Ohio
)
2009-08-26 - (In re Boyd, 414 B.R. 223, Bankr.N.D.Ohio, 8/26/2009, 13)
Fourth Cir (NC-e)
In re Bosco, No. 09-02715-8-JRL
(Bankr. E.D.N.C.
)
2009-08-25 - (In re Bosco, No. 09-02715-8-JRL, Bankr. E.D.N.C., 8/25/2009, )
Fourth Cir (NC-e)
Angell Trusteee v. Conner (In re Conner), 04-09996-8-JRL
(Bankr.E.D.N.C.
)
2009-08-25 - (Angell Trusteee v. Conner (In re Conner), 04-09996-8-JRL, Bankr.E.D.N.C., 8/25/2009, 7)
Sixth Cir (6)
In re Bunn, 578 F.3d 487
(6th Cir.
)
2009-08-25 - (In re Bunn, 578 F.3d 487, 6th Cir., 8/25/2009)
Eighth Cir (MO-w)
In re Campbell, No. 09-20020-DRD-7
(Bankr.W.D.Mo.
)
2009-08-25 - (In re Campbell, No. 09-20020-DRD-7, Bankr.W.D.Mo., 8/25/2009, 7)
First Cir (ME)
In re Montieth, Case No. 09-20532
((D.Maine)
)
2009-08-24 - (In re Montieth,Case No. 09-20532, (D.Maine),8/24/2009,13)
Ninth Cir (9)
Egebjerg v. Anderson (U.S. Trustee) (In re Egebjerg), 574 F.3d 1045
(9th Cir.
)
2009-08-24 - (Egebjerg v. Anderson (U.S. Trustee) (In re Egebjerg), 574 F.3d 1045, 9th Cir., 8/24/2009)
Fourth Cir (VA-e)
In re Evans, 413 B.R. 315
(Bankr. E.D.Va.
)
2009-08-23 - (In re Evans, 413 B.R. 315, Bankr. E.D.Va., 8/23/2009, 7)
Ninth Cir (9)
In re Joye, 578 F.3d 1070
(9th Cir.
)
2009-08-21 - (In re Joye, 578 F.3d 1070, 9th Cir., 8/21/2009)
Second Cir (NY-w)
In re Gawronski, 411 BR 139
(Bankr.W.D.N.Y.
)
2009-08-21 - (In re Gawronski, 411 BR 139, Bankr.W.D.N.Y., 8/21/2009)
Sixth Cir (OH-n)
In re Osting, No. 09-30254
(Bankr. N.D.Ohio
)
2009-08-21 - (In re Osting, No. 09-30254, Bankr. N.D.Ohio, 8/21/2009, 7)
Fourth Cir (NC-m)
In re Bowles, No. 08-50065
(Bankr. M.D.N.C.
)
2009-08-19 - (In re Bowles, No. 08-50065, Bankr. M.D.N.C., 8/19/2009, 13)
Eleventh Cir (FL-n)
In re Miller, 418 B.R. 406
(Bankr. N.D. Fla.
)
2009-08-19 - (In re Miller, 418 B.R. 406, Bankr. N.D. Fla., 8/19/2009, 7)
Ninth Cir (9)
In re Ransom (Ransom v. MBNA), 577 F.3d 1026
(9th Cir
)
2009-08-14 - (In re Ransom (Ransom v. MBNA), 577 F.3d 1026, 9th Cir, 8/14/2009,13,Above)
Above-median income Chapter 13 debtors may not take a Means Test deduction for a vehicle ownership cost if there is no cost associated with ownership of the vehicle. "An 'ownership cost' is not an 'expense' -- either actual or applicable -- if it does not exist, period. Ironic it would be indeed to diminish payments to unsecured creditors in this context on the basis of a fictitious expense not incurred by a debtor,"
Fifth Cir (TX-n)
In re Riddle, 410 B.R. 460
(Bankr. N.D.Tex.
)
2009-08-13 - (In re Riddle, 410 B.R. 460, Bankr. N.D.Tex., 8/13/2009, 13)
Fifth Cir (TX-S)
In re Kosobud, Case No. 08-36581
(Bankr. S.D.Tex.
)
2009-08-13 - (In re Kosobud, Case No. 08-36581, Bankr. S.D.Tex., 8/13/2009)
Eighth Cir (8)
In re Lasowski, 575 F. 3d 815
(8th Cir.
)
2009-08-12 - (In re Lasowski, 575 F. 3d 815, 8th Cir., 8/12/2009, 13, Above)
Fifth Cir (TX-N)
In re Meadows, 410 BR 242
(Bankr. ND Texas
)
2009-08-12 - (In re Meadows, 410 BR 242, Bankr. ND Texas, 8/12/2009,13)
Eleventh Cir (FL-M)
In re Kent, 411 B.R. 473; 755-56
(Bankr.M.D.Florida
)
2009-08-10 - (In re Kent, 411 B.R. 473; 755-56, Bankr.M.D.Florida,8/10/2009, 7,na,)
Florida homestead trumps $4,000 wildcard exemption even if not claimed and no equity -- debtor still recieved "benefit of homestead" by the fact that she still had her house
Fifth Cir (TX-s)
In re Fadhli, No. 08-36892-H3-7
(Bankr.S.D.Tex.
)
2009-08-10 - (In re Fadhli, No. 08-36892-H3-7, Bankr.S.D.Tex., 8/10/2009, 7)
First Cir (1)
Morse v. Rudler (In re Rudler), 576 F.3d 37
(1st Cir.
)
2009-08-05 - (Morse v. Rudler (In re Rudler), 576 F.3d 37, 1st Cir., 08/05/09,7,Above)
Above-median income Chapter 7 debtors may deduct expenses that they don't actually have when calculating their disposable income. The 1st U.S. Circuit Court of Appeals ruled that a debtor's intention to surrender his home did not preclude him from including mortgage payments on Form 22A because the Means Test takes a snapshot of a debtor's financial situation as of the petition date
Tenth Cir (10)
Ford v. Ford Motor Credit Corp. (In re Ford), 574 F.3d 1279
(10th Cir.
)
2009-08-03 - (Ford v. Ford Motor Credit Corp. (In re Ford), 574 F.3d 1279, 10th Cir., 08/03/09,13,Above )
More than one out of three car buyers who trade in their used car owe more on the trade-in than it is worth and the financing of the purchase includes the satisfaction of the debt on the trade. There would be no sale if this financing did not happen. The seller would not accept the trade-in subject to the lien and the buyer would not be able to afford payments on two car loans. Consequently, the financing of negative equity is included in the expense of the purchasing a new car and is part of the purchase money obligation.
Ninth Cir (9)
Egebjerg v. Anderson (In re Egebjerg), 574 F.3d 1045
(9th Cir.
)
2009-08-03 - (Egebjerg v. Anderson (In re Egebjerg), 574 F.3d 1045, 9th Cir., 8/3/2009, 7)
Seventh Cir (IL-N)
In re Koeneman, 410 B.R. 820
(C.D.Ill.
)
2009-07-29 - (In re Koeneman, 410 B.R. 820, C.D.Ill.,7/29/2009)
Illinois wage garnishment law found not to create a bankruptcy exemption.
Fourth Cir (4)
Sheehan v. Peveich, 574 F.3d 248
(C.A.4 (W.Va.)
)
2009-07-24 - (Sheehan v. Peveich, 574 F.3d 248, C.A.4 (W.Va.), 7/24/2009,)
West Virginia's bankruptcy-only exemption statutes are constitutional and are not preempted by federal law.
Eighth Cir (MN)
In re Bostwick, 406 B.R. 867
(Bankr.D.Minnesota
)
2009-07-23 - (In re Bostwick,406 B.R. 867, Bankr.D.Minnesota,7/23/2009,13,Below)
Roommate, under the circumstances, makes a household of two.
Ninth Cir (AZ)
In re Epperson, 409 B.R. 503
(Bankr.D.Arizona
)
2009-07-23 - (In re Epperson, 409 B.R. 503, Bankr.D.Arizona, 7/23/2009,7,)
Debtor can include roommate in household but does not have to include all of his income.
Third Cir (PA-E)
In re Miller, 409 B.R. 299
(Bankr.E.D.Pennsylvania
)
2009-07-22 - (In re Miller, 409 B.R. 299,Bankr.E.D.Pennsylvania,07/22/2009,)
disabled debtor can afford to pay $20K of Parent Plus loans for children's education and could not discharge debt. Debtor's expenses found excessive in light of IRS education expense standards, given that her only income was $846 in Social Security Debtor's home also found too luxurious in light of overall household income.
Seventh Cir (IL-N)
In re Dunford, 408 B.R. 489
(Bankr.N.D.Ill
)
2009-07-21 - (In re Dunford,408 B.R. 489, Bankr.N.D.Ill,07/21/2009, 13,Above)
totality of circumstances support granting debtors motion to be excused from filing Schedule I, and reset the applicable six month period for calculating current monthly income.
Seventh Cir (7)
In re Turner, 574 F.3d 349
(7th Cir.
)
2009-07-20 - (In re Turner, 574 F.3d 349, 7th Cir., 07/20/2009,13,Above)
reversed the lower court's ruling that projected disposable income is disposable income multiplied by the length of the plan
Tenth Cir (10-BAP)
AmeriCredit Financial Services Inc. v. Padgett (In re Padgett), 408 B.R. 374
(BAP 10th Cir.
)
2009-07-20 - (AmeriCredit Financial Services Inc. v. Padgett (In re Padgett), 408 B.R. 374, BAP 10th Cir., 07/20/09,13,NA)
hanging paragraph added to Section 1325(a) covers a trade-in vehicle's negative equity that was financed along with the purchase price of a new vehicle, the 10th Circuit Bankruptcy Appellate Panel ruled
Fifth Cir (5)
Nowlin v. Peake (Matter of Nowlin), 576 F.3d 258
(5th Cir.
)
2009-07-17 - (Nowlin v. Peake (Matter of Nowlin), 576 F.3d 258, 5th Cir., 07/17/09,13,Above)
Because the debtor's proposed plan payments did not account for an increase in her disposable income following repayment of a 401(k) loan, the 5th Circuit affirmed the bankruptcy court's denial of plan confirmation
Seventh Cir (IL-S)
Smith v. Frazier, 421 BR 513
(SD Illinois
)
2009-07-13 - (Smith v. Frazier, 421 BR 513, SD Illinois, 7/13/2009)
Second Cir (NY-e)
In re Armstrong, 408 B.R. 559
(Bankr. E.D.N.Y.
)
2009-07-13 - (In re Armstrong,408 B.R. 559 , Bankr. E.D.N.Y., 7/13/2009, 13)
Seventh Cir (IN-S)
In re Cutler, Case No. 08-15568-AJM-7A
(Bankr.S.D.Indana
)
2009-07-09 - (In re Cutler,Case No. 08-15568-AJM-7A, Bankr.S.D.Indana, 7/9/2009, 7, Above)
the Court has determined that the Debtors' line 42 deduction for their mortgage payments should be allowed. Besides, a debtor's ability to deduct a mortgage payment which he is contractually obligated to pay on his bankruptcy petition date should be no more suspect than a debtor's ability to deduct transportation ownership expenses for a car he owns free and clear as of the petition date. See, In re Ross-Tousey, 549 F.3d 1148 (7th Cir. 2008).
Seventh Cir (IN-N)
In re Stewart, 408 B.R. 215
(Bankr.N.D.Indiana
)
2009-07-01 - (In re Stewart,408 B.R. 215,Bankr.N.D.Indiana,7/1/2009,13,)
Debtor allowed to strip off two wholly unsecured residential mortgages against his home
Seventh Cir (IN-n)
In re Stewart, 408 B.R. 215
(Bankr. N.D.Ind.
)
2009-07-01 - (In re Stewart, 408 B.R. 215, Bankr. N.D.Ind., 7/1/2009, 13)
Tenth Cir (CO)
In re Salerno, 408 B.R. 558
(Bankr.D.Colorado
)
2009-06-25 - (In re Salerno, 408 B.R. 558, Bankr.D.Colorado, 6/25/2009, 7,NA)
Ninth Cir (9)
Batlan (Trustee) v. Bledsoe (Matter of Bledsoe), 569 F.3d 1106
(9th Cir.
)
2009-06-25 - (Batlan (Trustee) v. Bledsoe (Matter of Bledsoe), 569 F.3d 1106, 9th Cir., 6/25/2009)
Fifth Cir (TX-S)
In re Ramirez, 413 B.R. 621
(Bankr.S.D.Texas
)
2009-06-24 - (In re Ramirez, 413 B.R. 621, Bankr.S.D.Texas, 6/24/2009, NA, )
No homestead exemption for property whose transfer to children was not disclosed on bankruptcy filings.
Fourth Cir (VA-e)
In re Buckley, 416 B.R. 283
(Bankr. E.D. Va.
)
2009-06-23 - (In re Buckley, 416 B.R. 283 , Bankr. E.D. Va., 6/23/2009)
Second Cir (NY-N)
In re Quintana, Case No. 08-61884
(Bankr.N.D.N.Y.
)
2009-06-19 - (In re Quintana, Case No. 08-61884, Bankr.N.D.N.Y., 6/19/2009, 13)
Ninth Cir (9)
Wirum v. Warren (Matter of Warren), 568 F.3d. 113
(9th Cir
)
2009-06-18 - (Wirum v. Warren (Matter of Warren), 568 F.3d. 113, 9th Cir, 6/18/2009,7)
Fourth Cir (VA-W)
In re Dudley, 405 BR 790
(Bankr. W.D. Virginia
)
2009-06-17 - (In re Dudley, 405 BR 790, Bankr. W.D. Virginia, 06/17/2009, Both,)
Fourth Cir (VA-e)
In re Ahmed, 411 B.R. 537
(Bankr. E.D. Va.
)
2009-06-15 - (In re Ahmed, 411 B.R. 537, Bankr. E.D. Va., 6/15/2009, )
Fourth Cir (NC-E)
In re Distler, Case No. 09-00707-8-RDD
(ED North Carolina
)
2009-06-11 - (In re Distler,Case No. 09-00707-8-RDD , ED North Carolina, 6/11/2009,13)
ORDER EXCUSING DEBTORS FROM FILING REQUIRED SCHEDULE "I" AND SETTING ALTERNATIVE DATE FOR DETERMINING CURRENT MONTHLY INCOME
Eighth Cir (IA-N)
In re Kruse, 406 B.R. 833
(Bankr. N.D. Iowa
)
2009-06-11 - (In re Kruse, 406 B.R. 833,Bankr. N.D. Iowa, 6/11/2009,13,)
Tax refunds are disposable income. Court allowed the debtor to retain a portion of the money for reasonable expenses -- remainder of the refund goes to trustee.
Student loan claim should be paid through the plan and prorated with all unsecured claims.
First Cir (MA)
In re Marshall, 407 B.R. 1
(Bankr. D. Mass.
)
2009-06-10 - (In re Marshall, 407 B.R. 1, Bankr. D. Mass., 6/10/2009, 13
)
The debtor may deduct payments to a junior lien holder that will be stripped.
Fifth Cir (5)
In re Tate, 571 F.3d 423
(5th Cir.
)
2009-06-10 - (In re Tate, 571 F.3d 423, 5th Cir., 6/10/2009, 7, No )
allowing the full IRS deduction for motor vehicle ownership where the vehicle is owned free and clear of liens
Ninth Cir (AK)
In re Hamilton, ___ B.R. ___
(Bankr.D.Alaska
)
2009-06-09 - (In re Hamilton, ___ B.R. ___, Bankr.D.Alaska, 6/9/2009, 7, NA)
Fifth Cir (5)
In re Miller, 570 F. 3d 633
(5th Cir
)
2009-06-05 - (In re Miller, 570 F. 3d 633, 5th Cir , 6/5/2009,13,)
The hanging paragraph does not allow a debtor to surrender a 910 vehicle in full satisfaction of his debt; instead, the remaining debt must be treated as an unsecured claim in the bankruptcy reorganization plan. Although the debt "need not be paid in full, any more than [Miller's] other unsecured debts, [] it [cannot] be written off in toto while other unsecured creditors are paid some fraction of their entitlements
Eighth Cir (MO-W)
In re Willis, 408 BR 803
(Bankr.W.D. Missouri
)
2009-06-02 - (In re Willis, 408 BR 803, Bankr.W.D. Missouri, 6/2/2009,7-13,)
Second Cir (NY-n)
In re Henderson, 423 BR 598
(Bankr. N.D.N.Y.
)
2009-05-27 - (In re Henderson, 423 BR 598, Bankr. N.D.N.Y., 5/27/2009, 7)
Eighth Cir (MN)
In re Hecker, 414 B.R. 499
(Bankr. D.Minn.
)
2009-05-19 - (In re Hecker, 414 B.R. 499, Bankr. D.Minn., 5/19/2009, 7)
Seventh Cir (IN-S)
IN RE RADEZ, Case No. 08-13087-AJM-7
(Bankr. SD Indiana
)
2009-05-15 - (IN RE RADEZ, Case No. 08-13087-AJM-7, Bankr. SD Indiana, 5/15/2009)
Iindiana Wage Garnishent exemption exists, but does not apply to bonuses.
Eleventh Cir (GA-s)
In re Allen, 411 B.R. 913
(Bankr. S.D. Ga.
)
2009-05-12 - (In re Allen, 411 B.R. 913, Bankr. S.D. Ga., 5/12/2009, 7)
The 10 day limitation of Section 704(b)(1)(A) runs from the conclusion of the Meeting of Creditors.
Seventh Cir (IL-N)
In re Forbish, 414 B.R. 400
(Bankr.N.D.Ill.
)
2009-05-05 - (In re Forbish, 414 B.R. 400,Bankr.N.D.Ill., 5/5/2009, 13,)
Sixth Cir (OH-N)
In re Durczynski, 405 B.R. 880
(Bankr. N.D. Ohio
)
2009-04-29 - (In re Durczynski, 405 B.R. 880, Bankr. N.D. Ohio, 4/29/2009,7)
tax refunds constitute a source of income so long as there is a realistic prospect of similar refunds in the future.
Cir ()
In re Jensen, 407 BR 378
(Bankr. C.D.CA
)
2009-04-28 - (In re Jensen, 407 BR 378, Bankr. C.D.CA, 4/28/2009
)
Ninth Cir (CA-C)
In re Jensesn, 407 B.R. 378
(Banrk. C.D.Cal
)
2009-04-28 - (In re Jensesn, 407 B.R. 378, Banrk. C.D.Cal, 4/28/2009,7,)
Court will not question amount of secured debt payments for home and boat because debts were incurred two years prior to bankruptcy and appear not to have been incurred with an intent to defraud creditors, nor did the purchase make the debtor insolvent.. Also has a discussion of "ride through"
BAPCPA eliminated the debtor's right to elect ride-through in cases where secured creditors object. ....
Ninth Cir (OR)
In re Applebaum, Case No. 08-63391-fra7
(Bankr.D.Orgegon
)
2009-04-17 - (In re Applebaum, Case No. 08-63391-fra7, Bankr.D.Orgegon, 4/17/2009,)
Eighth Cir (AR-W)
In re Justice, 404 BR 506
(W.D.Ark.
)
2009-04-15 - (In re Justice, 404 BR 506, W.D.Ark., 04/15/2009, 7/13,,No. 5:06-bk-71631)
Fourth Cir (4)
In re Price, 562 F.2d 618
(4th Cir
)
2009-04-13 - (In re Price, 562 F.2d 618, 4th Cir, 4/13/2009, )
negative equity is part of the PMSI protected by the 910-day rule in section 1325(a).
Fourth Cir (NC-E)
In re Williams, No. 08-02284-8-JRL
(Bankr. E.D.N.C.
)
2009-04-01 - (In re Williams, No. 08-02284-8-JRL, Bankr. E.D.N.C., 4/1/2009, 7)
Seventh Cir (IN-S)
In re Haraughty, 403 BR 607
(Bankr. SD Indiana
)
2009-04-01 - (In re Haraughty, 403 BR 607, Bankr. SD Indiana, 4/1/2009)
Ninth Cir (9)
In re Coleman, 560 F.3d 1000
(9th Cir.
)
2009-03-25 - (In re Coleman, 560 F.3d 1000,9th Cir.,3/25/2009,13)
Chapter 13 debtors do not need to wait till end of plan to seek discharge of student loans.
Fourth Cir (NC-E)
In re Hoff, 402 B.R. 683
(Bankr.E.D.North Carolina
)
2009-03-23 - (In re Hoff, 402 B.R. 683,Bankr.E.D.North Carolina, 3/23/2009, )
Debtor brought a motion to excuse filing of schedule I and to set an alternative date for calculating current monthly income. Court agreed.
Eleventh Cir (FL-M)
In re Norwood-Hill, 403 B.R. 905
(Bankr. M.D. Fla.
)
2009-03-19 - (In re Norwood-Hill, 403 B.R. 905, Bankr. M.D. Fla., 3/19/2009, 7, Above )
Second Cir (NY-E)
In re Bruckman, Case No. 07-43930-608
(Bankr E.D. NY
)
2009-03-17 - (In re Bruckman, Case No. 07-43930-608, Bankr E.D. NY, 3/17/2009,7)
Transfer of non exempt home equity to mother for $1 to avoid bankruptcy estate was avoided, and debtor was precluded from dismissing his bankruptcy case.
exemptions
Ninth Cir (OR)
In re Stewart, 410 B.R. 912
(Bankr. D. Or.
)
2009-03-16 - (In re Stewart, 410 B.R. 912, Bankr. D. Or., 3/16/2009,7,Above)
Third Cir (DE)
In re Hart, 402 B.R. 78
(Bankr.D.Delaware
)
2009-03-10 - (In re Hart, 402 B.R. 78, Bankr.D.Delaware, 3/10/2009, )
Fifth Cir (MS-N)
Bolen v. Adams, 403 B.R. 396
(N.D.Mississippi
)
2009-03-06 - (Bolen v. Adams, 403 B.R. 396, N.D.Mississippi, 3/6/2009, 7, Above)
Fourth Cir (VA-E)
In re Kelley, ____
(Bankr.E.D.Virgina
)
2009-02-27 - (In re Kelley, ____, Bankr.E.D.Virgina, 2/27/2009,13, Above)
Specifically, the calculated CMI of $7,817 understates by some 32% the debtor's actual average gross monthly income of $11,429 since taking his present job. However, without attempting to lay down a bright-line rule, the court cannot find that the magnitude of the distortion in this case is sufficiently severe to justify disregarding the statutory disposable income calculation in determining projected disposable income.
Ninth Cir (MT)
In re Leach, No. 08-61028
(Bankr. D. Mont.
)
2009-02-26 - (In re Leach, No. 08-61028, Bankr. D. Mont., 2/26/2009,13,)
Ninth Cir (WA-W)
In re Scott, 417 BR 623
(Bankr.W.D.Washington
)
2009-02-25 - (In re Scott,417 BR 623,Bankr.W.D.Washington, 2/25/2009, 7, NA)
Fourth Cir (4)
In re Ennis, 558 F.3d
(4th Cir.
)
2009-02-25 - (In re Ennis, 558 F.3d, 4th Cir., 2/25/2009)
Mobile Home loans may be modified (crammed down) in Chapter13, because under Virginia state law, mobile home is personal property, not real property.
mobile homes, foreclosure,
cramdown,
First Cir (RI)
In re Burbank, 401 B.R. 67
(Bankr.D.R.I.
)
2009-02-24 - (In re Burbank, 401 B.R. 67, Bankr.D.R.I., 02/24/2009,13,Above)
vehicle deduction does not require loan or lease.
On appeal to 1st Cir. Case No. 09-1776 (1st Cir. 2009).
Fourth Cir (VA-E)
In re Crawley, 412 B.R. 777
(Bankr. E.D. Va.
)
2009-02-23 - (In re Crawley, 412 B.R. 777, Bankr. E.D. Va., 2/23/2009,7,)
Ninth Cir (9)
McKay v. Ingleson, 558 F.3d 888
(9th Cir.
)
2009-02-23 - (McKay v. Ingleson, 558 F.3d 888, 9th Cir., 2/23/2009)
Fifth Cir (LA-M)
In re Melancon, 400 B.R. 521
(Bankr. M.D. La.
)
2009-02-19 - (In re Melancon, 400 B.R. 521, Bankr. M.D. La.,2/19/2009,13,Above)
Ninth Cir (CA-N)
In re Lamug, 403 B.R. 47
(Bankr.N.D.Cal.
)
2009-02-18 - (In re Lamug, 403 B.R. 47, Bankr.N.D.Cal., 02/18/2009,7,Above)
"After making adjustments to Debtors expenses to only allow actual housing and Utility expenses, Debtors' actual monthly expenses total $4,051. Adjusting Debtors' withholding taxes as suggested by the UST and allowing Debtors to continue making their 401k deduction results in monthly income of approximately $7,368. Even with a 401k deduction, therefore, Debtors have approximately $3,317 in monthly disposable income which could be used to pay creditors.[6] This amount is substantial as Debtors could pay 100% of their unsecured debt in less than 28 months. Thus, the totality of the circumstances of Debtors' financial condition indicate that Debtors have an ability to repay their debts."
Sixth Cir (OH-S)
In re Goble, 401 B.R. 261
(Bankr.SD Ohio
)
2009-02-17 - (In re Goble, 401 B.R. 261, Bankr.SD Ohio,2/17/2009,7, ,Case No. 08-51254,)
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.
Third Cir (PA-M)
In re Lopatka, 400 B.R. 433
(Bankr. M.D. Pa.
)
2009-02-17 - (In re Lopatka, 400 B.R. 433 ,Bankr. M.D. Pa., 2/17/2009)
An above median income debtor whose disposable income is negative as calculated under the means test, is not precluded from proposing a three-year Chapter 13 plan.
Fifth Cir (TX-N)
in re Clingman, 400 B.R. 555
(Bankr.S.D.Texas
)
2009-02-17 - (in re Clingman, 400 B.R. 555, Bankr.S.D.Texas, 2/17/2009,13,Above)
Court found "reasonable" a $613 monthly support payment expense made to joint debtor's parents. (Joint debtor paid mortgage and property taxes for aged parents' home). Debtors demonstrated that this was an ongoing commitment and no alternatives were available.
Second Cir (NY-E)
In re Chambers, No. 1-09-40201-dem
(Bankr.E.D.N.Y.
)
2009-02-13 - (In re Chambers,No. 1-09-40201-dem , Bankr.E.D.N.Y., 2/13/2009,13)
Ninth Cir (CA-E)
In re Thissen, 400 B.R. 776
(Bankr.E.D.Calif.
)
2009-02-12 - (In re Thissen, 400 B.R. 776, Bankr.E.D.Calif., 2/12/2009,13,N/A )
Ninth Cir (CA-E)
In re Thissen, 400 B.R. 776
(Bankr. E.D. Cal.
)
2009-02-12 - (In re Thissen, 400 B.R. 776, Bankr. E.D. Cal., 2/12/2009,13,Above, appeal docketed (9th Cir. February 23, 2009)
Ninth Cir (AZ)
In re Bertrand, No. 4:08-bk-16713-JMM
(Bankr. D.Ariz.
)
2009-02-12 - (In re Bertrand, No. 4:08-bk-16713-JMM, Bankr. D.Ariz., 2/12/2009, 13)
Ninth Cir (CA-E)
In re Thissen, 400 B.R. 776
(Bankr. E.D. Cal.
)
2009-02-12 - (In re Thissen, 400 B.R. 776 , Bankr. E.D. Cal., 2/12/2009, 13, Above)
Seventh Cir (IL-N)
In re Nichol, No. 08 B 19054
(Bankr.N.D.Ill.
)
2009-02-11 - (In re Nichol, No. 08 B 19054, Bankr.N.D.Ill., 2/11/2009, 7)
Eleventh Cir (FL-M)
In re Ralston, 400 B.R. 854
(Bankr. M.D. Fla.
)
2009-02-10 - (In re Ralston, 400 B.R. 854, Bankr. M.D. Fla., 2/10/2009, 7, Above)
Eleventh Cir (FL-M)
In re Ralston, 400 B.R. 854
(Bankr. M.D.Fla.
)
2009-02-10 - (In re Ralston, 400 B.R. 854 , Bankr. M.D.Fla., 2/10/2009, 7, Above)
Fifth Cir (TX-N)
In re Castellaw, 401 B.R. 223
(Bankr.N.D.Texas
)
2009-02-10 - (In re Castellaw, 401 B.R. 223, Bankr.N.D.Texas,2/10/2009,7,)
Dismissal warranted under "totality of circumstances" where debtors purchased a new GMC Yukon shortly before filing, took a trip to Florida a month before filing, lived in an expensive home, wanted to keep their boat, and supported their 22-year-old son.
Third Cir (PA-W)
In re Weisel, 400 B.R. 457
(Bankr. W.D. Pa.
)
2009-02-09 - (In re Weisel, 400 B.R. 457, Bankr. W.D. Pa., 2/9/2009, 13)
Seventh Cir (IL-S)
In re Delp, Case No 08-31466
(Bankr.S.D.Ill
)
2009-02-09 - (In re Delp, Case No 08-31466, Bankr.S.D.Ill,2.9.2009,13,Above)
MT v schedule I and J,
Seventh Cir (IN-S)
In re Mitchell, No. 08-8448-AJM-7
(Bankr.S.D.Ind.
)
2009-02-05 - (In re Mitchell, No. 08-8448-AJM-7, Bankr.S.D.Ind., 2/5/2009)
Sixth Cir (OH-S)
In re Cook, 406 B.R. 770
(Bankr. S.D.Ohio
)
2009-02-04 - (In re Cook, 406 B.R. 770, Bankr. S.D.Ohio, 2/4/2009)
Eleventh Cir (AL-M)
In re Marcus, Case No. 08-81050-WRS
(Bankr. M.D.Ala.
)
2009-02-04 - (In re Marcus, Case No. 08-81050-WRS, Bankr. M.D.Ala., 2/4/2009, 13)
Second Cir (CT)
In re Bostick, 400 B.R. 348
(Bankr.D.Conn.
)
2009-02-02 - (In re Bostick, 400 B.R. 348, Bankr.D.Conn., 2/2/2009)
Second Cir (CT)
Bostick, 400 B.R. 348
(Bankr. D.Conn.
)
2009-02-02 - (Bostick, 400 B.R. 348 , Bankr. D.Conn., 2/2/2009)
Seventh Cir (IL-N)
In re Baker, No. 08 B 72480
(Bankr. N.D.Ill.
)
2009-01-30 - (In re Baker, No. 08 B 72480, Bankr. N.D.Ill., 1/30/2009, 13, Below)
Sixth Cir (OH-N)
In re Baker, 400 B.R. 594
(Bankr.N.D.Ohio
)
2009-01-30 - (In re Baker,400 B.R. 594, Bankr.N.D.Ohio,1/30/2009,7,)
Debtor's student loan repayment may not be deducted from income, and deductions for daughters college and living expenses not allowed where unsecured creditors are receiving less than full payment. Case dismissed under "totality of circumstances"
Third Cir (DE)
In re Baker, 400 B.R. 136
(D.Delaware
)
2009-01-29 - (In re Baker, 400 B.R. 136, D.Delaware, 1/29/2009,7)
Cir (VA-N)
In re Mitchell, 400 B.R. 503
(Bankr. N.D.W.Va.
)
2009-01-28 - (In re Mitchell, 400 B.R. 503 , Bankr. N.D.W.Va., 1/28/2009, 7)
Eighth Cir (ND)
In re Lundstrom, No. 08-30589
(Bankr. D.N.D.
)
2009-01-28 - (In re Lundstrom, No. 08-30589, Bankr. D.N.D., 1/28/2009, 7)
Debtors genuinely forgot to schedule some assets, but revealed these assets within one month of filing. Because of this the court felt that the debtors had no intention to deceive or defraud the court, so the court went ahead and granted a discharge to the debtors.
Third Cir (PA-E)
In re Tezla, No. 08-12700DWS
(Bankr. E.D.. Pa.
)
2009-01-28 - (In re Tezla, No. 08-12700DWS, Bankr. E.D.. Pa., 1/28/2009, 13)
Third Cir (PA-E)
In re Brooks, 414 B.R. 65
(Bankr. E.D.Pa.
)
2009-01-27 - (In re Brooks, 414 B.R. 65 , Bankr. E.D.Pa., 1/27/2009, )
Eighth Cir (IA-N)
In re Pearce, 400 B.R. 126
(Bankr. N.D.Iowa
)
2009-01-27 - (In re Pearce, 400 B.R. 126 , Bankr. N.D.Iowa, 1/27/2009)
Third Cir (PA-W)
In re Owens, 400 B.R. 447
(Bankr. W.D. Pa.
)
2009-01-26 - (In re Owens, 400 B.R. 447, Bankr. W.D. Pa., 1/26/2009, 13)
Ninth Cir (AZ)
In re Roca, 404 B.R. 531
(Bankr. D.Ariz.
)
2009-01-26 - (In re Roca, 404 B.R. 531 , Bankr. D.Ariz., 1/26/2009)
Ninth Cir (9)
In re Blausey (Blausey v. U.S. Trustee), 552 F.3d 1124
(9th Cir.
)
2009-01-23 - (In re Blausey (Blausey v. U.S. Trustee), 552 F.3d 1124, 9th Cir., 01/23/09, 7, N/A )
Private disability insurance payments must be included as income for purposes of means test form.
Second Cir (NY-E)
In re Rahman, 400 B.R. 362
(Bankr. E.D.N.Y.
)
2009-01-23 - (In re Rahman, 400 B.R. 362 , Bankr. E.D.N.Y., 1/23/2009, 13, Above)
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.
Seventh Cir (IL-N)
In re Johnson, 400 B.R. 639
(Bankr. N.D.Ill.
)
2009-01-23 - (In re Johnson, 400 B.R. 639, Bankr. N.D.Ill., 1/23/2009, 13, Above)
Tenth Cir (OK-N)
In re Minardi, 399 B.R. 841
(Bankr. N.D.Okla.
)
2009-01-23 - (In re Minardi, 399 B.R. 841 , Bankr. N.D.Okla., 1/23/2009, 7)
Tenth Cir (OK-N)
In re Minardi, 399 B.R. 841
(N.D.Oklahoma
)
2009-01-23 - (In re Minardi, 399 B.R. 841, N.D.Oklahoma, 1/23/2009, )
Eighth Cir (MO-W)
In re Booker, 399 B.R. 662
(Bankr. W.D.Missouri
)
2009-01-23 - (In re Booker,399 B.R. 662, Bankr. W.D.Missouri,1/23/2009,7)
Case dismissed based on bad faith and totality of circumstances where debtor could reduce or eliminate unreasonable expenses, including $350 monthly "spending money" for incarcerated son.
"in assessing whether the filing was made in bad faith, this Court should focus more on conduct. Conversely, when assessing whether the case should be dismissed as an abuse based upon the totality of the Debtors' financial circumstances, the Court should consider primarily, if not exclusively, the Debtors' ability to pay."
Seventh Cir (IL-N)
In re Johnson, 400 B.R. 639
(Bankr.N.D.ILL.
)
2009-01-23 - (In re Johnson, 400 B.R. 639, Bankr.N.D.ILL., 01/23/09, 13, Above )
Use CMI for "applicable commitment period", but use use I and J or amendments to 22C to determining PDI to fund plan.
Third Cir (PA-E)
In re Parker, 400 B.R. 55
(Bankr. E.D. Pa.
)
2009-01-21 - (In re Parker, 400 B.R. 55 , Bankr. E.D. Pa., 1/21/2009, 13)
Third Cir (PA-E)
In re Dixon, No. 08-10510DWS
(Bankr. E.D.Pa.
)
2009-01-21 - (In re Dixon, No. 08-10510DWS, Bankr. E.D.Pa., 1/21/2009, 13)
Fourth Cir (NC-M)
In re Rhoades, Case No. 08-10758
(Bankr. M.D.N.C.
)
2009-01-21 - (In re Rhoades, Case No. 08-10758, Bankr. M.D.N.C., 1/21/2009, 7, Above
)
Fourth Cir (NC-M)
In re Christiansen, Case No. 08-50871
(Bankr. M.D.N.C.
)
2009-01-21 - (In re Christiansen, Case No. 08-50871, Bankr. M.D.N.C., 1/21/2009, 7)
Third Cir (PA-E)
In re Patton, No. 07-13996DWS
(Bankr. E.D. Pa
)
2009-01-20 - (In re Patton, No. 07-13996DWS, Bankr. E.D. Pa, 1/20/2009, 13)
Fifth Cir (5)
In re Morrison, 555 F.3d 473
(5th Cir.
)
2009-01-16 - (In re Morrison, 555 F.3d 473, 5th Cir., 1/16/2009)
Eighth Cir (MO-W)
In re George, No. 07-21574
(Bankr. W.D. Mo.
)
2009-01-16 - (In re George,No. 07-21574 , Bankr. W.D. Mo., 1/16/2009)
Ninth Cir (AZ)
In re McLane, No. 2:08-bk-15593-JMM
(Bankr.D.Ariz.
)
2009-01-14 - (In re McLane, No. 2:08-bk-15593-JMM, Bankr.D.Ariz., 1/14/2009)
Eighth Cir (AR-E)
In re Booth, 399 B.R. 316
(Bankr. E.D.Ark.
)
2009-01-14 - (In re Booth, 399 B.R. 316 , Bankr. E.D.Ark., 1/14/2009, 13)
First Cir (MA)
In re Dooley, 399 B.R. 340
(Bankr.D.Mass.
)
2009-01-13 - (In re Dooley, 399 B.R. 340 , Bankr.D.Mass., 1/13/2009, 7 )
Fifth Cir (TX-N)
In re Burks, 08-20346-RLJ-7
(Bankr. N.D.Tex.
)
2009-01-13 - (In re Burks, 08-20346-RLJ-7, Bankr. N.D.Tex., 1/13/2009, 7, Above)
Fourth Cir (VA-E)
In re Jasper, 414 B.R. 83
(Bankr. E.D. Virginia
)
2009-01-13 - (In re Jasper, 414 B.R. 83, Bankr. E.D. Virginia, 1/13/2009,7)
Section 704(b) does not create a limitations period for filing motions to dismiss for abuse, and that the UST was therefore not barred from bringing his motion.
Second Cir (2)
CFCU Community Credit Union v. Hayward (In re Hayward), 552 F.3d 253
(2d Cir.
)
2009-01-09 - (CFCU Community Credit Union v. Hayward (In re Hayward), 552 F.3d 253 , 2d Cir., 1/9/2009, 7)
Seventh Cir (IN-N)
In re Ellis, No. 07-20374 JPK
(Bankr. N.D.Ind.
)
2009-01-09 - (In re Ellis, No. 07-20374 JPK, Bankr. N.D.Ind., 1/9/2009, 7)
Seventh Cir (WI-E)
In re Larsen, 399 B.R. 634
(Bankr. E.D.Wis.
)
2009-01-09 - (In re Larsen, 399 B.R. 634 , Bankr. E.D.Wis., 1/9/2009, 7)
Ninth Cir (ID)
In re Reilly, No. 07-40499-JDP
(Bankr. D.Idaho
)
2009-01-09 - (In re Reilly, No. 07-40499-JDP, Bankr. D.Idaho, 1/9/2009, 13)
Fifth Cir (TX-E)
In re King, Case No. 08-41975
(Bankr. E.D.Tex.
)
2009-01-06 - (In re King, Case No. 08-41975, Bankr. E.D.Tex., 1/6/2009, 7, Above)
Seventh Cir (WI-E)
In re Mravik, 399 B.R. 202
(Bankr. E.D. Wis.
)
2008-12-31 - (In re Mravik, 399 B.R. 202, Bankr. E.D. Wis., 12/31/2008,7,Above)
In other words, the Court has discretion to deny a motion to dismiss a Chapter 7 case that is presumed abusive under the means test, but would, in complete compliance with Chapter 13, produce no payments to creditors.
Seventh Cir (7)
In re Belcher, 551 F.3d 688
(7th Cir.
)
2008-12-30 - (In re Belcher, 551 F.3d 688 , 7th Cir., 12/30/08)
Ninth Cir (CA-E)
In re Baeza, 398 B.R. 692
(Bankr.E.D.Cal.
)
2008-12-29 - (In re Baeza, 398 B.R. 692, Bankr.E.D.Cal., 12/29/2008,7,Above)
Sixth Cir (MI-W)
In re Gosnick, 400 B.R. 582
(Bankr. W.D.Mich.
)
2008-12-17 - (In re Gosnick, 400 B.R. 582 , Bankr. W.D.Mich., 12/17/2008, 7)
Seventh Cir (7)
In re Ross-Tousey, 549 F.3d 1148
(7th Cir.
)
2008-12-17 - (In re Ross-Tousey, 549 F.3d 1148, 7th Cir., 12/17/2008,7,Above)
Third Cir (PA-M)
In re Fonash, 401 B.R. 143
(M.D.Pennsylvania
)
2008-12-12 - (In re Fonash, 401 B.R. 143, M.D.Pennsylvania, 12/12/2008, 7, Above)
Seventh Cir (IL-C)
In re Burrell, 399 B.R. 620
(Bankr.C.D.Illinois
)
2008-12-11 - (In re Burrell, 399 B.R. 620, Bankr.C.D.Illinois,12/11/2008,13,)
Cash advances as current income. Court found that income is that which is "received" during six month period regardless of when it is "derived" or "earned".
Seventh Cir (IL-C)
In re Burrell, 399 B.R. 620
(Bankr. C.D. Ill.
)
2008-12-11 - (In re Burrell, 399 B.R. 620, Bankr. C.D. Ill., 12/11/2008, 13,)
Second Cir (NY-E)
In re Almonte, 397 B.R. 659
(Bankr.E.D.N.Y.
)
2008-12-09 - (In re Almonte, 397 B.R. 659, Bankr.E.D.N.Y.,12/9/2008, 13,
)
Credit card advances are not included in CMI.
Ninth Cir (MT)
In re Martellaro, 404 BR 548
(Bankr.D.Mont
)
2008-12-05 - (In re Martellaro, 404 BR 548, Bankr.D.Mont,12/5/2008, 13,)
Fourth Cir (VA-W)
In re Styles, 397 B.R.771
(Bankr. W.D. Va.
)
2008-11-21 - (In re Styles, 397 B.R.771, Bankr. W.D. Va., 11/21/2008,13,)
Ninth Cir (MT)
re Byrn, 410 B.R. 642
(Bankr. D. Mont.
)
2008-11-21 - ( re Byrn, 410 B.R. 642, Bankr. D. Mont., 11/21/2008)
Debtors are allowed a $200 operating expense for old vehicles. In re Ransom, 380 B.R. 799 (9th Cir. BAP 2007); In re Carlin, 348 B.R. 795, 796, 798 (Bankr. D.Or.2006); Internal Revenue Manual, Financial Analysis Handbook, Part 5, Chapter 8
First Cir (MA)
In re Bernard, 397 B.R. 605
(Bankr. D. Mass.
)
2008-11-20 - (In re Bernard, 397 B.R. 605, Bankr. D. Mass., 11/20/2008,7)
First Cir (ME)
In re Coffin, 396 B.R. 804
(Bankr.D.Me.
)
2008-11-18 - (In re Coffin, 396 B.R. 804, Bankr.D.Me., 11/18/2008,13,Above)
Eighth Cir (MO-W)
In re Schmidt, 397 B.R. 481
(Bankr. W.D.Missouri
)
2008-11-17 - (In re Schmidt, 397 B.R. 481, Bankr. W.D.Missouri, 11/17/2008,)
Tenth Cir (10)
Hamilton v. Lanning (In re Lanning), 545 F.1269
(10th Cir.
)
2008-11-13 - (Hamilton v. Lanning (In re Lanning), 545 F.1269, 10th Cir., 11/13/2008, 13, Above)
Fourth Cir (SC)
In re Calhoun, 396 BR 270
(Bankr.D. South Carolina
)
2008-11-10 - (In re Calhoun, 396 BR 270, Bankr.D. South Carolina, 11/10/2008,7,Above)
Abuse found under "totality of circumstances" where expenses of debtors with incomes more than 2X the state median were found to be unreasonable and excessive. Also evidence of prior payments to creditors shows that debtor do have an ability to pay, and therefore abuse is found under 703(b).
Fourth Cir (MD)
SunTrust Bank v. Millard, 414 B.R. 73
(D. Md.
)
2008-11-07 - (SunTrust Bank v. Millard, 414 B.R. 73, D. Md., 11/7/2008,13)
Seventh Cir (IL-N)
In re Royal, 397 BR 88
(Bankr. N.D. Ill.
)
2008-11-07 - (In re Royal, 397 BR 88, Bankr. N.D. Ill., 11/07/08, 13, Below)
Sixth Cir (OH-N)
In re Harter, 397 B.R. 860
(Bankr.N.D.Ohio
)
2008-11-05 - (In re Harter, 397 B.R. 860, Bankr.N.D.Ohio, 11/5/2008,7)
Income of non filing spouse found relevant in a "totality of circumstances" dismissal. Ohio law creates a duty of one spouse to support the other, and debtor's car payments exceeded her income.
Sixth Cir (OH-N)
In re Violanti, 397 B.R. 852
(Bankr.N.D.Ohio
)
2008-11-04 - (In re Violanti,397 B.R. 852, Bankr.N.D.Ohio, 11/4/2008,7)
Sixth Cir (6-BAP)
In re Thomas, 395 B.R. 914; 922
(6th Cir. BAP
)
2008-10-31 - (In re Thomas, 395 B.R. 914; 922, 6th Cir. BAP, 10/31/2008,13,Above)
Sixth Cir (6)
Hildebrand v. Thomas (In re Thomas), 395 B.R. 914
(BAP 6th Cir.
)
2008-10-31 - (Hildebrand v. Thomas (In re Thomas), 395 B.R. 914, BAP 6th Cir., 10/31/2008, 13)
Secured debt payments for collateral to be surrendered may be deducted.
Third Cir (PA-M)
In re Baden, 396 B.R. 617
(Bankr. M.D. Pa.
)
2008-10-30 - (In re Baden, 396 B.R. 617, Bankr. M.D. Pa., 10/30/2008,13,)
unemployment compensation is not a "benefit received under the Social Security Act" and, therefore, should be included in the calculation of CMI.
Fourth Cir (NC-E)
Coastal Federal Credit Union v Hardiman, 398 BR 161
(E.D.N.C.
)
2008-10-28 - (Coastal Federal Credit Union v Hardiman, 398 BR 161, E.D.N.C., 10/28/2008,)
Eighth Cir (8)
In re Frederickson (Coop v. Frederickson), 545 F.3d 652
(8th Cir
)
2008-10-27 - (In re Frederickson (Coop v. Frederickson), 545 F.3d 652, 8th Cir, 10/27/08, 13, Above )
Second Cir (2)
In re Peaslee, 547 F.3d 177
(2nd Cir.
)
2008-10-25 - (In re Peaslee, 547 F.3d 177, 2nd Cir., 10/25/2008,)
cert'd, Matter of Peaslee, ___ N.E.2d ___, 2009 WL 1766000 (N.Y. June 24, 2009).
Fourth Cir (VA-E)
In re Demesones, 406 B.R. 711
(Bankr. E.D. Virgina
)
2008-10-24 - (In re Demesones, 406 B.R. 711, Bankr. E.D. Virgina,10/24/2008,7,)
Fourth Cir (NC-M)
In re Lipford, 397 BR 320
(Bankr. M.D. N.C.
)
2008-10-17 - (In re Lipford, 397 BR 320, Bankr. M.D. N.C., 10/17/2008,13, Above)
Sixth Cir (6-BAP)
In re Petro, 395 BR 369
(6th Cir BAP
)
2008-10-17 - (In re Petro, 395 BR 369, 6th Cir BAP, 10/17/2008, 13, Above)
Form B22C can not be determinative of the debtor's "projected disposable income" because it does not take into account the debtor's circumstances as of the petition date or foreseeable changes in circumstances in income during the plan commitment period.
(citing In re Kibbe)
Ninth Cir (ID)
In re Stansell, 395 B.R. 457; 461-462
(Bankr. D. Idaho
)
2008-10-16 - (In re Stansell, 395 B.R. 457; 461-462, Bankr. D. Idaho, 10/16/2008,13,)
Eighth Cir (8-BAP)
In re Draisey, 395 B.R.79
(8th Cir. BAP
)
2008-10-16 - (In re Draisey, 395 B.R.79, 8th Cir. BAP, 10/16/2008)
Seventh Cir (WI-E)
In re Hilton, 395 B.R. 433
(Bankr.E.D.Wis.
)
2008-10-15 - (In re Hilton, 395 B.R. 433, Bankr.E.D.Wis., 10/15/2008,13,Above)
while there is presumption, with respect to above-medium-income debtors, that "means test" calculation will produce the "projected disposable income" that debtors must devote to payment of unsecured claims, presumption may be rebutted by a showing as to why amount to be paid to unsecured creditors under the "means test" is no longer reasonable
Fifth Cir (5)
In re Campbell, 545 F.3d 348
(5th Cir.
)
2008-10-13 - (In re Campbell, 545 F.3d 348, 5th Cir., 10/13/2008)
Fourth Cir (VA-E)
In re Wyatt, NO. 08-14792
(Bankr. E.D.Va.
)
2008-10-10 - (In re Wyatt, NO. 08-14792, Bankr. E.D.Va.,10/10/2008,13,Above)
Veterans disability payments cannot be excluded from Income calculation
Ninth Cir (9)
Espinosa v. United Student Aid Funds Inc., 553 F. 3d 1193
(9th Circuit
)
2008-10-02 - (Espinosa v. United Student Aid Funds Inc., 553 F. 3d 1193, 9th Circuit, 10/2/2008,13)
Our long-standing circuit law holds that student loan debts can be discharged by way of a Chapter 13 plan if the creditor does not object, after receiving notice of the proposed plan, Pardee, 193 F.3d at 1086, and that such notice is not constitutionally inadequate. In re Gregory, 705 F.2d at 1123.
Sixth Cir (OH-N)
In re Baughman, 2008 WL 4487879
(Bankr.N.D.Ohio
)
2008-09-30 - (In re Baughman, 2008 WL 4487879, Bankr.N.D.Ohio, 9/30/2008,13,Above,Case No. 07-63208
)
Fourth Cir (NC-E)
In re Musselman (Musselman v. eCast Settlement Corp.), 394 B.R. 801
(E.D.N.C.
)
2008-09-30 - (In re Musselman (Musselman v. eCast Settlement Corp.), 394 B.R. 801, E.D.N.C., 09/30/08, 13, Above )
Fourth Cir (NC-E)
Haenke (Lynch v. Haenke), 395 B.R. 346
(E.D. N.C.
)
2008-09-30 - (Haenke (Lynch v. Haenke), 395 B.R. 346, E.D. N.C., 9/30/2008,7)
Sixth Cir (KY-E)
In re Ragle, 395 B.R. 387
(E.D.Ky.
)
2008-09-29 - (In re Ragle, 395 B.R. 387, E.D.Ky., 9/29/2008,7, Above)
Eleventh Cir (FL-M)
In re Reese, 402 B.R. 43
(Bankr. M.D. Floricda
)
2008-09-29 - (In re Reese, 402 B.R. 43,Bankr. M.D. Floricda,9/29/2008,7)
the following ten factors may be indicia of bad faith under a Section 707(b)(3)(A) analysis:
(1) the debtor has only one asset in which it does not hold legal title;
(2) the debtor has few unsecured creditors whose claims are small in relation to the claims of the secured creditors;
(3) the debtor has few employees;
(4) the debtor is not financially distressed;
(5) the property is the subject of a foreclosure action as a result of arrearages on the debt;
(6) the debtor's financial problems involve essentially a dispute between the debtor and the secured creditors which can be resolved in a state court action;
(7) the timing of the debtor's filing evidences an intent to delay or frustrate the legitimate efforts of the debtor's secured creditors to enforce their rights;
(8) the debtor made purchases on the eve of filing; (9) incomplete or false disclosures by the debtor; and
(10) failure by the debtor to cooperate with the trustee.
Fourth Cir (SC)
In re Waller, 394 B.R. 111
(Bankr.D.S.C.
)
2008-09-25 - (In re Waller, 394 B.R. 111, Bankr.D.S.C., 9/25/2008, )
Fourth Cir (NC-m)
In re Shelor, No. 08-80738C-13D
(Bankr. M.D.N.C.
)
2008-09-23 - (In re Shelor, No. 08-80738C-13D, Bankr. M.D.N.C., 9/23/2008)
Seventh Cir (IN-S)
In re Hedge, 394 B.R. 463
(Bankr. S.D. Ind.
)
2008-09-17 - (In re Hedge, 394 B.R. 463, Bankr. S.D. Ind., 9/17/2008, 13,)
Debtor's veterans benefits had to be included in calculation of debtor's CMI as such benefits are not specifically excluded from CMI by statute.
Tenth Cir (CO)
In re Williams, 394 B.R. 550
(Bankr.D.Colo.
)
2008-09-12 - (In re Williams, 394 B.R. 550, Bankr.D.Colo., 9/12/2008,13,Above)
Second Cir (NY-N)
In re Pearl, 394 B.R. 309
(Bankr.N.D.N.Y.
)
2008-09-10 - (In re Pearl, 394 B.R. 309, Bankr.N.D.N.Y., 9/10/2008,13/Above)
Fifth Cir (MS-N)
In re White, 393 B.R. 436
(Bankr.N.D.Miss.
)
2008-09-09 - (In re White, 393 B.R. 436, Bankr.N.D.Miss., 9/9/2008,13,Above)
Eleventh Cir (GA-s)
In re Molitor, 395 B.R. 197
(Bankr. S.D.Ga.
)
2008-09-05 - (In re Molitor, 395 B.R. 197, Bankr. S.D.Ga., 9/5/2008, 7)
The 10 day limitation of Section 704(b)(1)(A) runs from the conclusion of the Meeting of Creditors.
Ninth Cir (9)
In re Tippett, 542 F. 3d 684
(9th Cir.
)
2008-09-04 - (In re Tippett, 542 F. 3d 684, 9th Cir., 9/4/2008, 7)
Eighth Cir (8-BAP)
In re Powell, 392 B.R. 407; 408
(8th Cir. BAP
)
2008-09-02 - (In re Powell, 392 B.R. 407; 408, 8th Cir. BAP, 9/2/2008,7,)
Ninth Cir (9)
In re Kagenveama, 541 F.3d 868
(9th Cir.
)
2008-08-23 - (In re Kagenveama, 541 F.3d 868, 9th Cir., 08/23/2008, 13, Above )
Ninth Circuit case that runs counter to many in holding that Chapter 13 projected income is a automatic muliplier of 6-month CMI at time of filing.
Seventh Cir (IL-C)
In re Sharp, 394 B.R. 207; 213
(Bankr. C.D. Ill.
)
2008-08-21 - (In re Sharp, 394 B.R. 207; 213, Bankr. C.D. Ill., 08/21/2008,13)
Follows Wiegand on self-employed business expenses.
Cir ()
In re Bembenek, 2008 WL 2704289
(Bankr.E.D.Wis.
)
2008-08-21 - (In re Bembenek, 2008 WL 2704289, Bankr.E.D.Wis.,8/21/2008,13,)
Cited by In Re Sharp in following Wiegand and Arnold. All three cases hold that, to the extent the B22C form allows business expenses to be deducted in the initial calculation of current monthly income, the Code controls and the conflicting portions of the form must be disregarded.
Tenth Cir (KS)
In re Hoss, 392 BR 463
(Bankr. D. Kansas
)
2008-08-20 - (In re Hoss, 392 BR 463, Bankr. D. Kansas, 8/20/2008, 13, Above)
whether an above-median income debtor who seeks to cram-down or strip off a secured creditor in chapter 13 can deduct from current monthly income on Line 47 of Form B22C, the average future monthly payments to the secured creditor based upon the original, unmodified contract or only the amount equal to what debtor intends to actually pay under the plan.
First Cir (MA)
In re Lane, 394 B.R. 248
(Bankr.D.Mass.
)
2008-08-19 - (In re Lane, 394 B.R. 248, Bankr.D.Mass., 08/19/2008,13,Above)
Ninth Cir (CA-N)
In re Ryder, 2008 WL 3845246
(Bank. N.D. Cal.
)
2008-08-18 - (In re Ryder, 2008 WL 3845246, Bank. N.D. Cal., 8/18/2008,,,No. 07-40192)
Second Cir (NY-E)
In re Martinez, 392 B.R. 530
(Bankr. E.D.N.Y.
)
2008-08-18 - (In re Martinez, 392 B.R. 530 , Bankr. E.D.N.Y., 8/18/2008)
Sixth Cir (MI-w)
In re McGruder, Case No. DL 06-03201
(Bankr. W.D. Mich.
)
2008-08-14 - (In re McGruder, Case No. DL 06-03201 , Bankr. W.D. Mich., 8/14/2008, 13)
The court dismissed the debtors case because debtor was not allowed to favor plan payments over paying post-petition federal taxes. http://www.miwb.uscourts.gov/Opinions/pdfs/in%20re%20mcgryder.pdf
Eighth Cir (8-BAP)
In re Zahn, 391 B.R.840
(8th Cir. BAP
)
2008-08-14 - (In re Zahn, 391 B.R.840, 8th Cir. BAP, 8/14/2008,13,)
Second Cir (NY-S)
In re Tompkins, 391 B.R. 560
(Bankr.. S.D.N.Y.
)
2008-08-13 - (In re Tompkins, 391 B.R. 560 , Bankr.. S.D.N.Y., 8/13/2008, 13)
Seventh Cir (WI-E)
In re Cruz, 2008 WL 3346583
(Bankr. E.D. Wis.
)
2008-08-11 - (In re Cruz, 2008 WL 3346583, Bankr. E.D. Wis., 8/11/2008,,,No. 08-23419, )
First Cir (MA)
In re Young, 392 B.R. 6
(Bankr.D.Mass.
)
2008-08-08 - (In re Young,392 B.R. 6, Bankr.D.Mass., 08/08/2008,)
Ninth Cir (AZ)
In re Watkins, 2008 WL 2475749
(Bankr.D.Ariz.
)
2008-08-08 - (In re Watkins, 2008 WL 2475749, Bankr.D.Ariz., 8/8/2008,13,Above)
Eleventh Cir (11)
In re Graupner, 537 F.3d 1295
(11th Cir.
)
2008-08-06 - (In re Graupner, 537 F.3d 1295, 11th Cir., 8/6/2008,)
Fourth Cir (SC)
In re Namie, 395 BR 594
(Bankr. D. South Carolina
)
2008-08-05 - (In re Namie, 395 BR 594, Bankr. D. South Carolina, 8/5/2008,13)
No evidence was presented that demonstrates Debtor's mortgage expense is reasonably necessary. As in Wolf, Debtor's housing expense is more than five times that allowed by the I.R.S. and is not reasonable or necessary considering Debtor's family size, income level, location, and lack of other special needs. See In re Wolf, C/A No. 07-06119-D, slip op., 2008 WL 2117156, *5 (Bankr.D.S.C. May 16, 2008) (dismissing a chapter 7 case for abuse); Kaminski, 387 B.R. at 193 (discussing factors to be considered in determining whether a housing expense is excessive).
Eighth Cir (NE)
In re Marti, 393 B.R. 697
(Bankr. Neb.
)
2008-08-04 - (In re Marti, 393 B.R. 697, Bankr. Neb., 8/4/2008, 13, Below)
Cir (NC)
In re Crink, 402 B.R. 195
(Bankr. M.D. N.C.
)
2008-07-31 - (In re Crink, 402 B.R. 195, Bankr. M.D. N.C., 7/31/2008, 7,)
Debtor should get cheaper housing: Court finds debtors family housing budget "excessive" (5,000 sq ft house for family of 3) and finds abuse based on actual ability to pay if debtor changed lifestyle.
First Cir (ME)
In re Winslow, 391 B.R. 212
(Bankr. D.Me.
)
2008-07-30 - (In re Winslow, 391 B.R. 212, Bankr. D.Me., 7/30/2008)
Seventh Cir (IL-N)
In re Mayer, 388 BR 869
(Bankr. ND Illinois
)
2008-07-29 - (In re Mayer, 388 BR 869,Bankr. ND Illinois, 7/29/2008)
Ninth Cir (9-BAP)
In re Penrod, 392 B.R. 835
(9th Cir. BAP
)
2008-07-28 - (In re Penrod, 392 B.R. 835, 9th Cir. BAP, 7/28/2008,)
Americredit receives purchase money status for that portion of its collateral not allocable to negative equity.
Tenth Cir (10-BAP)
In re Pearson, 390 B.R. 706
(10th Cir. BAP
)
2008-07-28 - (In re Pearson, 390 B.R. 706, 10th Cir. BAP, 7/28/2008)
Tenth Cir (10-BAP)
In re Pearson, 390 B.R. 706
(10th Cir. BAP
)
2008-07-28 - (In re Pearson, 390 B.R. 706, 10th Cir. BAP, 07/28/2008,13,Above)
Second Cir (NY-N)
In re Koch, 391 B.R. 230
(Bankr.N.D.N.Y.
)
2008-07-25 - (In re Koch, 391 B.R. 230, Bankr.N.D.N.Y., 07/25/2008,13,Above)
Eleventh Cir (FL-M)
In re Pariseau, 395 BR 492
(Bankr. MD Florida
)
2008-07-24 - (In re Pariseau, 395 BR 492, Bankr. MD Florida, 7/24/2008)
FDCPA is not intended to provide a remedy for claims filed in a bankruptcy proceeding
Fifth Cir (5)
Young v. Repine (In re Repine), 536 F.3d 512
(5th Cir.
)
2008-07-22 - (Young v. Repine (In re Repine), 536 F.3d 512, 5th Cir., 7/22/2008)
Fifth Cir (TX-s)
In re Brodowski, 391 BR 393
(Bankr. S.D.Tex.
)
2008-07-22 - (In re Brodowski, 391 BR 393, Bankr. S.D.Tex., 7/22/2008)
Sixth Cir (TN-M)
In re Geddes, No. 308-00713
(Bankr. M.D. Tenn
)
2008-07-17 - (In re Geddes, No. 308-00713, Bankr. M.D. Tenn, 7/17/2008)
Third Cir (PA-m)
In re Mancini, 390 BR 796
(Bankr. M.D.Pa.
)
2008-07-15 - (In re Mancini, 390 BR 796, Bankr. M.D.Pa., 7/15/2008)
Sixth Cir (OH-S)
In re May, 390 B.R. 338
(Bankr.S.D.Ohio
)
2008-07-07 - (In re May, 390 B.R. 338, Bankr.S.D.Ohio, 7/7/2008,13,Above)
Seventh Cir (WI-E)
In re Bembenek, No. 08-22607
(Bankr. E.D. Wis.
)
2008-07-02 - (In re Bembenek, No. 08-22607 , Bankr. E.D. Wis., 07/02/2008)
Seventh Cir (WI-E)
In re Reinstein, 393 B.R. 838
(Bankr.E.D.Wis.
)
2008-06-28 - (In re Reinstein,393 B.R. 838, Bankr.E.D.Wis., 6/28/2008,13,Above)
Sixth Cir (TN-E)
In re Clark, 393 B.R. 578
(Bankr.E.D.Tenn.
)
2008-06-27 - (In re Clark, 393 B.R. 578, Bankr.E.D.Tenn., 6/27/2008)
Fourth Cir (4)
Tidewater Finance Co. v. Kenney (In re Kenney), 531 F.3d 312
(4th Cir
)
2008-06-25 - (Tidewater Finance Co. v. Kenney (In re Kenney), 531 F.3d 312, 4th Cir, 6/25/2008, 13, )
hanging paragraph does not allow preclude holders of secured debt from pursuing deficiency judgment after surrender of secured property.
Second Cir (NY-S)
In re Osei, 389 B.R. 339
(Bankr.S.D.N.Y.
)
2008-06-25 - (In re Osei, 389 B.R. 339, Bankr.S.D.N.Y., 6/25/2008,13, Above)
a Chapter 13 debtor deduct the full amount permitted by IRS standards on their means test, even if their actual expenses are lower
Tenth Cir (KS)
In re DeThample, 390 B.R. 716
(Bankr.D.Kan.
)
2008-06-24 - (In re DeThample, 390 B.R. 716, Bankr.D.Kan., 6/24/2008,13,Above )
Ninth Cir (AZ)
In re Regevig, 389 B.R. 736
(Bankr.D. Ariz.
)
2008-06-24 - (In re Regevig, 389 B.R. 736, Bankr.D. Ariz., 6/24/2008)
Seventh Cir (IL-C)
In re Greer, 388 B.R. 889
(Bankr.C.D.Ill.
)
2008-06-20 - (In re Greer, 388 B.R. 889, Bankr.C.D.Ill., 6/20/2008,13,Above)
Fourth Cir (WV-N)
In re Quigley, 391 B.R. 294
(Bankr. N.D. W.Va.
)
2008-06-20 - (In re Quigley, 391 B.R. 294,Bankr. N.D. W.Va., 6/20/2008,both,)
First Cir (NH)
In re Perrotta, No. 07-11614
(Bankr. D. N.H.
)
2008-06-17 - (In re Perrotta, No. 07-11614, Bankr. D. N.H., 6/17/2008)
Third Cir (DE)
In re Baker, 390 B.R. 524
(D.Delaware
)
2008-06-10 - (In re Baker, 390 B.R. 524, D.Delaware, 6/10/2008,)
The Court finds that, under the Third Circuit's opinion in Price,[2] the Debtors' car loan "passed through" the bankruptcy case unaffected because the Debtors timely entered into a reaffirmation agreement and they are current with their payments. The Court further finds that there was no basis for repossession under Delaware law because the only default that Creditor could assert was based on an unenforceable ipso facto clause. Finally, because the repossession of the Debtors' vehicle was a violation of the discharge injunction, the Court will order Creditor to return the vehicle and will award compensatory damages to the Debtors.
Third Cir (DE)
In re Smale, 390 B.R.111
(Bankr. D. Del.
)
2008-06-09 - (In re Smale, 390 B.R.111, Bankr. D. Del., 6/9/2008,7,)
First Cir (MA)
In re Mati, 390 B.R. 11
(Bankr.D.Mass.
)
2008-06-09 - (In re Mati, 390 B.R. 11, Bankr.D.Mass., 06/09/2008,13,Above)
Second Cir (VT)
In re Munzberg, 388 BR 529
(Bankr. D.Vt.
)
2008-06-03 - (In re Munzberg, 388 BR 529, Bankr. D.Vt., 6/3/2008)
Fifth Cir (TX-S)
In re Gonzalez, 388 B.R. 292
(Bankr.S.D.Tex.
)
2008-06-03 - (In re Gonzalez, 388 B.R. 292, Bankr.S.D.Tex., 06/03/2008,13,Above)
Sixth Cir (6)
Schultz v. U.S., 529 F.3d 343
(C.A.6 (Tenn.)
)
2008-06-02 - (Schultz v. U.S., 529 F.3d 343, C.A.6 (Tenn.),6/2/2008,13,)
Fourth Cir (VA-E)
In re Hoskings, 2008 WL 2235350
(Bankr. E.D. Virgina
)
2008-05-28 - (In re Hoskings, 2008 WL 2235350, Bankr. E.D. Virgina, 5/28/2008,both,
)
Tenth Cir (KS)
In re Padgett, 389 B.R. 203
(Bankr. D. Kan.
)
2008-05-27 - (In re Padgett, 389 B.R. 203, Bankr. D. Kan., 5/27/2008)
Fourth Cir (SC)
In re Ballard, 526 F.3d 634
(C.A.10
)
2008-05-19 - (In re Ballard, 526 F.3d 634, C.A.10,5/19/2008, 13, Above )
when a Chapter 13 debtor surrenders a "910 vehicle," the hanging paragraph does not abrogate the creditor's right to assert a deficiency claim authorized by state law
Sixth Cir (KY-e)
In re Emery, 387 B.R. 721
(Bank.E.D.Ky.
)
2008-05-16 - (In re Emery, 387 B.R. 721, Bank.E.D.Ky., 5/16/2008)
Sixth Cir (OH-N)
In re Blankenship, 398 B.R. 457
(Bankr.N.D.Ohio
)
2008-05-15 - (In re Blankenship,398 B.R. 457, Bankr.N.D.Ohio, 5/15/2008,7,)
Seventh Cir (WI-W)
In re Martinez, 391 B.R. 424
(Bankr. E.D. Wisconsin
)
2008-05-08 - (In re Martinez, 391 B.R. 424,Bankr. E.D. Wisconsin, 5/8/2008,7,Above)
debtors were limited to the expenses allowed by the IRS Standards only, disallowing the $200 allowance for older cars because it did not appear in the means test and expenses outside the means test may only be argued as a special circumstance.
Second Cir (CT)
In re Caraballo, 386 BR 398
(Bankr.D.Connecticut
)
2008-04-29 - (In re Caraballo, 386 BR 398, Bankr.D.Connecticut, 4/29/2008,)
Second Cir (NY-N)
In re Schneider, 2008 WL 1885768
(Bankr.N.D.N.Y.
)
2008-04-28 - (In re Schneider, 2008 WL 1885768, Bankr.N.D.N.Y., 4/28/2008, 13,Above)
For purposes of calculating their disposable income on Form 22C, Debtors may, and do, properly utilize the full expense amount specified under the Local Standards issued by the IRS.
Fifth Cir (TX-E)
In re Long, 390 B.R. 581
(Bankr.E.D.Tex.
)
2008-04-25 - (In re Long, 390 B.R. 581, Bankr.E.D.Tex., 04/25/2008,13,Above)
Eleventh Cir (FL-N)
In re Curcio, 387 B.R. 278
(Bankr. N.D. Fla.
)
2008-04-22 - (In re Curcio, 387 B.R. 278, Bankr. N.D. Fla., 4/22/2008)
Eighth Cir (AR-E)
In re Egbert, 384 B.R. 818
(Bankr.E.D.Ark.
)
2008-04-10 - (In re Egbert, 384 B.R. 818, Bankr.E.D.Ark., 4/10/2008,13,Above)
Tenth Cir (KS)
In re Champagne, 389 B.R. 191
(Bankr.D.Kan.
)
2008-04-04 - (In re Champagne, 389 B.R. 191, Bankr.D.Kan., 4/04/2008,)
Fifth Cir (TX-E)
In re Louviere, 389 BR 502
(Bankr. E.D. Texas
)
2008-04-04 - (In re Louviere, 389 BR 502, Bankr. E.D. Texas, 4/4/2008,13,Above)
Ninth Cir (9-BAP)
In re Wiegand (Drummond v. Wiegand), 386 B.R. 238
(9th Cir. BAP
)
2008-04-03 - (In re Wiegand (Drummond v. Wiegand), 386 B.R. 238, 9th Cir. BAP, 4/3/2008, 13, Above )
Eighth Cir (8-BAP)
In re Lasowski, 384 BR 205
(BAP 8th Cir.
)
2008-03-31 - (In re Lasowski, 384 BR 205, BAP 8th Cir., 03/31/08, 13, Above )
Fifth Cir (TX-N)
In re Owsley, 384 B.R. 739
(Bankr.N.D.Tex.
)
2008-03-31 - (In re Owsley,384 B.R. 739, Bankr.N.D.Tex., 3/31/2008,13,Above)
Eleventh Cir (FL-M)
In re Mootosammy, 387 BR 291
(Bankr MD Florida
)
2008-03-31 - (In re Mootosammy, 387 BR 291, Bankr MD Florida, 3/31/2008,7,)
How to use Florida personal property exemptions to remove a lien that impairs an exemption on a truck.
Tenth Cir (KS)
In re Close, 384 B.R. 856
(D. Kan.
)
2008-03-28 - (In re Close, 384 B.R. 856, D. Kan., 3/28/2008,7)
Sixth Cir (OH-S)
In re Anderson, 383 B.R. 699
(Bankr.S.D.Ohio
)
2008-03-21 - (In re Anderson, 383 B.R. 699, Bankr.S.D.Ohio, 03/21/08, 13, Above )
Seventh Cir (IL-S)
Simon v. Zittel (In re Zittel), 2008 WL 750346
(Bankr. S.D. Ill.
)
2008-03-19 - (Simon v. Zittel (In re Zittel), 2008 WL 750346, Bankr. S.D. Ill., 3/19/2008,)
Seventh Cir (IL-S)
In re Walster, Case No. 07-31719
(Bankr.S.D.Ill.
)
2008-03-19 - (In re Walster, Case No. 07-31719, Bankr.S.D.Ill., 03/19/08, 13, N/A )
Seventh Cir (WI-E)
Grossman v. Sawdy, 384 B.R. 199
(E.D.Wis.
)
2008-03-17 - (Grossman v. Sawdy, 384 B.R. 199, E.D.Wis., 03/17/08, 13, Above )
Eighth Cir (MO-W)
In re Mowris, 384 BR 235
(Bankr.W.D. Missouri
)
2008-03-17 - (In re Mowris, 384 BR 235 ,Bankr.W.D. Missouri, 3/17/2008,7,Above)
Eleventh Cir (FL-M)
In re Holmes, Case No. 07-4081
(Bankr.M.D.Fla.
)
2008-03-17 - (In re Holmes, Case No. 07-4081, Bankr.M.D.Fla., 03/17/08, 13, Above )
Eighth Cir (8-BAP)
In re Wilson, 383 B.R. 729
(8th Cir. BAP
)
2008-03-14 - (In re Wilson, 383 B.R. 729, 8th Cir. BAP, 03/14/08, 13, Above )
Ninth Cir (MT)
United States Trustee v. Deadmond (In re Deadmond), 2008 WL 191165
(D.Mont.
)
2008-03-14 - (United States Trustee v. Deadmond (In re Deadmond), 2008 WL 191165, D.Mont., 3/14/2008,13,Above)
Sixth Cir (KY-W)
In re French, 383 B.R. 402
(Bankr.W.D.Ky.
)
2008-03-13 - (In re French, 383 B.R. 402, Bankr.W.D.Ky., 03/13/08, 13, Above )
Eighth Cir (AR-E)
In re Colclasure, 2008 WL 726896
(Bankr.E.D.Ark.
)
2008-03-12 - (In re Colclasure, 2008 WL 726896, Bankr.E.D.Ark., 03/12/08, 13, Above )
Eleventh Cir (FL-S)
In re Patterson, 392 B.R. 497
(Bankr. S.D. Fla.
)
2008-03-07 - (In re Patterson, 392 B.R. 497, Bankr. S.D. Fla., 3/7/2008,7)
The proceeds of two of these loans were used to fund Angelia Patterson's undergraduate and graduate education. The proceeds of the third loan has been used to fund the education of the Debtors' adult daughter. While it may be laudable for the Debtors to support their adult daughter's education, "it cannot be justified in the bankruptcy context. It forces the debtors' creditors to support the debtors' adult children." In re Siemen, 294 B.R. 276, 279 (Bankr.E.D.Mich.2003). "[C]ourts generally agree that educational expenses for adult children are discretionary; and are not expenses that should be foisted upon a debtor's pre-petition creditors." In re Staub, 256 B.R. 567, 571 (Bankr.M.D.Pa. 2000). See also United States Trustee v. Harrelson, 323 B.R. 176 (W.D.Va.2005) (finding debtors have no duty to pay for adult child's college expenses); In re Richmond, 144 B.R. 539, 542 (Bankr.W.D.Okla. 1992) ("debtors' unsecured creditors should [not] be required to contribute to the voluntary support of family members who are not dependents of the debtors"). This consensus is unchanged under BAPCPA. In re Pfahler, 2007 WL 2156401 (Bankr.N.D.Ohio July 26, 2007); In re Mattingly, 2007 WL 1830805 (Bankr. S.D.Iowa June 22, 2007). An adult child attending college is not a special circumstance that is out of the ordinary for an average family which leaves the Debtors no reasonable alternative but to incur the expense. Absent evidence that the Debtors' adult daughter is chronically ill or disabled as contemplated by the allowance for continued contributions for the care of family members on Official Form 22 A at Line 35, the Court must disallow the listed expense of $400.00 per month for Debtors' adult daughter's living expenses and must also disallow the expense of $287.94 per month for servicing the student loan that funds their adult daughter's education.
Fourth Cir (NC-E)
In re Pearson, No. 07-00478
(Bankr. E.D.N.C.
)
2008-03-07 - (In re Pearson, No. 07-00478, Bankr. E.D.N.C., 3/7/2008)
Seventh Cir (WI-E)
In re Bodegom Smith, 383 BR 441
(Bankr.E.D.Wis.
)
2008-03-06 - (In re Bodegom Smith, 383 BR 441, Bankr.E.D.Wis., 03/06/08, 13, Above )
First Cir (ME)
In re Look, 383 BR 210
(Bankr.Maine
)
2008-03-06 - (In re Look,383 BR 210,Bankr.Maine, 3/6/2008, 13, )
because the secured claim at issue is comprised of both purchase-money and nonpurchase-money components, it is subject to modification in the debtors' Chapter 13 plan
Eleventh Cir (GA-N)
In re Walker, 383 B.R. 830
(Bankr.N.D.Ga.
)
2008-03-05 - (In re Walker, 383 B.R. 830, Bankr.N.D.Ga., 03/05/08, 7, N/A )
Third Cir (NJ)
In re Liverman, 2008 WL 768727
(Bankr.D.N.J.
)
2008-03-05 - (In re Liverman, 2008 WL 768727, Bankr.D.N.J., 03/05/08, 13, Above )
Tenth Cir (KS)
Wieland v. Thomas, 382 B.R. 793
(D.Kan.
)
2008-03-04 - (Wieland v. Thomas, 382 B.R. 793, D.Kan., 03/04/08, 7, N/A)
Fourth Cir (NC-M)
In re Montgomery, 2008 WL 597180
(Bankr.M.D.N.C.
)
2008-03-04 - (In re Montgomery, 2008 WL 597180, Bankr.M.D.N.C., 03/04/08, 13, Above )
Fourth Cir (SC)
In re Allawas, Case No. 07-06058
(Bankr.D.S.C.
)
2008-03-03 - (In re Allawas, Case No. 07-06058, Bankr.D.S.C., 03/03/08, 13, Below )
denying confirmation, despite the use of exempt social security income, for lack of good faith where debtor proposed to retain an expensive motorcycle as a second vehicle
Ninth Cir (CA-N)
In re Sandifer, No. 07-11227
(Bankr. N.D. Cal.
)
2008-03-03 - (In re Sandifer, No. 07-11227, Bankr. N.D. Cal., 3/3/2008,,,)
Fourth Cir (NC-M)
In re Wilson, 397 B.R. 299
(Bankr.M.D.N.C.
)
2008-03-03 - (In re Wilson, 397 B.R. 299, Bankr.M.D.N.C., 03/03/2008,13,Above)
Seventh Cir (IN-S)
In re Springirth, 2008 WL 74138
(Bankr.S.D.Ind.
)
2008-02-29 - (In re Springirth, 2008 WL 74138, Bankr.S.D.Ind., 02/29/08, 7, N/A )
Third Cir (PA-E)
In re Redley, 2008 WL 597947
(Bankr.E.D.Pa.
)
2008-02-28 - (In re Redley, 2008 WL 597947, Bankr.E.D.Pa., 02/28/08, 13, Above )
Second Cir (CT)
In re Roberts, 2008 WL 542503
(Bankr.D.Conn.
)
2008-02-28 - (In re Roberts, 2008 WL 542503, Bankr.D.Conn., 02/28/08, 13, Above )
overruling objection by chapter 13 trustee and allowing debtor to deduct the full amount of a transportation ownership expense for a vehicle she owned free and clear of any lease or other encumbrance
Seventh Cir (IL-C)
In re White, 2008 WL 538978
(Bankr.C.D.Ill.
)
2008-02-28 - (In re White, 2008 WL 538978, Bankr.C.D.Ill., 02/28/08, 13, Above )
[1] As other courts have noted, an additional operating expense of $200 is allowed such a taxpayer on a car that is over six years old and has reported mileage of 75,000 or more. In re Ransom, 380 B.R. 799 (9th Cir.BAP 2007).
Seventh Cir (IL-C)
In re White, 382 B.R. 751
(Bankr.C.D.Ill.
)
2008-02-28 - (In re White, 382 B.R. 751, Bankr.C.D.Ill., 2/28/2008,)
Sixth Cir (KY-E)
In re Riggs, 2007 WL 601535
(Bankr.E.D.Ky.
)
2008-02-27 - (In re Riggs, 2007 WL 601535, Bankr.E.D.Ky., 02/27/08, 13, Above )
Seventh Cir (WI-E)
In re Kalata, 2008 WL 552856
(Bankr.E.D.Wis.
)
2008-02-27 - (In re Kalata, 2008 WL 552856, Bankr.E.D.Wis., 02/27/08, 13, Above )
Eighth Cir (AR-W)
In re Ross, 2008 Wl 542365
(Bankr.W.D.Ark.
)
2008-02-26 - (In re Ross, 2008 Wl 542365, Bankr.W.D.Ark., 02/26/08, 13, Above )
Eighth Cir (AR-W)
In re Coleman, 382 BR 759
(Bankr.W.D.Ark.
)
2008-02-26 - (In re Coleman, 382 BR 759, Bankr.W.D.Ark., 02/26/08, 13, Above )
Eighth Cir (AR-W)
In re Davis, 382 B.R. 764
(Bankr.W.D.Ark.
)
2008-02-26 - (In re Davis, 382 B.R. 764, Bankr.W.D.Ark., 02/26/08, 13, Above )
Ninth Cir (WA-W)
In re Wulf, Case No. 07-14288
(Bankr.W.D.Wash.
)
2008-02-26 - (In re Wulf, Case No. 07-14288, Bankr.W.D.Wash., 02/26/08, 7, N/A )
First Cir (NH)
In re Pageau, 383 B.R. 221
(Bankr.D.N.H.
)
2008-02-21 - (In re Pageau, 383 B.R. 221, Bankr.D.N.H., 02/21/08, 7, N/A )
Sixth Cir (OH-N)
In re Reimer, 2008 WL 495537
(Bankr.N.D.Ohio
)
2008-02-21 - (In re Reimer, 2008 WL 495537, Bankr.N.D.Ohio, 02/21/08, 7, N/A )
Cir (NC)
In re Scurlock, 385 B.R. 814
(Bankr. M.D. N.C.
)
2008-02-19 - (In re Scurlock, 385 B.R. 814, Bankr. M.D. N.C., 2/19/2008,13,Above,)
Also covers telecommunication expense
Sixth Cir (KY-E)
In re Shinkle, 2008 WL 435183
(Bankr.E.D.Ky.
)
2008-02-19 - (In re Shinkle, 2008 WL 435183, Bankr.E.D.Ky., 02/19/08, 7, N/A )
Tenth Cir (KS)
In re Allen, 2008 WL 451053
(Bankr.D.Kan.
)
2008-02-15 - (In re Allen, 2008 WL 451053, Bankr.D.Kan., 2/15/2008, 13, , No. 07-41327)
Seventh Cir (WI-E)
In re Clark, 2008 WL 444565
(Bankr.E.D.Wis.
)
2008-02-14 - (In re Clark, 2008 WL 444565, Bankr.E.D.Wis., 02/14/08, 13, Above )
"Congress must have had a reason for allowing the ownership deduction in calculating the means test formula for debtors with modest [car] payments, perhaps as some courts have posited, because the debtors may need replacement transportation during the course of [bankruptcy proceedings]." Debtors who own their cars outright would have the same potential need for vehicle replacement, so we believe that they are similarly entitled to the deduction even though the deduction amount may exceed their actual costs. See id.; see also Eugene Wedoff, Means Testing in the New 707(b), 79 Am. Bankr.L.J. 231, 257 (2005) (recognizing that allowing the ownership deduction to debtors who own their cars outright "reflects the reality that a car for which the debtor no longer makes payments may soon need to be replaced (so that the debtor will have actual ownership expenses)....").
Ninth Cir (AZ)
In re Sawicki, 2008 WL 410229
(Bankr.D.Ariz.
)
2008-02-12 - (In re Sawicki, 2008 WL 410229, Bankr.D.Ariz., 02/12/08, 7, N/A )
Fourth Cir (4)
In re Mosko, 515 F.3d 319
(4th Cir
)
2008-02-12 - (In re Mosko, 515 F.3d 319, 4th Cir, 2/12/2008, )
Student loan not dischargeable because they did not attempt to maximize their income minimize their expenses, or consolidate their debt.
Seventh Cir (WI-W)
In re Mancl, 2008 WL 370621
(W.D.Wis.
)
2008-02-12 - (In re Mancl, 2008 WL 370621, W.D.Wis., 02/12/08, 13, Above )
Ninth Cir (CA-N)
In re Rodrigues, 2008 WL 372742
(Bankr. N.D. Cal.
)
2008-02-11 - (In re Rodrigues, 2008 WL 372742, Bankr. N.D. Cal., 2/11/2008, 7,,Case No.)
Third Cir (PA-M)
In re Weiderhold, 381 B.R. 626
(Bankr.M.D.Pa.
)
2008-02-11 - (In re Weiderhold, 381 B.R. 626, Bankr.M.D.Pa., 02/11/08, 7, Above )
Third Cir (PA-M)
In re Weiderhold, 381 B.R. 626
(Bankr.M.D.Pa.
)
2008-02-11 - (In re Weiderhold, 381 B.R. 626, Bankr.M.D.Pa., 2/11/2008,7,N/A,)
Fourth Cir (SC)
In re Anstett, 2008 WL 659651
(Bankr.D.S.C.
)
2008-02-08 - (In re Anstett, 2008 WL 659651, Bankr.D.S.C., 02/08/08, 13, Above )
"The primary issue is whether the amount of 401(k) loan payments that are completed before the chapter 13 plan term ends must be added, for confirmation purposes, to the disposable income to be paid under the terms of the plan."
Held: "The completion of payments to the 401(k) plan does not simply free that money for discretionary application but should shift to creditors, at least in significant part, and result in repayment of the people Debtor owes. To propose nothing further to them, especially with an initial one percent dividend, is not a good faith effort."
First Cir (MA)
In re Phillips, 382 B.R. 153
(Bankr.D.Mass.
)
2008-02-07 - (In re Phillips, 382 B.R. 153, Bankr.D.Mass., 02/07/08,13, Above )
Sixth Cir (OH-N)
In re Felske, 385 B.R. 649
(Bankr.N.D.Ohio
)
2008-02-06 - (In re Felske, 385 B.R. 649, Bankr.N.D.Ohio, 2/6/2008,7,)
Sixth Cir (6-BAP)
In re Kimbro, 389 B.R. 518
(6th Cir. BAP
)
2008-02-06 - (In re Kimbro, 389 B.R. 518, 6th Cir. BAP, 02/06/2008,13,Above)
Sixth Cir (MI-E)
In re Beckerman, 2008 WL 370633
(Bankr.E.D.Mich.
)
2008-02-04 - (In re Beckerman, 2008 WL 370633, Bankr.E.D.Mich., 02/04/08, 7, N/A )
First Cir (MA)
In re Guerriero, 383 B.R. 841
(Bankr.D.Mass.
)
2008-02-04 - (In re Guerriero, 383 B.R. 841, Bankr.D.Mass., 02/04/08, 7, Above )
Third Cir (PA-W)
In re May, 381 B.R. 498
(Bankr.W.D.Pa.
)
2008-01-28 - (In re May, 381 B.R. 498, Bankr.W.D.Pa., 01/28/08, 13, Above )
Fourth Cir (MD)
In re Chim, 381 B.R. 191
(Bankr.D.Maryland
)
2008-01-25 - (In re Chim, 381 B.R. 191, Bankr.D.Maryland, 1/25/2008, )
"Ride Through" explicitly set up by court via rejection of reafficmation agreement:
"Further, at the hearing, it became clear that one of the Debtor's primary reasons for entering into the Reaffirmation Agreement is her concern that, if the Court disapproved the Reaffirmation Agreement, the Lender could exercise the creditorrelief provisions of Sections 362(h), 521(a)(6) and 521(d) by, among other 193 things, declaring a default under the ipso facto[2] provision of her loan contract and repossessing the vehicle notwithstanding the fact that she remains current on the loan. The Court finds and concludes that the Debtor has complied with the requirements of Section 521(a)(2) by timely stating her intention to reaffirm the loan and by timely entering into the Reaffirmation Agreement with the Lender. Therefore, the provisions of Sections 362(h), 521(a)(6) and 521(d) do not apply, and the automatic stay remains in place with respect to the vehicle, the vehicle remains property of the estate, the Debtor is hot obligated to turn over possession of the vehicle, and the Lender may not exercise remedies as a result of default under the ipso facto provision under the loan agreement. Stated otherwise, where a debtor timely complies with Section 521(a)(2), the mere fact that the Court does not approve the reaffirmation agreement does not trigger the creditor relief provisions of Sections 362(h), 521(a)(6) or 521(d), Accordingly, the Debtor's concern that the Lender may invoke the creditor-relief provisions of Sections 362(h), 521(a)(6) or 521(d) if the Court disapproves the Reaffirmation Agreement is not warranted, and is not sufficient to overcome the presumption of undue hardship."
Fourth Cir (WV-N)
In re Waters, 384 B.R. 432
(Bankr.N.D.W.Va.
)
2008-01-24 - (In re Waters, 384 B.R. 432, Bankr.N.D.W.Va., 01/24/08, 13, N/A )
Debtor's veterans benefits had to be included in calculation of debtor's CMI as such benefits are not specifically excluded from CMI by statute.
Fifth Cir (TX-W)
In re Meade, 384 B.R. 132
(W.D.Tex.
)
2008-01-24 - (In re Meade, 384 B.R. 132, W.D.Tex., 01/24/08, 7, N/A )
Fifth Cir (TX-W)
In re Meade, 384 B.R. 132
(W.D.Tex.
)
2008-01-24 - (In re Meade, 384 B.R. 132, W.D.Tex., 01/24/2008,13,Above)
Sixth Cir (TN-M)
In re Petro, 2008 WL 204670
(Bankr.M.D.Tenn.
)
2008-01-23 - (In re Petro, 2008 WL 204670, Bankr.M.D.Tenn., 01/23/08, 13, Above )
Fourth Cir (WV-N)
In re Simms, Case No. 06-1206
(Bankr.N.D.W.Va.
)
2008-01-23 - (In re Simms, Case No. 06-1206, Bankr.N.D.W.Va., 01/23/08, 13, Above )
Third Cir (PA-E)
In re Naut, 2008 WL 191297
(Bankr.E.D.Pa.
)
2008-01-22 - (In re Naut, 2008 WL 191297, Bankr.E.D.Pa., 01/22/08, 7, N/A )
Ninth Cir (MT)
In re Deadmond, 2008 WL 191165
(D.Mont.
)
2008-01-22 - (In re Deadmond, 2008 WL 191165, D.Mont., 01/22/08, 7, N/A )
Sixth Cir (OH-N)
In re Stewart, 383 B.R. 429
(Bankr.N.D.Ohio
)
2008-01-15 - (In re Stewart, 383 B.R. 429, Bankr.N.D.Ohio, 01/15/08, 7, N/A )
Debtor allowed to proceed with Chapter 7 despite Trustee's motion to dismiss for totality of circumstances.
Eleventh Cir (FL-S)
In re Parada, 391 B.R. 492
(Bankr. S.D. Fla.
)
2008-01-10 - (In re Parada, 391 B.R. 492, Bankr. S.D. Fla., 1/10/2008,7,Above )
Third Cir (PA-M)
In re Walker, 381 B.R. 620
(Bankr.M.D.Pa.
)
2008-01-01 - (In re Walker, 381 B.R. 620, Bankr.M.D.Pa., 01/01/08, 7, N/A )
Eighth Cir (AR-W)
In re Miller, 381 B.R. 736
(Bankr.W.D.Ark.
)
2008-01-01 - (In re Miller, 381 B.R. 736, Bankr.W.D.Ark., 01/01/08, 13, Above )
Ninth Cir (9-BAP)
In re Ransom, 380 B.R. 799
(9th Cir BAP
)
2007-12-27 - (In re Ransom, 380 B.R. 799, 9th Cir BAP, 12/27/2007,13,Above)
debtor was not entitled to vehicle ownership expense deduction for vehicle that he owned free and clear of liens.
Ninth Cir (9-BAP)
In re Ransom, 380 B.R. 799
(9th Cir. BAP
)
2007-12-27 - (In re Ransom, 380 B.R. 799, 9th Cir. BAP, 12/27/07, 13, Above )
Ninth Cir (9-BAP)
In re Ransom, 380 B.R. 799
(9th Cir. BAP
)
2007-12-27 - (In re Ransom, 380 B.R. 799, 9th Cir. BAP, 12/27/2007,13,Above)
Seventh Cir (IL-N)
In re Saffrin, 2007 WL 4482210
(Bankr.N.D.Ill.
)
2007-12-21 - (In re Saffrin, 2007 WL 4482210, Bankr.N.D.Ill., 12/21/07, 13, Above )
Fourth Cir (NC-E)
In re McQueen, Case No. 07-03011
(Bankr.E.D.N.C.
)
2007-12-21 - (In re McQueen, Case No. 07-03011, Bankr.E.D.N.C., 12/21/07, 13, Above )
Eighth Cir (MO-W)
In re Burden, 380 B.R. 194
(Bankr.W.D.Mo.
)
2007-12-20 - (In re Burden, 380 B.R. 194, Bankr.W.D.Mo., 12/20/07, 7, Above )
Cir (OR-d)
In re Johnson, 380 B.R. 236
(Bankr. D.Or.
)
2007-12-19 - (In re Johnson, 380 B.R. 236, Bankr. D.Or., 12/19/2007
)
Fifth Cir (MS-S)
In re Dalton, 2007 WL 4554024
(Bankr.S.D.Miss.
)
2007-12-19 - (In re Dalton, 2007 WL 4554024, Bankr.S.D.Miss., 12/19/07, 13, Above )
Eleventh Cir (FL-S)
In re Mulally, Case No. 07-14699
(Bankr.S.D.Fla.
)
2007-12-19 - (In re Mulally, Case No. 07-14699, Bankr.S.D.Fla., 12/19/07, 13, Above )
Ninth Cir (9-BAP)
In re Fridley, 380 B.R. 538
(9th Cir. BAP
)
2007-12-18 - (In re Fridley, 380 B.R. 538, 9th Cir. BAP, 12/18/07, 13, Below)
Ninth Cir (WA-E)
In re Broers, 2007 WL 4166144
(Bankr.E.D.Wash.
)
2007-12-14 - (In re Broers,2007 WL 4166144, Bankr.E.D.Wash., 12/14/07, 13, Above ,)
debtor was entitled to deduct housing expenses under the IRS Local Standard for which he qualified, notwithstanding that heowned his home free and clear of liens and encumbrances
Fourth Cir (VA-E)
In re Buck, Case No. 07-31513
(Bankr.E.D.Va.
)
2007-12-14 - (In re Buck, Case No. 07-31513, Bankr.E.D.Va., 12/14/07, 13, Above )
Fourth Cir (VA-E)
In re Grubbs, Case No. 07-32822
(Bankr.E.D.Va.
)
2007-12-14 - (In re Grubbs, Case No. 07-32822, Bankr.E.D.Va., 12/14/07, 13, Below )
Eleventh Cir (FL-S)
In re Highey, Case No. 07-12721
(Bankr.S.D.Fla.
)
2007-12-14 - (In re Highey, Case No. 07-12721, Bankr.S.D.Fla., 12/14/07, 13, Above )
Fourth Cir (NC-W)
In re Houser, Case No. 07-50529
(Bankr.W.D.N.C.
)
2007-12-14 - (In re Houser, Case No. 07-50529, Bankr.W.D.N.C., 12/14/07, 13, Above )
Eighth Cir (NE)
In re James, 2007 WL 4303215
(Bankr.D.Neb.
)
2007-12-14 - (In re James, 2007 WL 4303215, Bankr.D.Neb., 12/14/07, 13, Above )
Sixth Cir (OH-N)
In re Burton, 379 B.R. 732
(Bankr.N.D.Ohio
)
2007-12-13 - (In re Burton, 379 B.R. 732, Bankr.N.D.Ohio, 12/13/07, 7, Above )
Tenth Cir (10-BAP)
In re Lanning, 380 B.R. 17
(10th Cir. BAP
)
2007-12-13 - (In re Lanning, 380 B.R. 17, 10th Cir. BAP, 12/13/07, 13, Above )
Eighth Cir (NE)
In re Novak, 2007 WL 4353279
(Bankr.D.Neb.
)
2007-12-12 - (In re Novak, 2007 WL 4353279, Bankr.D.Neb., 12/12/07, 13, Above )
Tenth Cir (CO)
In re Lindstrom, 381 B.R. 303
(Bankr.D.Colo.
)
2007-12-12 - (In re Lindstrom, 381 B.R. 303, Bankr.D.Colo., 12/12/07, 7, Above )
Sixth Cir (OH-N)
In re Simmons, 357 B.R. 480
(Bankr.N.D.Ohio
)
2007-12-11 - (In re Simmons, 357 B.R. 480, Bankr.N.D.Ohio, 12/11/07, 7, N/A )
Tenth Cir (OK-N)
In re Makres, 2007 WL 4345028
(Bankr.N.D.Okla.
)
2007-12-07 - (In re Makres, 2007 WL 4345028, Bankr.N.D.Okla., 12/07/07, 7, Above )
Ninth Cir (OR)
In re Kellett, 379 B.R. 332
(Bankr. D. Or.
)
2007-12-03 - (In re Kellett, 379 B.R. 332, Bankr. D. Or., 12/3/2007,13,)
Fourth Cir (NC-E)
In re Musselman, 379 B.R. 583
(Bankr.E.D.N.C.
)
2007-11-30 - (In re Musselman, 379 B.R. 583, Bankr.E.D.N.C., 11/30/07 Appeal Pending, 13, Above )
Sixth Cir (OH-N)
In re Witek, 383 B.R. 323
(Bankr.N.D.Ohio
)
2007-11-29 - (In re Witek, 383 B.R. 323, Bankr.N.D.Ohio, 11/29/07, 7, N/A )
First Cir (NH)
In re Perotta, 378 B.R. 344
(Bankr.D.N.H.
)
2007-11-21 - (In re Perotta, 378 B.R. 344, Bankr.D.N.H., 11/21/2007, 7)
Seventh Cir (IL-N)
In re Burmeister, 2007 WL 4052368
(Bankr.N.D.Ill.
)
2007-11-16 - (In re Burmeister, 2007 WL 4052368, Bankr.N.D.Ill., 11/16/07, 13, Above )
Seventh Cir (IL-S)
In re Foerkalb, Case No. 07-31309
(Bankr.S.D.Ill.
)
2007-11-13 - (In re Foerkalb, Case No. 07-31309, Bankr.S.D.Ill., 11/13/07, 13, )
First Cir (NH)
In re Perrotta, 378 B.R. 27
(Bankr. D. N.H.
)
2007-11-07 - (In re Perrotta, 378 B.R. 27, Bankr. D. N.H., 11/7/2007, 7)
Section 707(b) does not provide the United States Trustee or creditors discovery rights beyond those enumerated in Section 521 (a)(1)(B)(iv), (v), and (e)(2)(A)(i).
Ninth Cir (9-BAP)
In re Pak, 378 B.R. 257
(9th Cir.BAP
)
2007-11-07 - (In re Pak, 378 B.R. 257, 9th Cir.BAP, 11/7/2007,13,Above)
Sixth Cir (OH-S)
In re Echeman, 378 B.R. 177
(Bankr.S.D.Ohio
)
2007-11-07 - (In re Echeman, 378 B.R. 177, Bankr.S.D.Ohio, 11/07/07, 13, Above )
Ninth Cir (HI)
In re Livernoche, 2007 WL 6406853
(Bankr.D.Hawaii
)
2007-11-07 - (In re Livernoche, 2007 WL 6406853, Bankr.D.Hawaii, 11/07/07, 7, N/A )
Third Cir (PA-M)
In re Boyd, 378 B.R. 81
(Bankr.M.D.Pa.
)
2007-11-06 - (In re Boyd, 378 B.R. 81, Bankr.M.D.Pa., 11/06/07, 13, Above )
Sixth Cir (MI-E)
In re Travis, 353 B.R. 520
(Bankr.E.D.Mich.
)
2007-11-06 - (In re Travis, 353 B.R. 520, Bankr.E.D.Mich., 11/06/07, 7, N/A )
Fourth Cir (NC-M)
In re Conyers, 379 B.R. 576
(Bankr. M.D.N.C.
)
2007-11-02 - (In re Conyers, 379 B.R. 576, Bankr. M.D.N.C., 11/2/2007)
Sixth Cir (OH-N)
In re Davis, 378 B.R. 539
(Bankr.N.D.Ohio
)
2007-11-02 - (In re Davis, 378 B.R. 539, Bankr.N.D.Ohio, 11/02/07, 7, Above )
Sixth Cir (TN-m)
In re Hayes, 376 B.R. 655
(Bankr. M.D. Tenn.
)
2007-11-01 - (In re Hayes, 376 B.R. 655, Bankr. M.D. Tenn., 11/1/2007)
Ninth Cir (CA-C)
In re Canales, 2007 WL 3261527
(Bankr.C.D.Ca.
)
2007-10-31 - (In re Canales, 2007 WL 3261527, Bankr.C.D.Ca., 10/31/07, 7, N/A )
Eighth Cir (MO-W)
In re Riding, 2007 WL 3197119
(Bankr.W.D.Mo.
)
2007-10-30 - (In re Riding, 2007 WL 3197119, Bankr.W.D.Mo., 10/30/07, 13, Above )
Sixth Cir (OH-N)
In re Townsend, Case No. 07-14987
(Bankr.N.D.Ohio
)
2007-10-30 - (In re Townsend, Case No. 07-14987, Bankr.N.D.Ohio, 10/30/07, 7, N/A )
Fourth Cir (SC)
In re Barnes, 2007 WL 4162822
(Bankr.D.S.C.
)
2007-10-26 - (In re Barnes, 2007 WL 4162822, Bankr.D.S.C., 10/26/07, 13, Above )
Tenth Cir (UT)
In re Burt, 378 BR 352
(Bankr. D. Utah
)
2007-10-24 - (In re Burt, 378 BR 352, Bankr. D. Utah, 10/24/2007)
Second Cir (NY-N)
In re McLain, 378 B.R. 39
(Bankr.N.D.N.Y.
)
2007-10-24 - (In re McLain, 378 B.R. 39, Bankr.N.D.N.Y., 10/24/07, 13, Above )
Fourth Cir (MD)
In re Adams, Case No. 06-16027
(Bankr.D.Md.
)
2007-10-19 - (In re Adams, Case No. 06-16027, Bankr.D.Md., 10/19/07, 7, N/A )
$1,300,000 residence, luxury car with $1,225 monthly payment, and unreasonable budget is factor in good faith calculus. (cited by In re Lipford
Fifth Cir (TX-S)
In re Brown, 376 B.R. 601
(Bankr.S.D.Tex.
)
2007-10-16 - (In re Brown, 376 B.R. 601, Bankr.S.D.Tex., 10/16/07, 7, N/A )
Fourth Cir (NC-M)
In re Sale, 397 B.R. 281
(Bankr.M.D.N.C.
)
2007-10-15 - (In re Sale, 397 B.R. 281, Bankr.M.D.N.C., 10/15/07, 7, N/A )
Regarding standing to file Chapter 7, the burden of proof rests on the moving party.
Ninth Cir (CA-N)
In re Chang, 2007 WL 303469
(Bankr.N.D.Cal.
)
2007-10-15 - (In re Chang, 2007 WL 303469, Bankr.N.D.Cal., 10/15/07, 7, Above )
Sixth Cir (OH-N)
In re Gonzalez, 378 B.R. 168
(Bankr.N.D.Ohio
)
2007-10-15 - (In re Gonzalez, 378 B.R. 168 , Bankr.N.D.Ohio, 10/15/07, 7, Above )
Sixth Cir (TN-E)
In re Spurgeon, 2007 WL 2984180
(Bankr.E.D.Tenn.
)
2007-10-10 - (In re Spurgeon, 2007 WL 2984180, Bankr.E.D.Tenn., 10/10/07, 13, Above )
Sixth Cir (OH-N)
In re Hale, 2007 WL 2990760
(Bankr. N.D. Ohio
)
2007-10-10 - (In re Hale, 2007 WL 2990760, Bankr. N.D. Ohio, 10/10/2007, 7,Above)
Fifth Cir (TX-E)
In re Sadler, 2007 WL 2978553
(Bankr.E.D.Tex.
)
2007-10-09 - (In re Sadler, 2007 WL 2978553, Bankr.E.D.Tex., 10/09/07, 13, Above )
Eleventh Cir (GA-m)
In re Beasley, No. 07-40280
(Bankr. M.D. Ga.
)
2007-10-09 - (In re Beasley, No. 07-40280, Bankr. M.D. Ga., 10/9/2007)
Eighth Cir (MO-E)
In re Mordis, 2007 WL 2962903
(Bankr.E.D.Mo.
)
2007-10-09 - (In re Mordis, 2007 WL 2962903, Bankr.E.D.Mo., 10/09/07, 7, N/A )
Ninth Cir (MT)
In re Warren, 2007 WL 2916563
(Bankr.D.Mont.
)
2007-10-05 - (In re Warren, 2007 WL 2916563, Bankr.D.Mont., 10/05/07, 13, N/A )
Sixth Cir (OH-N)
In re Burge, 2007 WL 2907508
(Bankr.N.D.Ohio
)
2007-10-03 - (In re Burge, 2007 WL 2907508, Bankr.N.D.Ohio, 10/03/07, 7, N/A )
Tenth Cir (NM)
In re Robinette, 2007 WL 2955960
(Bankr.D.N.M.
)
2007-10-02 - (In re Robinette, 2007 WL 2955960, Bankr.D.N.M., 10/02/07, 7, N/A )
Tenth Cir (KS)
In re Thomas, Case No. 06-21108
(Bankr.D.Kan.
)
2007-10-02 - (In re Thomas, Case No. 06-21108, Bankr.D.Kan., 10/02/07 Reversed, 7, N/A )
Tenth Cir (CO)
In re Moulton, No. 07-11007
(Bankr. D. Colo.
)
2007-09-28 - (In re Moulton, No. 07-11007, Bankr. D. Colo., 9/28/2007)
Ninth Cir (MT)
In re Featherston, Case No. 07-60296
(Bankr.D.Mont.
)
2007-09-28 - (In re Featherston, Case No. 07-60296, Bankr.D.Mont., 09/28/07, 13, Above )
Sixth Cir (OH-N)
In re McCarty, 376 B.R. 819
(Bankr.N.D.Ohio
)
2007-09-28 - (In re McCarty, 376 B.R. 819, Bankr.N.D.Ohio, 09/28/07, 13, Above )
Seventh Cir (IL-C)
In re Moorman, 2007 WL 2822917
(Bankr.C.D.Ill.
)
2007-09-28 - (In re Moorman, 2007 WL 2822917, Bankr.C.D.Ill., 09/28/07, 13, Above )
Above-median income debtors may deduct car payment allowance for whether or not they are actually making car payments.
First Cir (MA)
In Re Hayes, 376 B.R. 55
(Bankr.D.Mass.
)
2007-09-26 - (In Re Hayes, 376 B.R. 55, Bankr.D.Mass., 09/26/07 13 to, 7, N/A )
Fourth Cir (NC-E)
In re Williams, Case No. 07-00396
(Bankr.E.D.N.C.
)
2007-09-25 - (In re Williams, Case No. 07-00396, Bankr.E.D.N.C., 09/25/07, 13, Above )
Eleventh Cir (GA-n)
In re Lowery,
(Bankr. N.D.Ga.
)
2007-09-24 - (In re Lowery, , Bankr. N.D.Ga., 9/24/2007
)
Sixth Cir (6)
In re Westfall, 376 B.R. 210
(Bankr. N.D. Ohio
)
2007-09-24 - (In re Westfall, 376 B.R. 210, Bankr. N.D. Ohio, 9/24/2007,13)
Reversed on Appeal to 6th Cir. 599 F.3d 498
Question pending: Is negative equity on a trade-in vehicle part of a purchase money security interest when rolled into a loan for a new vehicle, made within 910 days before filing in chapter 13?
Eighth Cir (AR-W)
In re Byrne, 376 B.R. 700
(Bankr. W.D. Ark.
)
2007-09-24 - (In re Byrne, 376 B.R. 700, Bankr. W.D. Ark., 9/24/2007,7,)
Tenth Cir (OK-W)
In re Hanson, 2007 WL 3333358
(Bankr.W.D.Okla.
)
2007-09-20 - (In re Hanson, 2007 WL 3333358, Bankr.W.D.Okla., 09/20/07, 7, N/A )
Eleventh Cir (FL-m)
In re Blakeslee, 377 B.R. 724
(Bankr. M.D. Fla.
)
2007-09-19 - (In re Blakeslee, 377 B.R. 724, Bankr. M.D. Fla., 9/19/2007, )
Eleventh Cir (FL-m)
In re Honcoop, 377 B.R. 719
(Bankr. M.D. Fla.
)
2007-09-19 - (In re Honcoop, 377 B.R. 719, Bankr. M.D. Fla., 9/19/2007)
First Cir (NH)
In re Reis, 377 B.R. 777
(Bankr.D.N.H.
)
2007-09-18 - (In re Reis, 377 B.R. 777, Bankr.D.N.H., 09/18/07, 13, Above )
Fifth Cir (TX-E)
In re Charles, 2007 WL 2746779
(Bankr.E.D.Tex.
)
2007-09-18 - (In re Charles, 2007 WL 2746779, Bankr.E.D.Tex., 09/18/07 13N/A )
Sixth Cir (OH-N)
In re Lewis, Case No. 07-32371
(Bankr.N.D.Ohio
)
2007-09-17 - (In re Lewis, Case No. 07-32371, Bankr.N.D.Ohio, 09/17/07, 7, Above )
Fourth Cir (SC)
In re Hice, 2007 WL 3033934
(Bankr.D.S.C.
)
2007-09-14 - (In re Hice, 2007 WL 3033934, Bankr.D.S.C., 09/14/07, 7, N/A )
Eighth Cir (AR-E)
In re Lasowski, 375 B.R. 526
(Bankr.E.D.Ar.
)
2007-09-14 - (In re Lasowski, 375 B.R. 526, Bankr.E.D.Ar., 09/14/07, 13, Above )
Seventh Cir (IL-N)
In re Ross, 2007 WL 2683676 & 2007 WL 3232485
(Bankr.N.D.Ill.
)
2007-09-13 - (In re Ross, 2007 WL 2683676 & 2007 WL 3232485, Bankr.N.D.Ill., 09/13/07, 13, Above )
Ninth Cir (AZ)
In re Garcia, 2007 WL 2692232
(Bankr.D.Ariz.
)
2007-09-11 - (In re Garcia, 2007 WL 2692232, Bankr.D.Ariz., 09/11/07, 7, Above )
Third Cir (PA-M)
In re Bardo, 379 B.R. 524
(Bankr.M.D.Pa.
)
2007-09-07 - (In re Bardo, 379 B.R. 524, Bankr.M.D.Pa., 09/07/07, 13, Above )
"Since this refund represents an overpayment of payroll taxes, I agree that the 529*529 monthly payroll deduction should be reduced by $100 resulting in an increase in monthly disposable income on Form B22C from $278.91 to $378.91. The monthly plan payment proposed is $560 which exceeds the minimum required even if I were to adjust the monthly disposable income upward as requested by eCast."
Tenth Cir (CO)
In re Scarafiotti, 375 B.R. 618
(Bankr.D.Colo.
)
2007-09-07 - (In re Scarafiotti, 375 B.R. 618, Bankr.D.Colo., 09/07/07, 7, N/A )
First Cir (NH)
In re Jones, 2007 WL 2589442
(Bankr.D.N.H.
)
2007-09-07 - (In re Jones, 2007 WL 2589442, Bankr.D.N.H., 09/07/07, 13, Above )
First Cir (NH)
In re Turner, 376 B.R. 370
(Bankr.D.N.H.
)
2007-09-06 - (In re Turner, 376 B.R. 370, Bankr.D.N.H., 09/06/07, 7, N/A )
Ninth Cir (CA-E)
In re Vartan, Case No. 06-90559
(Bankr.E.D.Cal.
)
2007-09-06 - (In re Vartan, Case No. 06-90559, Bankr.E.D.Cal., 09/06/07, 7, N/A )
Eleventh Cir (AL-M)
In re Warren, 2007 WL 2683837
(Bankr.M.D.Ala.
)
2007-09-06 - (In re Warren, 2007 WL 2683837, Bankr.M.D.Ala., 09/06/07, 13, Above )
Sixth Cir (MI-E)
In re Bender, 373 B.R. 25
(Bankr.E.D.Mich.
)
2007-09-05 - (In re Bender, 373 B.R. 25, Bankr.E.D.Mich., 09/05/07, 7, N/A )
DC Cir (DC)
In re Briscoe, 374 B.R. 1
(Bankr.D.D.C.
)
2007-09-04 - (In re Briscoe, 374 B.R. 1, Bankr.D.D.C., 09/04/07, 13, Above )
Extensive analysis of why the law, as written, requires IRS standards apply regardless of actual expenses.
Cir (DC)
In re Briscoe, 374 B.R. 1
(Bankr.D.D.C.
)
2007-09-04 - (In re Briscoe, 374 B.R. 1, Bankr.D.D.C., 9/4/2007,13.Above)
Fourth Cir (MD)
In re Megginson, 2007 WL 2609783
(Bankr.D.Md.
)
2007-09-04 - (In re Megginson, 2007 WL 2609783, Bankr.D.Md., 09/04/07, 7, N/A )
Second Cir (NY-N)
In re Green, 378 B.R. 30
(Bankr.N.D.N.Y.
)
2007-08-29 - (In re Green, 378 B.R. 30, Bankr.N.D.N.Y., 08/29/07, 13, Above )
Second Cir (NY-W)
In re Osborne, 374 B.R. 68
(Bankr.W.D.N.Y.
)
2007-08-28 - (In re Osborne, 374 B.R. 68, Bankr.W.D.N.Y., 08/28/07, 7, N/A )
if a debtor files a statement of intention to surrender a secured asset such as a residence or vehicle, it is still permissible for that debtor to include on Question 42 of Subpart C of the Chapter 7 Means Test Form
Second Cir (NY-W)
In re Sackett, 2007 WL 2480542
(Bankr.W.D.N.Y
)
2007-08-28 - (In re Sackett, 2007 WL 2480542, Bankr.W.D.N.Y, 08/28/07, 13, Above )
Tenth Cir (KS)
In re Doherty, 374 B.R. 288
(Bankr.D.Kan.
)
2007-08-28 - (In re Doherty, 374 B.R. 288, Bankr.D.Kan., 08/28/07, 7, N/A )
Fourth Cir (SC)
In re Matthews, 378 B.R. 481
(Bankr. D.S.C.
)
2007-08-28 - (In re Matthews, 378 B.R. 481, Bankr. D.S.C., 8/28/2007)
Eleventh Cir (FL-N)
In re Purdy, 2007 WL 2276271
(Bankr.N.D.Fla.
)
2007-08-27 - (In re Purdy, 2007 WL 2276271, Bankr.N.D.Fla., 08/27/07, 13, Above )
Tenth Cir (KS)
In re Kidd, 2007 WL 2461684
(Bankr.D.Kan.
)
2007-08-27 - (In re Kidd, 2007 WL 2461684, Bankr.D.Kan., 08/27/07 13N/A )
Tenth Cir (KS)
In re Wilson, 374 B.R. 251
(Bankr. D. Kan.
)
2007-08-24 - (In re Wilson, 374 B.R. 251 , Bankr. D. Kan., 8/24/2007)
Seventh Cir (WI-W)
In re Mancl, 2007 WL 2695240
(Bankr.W.D.Wis.
)
2007-08-24 - (In re Mancl, 2007 WL 2695240, Bankr.W.D.Wis., 08/24/07, 13, Above )
Seventh Cir (WI-W)
In re Mancl, 2007 WL 2695240
(Bankr.W.D.Wis.
)
2007-08-24 - (In re Mancl, 2007 WL 2695240, Bankr.W.D.Wis., 08/24/07 Reversed, 13, Above )
Tenth Cir (NM)
In re Mondragon, Case No. 06-10665
(Bankr.D.N.M.
)
2007-08-24 - (In re Mondragon, Case No. 06-10665, Bankr.D.N.M., 08/24/07, 7, Above )
Sixth Cir (MI-E)
In re Cavanaugh, Case No. 06-57992
(Bankr.E.D.Mich.
)
2007-08-23 - (In re Cavanaugh, Case No. 06-57992, Bankr.E.D.Mich., 08/23/07, 7, N/A )
Sixth Cir (OH-N)
In re Vaccariello, 375 B.R. 809
(Bankr.N.D.Ohio
)
2007-08-22 - (In re Vaccariello, 375 B.R. 809, Bankr.N.D.Ohio, 08/22/07, 7, N/A )
Fourth Cir (VA-W)
In re Hylton, 2007 WL 2669458
(Bankr.W.D.Va.
)
2007-08-22 - (In re Hylton, 2007 WL 2669458, Bankr.W.D.Va., 08/22/07, 13, Above )
Eighth Cir (MN)
In re Hartwick (Fokkena v. Hartwick), 373 B.R. 645
(D.Minn.
)
2007-08-20 - (In re Hartwick (Fokkena v. Hartwick), 373 B.R. 645, D.Minn., 08/20/07, 7, Above )
Sixth Cir (OH-N)
In re Toney, 2007 WL 2417335
(Bankr.N.D.Ohio
)
2007-08-20 - (In re Toney, 2007 WL 2417335, Bankr.N.D.Ohio, 08/20/07, 7, N/A )
First Cir (NH)
In re Njuguna, 357 B.R. 689
(Bankr.D.N.H.
)
2007-08-17 - (In re Njuguna, 357 B.R. 689, Bankr.D.N.H., 08/17/07, 13, Below )
Fifth Cir (TX-W)
In re Oltjen, 2007 WL 2329695
(Bankr.W.D.Tex.
)
2007-08-13 - (In re Oltjen, 2007 WL 2329695, Bankr.W.D.Tex., 08/13/07, 13, Above )
Fifth Cir (TX-W)
In re Tamez, 2007 WL 2329805
(Bankr.W.D.Tex.
)
2007-08-13 - (In re Tamez, 2007 WL 2329805, Bankr.W.D.Tex., 08/13/07, 7, N/A )
Ninth Cir (CA-S)
In re Maya, 374 B.R. 750
(Bankr.S.D.Cal
)
2007-08-13 - (In re Maya, 374 B.R. 750, Bankr.S.D.Cal, 08/13/07, 7, N/A )
Seventh Cir (WI-E)
In re Gehrke, 2007 WL 2318479
(Bankr.E.D.Wis.
)
2007-08-09 - (In re Gehrke, 2007 WL 2318479, Bankr.E.D.Wis., 08/09/07, 13, Above )
First Cir (MA)
In re Kemp, 2007 WL 2746679
(Bankr.D.Mass.
)
2007-08-09 - (In re Kemp, 2007 WL 2746679, Bankr.D.Mass., 08/09/07, 13, Above )
Seventh Cir (WI-E)
In re Kiedrowski, Case No. 06-24318
(Bankr.E.D.Wis.
)
2007-08-09 - (In re Kiedrowski, Case No. 06-24318, Bankr.E.D.Wis., 08/09/07, 13, Above )
Eleventh Cir (FL-S)
In re Morgan, 374 B.R. 353
(Bankr.S.D.Fla.
)
2007-08-08 - (In re Morgan, 374 B.R. 353, Bankr.S.D.Fla., 8/8/2007,13)
Second Cir (VT)
In re Austin, 372 B.R. 668
(Bankr.D.Vt.
)
2007-08-07 - (In re Austin, 372 B.R. 668, Bankr.D.Vt., 8/7/2007, 13, Above )
Eleventh Cir (FL-S)
In re Morgan, 374 B.R. 353
(Bankr.S.D.Fla.
)
2007-08-07 - (In re Morgan, 374 B.R. 353, Bankr.S.D.Fla., 08/07/07, 13, Above )
Sixth Cir (OH-N)
In re Egidhoffer, 2007 WL 276931
(Bankr.N.D.Ohio
)
2007-08-06 - (In re Egidhoffer, 2007 WL 276931, Bankr.N.D.Ohio, 08/06/07, 7, N/A )
Third Cir (3)
Perlin v. Hitachi Capital Corp., 497 F.3d 364
(3rd Circuit
)
2007-08-03 - (Perlin v. Hitachi Capital Corp., 497 F.3d 364, 3rd Circuit, 08/03/07, 7, N/A )
Third Cir (DE)
In re Paret, 347 B.R. 12
(Bankr.D.Del.
)
2007-08-01 - (In re Paret, 347 B.R. 12, Bankr.D.Del., 08/01/07, 7, Below )
Fourth Cir (SC)
In re Goins, 372 B.R. 824
(Bankr.D.S.C.
)
2007-08-01 - (In re Goins, 372 B.R. 824, Bankr.D.S.C., 08/01/07, 13, Above )
Tenth Cir (OK-N)
In re Reavis, 2007 WL 2219519
(Bankr.N.D.Okla.
)
2007-07-30 - (In re Reavis, 2007 WL 2219519, Bankr.N.D.Okla., 07/30/07, 7, N/A )
Eighth Cir (AR-W)
In re Wilson, 373 B.R. 638
(Bankr.W.D.Ark.
)
2007-07-30 - (In re Wilson, 373 B.R. 638, Bankr.W.D.Ark., 07/30/07 Reversed, 13, Above )
Above-median income debtors may deduct car payment allowance for whether or not they are actually making car payments. Good discussion of existing split of authority.
Eleventh Cir (GA-S)
In re Lightsey, 374 B.R. 377
(Bankr.S.D.Ga.
)
2007-07-26 - (In re Lightsey, 374 B.R. 377, Bankr.S.D.Ga., 07/26/07, 7, Above )
Section 707's special circumstances may apply if repayment of student loans becomes onerous due to catastrophic illness, military deployment or similar post-contractual misfortunes but not because a student loan is a non-dischargeable debt
Sixth Cir (OH-N)
In re Whitaker, 2007 WL 2156397
(Bankr.N.D.Ohio
)
2007-07-25 - (In re Whitaker, 2007 WL 2156397, Bankr.N.D.Ohio, 07/25/07, 7, N/A )
Seventh Cir (WI-E)
In re Ross-Tousey, 368 B.R. 762
(E.D.Wis.
)
2007-07-21 - (In re Ross-Tousey, 368 B.R. 762, E.D.Wis., 07/21/07, 7, N/A )
Seventh Cir (IL-N)
In re Randle, 2007 WL 2668727
(N.D.Ill.
)
2007-07-20 - (In re Randle, 2007 WL 2668727, N.D.Ill., 07/20/07, 7, N/A ,Case No. 07-631,)
Sixth Cir (OH-N)
In re Masella, 373 B.R. 514
(Bankr.N.D.Ohio
)
2007-07-20 - (In re Masella, 373 B.R. 514, Bankr.N.D.Ohio, 07/20/07, 7, N/A )
Eighth Cir (NE)
In re Musgrave, Case No. 07-80393
(Bankr.D.Neb.
)
2007-07-19 - (In re Musgrave, Case No. 07-80393, Bankr.D.Neb., 07/19/07, 13, Above )
Ninth Cir (WA-W)
In re Kerr, 2007 WL 2119291
(Bankr.W.D.Wa.
)
2007-07-18 - (In re Kerr, 2007 WL 2119291, Bankr.W.D.Wa., 07/18/07 13 to, 7, N/A,Case No. 06-12302,)
Not in google scholar, but quoted extensively in In re Dudley
Seventh Cir (IL-C)
In re Martin, 371 B.R. 347
(Bankr.C.D.Ill.
)
2007-07-16 - (In re Martin, 371 B.R. 347, Bankr.C.D.Ill., 07/16/07, 7, Above )
Eleventh Cir (FL-S)
In re Benedetti, 372 B.R. 90
(Bankr.S.D.Fla.
)
2007-07-13 - (In re Benedetti, 372 B.R. 90, Bankr.S.D.Fla., 07/13/07, 7, N/A )
the plain meaning of the phrase "scheduled as contractually due" found in section 707(b)(2)(A)(iii) of the Bankruptcy Code entitles the Debtor to deduct from current monthly income the average payments on debts secured by collateral which the Debtor intends to surrender post-petition.
Seventh Cir (IL-S)
In re Nance, 2007 WL 2028579
(Bankr.S.D.Ill.
)
2007-07-10 - (In re Nance, 2007 WL 2028579, Bankr.S.D.Ill., 07/10/07, 13, Above )
Seventh Cir (IL-S)
In re Barrett, 371 B.R. 860
(Bankr.S.D.Ill.
)
2007-07-10 - (In re Barrett, 371 B.R. 860, Bankr.S.D.Ill., 07/10/07, 13, Above )
Ninth Cir (ID)
In re Kelvie, 372 B.R. 56
(Bankr.D.Idaho
)
2007-07-10 - (In re Kelvie, 372 B.R. 56, Bankr.D.Idaho, 07/10/07, 7, N/A )
Ninth Cir (OR)
In re Fleishman, 372 B.R. 64
(Bankr.D.Or.
)
2007-07-09 - (In re Fleishman, 372 B.R. 64, Bankr.D.Or., 07/09/07, 13, Above )
Sixth Cir (OH-N)
In re Zuccarell, 2007 WL 1989672
(Bankr.N.D.Ohio
)
2007-07-09 - (In re Zuccarell, 2007 WL 1989672, Bankr.N.D.Ohio, 07/09/07, 7, N/A )
Sixth Cir (MI-E)
In re Heath, 2007 WL 1982194
(Bankr.E.D.Mich.
)
2007-07-06 - (In re Heath, 2007 WL 1982194, Bankr.E.D.Mich., 07/06/07 13 to, 7, N/A )
Ninth Cir (ID)
In re Littman, 370 B.R. 820
(Bankr.D.Id.
)
2007-07-06 - (In re Littman, 370 B.R. 820, Bankr.D.Id., 07/06/07, 7, N/A )
Ninth Cir (WA-W)
In re Overstreet, Case No. 07-10264
(Bankr.W.D.Wa.
)
2007-07-03 - (In re Overstreet, Case No. 07-10264, Bankr.W.D.Wa., 07/03/07, 7, N/A )
Sixth Cir (TN-M)
In re Arnold, 376 B.R. 652
(Bankr.M.D.Tenn.
)
2007-07-03 - (In re Arnold, 376 B.R. 652, Bankr.M.D.Tenn., 07/03/07, 13,N/A )
Eleventh Cir (FL-M)
In re Arsenault, 2007 WL 1956277
(Bankr.M.D.Fla.
)
2007-07-03 - (In re Arsenault, 2007 WL 1956277, Bankr.M.D.Fla., 07/03/07, 13, Above )
Ninth Cir (WA-W)
In re Cole, 2007 WL 1953126
(Bankr.W.D.Wa.
)
2007-07-03 - (In re Cole, 2007 WL 1953126, Bankr.W.D.Wa., 07/03/07, 7, N/A )
Seventh Cir (7)
Matter of Wright, 492 F.3d 829
(7th Cir.
)
2007-07-03 - (Matter of Wright, 492 F.3d 829, 7th Cir., 7/3/2007, 13)
Surrender of vehicles acquired within 910 days pre-petition does not fully satisfy the debt which the vehicle secures.
Second Cir (VT)
In re Leahy, 70 BR 620
(Bankr.D.Vt.
)
2007-07-03 - (In re Leahy, 70 BR 620, Bankr.D.Vt., 07/03/07, 7, N/A )
he Court finds that funds in a 403(b) account are excluded from the bankruptcy estate and hence need not be exempted.
Ninth Cir (WA-E)
In re Armstrong, 395 B.R. 127
(Bankr.E.D.Wash.
)
2007-07-02 - (In re Armstrong, 395 B.R. 127, Bankr.E.D.Wash., 07/02/07, 13, Above )
Seventh Cir (WI-E)
In re Young, 370 B.R. 799
(Bankr.E.D.Wis.
)
2007-07-02 - (In re Young, 370 B.R. 799, Bankr.E.D.Wis., 07/02/07, 13, Above)
Fourth Cir (VA-E)
In re Lynch, 2007 WL 1387987
(Bankr.E.D.Va.
)
2007-07-02 - (In re Lynch, 2007 WL 1387987, Bankr.E.D.Va., 07/02/07, 13, Above)
Sixth Cir (OH-N)
Eisen v. Thompson, 370 B.R. 762
(N.D.Ohio
)
2007-06-29 - (Eisen v. Thompson, 370 B.R. 762, N.D.Ohio, 06/29/07, 7, N/A )
Third Cir (PA-M)
In re Talmadge, 2007 WL 1941807
(Bankr.M.D.Pa.
)
2007-06-28 - (In re Talmadge, 2007 WL 1941807, Bankr.M.D.Pa., 06/28/07, 7, N/A )
Ninth Cir (AK)
In re Vesper, 2007 WL 1864117
(Bankr.D.Alaska
)
2007-06-28 - (In re Vesper, 2007 WL 1864117, Bankr.D.Alaska, 06/28/07, 7, N/A )
Fourth Cir (NC-E)
In re Haenke, Case No. 06-02074-5-ATS
(Bankr.E.D.N.C.
)
2007-06-28 - (In re Haenke, Case No. 06-02074-5-ATS, Bankr.E.D.N.C., 06/28/07, 7, N/A )
Third Cir (PA-M)
In re Talmadge, 371 B.R. 96
(Bankr.M.D.Pa.
)
2007-06-28 - (In re Talmadge, 371 B.R. 96, Bankr.M.D.Pa., 6/28/2007,7,Above)
Fifth Cir (TX-S)
In re Cadwallder, 2007 WL 1864154
(Bankr. S.D. Tex.
)
2007-06-28 - (In re Cadwallder, 2007 WL 1864154, Bankr. S.D. Tex., 6/28/2007,7,,No.06-36424,)
Sixth Cir (OH-N)
In re O'Brien, 2007 WL 1847390
(Bankr.N.D.Ohio
)
2007-06-27 - (In re O'Brien, 2007 WL 1847390, Bankr.N.D.Ohio, 06/27/07, 7, N/A )
Eleventh Cir (GA-N)
In re Knight, 370 B.R. 429
(Bankr.N.D.Ga.
)
2007-06-27 - (In re Knight, 370 B.R. 429, Bankr.N.D.Ga., 06/27/07, 13, Above )
A chapter 13 debtor may show special circumstances to adjust disposable income to the same extent and in the same manner as a chapter 7 debtor may show them to rebut the presumption of abuse.
Ninth Cir (ID)
In re Meek, 370 B.R. 294
(Bankr.D.Idaho
)
2007-06-27 - (In re Meek, 370 B.R. 294, Bankr.D.Idaho, 06/27/07, 13, Above )
Sixth Cir (OH-N)
In re Doud, Case No. 07-11280
(Bankr.N.D.Ohio
)
2007-06-26 - (In re Doud, Case No. 07-11280, Bankr.N.D.Ohio, 06/26/07, 7, N/A )
Fourth Cir (NC-E)
In re Parrish, Case No. 06-01592
(Bankr.E.D.N.C.
)
2007-06-25 - (In re Parrish, Case No. 06-01592, Bankr.E.D.N.C., 06/25/07, 7, N/A )
Ninth Cir (CA-E)
In re Fletcher, Case No. 07-90256
(Bankr.E.D.Cal.
)
2007-06-25 - (In re Fletcher, Case No. 07-90256, Bankr.E.D.Cal., 06/25/07, 13, Above )
Tenth Cir (KS)
In re Puetz, 2007 WL 1805482
(Bankr.D.Kan.
)
2007-06-22 - (In re Puetz, 2007 WL 1805482, Bankr.D.Kan., 06/22/07, 13, Above )
Sixth Cir (OH-N)
In re Smith, 2007 WL 1836874
(Bankr.N.D.Ohio
)
2007-06-22 - (In re Smith, 2007 WL 1836874, Bankr.N.D.Ohio, 06/22/07, 7, N/A )
First Cir (MA)
In re Munger, 370 B.R. 21
(Bankr.Mass.
)
2007-06-21 - (In re Munger, 370 B.R. 21, Bankr.Mass., 06/21/07, 7, N/A )
Sixth Cir (OH-N)
In re Billie, 2007 WL 1174132
(Bankr.N.D.Ohio
)
2007-06-21 - (In re Billie, 2007 WL 1174132, Bankr.N.D.Ohio, 06/21/07, 7, N/A )
Ninth Cir (CA-N)
In re Mendoza, Case No. 01-53238
(Bankr. N.D. CA
)
2007-06-20 - (In re Mendoza, Case No. 01-53238, Bankr. N.D. CA, 06/20/2007)
Eighth Cir (MN)
In re Ellringer, 370 B.R. 905
(Bankr.D.Minn.
)
2007-06-20 - (In re Ellringer, 370 B.R. 905, Bankr.D.Minn., 06/20/07, 7, N/A )
Tenth Cir (KS)
In re Palm, 2007 WL 1772174
(Bankr.D.Kan.
)
2007-06-19 - (In re Palm, 2007 WL 1772174, Bankr.D.Kan., 06/19/07, 7, N/A )
Seventh Cir (IL-C)
In re Carlton, 370 B.R. 188
(Bankr.C.D.Ill.
)
2007-06-18 - (In re Carlton, 370 B.R. 188, Bankr.C.D.Ill., 06/18/07, 13, Above)
Sixth Cir (OH-N)
In re Augenstein, Case No. 06-13867
(Bankr.N.D.Ohio
)
2007-06-14 - (In re Augenstein, Case No. 06-13867, Bankr.N.D.Ohio, 06/14/07, 7, N/A )
Third Cir (PA-M)
In re Baldino, 369 B.R. 858
(Bankr.M.D.Pa.
)
2007-06-14 - (In re Baldino, 369 B.R. 858, Bankr.M.D.Pa., 06/14/07, 7, N/A )
Eleventh Cir (GA-M)
In re Berger, 376 B.R. 42
(Bankr.M.D.Ga.
)
2007-06-11 - (In re Berger, 376 B.R. 42, Bankr.M.D.Ga., 06/11/07, 13, Above )
Eleventh Cir (GA-N)
In re Shelton, 2007 WL 1856949
(Bankr.N.D.Ga.
)
2007-06-11 - (In re Shelton, 2007 WL 1856949, Bankr.N.D.Ga., 06/11/07, 13, Above )
Ninth Cir (OR)
In re Fleischman, 372 B.R. 64
(Bankr. D. Or.
)
2007-06-09 - (In re Fleischman, 372 B.R. 64, Bankr. D. Or., 6/9/2007,13,)
Does unborn child count in household size when proposing Chapter 13 plan and determining whether the plan i 3 or 5 years? This court says no.
Third Cir (PA-M)
In re Parke, 2007 WL 1662354
(Bankr.M.D.Pa.
)
2007-06-08 - (In re Parke, 2007 WL 1662354, Bankr.M.D.Pa., 06/08/07, 13, Above )
Third Cir (PA-M)
In re Vaughn, Case No. 1-06-bk-00788 MDF
(Bankr.M.D.Pa.
)
2007-06-08 - (In re Vaughn, Case No. 1-06-bk-00788 MDF, Bankr.M.D.Pa., 06/08/07, 13, Above)
Ninth Cir (CA-C)
In re Bennett, 371 B.R. 440
(Bankr.C.D.Ca.
)
2007-06-06 - (In re Bennett, 371 B.R. 440, Bankr.C.D.Ca., 06/06/07, 13, Above )
Ninth Cir (NV)
In re Ransom, 577 F.3d 1026
(Bankr.D.Nev.
)
2007-06-06 - (In re Ransom, 577 F.3d 1026, Bankr.D.Nev., 06/06/07, 13, Above, Affirmed)
Ninth Cir (AZ)
In re Moustafi, 371 B.R. 434
(Bankr.D.Ariz
)
2007-06-04 - (In re Moustafi, 371 B.R. 434, Bankr.D.Ariz, 6/4/2007,7, NA)
"The Debtor complied with the requirements of the Bankruptcy Code by timely filing her statement of intention and timely entering into a reaffirmation agreement with the credit union that holds a security interest in her car. That reaffirmation agreement will not, however, be approved because the Debtor's net monthly income is less than her expenses and because the car is worth less than what she owes on it. Despite the changes made to the Bankruptcy Code by the Bankruptcy Abuse Prevention and Consumer Protection Act ("BAPCPA"), a debtor may still, under certain limited circumstances, retain a car even without a court approved reaffirmation agreement. This is such a case."
Sixth Cir (OH-N)
In re Haar #2, 373 BR 493
(Bankr.N.D.Ohio
)
2007-06-04 - (In re Haar #2, 373 BR 493, Bankr.N.D.Ohio, 06/04/07, 7, N/A )
Ninth Cir (AK)
In re Garrison,
(Bankr. D. Alaska
)
2007-06-01 - (In re Garrison, , Bankr. D. Alaska, 6/1/2007)
Third Cir (NJ)
In re Fox, 370 B.R. 639
(Bankr.D.N.J.
)
2007-06-01 - (In re Fox, 370 B.R. 639, Bankr.D.N.J., 06/01/07, 13 to 7, N/A )
Eighth Cir (MO-E)
In re Hicks, 370 B.R. 919
(Bankr.E.D.Mo.
)
2007-06-01 - (In re Hicks, 370 B.R. 919, Bankr.E.D.Mo., 06/01/07, 7, N/A )
Not allowed for contribution to daughter, a college student who resided away from home; the family member to be supported must be both elderly, chronically ill or disabled and be unable to pay for expenses.
Fifth Cir (TX-s)
In re Smith,
(Bankr. S.D. Tex.
)
2007-05-29 - (In re Smith, , Bankr. S.D. Tex., 5/29/2007)
Ninth Cir (CA-C)
In re Wilkins, 370 B.R. 815
(Bankr.C.D.Ca.
)
2007-05-29 - (In re Wilkins, 370 B.R. 815, Bankr.C.D.Ca., 05/29/07, 7, N/A )
Ninth Cir (AZ)
In re Chamberlain, 369 B.R. 519
(Bankr.D.Ariz.
)
2007-05-26 - (In re Chamberlain, 369 B.R. 519, Bankr.D.Ariz., 05/26/07, 13, Above )
Tenth Cir (OK-E)
In re Johns, 342 B.R. 626
(Bankr.E.D.Okla.
)
2007-05-26 - (In re Johns, 342 B.R. 626, Bankr.E.D.Okla., 05/26/07, 7, N/A )
Sixth Cir (OH-N)
In re Armstrong, 2007 WL 1544591
(Bankr.N.D.Ohio
)
2007-05-24 - (In re Armstrong, 2007 WL 1544591, Bankr.N.D.Ohio, 05/24/07, 7, N/A )
Cir (PR)
In re Rolon, 2007 WL 4867933
(Bankr.D.Puerto Rico
)
2007-05-23 - (In re Rolon, 2007 WL 4867933, Bankr.D.Puerto Rico, 05/23/07, 7, N/A )
UST argues that the contributions to Mr. Freire's retirement plan and the payments to repay the retirement plan loans of both Debtors, "are not necessary for the maintenance and support of the debtors and their family".
Fifth Cir (LA-M)
In re Pampas, 369 B.R. 290
(Bankr.M.D.La.
)
2007-05-21 - (In re Pampas, 369 B.R. 290, Bankr.M.D.La., 05/21/07, 7, N/A )
Sixth Cir (OH-N)
In re Vanhoose, Case No. 06-31813
(Bankr.N.D.Ohio
)
2007-05-21 - (In re Vanhoose, Case No. 06-31813, Bankr.N.D.Ohio, 05/21/07, 7, N/A )
Eighth Cir (NE)
In re Herbert, Case No. 07-40224
(Bankr.D.Neb.
)
2007-05-21 - (In re Herbert, Case No. 07-40224, Bankr.D.Neb., 05/21/07, 7, N/A )
Seventh Cir (WI-E)
Neary v. Ross-Tousey (In re Ross-Tousey), 368 B.R. 762
(E.D.Wis.
)
2007-05-21 - (Neary v. Ross-Tousey (In re Ross-Tousey), 368 B.R. 762, E.D.Wis., 5/21/2007,7,Above)
Fifth Cir (LA-M)
In re Pampas, 369 B.R. 290
(Bankr.M.D.La.
)
2007-05-21 - (In re Pampas, 369 B.R. 290, Bankr.M.D.La., 5/21/2007,7,Above)
Eighth Cir (MO-W)
In re Freis, 2007 WL 1577752
(Bankr.W.D.Mo.
)
2007-05-18 - (In re Freis, 2007 WL 1577752, Bankr.W.D.Mo., 05/18/07, 7, N/A )
Third Cir (PA-W)
In re McGillis, Case No. HG 06-02982
(Bankr.W.D.Pa.
)
2007-05-18 - (In re McGillis, Case No. HG 06-02982, Bankr.W.D.Pa., 05/18/07, 13, Above )
Tenth Cir (KS)
CitiFinancial Auto v. Hernandez- Simpson, 369 B.R. 36
(D.Kan.
)
2007-05-17 - (CitiFinancial Auto v. Hernandez- Simpson, 369 B.R. 36, D.Kan., 5/17/2007)
Eighth Cir (AR-E)
In re Frederickson, 368 B.R. 825
(Bankr.E.D.Ar.
)
2007-05-16 - (In re Frederickson, 368 B.R. 825, Bankr.E.D.Ar., 05/16/07 Affirmed, 13, Above )
Tenth Cir (KS)
In re Pohl, 2007 WL 1452019
(Bankr.D.Kan.
)
2007-05-15 - (In re Pohl, 2007 WL 1452019, Bankr.D.Kan., 05/15/07, 13, Below )
Tenth Cir (KS)
In re Lanning, 2007 WL 1451999
(Bankr.D.Kan.
)
2007-05-15 - (In re Lanning, 2007 WL 1451999, Bankr.D.Kan., 05/15/07, 13, Above )
Sixth Cir (MI-W)
In re McGillis, 2007 WL 1549071
(Bankr.W.D.Mich.
)
2007-05-15 - (In re McGillis, 2007 WL 1549071, Bankr.W.D.Mich., 05/15/07, 13, Above )
Eighth Cir (AR-E)
In re Breeding, 366 B.R. 21
(Bankr.E.D.Ar.
)
2007-05-14 - (In re Breeding, 366 B.R. 21, Bankr.E.D.Ar., 05/14/07, 13, Above )
proceeds from the redemption of two certificates of deposit that were owned pre-petition constitute disposable income
Fifth Cir (TX-S)
In re Williams, No. 06-20116
(Bankr. S.D. Tex.
)
2007-05-14 - (In re Williams, No. 06-20116, Bankr. S.D. Tex., 5/14/2007,)
Ninth Cir (OR)
In re Mullen, 369 B.R. 25
(Bankr.D.Or.
)
2007-05-14 - (In re Mullen, 369 B.R. 25, Bankr.D.Or., 05/14/07, 13, Above )
Tenth Cir (CO)
In re Skvorecz, 369 B.R. 638
(Bankr.D.Colo.
)
2007-05-11 - (In re Skvorecz, 369 B.R. 638, Bankr.D.Colo., 05/11/07, 7, N/A )
If part of the intent of Congress in tying Chapter 7 relief to a means test, was to require a debtor to repay his creditors if he is able to,[14] then it would be nonsensical that the very payments or expenses which tip the calculation so as to create the presumption of abuse, an indication of an ability to repay, are the same payments or expenses that are excepted from "disposable income" in a Chapter 13.
Seventh Cir (WI-W)
In re Long, 372 B.R. 467
(Banrk.W.D.Wis.
)
2007-05-10 - (In re Long, 372 B.R. 467, Banrk.W.D.Wis., 05/10/07, 13, Above )
Fourth Cir (VA-E)
In re Lynch, 368 B.R. 487
(Bankr.E.D.Va.
)
2007-05-08 - (In re Lynch, 368 B.R. 487, Bankr.E.D.Va., 5/8/2007,13. Above)
Tenth Cir (UT)
In re Martin, 373 B.R. 731
(Bankr.D.Utah
)
2007-05-08 - (In re Martin, 373 B.R. 731, Bankr.D.Utah, 05/08/07, 13, Above )
Eighth Cir (IA-N)
In re Campbell, 2007 WL 1376226
(Bankr.N.D.Iowa
)
2007-05-07 - (In re Campbell, 2007 WL 1376226, Bankr.N.D.Iowa, 05/07/07, 7, N/A )
Seventh Cir (IL-N)
In re Mathis, 367 B.R. 629
(Bankr.N.D.Ill.
)
2007-05-04 - (In re Mathis, 367 B.R. 629, Bankr.N.D.Ill., 05/04/07, 13, Above )
Sixth Cir (OH-N)
In re Croskey, 2007 WL 1302571
(Bankr.N.D.Ohio
)
2007-05-01 - (In re Croskey, 2007 WL 1302571, Bankr.N.D.Ohio, 05/01/07, 7, N/A )
Seventh Cir (IN-S)
In re Delbecq, 368 B.R. 754
(Bankr.S.D.Ind.
)
2007-04-26 - (In re Delbecq, 368 B.R. 754, Bankr.S.D.Ind., 04/26/07, 7, N/A)
Special circumstances creating strain on the debtor's budget must be outside of the debtor's control.
Fifth Cir (TX-W)
McVay v. Otero, 371 B.R. 190
(W.D.Tex.
)
2007-04-26 - (McVay v. Otero, 371 B.R. 190, W.D.Tex., 04/26/07, 7, N/A )
Tenth Cir (KS)
In re Howell, 2007 WL 1237832
(Bankr.D.Kan.
)
2007-04-26 - (In re Howell, 2007 WL 1237832, Bankr.D.Kan., 04/26/07, 13, Above )
Fifth Cir (TX-S)
In re Knippers, 2007 WL 1239297
(Bankr.S.D.Tex.
)
2007-04-26 - (In re Knippers, 2007 WL 1239297, Bankr.S.D.Tex., 04/26/07, 13, Above )
Tenth Cir (KS)
In re Howell, 366 B.R. 153
(Bankr.D.Kan.
)
2007-04-26 - (In re Howell, 366 B.R. 153, Bankr.D.Kan., 04/26/07, 13, Above )
Sixth Cir (OH-S)
In re DePellegrini, 365 B.R. 830; 831
(Bankr. S.D. Ohio
)
2007-04-26 - (In re DePellegrini, 365 B.R. 830; 831, Bankr. S.D. Ohio, 4/26/2007)
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.
Fifth Cir (TX-E)
In re Aprea, 368 B.R. 558
(Bankr.E.D.Tex.
)
2007-04-25 - (In re Aprea, 368 B.R. 558, Bankr.E.D.Tex., 04/25/07, 13, Above )
Tenth Cir (KS)
In re Shahan, 367 B.R. 732
(Bankr.D.Kan.
)
2007-04-23 - (In re Shahan, 367 B.R. 732, Bankr.D.Kan., 04/23/07, 13, Above )
Third Cir (DE)
In re Haman, 366 B.R. 307
(Bankr.D.Del.
)
2007-04-20 - (In re Haman, 366 B.R. 307, Bankr.D.Del., 04/20/07, 7, N/A )
Fourth Cir (VA-e)
In re Lorenz, 368 B.R. 476; 485
(Bankr. E.D. Va.
)
2007-04-19 - (In re Lorenz, 368 B.R. 476; 485, Bankr. E.D. Va., 4/19/2007)
Ninth Cir (CA-N)
In re Swan, 368 B.R. 12
(Bankr.N.D.Cal.
)
2007-04-18 - (In re Swan, 368 B.R. 12, Bankr.N.D.Cal., 04/18/07, 13, Above )
Ninth Cir (CA-N)
In re Swan, 368 B.R. 12
(Bankr.N.D.Cal.
)
2007-04-18 - (In re Swan, 368 B.R. 12, Bankr.N.D.Cal., 4/18/2007,)
Sixth Cir (MI-E)
In re Zaporski, 366 B.R. 758
(Bankr.E.D.Mich.
)
2007-04-17 - (In re Zaporski, 366 B.R. 758, Bankr.E.D.Mich., 04/17/07, 7, N/A )
Textbook case of how NOT to use the bankruptcy laws (i.e. after you've depleted your IRA and other exempt assets to pay off unsecured credit card debt.)
Sixth Cir (MI-E)
In re Zaporski, 366 B.R. 758
(Bankr.E.D.Mich.
)
2007-04-17 - (In re Zaporski, 366 B.R. 758, Bankr.E.D.Mich., 4/17/2007,7)
Tenth Cir (KS)
In re Anderson, 367 B.R. 727
(Bankr.D.Kan.
)
2007-04-13 - (In re Anderson, 367 B.R. 727, Bankr.D.Kan., 04/13/07, 13, Below )
The issue is not whether the Debtor can amend her schedules to show the increased household size. She can.[9] The issue is as of what date the Applicable Commitment Period for the Debtor's Chapter 13 plan is determined and the extent to which the Debtor's post-petition and pre-confirmation change of household size affects the calculation of the Applicable Commitment Period.
Tenth Cir (KS)
In re Beckerle, 2007 WL 1111264
(Bankr.D.Kan.
)
2007-04-13 - (In re Beckerle, 2007 WL 1111264, Bankr.D.Kan., 04/13/07, 13, Above )
Tenth Cir (KS)
In re Moore, 367 B.R. 721
(Bankr.D.Kan.
)
2007-04-13 - (In re Moore, 367 B.R. 721, Bankr.D.Kan., 04/13/07, 13, Above )
Fifth Cir (TX-S)
In re Nowlin, 366 B.R. 670
(Bankr.S.D.Tex.
)
2007-04-11 - (In re Nowlin, 366 B.R. 670, Bankr.S.D.Tex., 04/11/07, 13, Above )
Sixth Cir (TN-w)
In re Bray, 365 B.R. 850
(Bankr. W.D. Tenn.
)
2007-04-11 - (In re Bray, 365 B.R. 850, Bankr. W.D. Tenn., 4/11/2007)
Fourth Cir (MD)
In re Watson, 2007 WL 1086582
(Bankr.D.Md.
)
2007-04-11 - (In re Watson, 2007 WL 1086582, Bankr.D.Md., 04/11/07, 13, Above )
Fourth Cir (MD)
In re Watson, 366 B.R. 523
(Bankr.D.Md.
)
2007-04-11 - (In re Watson, 366 B.R. 523, Bankr.D.Md., 4/11/2007,13)
Eleventh Cir (GA-S)
In re Edwards, 367 B.R. 921
(Bankr. S.D. Ga.
)
2007-04-05 - (In re Edwards, 367 B.R. 921, Bankr. S.D. Ga., 4/5/2007,13,below)
Fourth Cir (VA-E)
In re Mitchell, 2007 WL 1075195
(Bankr.E.D.Va.
)
2007-04-04 - (In re Mitchell, 2007 WL 1075195, Bankr.E.D.Va., 04/04/07, 13, Above )
Sixth Cir (OH-S)
In re Hoerlein, 2007 Bankr.LEXIS 1043
(Bankr.S.D.Ohio
)
2007-04-03 - (In re Hoerlein, 2007 Bankr.LEXIS 1043, Bankr.S.D.Ohio, 04/03/07, 7, N/A )
Ninth Cir (HI)
In re Rezentes, 368 B.R. 55
(Bankr.D.Hawaii
)
2007-04-02 - (In re Rezentes, 368 B.R. 55, Bankr.D.Hawaii, 04/02/07, 13, Above )
Sixth Cir (OH-N)
In re Zayas, 2007 WL 987240
(Bankr.N.D.Ohio
)
2007-04-02 - (In re Zayas, 2007 WL 987240, Bankr.N.D.Ohio, 04/02/07, 7, N/A )
Eighth Cir (AR-W)
In re Ireland, 366 B.R. 27
(Bankr.W.D.Ark.
)
2007-04-02 - (In re Ireland, 366 B.R. 27, Bankr.W.D.Ark., 04/02/07, 13, Above )
Ninth Cir (HI)
In re Rezentes, 368 B.R. 55
(Bankr.D.Hawaii
)
2007-04-02 - (In re Rezentes, 368 B.R. 55, Bankr.D.Hawaii , 4/2/2007,13,Above)
Ninth Cir (9)
In re Carnduff (Carnduff v Dept. of Education), 367 B.R. 120
(9th Cir.
)
2007-03-30 - (In re Carnduff (Carnduff v Dept. of Education), 367 B.R. 120, 9th Cir., 03/30/2007)
Sixth Cir (TN-M)
In re Davis, Case No. 06-06978-MH3-13
(Bankr.M.D.Tenn.
)
2007-03-30 - (In re Davis, Case No. 06-06978-MH3-13, Bankr.M.D.Tenn., 3/30/2007, 13, Above )
Sixth Cir (6)
In re Taranto, 365 B.R. 85; 90
(BAP 6th Cir.
)
2007-03-30 - (In re Taranto, 365 B.R. 85; 90, BAP 6th Cir., 3/30/2007)
Seventh Cir (WI-W)
In re Kogler, 368 B.R. 785
(Bankr.W.D.Wis.
)
2007-03-30 - (In re Kogler, 368 B.R. 785, Bankr.W.D.Wis., 03/30/07, 7, N/A )
Sixth Cir (OH-S)
In re Kolb, 2007 WL 960135
(Bankr.S.D.Ohio
)
2007-03-30 - (In re Kolb, 2007 WL 960135, Bankr.S.D.Ohio, 03/30/07, 13, Above )
Eleventh Cir (GA-S)
In re Campbell, Case No. 06-60280
(Bankr.S.D.Ga.
)
2007-03-29 - (In re Campbell, Case No. 06-60280, Bankr.S.D.Ga., 03/29/07, 13, Above )
Seventh Cir (WI-E)
In re Stimac, 366 B.R. 889
(Bankr.E.D.Wis.
)
2007-03-29 - (In re Stimac, 366 B.R. 889, Bankr.E.D.Wis., 03/29/07, 13, Above )
Eleventh Cir (GA-S)
In re Campbell, No. 06-60280
(Bankr. S.D. Ga
)
2007-03-29 - (In re Campbell, No. 06-60280, Bankr. S.D. Ga, 3/29/2007,7,)
Ninth Cir (MT)
In re Pfeifer, 365 B.R. 187
(Bankr.D.Mont.
)
2007-03-28 - (In re Pfeifer, 365 B.R. 187, Bankr.D.Mont., 03/28/07, 7, N/A )
Sixth Cir (KY-E)
In re Ragle, 2007 WL 1119632
(Bankr.E.D.Ky.
)
2007-03-23 - (In re Ragle, 2007 WL 1119632, Bankr.E.D.Ky., 03/23/07, 7, N/A )
Tenth Cir (OK-W)
In re Galyon, 2007 WL 883394
(Banrk.W.D.Okla.
)
2007-03-22 - (In re Galyon, 2007 WL 883394, Banrk.W.D.Okla., 03/22/07, 7, N/A )
for purposes of the means test calculation, the debtor may deduct the payments at issue, despite her declared intent to surrender the collateral securing the debt
Sixth Cir (OH-N)
In re Wright, 364 B.R. 640
(Bankr.N.D.Ohio
)
2007-03-22 - (In re Wright, 364 B.R. 640, Bankr.N.D.Ohio, 03/22/07, 7, N/A )
Third Cir (NJ)
In re Amato, 366 B.R. 348
(Bankr.D.N.J.
)
2007-03-20 - (In re Amato, 366 B.R. 348, Bankr.D.N.J., 03/20/07, 13, Above )
Debtors argue that the Trustee should not have added onto the Debtors' original "pot plan" the amounts necessary for payments of attorney's fees and the trustee's commission.
The Court feels constrained by the language of Official Form B22C and, thus, will not read more into the language of the set forth in the prescribed Official Form so as to provide for the deduction of debtor's attorneys fees. Accordingly, neither the Trustee's commission nor the Debtors' attorney's fees in this case should be deducted from the projected disposable income received by the Trustee during the applicable commitment period, as provided in the Debtors' modified plan.
Sixth Cir (OH-N)
In re Oot, 368 B.R. 662
(Bankr.N.D.Ohio
)
2007-03-19 - (In re Oot, 368 B.R. 662, Bankr.N.D.Ohio, 03/19/07, 7, N/A )
court dismissed case under totality of the circumstances where debtors made over $3,000 monthly mortgage payments on home, and reaffirmed debts for newer luxury vehicles and pop-up camper)
Sixth Cir (TN-E)
In re Grant, 364 B.R. 656
(Bankr.E.D.Tenn.
)
2007-03-19 - (In re Grant, 364 B.R. 656, Bankr.E.D.Tenn., 03/19/07, 13, Above )
Sixth Cir (TN-E)
In re Grant, 364 B.R. 656
(Bankr.E.D.Tenn.
)
2007-03-19 - (In re Grant, 364 B.R. 656, Bankr.E.D.Tenn., 03/19/07, 13, Above )
Second Cir (CT)
In re Longo, 364 B.R. 161
(Bankr.D.Ct.
)
2007-03-19 - (In re Longo, 364 B.R. 161, Bankr.D.Ct., 03/19/07, 7, N/A )
Fourth Cir (NC-W)
In re Plumb, 373 B.R. 429
(Bankr.W.D.N.C.
)
2007-03-16 - (In re Plumb, 373 B.R. 429, Bankr.W.D.N.C., 03/16/07, 13, Above )
Eleventh Cir (FL-S)
In re Henebury, 361 B.R. 595
(Bankr.S.D.Fla.
)
2007-03-16 - (In re Henebury, 361 B.R. 595, Bankr.S.D.Fla., 03/16/07, 7, N/A )
Sixth Cir (OH-S)
In re Jewell, 365 B.R. 796
(Bankr.S.D.Ohio
)
2007-03-16 - (In re Jewell, 365 B.R. 796, Bankr.S.D.Ohio, 03/16/07, 7, Below )
Seventh Cir (IL-S)
In re Brand, Case No. 06-31309
(Bankr.S.D.Ill.
)
2007-03-15 - (In re Brand, Case No. 06-31309, Bankr.S.D.Ill., 03/15/07, 7, N/A )
Sixth Cir (OH-S)
In re Upton, 363 B.R. 528
(Bankr.S.D.Ohio
)
2007-03-14 - (In re Upton, 363 B.R. 528, Bankr.S.D.Ohio, 03/14/07, 13, Above )
Fifth Cir (TX-s)
In re Martinez, 363 B.R. 525
(Bankr. S.D. Tx.
)
2007-03-12 - (In re Martinez, 363 B.R. 525, Bankr. S.D. Tx., 3/12/2007)
Fourth Cir (VA-E)
In re Stevens, 365 B.R. 610
(Bankr.E.D.Virgina
)
2007-03-09 - (In re Stevens, 365 B.R. 610, Bankr.E.D.Virgina, 3/9/2007, )
Sixth Cir (KY-W)
Haney v. Clippard (In re Haney), Case No. 06-150
(; 2007 U.S. Dist. LEXIS 17295
)
2007-03-09 - (Haney v. Clippard (In re Haney), Case No. 06-150,; 2007 U.S. Dist. LEXIS 17295, W.D. Ky., 3/9/2007,7,)
Fourth Cir (VA-e)
In re Phillips, 362 BR 284; 301-302
(Bankr. E.D.Va.
)
2007-03-08 - (In re Phillips, 362 BR 284; 301-302, Bankr. E.D.Va., 3/8/2007)
Tenth Cir (OK-W)
In re Templeton, 365 B.R. 213
(Bankr.W.D.Okla.
)
2007-03-08 - (In re Templeton, 365 B.R. 213, Bankr.W.D.Okla., 03/08/07, 7, N/A )
Eighth Cir (AR-W)
In re Luton, 363 B.R. 96
(Bankr.W.D.Ark.
)
2007-03-08 - (In re Luton, 363 B.R. 96, Bankr.W.D.Ark., 03/08/07, 13, Below )
Sixth Cir (OH-S)
In re Graham, 363 B.R. 844
(Bankr.S.D.Ohio
)
2007-03-07 - (In re Graham, 363 B.R. 844, Bankr.S.D.Ohio, 03/07/07, 7, N/A )
Fifth Cir (LA-W)
In re Ceasar, 364 BR 25
(Bankr.W.D.La.
)
2007-03-06 - (In re Ceasar, 364 BR 25, Bankr.W.D.La., 03/06/07, 13, Above )
Eighth Cir (MO-E)
In re Delunas, 2007 WL 737763
(Bankr.E.D.Mo.
)
2007-03-06 - (In re Delunas, 2007 WL 737763, Bankr.E.D.Mo., 03/06/07, 7, N/A )
Fourth Cir (NC-M)
In re Enright, 2006 WL 748432
(Bankr.M.D.N.C.
)
2007-03-06 - (In re Enright, 2006 WL 748432, Bankr.M.D.N.C., 03/06/07, 13, Above )
Fifth Cir (LA-W)
In re Ceasar, 364 B.R. 257
(Bankr.W.D.La.
)
2007-03-06 - (In re Ceasar, 364 B.R. 257, Bankr.W.D.La., 3/6/2007,13,Above)
Fourth Cir (VA-E)
In re Husain, 364 BR 211
(Bankr. E.D.Va.
)
2007-03-05 - (In re Husain, 364 BR 211, Bankr. E.D.Va.,3/5/2007,7,N/A)
Fourth Cir (VA-E)
In re Hussain, 364 B.R. 211
(Bankr. E.D.Virginia
)
2007-03-05 - (In re Hussain, 364 B.R. 211, Bankr. E.D.Virginia, 3/5/2007, )
Tenth Cir (KS)
In re Schoen, 2007 WL 643295
(Bankr.D.Kan.
)
2007-03-02 - (In re Schoen, 2007 WL 643295, Bankr.D.Kan., 03/02/07, 7, N/A )
Ninth Cir (OR)
In re Cummings, Case No. 06-33029-tmb-13
(Bankr.D.Or.
)
2007-03-02 - (In re Cummings, Case No. 06-33029-tmb-13, Bankr.D.Or., 03/02/07, 13, Above )
Cir (Ill-c)
Parsons v. Byrd (In re Byrd), 388 B.R. 875
(Bankr. C.D.Ill.
)
2007-03-01 - (Parsons v. Byrd (In re Byrd), 388 B.R. 875, Bankr. C.D.Ill., 3/1/2007)
Tenth Cir (NM)
In re Edmondson, 363 B.R. 212
(Bankr.D.N.M.
)
2007-03-01 - (In re Edmondson, 363 B.R. 212, Bankr.D.N.M., 3/1/2007, 13, Above )
Eighth Cir (NE)
In re Ferando, Case No. 06-81855
(Bankr.D.Neb.
)
2007-03-01 - (In re Ferando, Case No. 06-81855, Bankr.D.Neb., 03/01/07, 7, N/A )
Eleventh Cir (GA-m)
In re Adams, No. 06-51651
(Bankr. M.D. Ga.
)
2007-03-01 - (In re Adams, No. 06-51651, Bankr. M.D. Ga., 3/1/2007)
Third Cir (PA-M)
In re Mundy, 363 B.R. 407
(Bankr.M.D.Pa.
)
2007-03-01 - (In re Mundy, 363 B.R. 407, Bankr.M.D.Pa., 03/01/07, 7, N/A )
Fourth Cir (SC)
In re Ray, 362 B.R. 680
(Bankr.D.S.C.
)
2007-02-28 - (In re Ray, 362 B.R. 680, Bankr.D.S.C., 02/28/07, 7, N/A )
Seventh Cir (IL-C)
In re Carlton, 362 B.R. 402
(Bankr.C.D.Ill.
)
2007-02-28 - (In re Carlton, 362 B.R. 402, Bankr.C.D.Ill., 02/28/07, 13, Above )
Non-mortgage expenses include basic home telephone service.
Ninth Cir (AK)
In re Vesper, 371 B.R. 426
(Bankr.D.Alaska
)
2007-02-28 - (In re Vesper, 371 B.R. 426, Bankr.D.Alaska , 2/28/2007,)
Ninth Cir (MT)
In re Deadmond, Case No. 06-60512
(Bankr.D.Mont.
)
2007-02-27 - (In re Deadmond, Case No. 06-60512, Bankr.D.Mont., 2/27/2007 Reversed, 7, N/A )
Sixth Cir (OH-N)
In re Crews, 2007 WL 626041
(Bankr.N.D.Ohio
)
2007-02-23 - (In re Crews, 2007 WL 626041, Bankr.N.D.Ohio, 02/23/07, 13, Above )
Eleventh Cir (GA-N)
In re Webb, 2007 WL 1856934
(Bankr.N.D.Ga.
)
2007-02-22 - (In re Webb, 2007 WL 1856934, Bankr.N.D.Ga., 02/22/07, 13, Above )
Seventh Cir (WI-E)
In re Sawdy, 362 B.R. 898
(Bankr.E.D.Wis.
)
2007-02-20 - (In re Sawdy, 362 B.R. 898, Bankr.E.D.Wis., 02/20/07, 13, Above )
Sixth Cir (OH-N)
In re Haar, 360 B.R. 759
(Bankr.N.D.Ohio
)
2007-02-20 - (In re Haar, 360 B.R. 759, Bankr.N.D.Ohio, 02/20/07, 7, N/A )
First Cir (1-BAP)
In re Kibbe, 361 B.R. 302
(1st Cir.BAP
)
2007-02-20 - (In re Kibbe, 361 B.R. 302, 1st Cir.BAP, 02/20/07, 13, Below )
Third Cir (NJ)
In re Brady, 361 B.R. 765; 770+
(Bankr.D.N.J.
)
2007-02-13 - (In re Brady, 361 B.R. 765; 770+,Bankr.D.N.J., 2/13/2007, 13, Above )
Follows Guzman There is no discretion woven into the statute to substitute the debtors' Schedule J expenses for the section 707(b) standardized formula for the calculation of applicable and actual expenses. The amended Code now provides express direction as to the particular expenses, and the amount of those expenses, that can be deducted from the debtors' current monthly income to calculate their "disposable income".
Seventh Cir (IL-C)
In re Hall, 2007 WL 445517
(Bankr.C.D.Ill.
)
2007-02-12 - (In re Hall, 2007 WL 445517, Bankr.C.D.Ill., 02/12/07, 13, Above )
Eleventh Cir (FL-M)
In re Laplana, 363 B.R. 259; 267
(Bankr. M.D. Fla
)
2007-02-09 - (In re Laplana, 363 B.R. 259; 267, Bankr. M.D. Fla, 2/9/2007, 13, Above)
Future tax refund is income to be included in Projected Disposable Income for above-median Chapter 13 debtors.
Eleventh Cir (FL-M)
In re La Plana, 2007 WL 431627
(Bankr.M.D.Fla.
)
2007-02-09 - (In re La Plana, 2007 WL 431627, Bankr.M.D.Fla., 02/09/07, 13, Above )
Third Cir (3)
In re Brannon, 476 F. 3d 170
(3rd Circuit
)
2007-02-07 - (In re Brannon, 476 F. 3d 170, 3rd Circuit, 2/7/2007,both,NA,)
Ninth Cir (MT)
In re McDonald, 361 B.R. 527
(Bankr.D.Mont.
)
2007-02-07 - (In re McDonald, 361 B.R. 527, Bankr.D.Mont., 02/07/07, 13, Above )
Tenth Cir (OK-W)
In re Sloan, No. 06-11490
(Bankr.W.D.Okla.
)
2007-02-06 - (In re Sloan, No. 06-11490, Bankr.W.D.Okla., 2/6/2007)
regarding trustees deadline for filing statement of precumed abuse.. Does the 10 day deadline run from the first date of the 341 meeting? This case holds that the date runs from the Conclusion of the meeting.
Sixth Cir (OH-N)
In re Zimmerman, 2007 WL 295452
(Bankr.N.D.Ohio
)
2007-01-29 - (In re Zimmerman, 2007 WL 295452, Bankr.N.D.Ohio, 01/29/07, 13, Above )
Fifth Cir (TX-S)
In re Beacher, 358 B.R. 917
(Bankr.S.D.Tex.
)
2007-01-26 - (In re Beacher, 358 B.R. 917, Bankr.S.D.Tex., 01/26/07, 7, N/A )
Sixth Cir (OH-S)
In re Sorrell, 359 B.R. 167
(Bankr.S.D.Ohio
)
2007-01-26 - (In re Sorrell, 359 B.R. 167, Bankr.S.D.Ohio, 01/26/07, 7, N/A )
In summary, in consideration of the text of various relevant portions of the Social Security. Act, United States Supreme Court language, and a comparison with other statutory text of the 2005 Act, which reference specific provisions of the Social Security Act, the court holds that unemployment compensation is one of the "benefits under the Social Security Act." Accordingly, the 41,295.00 listed by the Debtors on line 9 of their Form 22A is correctly excluded from CMI.
Eighth Cir (NE)
In re Starkey, Case No. 06-81473
(Bankr.D.Neb.
)
2007-01-25 - (In re Starkey, Case No. 06-81473, Bankr.D.Neb., 01/25/07, 7, N/A )
Tenth Cir (UT)
In re Lawson, 361 B.R. 215
(Bankr.D.Utah
)
2007-01-25 - (In re Lawson, 361 B.R. 215, Bankr.D.Utah, 01/25/07, 13, Above )
Fourth Cir (NC-E)
In re Gilligan, Case No. 06-00885-5-ATS
(Bankr.E.D.N.C.
)
2007-01-24 - (In re Gilligan, Case No. 06-00885-5-ATS, Bankr.E.D.N.C., 01/24/07, 7, N/A )
Ninth Cir (CA-E)
In re Hare, 2007 WL 201249
(Bankr.E.D.Cal.
)
2007-01-24 - (In re Hare, 2007 WL 201249, Bankr.E.D.Cal., 01/24/07, 7, N/A )
Fourth Cir (SC)
In re Raybon, 364 B.R. 587
(Bankr.D.S.C.
)
2007-01-23 - (In re Raybon, 364 B.R. 587, Bankr.D.S.C., 01/23/07, 13, Above )
Eighth Cir (IA-N)
In re Luxa, No. 06-01543
(Bankr. N.D. Iowa
)
2007-01-22 - (In re Luxa, No. 06-01543, Bankr. N.D. Iowa, 1/22/2007)
First Cir (RI)
In re Perfetto, 361 B.R. 27
(Bankr.D.R.I.
)
2007-01-19 - (In re Perfetto, 361 B.R. 27, Bankr.D.R.I., 01/19/07, 13 to 7, Above )
Means test required on conversion from Chapter 13.
Ninth Cir (NV)
In re Ewers, 366 B.R. 139
(Bankr.D.Nev.
)
2007-01-18 - (In re Ewers, 366 B.R. 139, Bankr.D.Nev., 01/18/07, 13, Above )
Fourth Cir (VA-E)
In re Winokur, 2007 WL 174011
(Bankr.E.D.Va.
)
2007-01-18 - (In re Winokur, 2007 WL 174011, Bankr.E.D.Va., 01/18/07, 13, Above )
Eleventh Cir (AL-N)
In re Miller, 361 B.R. 224
(Bankr.N.D.Ala.
)
2007-01-18 - (In re Miller, 361 B.R. 224, Bankr.N.D.Ala., 01/18/07, 13, Above )
Ninth Cir (NV)
In re Slusher, 359 B.R. 290
(Bankr.D.Nev.
)
2007-01-17 - (In re Slusher, 359 B.R. 290, Bankr.D.Nev., 01/17/07, 13, Above)
Tenth Cir (UT)
In re Blakeley, 363 BR 225
(Bankr.D.Utah
)
2007-01-17 - (In re Blakeley, 363 BR 225, Bankr.D.Utah, 1/17/2007,)
Sixth Cir (OH-N)
In re Zak, 361 B.R. 481
(Bankr.N.D.Ohio
)
2007-01-12 - (In re Zak, 361 B.R. 481, Bankr.N.D.Ohio, 01/12/07, 7, N/A )
for purposes of determining the presumption of abuse, Debtors are entitled to take the ownership/lease deductions for their two vehicles, despite the fact that they currently have no car payments. However, issue may be relevant in 707(b)(3) motion assessing the "totality of the circumstances"
Sixth Cir (OH-N)
In re Mestemaker, 359 B.R. 849
(Bankr.N.D.Ohio
)
2007-01-10 - (In re Mestemaker, 359 B.R. 849, Bankr.N.D.Ohio, 01/10/07, 7, N/A )
Fifth Cir (TX-S)
In re Boehler, Case No. 06-33030-H5-13
(Bankr.S.D.Tex.
)
2007-01-09 - (In re Boehler, Case No. 06-33030-H5-13, Bankr.S.D.Tex., 01/09/07, 13, Above )
Fifth Cir (LA-E)
In re Devilliers, 2007 WL 92504
(Bankr.E.D.La.
)
2007-01-09 - (In re Devilliers, 2007 WL 92504, Bankr.E.D.La., 01/09/07, 13, Above )
Tenth Cir (UT)
In re Hanks, 362 B.R. 494
(Bankr.D.Utah
)
2007-01-09 - (In re Hanks, 362 B.R. 494, Bankr.D.Utah, 01/09/07, 13, Above )
Fifth Cir (LA-E)
In re Devilliers, 358 B.R. 849
(Bankr.E.D.La.
)
2007-01-09 - (In re Devilliers, 358 B.R. 849, Bankr.E.D.La., 1/9/2007,13,Above)
Ninth Cir (CA-S)
In re Gordon, 360 B.R. 679
(Bankr.S.D.Cal.
)
2007-01-08 - (In re Gordon, 360 B.R. 679, Bankr.S.D.Cal., 01/08/07, 13, Above )
Eighth Cir (MO-W)
In re Ward, 2007 WL 63580
(Bankr.W.D.Mo.
)
2007-01-07 - (In re Ward, 2007 WL 63580, Bankr.W.D.Mo., 01/07/07, 13, Above )
Ninth Cir (MT)
In re Tuss, 360 B.R. 684
(Bankr.D.Mont.
)
2007-01-05 - (In re Tuss, 360 B.R. 684, Bankr.D.Mont., 1/5/2007)
Ninth Cir (MT)
In re Tuss, 360 B.R. 684
(Bankr.D.Mont.
)
2007-01-05 - (In re Tuss, 360 B.R. 684, Bankr.D.Mont., 01/05/07, 13, Above )
Eighth Cir (NE)
In re Mitchell, 368 B.R. 845
(Bankr.D.Neb.
)
2007-01-05 - (In re Mitchell, 368 B.R. 845, Bankr.D.Neb., 01/05/07, 13, Above)
First Cir (NH)
In re Turner, 376 B.R. 370
(Bankr.D.N.H.
)
2007-01-01 - (In re Turner, 376 B.R. 370, Bankr.D.N.H., 01/01/07, 7, N/A )
First Cir (NH)
In re Teixeira, 2006 WL 3780539
(Bankr.D.N.H.
)
2006-12-21 - (In re Teixeira, 2006 WL 3780539, Bankr.D.N.H., 12/21/06, 13, Above )
Seventh Cir (IL-N)
In re Randle, 358 B.R. 360
(Bankr.N.D.Ill.
)
2006-12-19 - (In re Randle, 358 B.R. 360, Bankr.N.D.Ill., 12/19/06 Affirmed, 7, N/A )
Ninth Cir (OR)
In re McUne, 358 B.R. 397
(Bankr.D.Or.
)
2006-12-19 - (In re McUne, 358 B.R. 397, Bankr.D.Or., 12/19/06, 7, N/A )
Tenth Cir (KS)
In re Daniel, 359 B.R. 320
(Bankr.D.Kan.
)
2006-12-15 - (In re Daniel, 359 B.R. 320, Bankr.D.Kan., 12/15/06, 13, Below )
Third Cir (PA-E)
In re Lenton, 358 B.R. 651
(Bankr.E.D.Pa.
)
2006-12-15 - (In re Lenton, 358 B.R. 651, Bankr.E.D.Pa., 12/15/06, 7, N/A )
Seventh Cir (WI-E)
In re Nockerts, 357 B.R. 497
(Bankr.E.D.Wis.
)
2006-12-14 - (In re Nockerts, 357 B.R. 497, Bankr.E.D.Wis., 12/14/06, 7, N/A )
Ninth Cir (CA-N)
In re Pak, 357 BR 549
(Bankr.N.D.Cal.
)
2006-12-14 - (In re Pak, 357 BR 549, Bankr.N.D.Cal., 12/14/06 Affirmed, 13, Above)
Ninth Cir (AK)
In re Bossie, 2006 WL 3703203
(Bankr.D.Alaska
)
2006-12-12 - (In re Bossie, 2006 WL 3703203, Bankr.D.Alaska, 12/12/06, 13, Above )
court refused to confirm plan "because, at [that] time, there [was] insufficient evidence to calculate [the debtors'] anticipated or projected disposable income" and required the debtors to "present specific evidence to show that the numbers reflected on form [B]22C are inaccurate projections of their future finances"
Third Cir (DE)
In re Wilson, 356 B.R. 114
(Bankr.Del.
)
2006-12-11 - (In re Wilson, 356 B.R. 114, Bankr.Del., 12/11/2006, 7,)
Third Cir (DE)
In re Wilson, 356 B.R. 114
(Bankr.D.Del.
)
2006-12-11 - (In re Wilson, 356 B.R. 114, Bankr.D.Del., 12/11/06, 7, N/A )
If the debtor fails to show "special circumstances" the court has no discretion to deny a Motion to Dismiss.
Eleventh Cir (AL-m)
In re Davis, No. 06-10461
(Bankr. M.D. Ala.
)
2006-12-08 - (In re Davis, No. 06-10461, Bankr. M.D. Ala., 12/8/2006)
Tenth Cir (NM)
In re Meyer, 355 B.R. 837
(Bankr.D.N.M.
)
2006-12-05 - (In re Meyer, 355 B.R. 837, Bankr.D.N.M., 12/05/06 Superceded, 13, Below )
of whether the Bankruptcy Code as amended by the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 ("BAPCPA")[1] permits chapter 13 debtors with current monthly income in excess of the median family income, to treat charitable contributions as reasonably necessary expenses. It does not. In consequence, Debtors' chapter 13 plan, which is based on such deductions, cannot be confirmed at this stage of the proceedings.
Fourth Cir (NC-M)
In re Prince, 2006 WL 3501281
(Bankr.M.D.N.C.
)
2006-11-30 - (In re Prince, 2006 WL 3501281, Bankr.M.D.N.C., 11/30/06, 7, N/A )
Third Cir (PA-M)
In re Finnegan, 358 B.R. 644
(Bankr. M.D. Pa.
)
2006-11-30 - (In re Finnegan, 358 B.R. 644, Bankr. M.D. Pa., 11/30/2006)
Seventh Cir (WI-E)
In re Grunert, 353 B.R. 591
(Bankr.E.D.Wis.
)
2006-11-20 - (In re Grunert, 353 B.R. 591, Bankr.E.D.Wis., 11/20/06, 13, Above )
Fourth Cir (NC-E)
In re Ingram, Case No. 06-02714
(Bankr.E.D.N.C.
)
2006-11-20 - (In re Ingram, Case No. 06-02714, Bankr.E.D.N.C., 11/20/06, 13, Above )
Ninth Cir (MT)
In re Naslund, 359 B.R. 781
(Bankr.D.Mont.
)
2006-11-16 - (In re Naslund, 359 B.R. 781, Bankr.D.Mont., 11/16/06, 13, Above )
Ninth Cir (MT)
In re Tranmer, 355 B.R. 234
(Bankr.D.Mont.
)
2006-11-16 - (In re Tranmer, 355 B.R. 234, Bankr.D.Mont., 11/16/06, 13, Above )
Sixth Cir (MI-E)
In re McIvor, 2006 WL 3949172
(Bankr.E.D.Mich.
)
2006-11-15 - (In re McIvor, 2006 WL 3949172, Bankr.E.D.Mich., 11/15/06, 7, N/A )
Fourth Cir (SC)
In re Cleary, 357 B.R. 369
(Bankr.D.S.C.
)
2006-11-14 - (In re Cleary, 357 B.R. 369, Bankr.D.S.C., 11/14/06, 13, Below )
Fifth Cir (TX-S)
In re Solis, 356 BR 398
(Bankr. S.D.TX
)
2006-11-14 - (In re Solis, 356 BR 398, Bankr. S.D.TX, 11/14/2006 )
Ninth Cir (WA-E)
In re Casey, 356 B.R. 519
(Bankr.E.D.Wash.
)
2006-10-27 - (In re Casey, 356 B.R. 519, Bankr.E.D.Wash., 10/27/06, 13, Above )
Court must look forward. Debtor failed to properly amortize court-ordered support payments that were due to expire on the 24th month of his plan. Debtor required to amortize court ordered payments
over a 60 month period. Section 707(b)(2)(A)(iv)
Eleventh Cir (AL-M)
In re Thicklin, 355 B.R. 856
(Bankr.M.D.Ala.
)
2006-10-25 - (In re Thicklin, 355 B.R. 856, Bankr.M.D.Ala., 10/25/06, 13, Below )
Fifth Cir (TX-S)
In re Singletary, 354 B.R. 455
(Bankr.S.D.Tex.
)
2006-10-19 - (In re Singletary, 354 B.R. 455, Bankr.S.D.Tex., 10/19/06, 7, N/A )
Court found that motion to dismiss for abuse requires a recalculation of the means test as of the date of the motion to dismiss. In this case the debtor had surrendered his truck but not his house, but indicated that he planned to surrender his truck later. Court held that surrendered items could not be included in Means Test, but items that had not been surrendered yet COULD be included. (I.e. an intention to surrender in the future did not eliminate the item from the means test.)
Fifth Cir (TX-e)
In re Sparks, 360 B.R. 224
(Bankr.E.D.Tex.
)
2006-10-18 - (In re Sparks, 360 B.R. 224, Bankr.E.D.Tex., 10/18/2006)
Fifth Cir (TX-E)
In re Sparks, 360 B.R. 224
(Bankr.E.D.Tex.
)
2006-10-18 - (In re Sparks, 360 B.R. 224, Bankr.E.D.Tex., 10/18/2006, 13, Above )
First Cir (NH)
In re Haley, 354 B.R. 340
(Bankr.D.N.H.
)
2006-10-18 - (In re Haley, 354 B.R. 340, Bankr.D.N.H., 10/18/06, 13, Above )
statutory distinction between "applicable" and "actual" and legislative history supports allowance of ownership expense deduction even though debtor not making payments
Seventh Cir (WI-E)
In re Balcerowski, 353 B.R. 581
(Bankr.E.D.Wis.
)
2006-10-17 - (In re Balcerowski, 353 B.R. 581, Bankr.E.D.Wis., 10/17/06, 13, Above )
Eighth Cir (IA-N)
In re Pederson, 2006 WL 3000104
(Bankr.N.D.Iowa
)
2006-10-13 - (In re Pederson, 2006 WL 3000104, Bankr.N.D.Iowa, 10/13/06, 13, Above )
Tenth Cir (OK-E)
In re Harris, 353 B.R. 304
(Bankr.E.D.Okla.
)
2006-10-13 - (In re Harris, 353 B.R. 304, Bankr.E.D.Okla., 10/13/06, 7, N/A )
debtors may not include ownership expenses for vehicles on which they do not make payments
Eighth Cir (MN)
In re Hartwick, 352 B.R. 867
(Bankr.D.Minn.
)
2006-10-13 - (In re Hartwick, 352 B.R. 867, Bankr.D.Minn., 10/13/06 Reversed, 7, N/A )
debtor was entitled to claim an expense for vehicle ownership even though she had no purchase or lease payments owing on her vehicle when the case was filed, and
(2) debtor was entitled to claim her actual monthly mortgage debt at filing as a deduction, even though she executed a statement of intention to abandon the property.
Tenth Cir (OK-E)
In re Harris, 353 B.R. 304
(Bankr.E.D.Okla.
)
2006-10-13 - (In re Harris, 353 B.R. 304, Bankr.E.D.Okla., 10/13/2006,7,Above)
Fourth Cir (NC-M)
In re Johnson, 337 B.R. 269
(Bankr.M.D.N.C.
)
2006-10-06 - (In re Johnson, 337 B.R. 269, Bankr.M.D.N.C., 10/06/06, 13, Above )
Pension repayment expense deductible in means test.
Eighth Cir (IA-N)
In re Zirtzman, 2006 WL 3000103
(Bankr.N.D.Iowa
)
2006-10-04 - (In re Zirtzman, 2006 WL 3000103, Bankr.N.D.Iowa, 10/04/06, 13, Above )
Fifth Cir (LA-e)
In re White, 352 B.R. 633
(Bankr. E.D. La.
)
2006-09-29 - (In re White, 352 B.R. 633, Bankr. E.D. La., 9/29/2006)
Sixth Cir (OH-N)
In re Thompson, 350 B.R. 770
(Bankr.N.D.Ohio
)
2006-09-26 - (In re Thompson, 350 B.R. 770, Bankr.N.D.Ohio, 09/26/06, 7, N/A )
Sixth Cir (OH-N)
In re Vagi, 351 B.R. 881
(Bankr. N.D. Ohio
)
2006-09-26 - (In re Vagi, 351 B.R. 881, Bankr. N.D. Ohio, 9/26/2006)
Ninth Cir (NV)
In re Trejos, 352 B.R. 249
(Bankr. D. Nev.
)
2006-09-25 - (In re Trejos, 352 B.R. 249, Bankr. D. Nev., 9/25/2006)
Seventh Cir (WI-e)
In re Brill, 350 B.R. 853
(Bankr. E.D. Wis.
)
2006-09-22 - (In re Brill, 350 B.R. 853, Bankr. E.D. Wis., 9/22/2006)
Fourth Cir (NC-M)
In re Girodes, 350 B.R. 31
(Bankr.M.D.N.C.
)
2006-09-20 - (In re Girodes, 350 B.R. 31, Bankr.M.D.N.C., 09/20/06, 13, Below )
Second Cir (NY-W)
In re La Sota, 351 B.R. 56
(Bankr.W.D.N.Y
)
2006-09-19 - (In re La Sota, 351 B.R. 56, Bankr.W.D.N.Y, 09/19/06, 13, Above )
Fourth Cir (SC)
In re Napier, 2006 WL 4128358
(Bankr.D.S.C.
)
2006-09-18 - (In re Napier, 2006 WL 4128358, Bankr.D.S.C., 09/18/06, 13, Above )
Fourth Cir (SC)
In re Edmunds, 350 B.R. 636
(Bankr.D.S.C.
)
2006-09-18 - (In re Edmunds, 350 B.R. 636, Bankr.D.S.C., 09/18/06, 13, Above )
Seventh Cir (IL-n)
In re Farrer-Johnson, 353 B.R. 224
(Bankr. N.D. Ill.
)
2006-09-15 - (In re Farrer-Johnson, 353 B.R. 224, Bankr. N.D. Ill., 9/15/2006, 13)
Debtor in rent free military housing was allowed to take full IRS allowance.
Seventh Cir (IL-N)
In re Farrar-Johnson, 353 B.R. 224
(Bankr.N.D.Ill.
)
2006-09-15 - (In re Farrar-Johnson, 353 B.R. 224, Bankr.N.D.Ill., 09/15/06, 13, Above )
statutory distinction between "applicable" and "actual" and legislative history supports allowance of deduction despite free and clear ownership of house. debtors are entitled to deduct a housing expense under the IRS standards even though the debtors live in military housing and so have no such expense
Seventh Cir (IL-N)
In re Farrar-Johnson, 353 B.R. 224
(Bankr.N.D.Ill.
)
2006-09-15 - (In re Farrar-Johnson, 353 B.R. 224, Bankr.N.D.Ill., 9/15/2006,13)
Sixth Cir (OH-N)
In re Castle, 362 B.R. 846
(Bankr.N.D.Ohio
)
2006-09-11 - (In re Castle, 362 B.R. 846, Bankr.N.D.Ohio, 09/11/06, 7, N/A )
Seventh Cir (IN-N)
In re Foster, 2006 WL 2621080
(Bankr.N.D.Ind.
)
2006-09-11 - (In re Foster, 2006 WL 2621080, Bankr.N.D.Ind., 09/11/06, 13, Above )
Third Cir (DE)
In re Fowler, 349 B.R. 414
(Bankr.D.Del.
)
2006-09-11 - (In re Fowler, 349 B.R. 414, Bankr.D.Del., 09/11/06, 7, N/A )
statutory distinction between "applicable" and "actual" and legislative history supports allowance of deduction despite free and clear ownerhsip of vehicle
Second Cir (NY-N)
In re Rotunda, 349 B.R. 324
(Bankr.N.D.N.Y.
)
2006-09-01 - (In re Rotunda, 349 B.R. 324, Bankr.N.D.N.Y., 09/01/06, 13, Above )
BAPCPA prevents court from looking at anything other than the income six months prior to filing when confirming a Chapter 13 plan
Fourth Cir (NC-M)
In re Crittendon, 2006 WL 2547102
(Bankr.M.D.N.C.
)
2006-09-01 - (In re Crittendon, 2006 WL 2547102, Bankr.M.D.N.C., 09/01/06, 13, Above )
Fifth Cir (LA-w)
In re Hill, 352 B.R. 69
(Bankr. W.D.La.
)
2006-09-01 - (In re Hill, 352 B.R. 69, Bankr. W.D.La., 9/1/2006, 13)
Third Cir (DE)
In re Pennington, 348 B.R. 647
(Bankr.D.Del.
)
2006-08-30 - (In re Pennington, 348 B.R. 647, Bankr.D.Del., 08/30/06, 7, Below )
Eleventh Cir (AL-M)
In re Love, 350 B.R. 611
(Bankr.M.D.Ala.
)
2006-08-30 - (In re Love, 350 B.R. 611, Bankr.M.D.Ala., 08/30/06, 13, Above )
Third Cir (3)
In re Scarborough, 461 F.3d 406
(3rd Cir
)
2006-08-28 - (In re Scarborough, 461 F.3d 406, 3rd Cir, 8/28/2006, 13, NA)
mortgage secured by property that includes, in addition to the debtor's principal residence, other income-producing rental property is secured by real property other than the debtor's principal residence and, thus, modification of the mortgage is permitted
Second Cir (NY-N)
In re Diagostino, 347 B.R. 116
(Bankr.N.D.N.Y.
)
2006-08-28 - (In re Diagostino, 347 B.R. 116, Bankr.N.D.N.Y., 08/28/06 Superceded, 13, Below )
Fourth Cir (NC-E)
In re Braswell, Case No. 06-00318-8-JRL
(Bankr.E.D.N.C.
)
2006-08-23 - (In re Braswell, Case No. 06-00318-8-JRL, Bankr.E.D.N.C., 08/23/06, 13, Below )
Sixth Cir (MI-E)
In re Davis, 348 B.R. 449
(Bankr.E.D.Mich.
)
2006-08-21 - (In re Davis, 348 B.R. 449, Bankr.E.D.Mich., 08/21/06, 13, Above )
Ninth Cir (OR)
In re Carlin, 348 B.R. 795
(Bankr.D.Or.
)
2006-08-18 - (In re Carlin, 348 B.R. 795, Bankr.D.Or., 08/18/06, 13, Above )
Eighth Cir (MO-E)
In re Skaggs, 349 B.R. 594
(Bankr.E.D.Mo.
)
2006-08-18 - (In re Skaggs, 349 B.R. 594, Bankr.E.D.Mo., 08/18/06, 7, N/A )
Fifth Cir (TX-E)
In re Wayman, 351 B.R. 808
(Bankr.E.D.Tex.
)
2006-08-16 - (In re Wayman, 351 B.R. 808, Bankr.E.D.Tex., 08/16/06, 13, Above )
Eighth Cir (MO-E)
In re Skaggs, 349 B.R. 594
(Bankr.E.D.Mo.
)
2006-08-16 - (In re Skaggs, 349 B.R. 594, Bankr.E.D.Mo., 8/16/2006,7,Above)
Sixth Cir (MI-W)
In re Wallace, 347 B.R. 626
(Bankr. W.D. Mich.
)
2006-08-09 - (In re Wallace, 347 B.R. 626, Bankr. W.D. Mich., 8/9/2006,7,)
Fifth Cir (TX-W)
In re Oliver, 350 B.R. 294
(Bankr.W.D.Tex.
)
2006-08-08 - (In re Oliver, 350 B.R. 294, Bankr.W.D.Tex., 08/08/06, 7, N/A )
Eighth Cir (IA-N)
In re Batzkiel, 349 B.R. 581
(Bankr.N.D.Iowa
)
2006-08-07 - (In re Batzkiel, 349 B.R. 581, Bankr.N.D.Iowa, 08/07/06, 7, N/A )
Seventh Cir (IL-N)
In re Wiggs, 2006 WL 2246432
(Bankr.N.D.Ill.
)
2006-08-04 - (In re Wiggs, 2006 WL 2246432, Bankr.N.D.Ill., 08/04/06, 13, Above )
Tenth Cir (KS)
In re Lewis, 347 B.R. 769
(Bankr.D. Kan.
)
2006-08-03 - (In re Lewis, 347 B.R. 769, Bankr.D. Kan., 8/3/2006)
Fifth Cir (TX-N)
In re Barraza, 346 B.R. 724
(Bankr.N.D.Tex.
)
2006-08-01 - (In re Barraza, 346 B.R. 724, Bankr.N.D.Tex., 08/01/06, 7, N/A )
Pension repayment expense not deductible in means test.
Seventh Cir (IL-N)
In re Demonica, 345 B.R. 895
(Bankr.N.D.Ill.
)
2006-07-31 - (In re Demonica, 345 B.R. 895, Bankr.N.D.Ill., 07/31/06, 13, Above )
the debtor did not own or lease the vehicle at issue, but was the primary user of the vehicle and did make the monthly payments, court allowed the debtor to claim the ownership deduction
Seventh Cir (IL-N)
In re Demonica, 345 B.R. 895
(Bankr.N.D.Ill.
)
2006-07-31 - (In re Demonica, 345 B.R. 895, Bankr.N.D.Ill., 7/31/2006,13)
the debtor did not own or lease the vehicle at issue, but was the primary user of the vehicle and did make the monthly payments, court allowed the debtor to claim the ownership deduction
Fourth Cir (VA-W)
In re McPherson, 350 B.R. 38
(Bankr.W.D.Va.
)
2006-07-31 - (In re McPherson, 350 B.R. 38, Bankr.W.D.Va., 07/31/06, 13, Above )
Cannot deduct contractual monthly payment on crammed down secured claim. Can only deduct cram down amount.
Sixth Cir (OH-N)
In re Ford, 2006 WL 4458358
(Bankr.N.D.Ohio
)
2006-07-26 - (In re Ford, 2006 WL 4458358, Bankr.N.D.Ohio, 07/26/06, 13, Above )
Eleventh Cir (FL-S)
In re Press, No. 06-10978
(Bankr. S.D. Fla.
)
2006-07-26 - (In re Press, No. 06-10978, Bankr. S.D. Fla., 7/26/2006)
Eleventh Cir (GA-N)
In re Grady, 343 B.R. 747
(Bankr.N.D.Ga.
)
2006-07-21 - (In re Grady, 343 B.R. 747, Bankr.N.D.Ga., 07/21/06, 13, Above )
Eleventh Cir (GA-S)
In re Johnson (Baxter v. Johnson), 346 B.R. 256
(Bankr.S.D.Ga.
)
2006-07-21 - (In re Johnson (Baxter v. Johnson), 346 B.R. 256, Bankr.S.D.Ga., 07/21/06, 13, Above )
Fifth Cir (LA-w)
In re Johnson, 350 B.R. 712; 716
(Bankr. W.D. La.
)
2006-07-20 - (In re Johnson, 350 B.R. 712; 716, Bankr. W.D. La., 7/20/2006)
Seventh Cir (WI-E)
In re Guzman, 345 B.R. 640
(Bankr.E.D.Wis.
)
2006-07-19 - (In re Guzman, 345 B.R. 640, Bankr.E.D.Wis., 07/19/06, 13, Above )
Eighth Cir (MO-W)
In re Sanchez, 2006 WL 2038616
(Bankr.W.D.Mo.
)
2006-07-13 - (In re Sanchez, 2006 WL 2038616, Bankr.W.D.Mo., 07/13/06, 13, Above )
401(k) disbursements received by the debtor during the 6-month period before filing are included in the definition of CMI
Sixth Cir (KY-W)
In re Risher, 344 BR 833
(Bankr.W.D.Ky
)
2006-07-12 - (In re Risher, 344 BR 833, Bankr.W.D.Ky, 07/12/06, 13, Above)
Sixth Cir (KY-W)
In re Rischer, 344 B.R. 833
(Bankr.W.D.Ky.
)
2006-07-12 - (In re Rischer, 344 B.R. 833, Bankr.W.D.Ky., 07/12/06, 13, Above )
Sixth Cir (TN-M)
In re Chriss-Price, 376 B.R. 648
(Bankr.M.D.Tenn.
)
2006-07-05 - (In re Chriss-Price, 376 B.R. 648, Bankr.M.D.Tenn., 07/05/06, 13, Above )
Fourth Cir (NC-E)
In re Alexander, 344 B.R. 742
(Bankr.E.D.N.C.
)
2006-06-30 - (In re Alexander, 344 B.R. 742, Bankr.E.D.N.C., 06/30/06, 13, Above )
During the formative discussions on BAPCPA's impact on chapter 13 debtors, concerns were raised that debtors, who might have excess income over the deductions allowed by the IRS Standards, would not be required to dedicate that income to the plan. Although Congress was apparently aware of these concerns, it chose not to respond, and crafted a bill that allowed a debtor to deduct "applicable Local Standards" and "actual Other Expenses."
Eighth Cir (IA-N)
In re James, 345 B.R. 664
(Bkrtcy.N.D.Iowa
)
2006-06-30 - (In re James, 345 B.R. 664, Bkrtcy.N.D.Iowa, 6/30/2006)
dismissed under 707(b)(3) "totality of circumstances" because in the year preceding his bankruptcy, he received substantial sums of money from various sources and spent it all on unnecessary indulgences, rather than pay down his debt.
Tenth Cir (UT)
In re Fuger, 347 B.R. 94
(Bankr.D.Utah
)
2006-06-29 - (In re Fuger, 347 B.R. 94, Bankr.D.Utah, 06/29/06, 13, Above )
Tenth Cir (KS)
In re Lowder,
(Bankr. D. Kan.
)
2006-06-28 - (In re Lowder, , Bankr. D. Kan., 6/28/2006)
Fifth Cir (TX-N)
In re Lara, 347 B.R. 198
(Bankr.N.D.Tex.
)
2006-06-28 - (In re Lara, 347 B.R. 198, Bankr.N.D.Tex., 06/28/06, 13, Above )
Fifth Cir (TX-N)
In re Lara, 347 B.R. 198
(Bankr.N.D.Tex.
)
2006-06-28 - (In re Lara, 347 B.R. 198, Bankr.N.D.Tex., 6/28/2006,13,Above)
Eleventh Cir (AL-N)
In re Dew, 344 B.R. 655
(Bankr.N.D.Ala.
)
2006-06-21 - (In re Dew, 344 B.R. 655, Bankr.N.D.Ala., 06/21/06, 13, Below )
Seventh Cir (IL-S)
In re Fuller, 346 B.R. 472
(Bankr.S.D.Ill.
)
2006-06-21 - (In re Fuller, 346 B.R. 472, Bankr.S.D.Ill., 06/21/06, 13, Below )
Tenth Cir (UT)
In re Wilbur, 344 B.R. 650
(Bankr.D.Utah
)
2006-06-21 - (In re Wilbur, 344 B.R. 650, Bankr.D.Utah, 06/21/06, 13, Above )
Eighth Cir (MO-W)
In re Gress, 344 B.R. 919
(Bankr.W.D.Mo.
)
2006-06-14 - (In re Gress, 344 B.R. 919, Bankr.W.D.Mo., 06/14/06, 13, Above )
Fifth Cir (TX-n)
In re Bufford, 343 B.R. 827; 835
(Bankr. N.D. Tex.
)
2006-06-13 - (In re Bufford, 343 B.R. 827; 835, Bankr. N.D. Tex., 6/13/2006)
Fourth Cir (NC-E)
In re Donald, 343 B.R. 524
(Bankr.E.D.N.C.
)
2006-06-12 - (In re Donald,343 B.R. 524, Bankr.E.D.N.C., 6/12/2006, 7)
Fourth Cir (NC-e)
In re Brooks, 344 B.R. 417
(Bankr. E.D.N.C.
)
2006-06-09 - (In re Brooks, 344 B.R. 417, Bankr. E.D.N.C., 6/9/2006)
Eleventh Cir (GA-N)
In re Clemons, 404 B.R. 577
(Bankr.N.D.Ga.
)
2006-06-01 - (In re Clemons, 404 B.R. 577, Bankr.N.D.Ga., 06/01/06, 13, Above )
Eighth Cir (MO-W)
In re McGuire, 342 B.R. 608
(Bankr.W.D.Mo.
)
2006-06-01 - (In re McGuire, 342 B.R. 608, Bankr.W.D.Mo., 06/01/06, 13, Above )
in the context of a Chapter 13 bankruptcy, a debtor cannot deduct ownership expense when debtor is not incurring expenses for the purchase or lease of a vehicle. According to the guidelines, a taxpayer cannot claim an IRS ownership expense for a vehicle the taxpayer owns free and clear.
Eighth Cir (AR-e)
In re Scruggs, 342 B.R. 571
(Bankr. E.D. Ark.
)
2006-05-31 - (In re Scruggs, 342 B.R. 571, Bankr. E.D. Ark., 5/31/2006)
Eighth Cir (MO-W)
In re Schanuth, 342 B.R. 601
(Bankr.W.D.Mo.
)
2006-05-25 - (In re Schanuth, 342 B.R. 601, Bankr.W.D.Mo., 05/25/06, 13, Below )
Ninth Cir (CA-N)
In re Pak, 343 B.R. 239
(Bkrtcy.N.D.Cal.
)
2006-05-18 - (In re Pak, 343 B.R. 239, Bkrtcy.N.D.Cal., 5/18/2006,7)
Totality of circumstances; 707(b)(3);
denied a debtor the right to file Chapter 7 because the debtor was about to have a substantial increase in income.
Ninth Cir (CA-N)
In re Quintero, 2006 WL 1351623
(Bankr. N.D. Cal.
)
2006-05-17 - (In re Quintero, 2006 WL 1351623, Bankr. N.D. Cal., 5/17/2006,)
(section 521(a)(6) does not require reaffirmation agreement to be approved)
Seventh Cir (IL-C)
In re Pryor, 341 B.R. 648
(Bankr. C.D. Ill.
)
2006-05-12 - (In re Pryor, 341 B.R. 648, Bankr. C.D. Ill., 5/12/2006)
Eighth Cir (MO-W)
In re Renicker, 342 B.R. 304
(Bankr.W.D.Mo.
)
2006-05-11 - (In re Renicker, 342 B.R. 304, Bankr.W.D.Mo., 05/11/06, 13, Above)
Tenth Cir (KS)
In re Rowe, 342 B.R. 341
(D.Kan.
)
2006-05-10 - (In re Rowe,342 B.R. 341, D.Kan., 5/10/2006)
"ride through option not available after BAPCPA. No protection by stay. but "although Congress technically eliminated the "fourth option," as now there are consequences for failing to obtain a right of continued possession through redemption or reaffirmation, as applied to consumer transactions, in Kansas the creditor's remedy of expiration of the stay in many cases will be illusory, because the conditions to declare a default and obtain possession of the collateral will not be present under Kansas law when the 352*352 debtor remains current on the obligation and there is no other basis for finding significant impairment" (BUT See Hall v Ford Motor Credit co. LLC, (Kansas S.Ct 2011)
Seventh Cir (IL-C)
In re Beasley, 342 B.R. 280
(Bankr.C.D.Ill.
)
2006-05-08 - (In re Beasley, 342 B.R. 280, Bankr.C.D.Ill., 05/08/06, 13, Below)
calculations required to be made on Form B22C are fully determinative of the applicable commitment period
Eleventh Cir (GA-N)
In re Walker, 2006 WL 1314125
(Bankr.N.D.Ga.
)
2006-05-01 - (In re Walker, 2006 WL 1314125, Bankr.N.D.Ga., 05/01/06, 7, N/A )
Debtors May Include Deduction for Installment Payments on Secured Debt in "Means Test" Calculation Even if Debtor Intends to Surrender Collateral
Ninth Cir (9)
In re Nys, 446 F.3d 938
(9th Cir.
)
2006-04-26 - (In re Nys, 446 F.3d 938, 9th Cir., 4/26/2006)
The bankruptcy court should consider whether Nys has shown that her inability to pay will likely persist throughout a substantial portion of her loans' repayment period.
Fifth Cir (TX-s)
In re DeSardi, 340 B.R. 790
(Bankr. S.D. Tex.
)
2006-04-21 - (In re DeSardi, 340 B.R. 790, Bankr. S.D. Tex., 4/21/2006)
First Cir (NH)
In re Kibbe, 342 B.R. 411
(Bankr.D.N.H.
)
2006-04-14 - (In re Kibbe, 342 B.R. 411, Bankr.D.N.H., 04/14/06, 13, Below )
Fourth Cir (SC)
In re Cushman, 350 B.R. 207
(Bankr.D.S.C.
)
2006-04-06 - (In re Cushman, 350 B.R. 207, Bankr.D.S.C., 04/06/06, 13, Above )
Fourth Cir (NC-M)
In re Barr, 341 B.R. 181
(Bankr.M.D.N.C.
)
2006-04-05 - (In re Barr, 341 B.R. 181, Bankr.M.D.N.C., 04/05/06, 13, Above )
Eleventh Cir (FL-M)
In re Quarterman, 342 B.R. 647
(Bankr.M.D.Fla.
)
2006-03-28 - (In re Quarterman, 342 B.R. 647, Bankr.M.D.Fla., 03/28/06, 13, Below )
Eleventh Cir (GA-s)
In re Brown, 339 B.R. 818
(Bankr. S.D. Ga.
)
2006-03-27 - (In re Brown, 339 B.R. 818, Bankr. S.D. Ga., 3/27/2006)
Eighth Cir (MO-e)
In re Fleming, 339 B.R. 716; 722
(Bankr. E.D. Mo.
)
2006-03-27 - (In re Fleming, 339 B.R. 716; 722, Bankr. E.D. Mo., 3/27/2006)
Tenth Cir (UT)
In re Jass, 340 B.R. 411
(Bankr.D.Utah
)
2006-03-22 - (In re Jass, 340 B.R. 411, Bankr.D.Utah, 03/22/06, 13, Above )
Fifth Cir (TX-N)
In re Hardacre, 338 B.R. 718
(Bankr.N.D.Tex.
)
2006-03-06 - (In re Hardacre, 338 B.R. 718, Bankr.N.D.Tex., 03/06/06, 13, Above)
a Chapter 13 that debtor cannot deduct ownership expense for vehicle owned free and clear
Fifth Cir (TX-N)
In re Hardacre, 338 B.R. 718
(Bankr.N.D.Tex.
)
2006-03-06 - (In re Hardacre, 338 B.R. 718, Bankr.N.D.Tex., 3/6/2006,7,Above)
Eleventh Cir (AL-m)
In re Wright, 338 B.R. 917
(Bankr. M.D. Ala.
)
2006-02-28 - (In re Wright, 338 B.R. 917, Bankr. M.D. Ala., 2/28/2006)
Eighth Cir (MO-w)
In re Robinson, 338 B.R. 70; 75
(Bankr. W.D. Mo.
)
2006-02-10 - (In re Robinson, 338 B.R. 70; 75, Bankr. W.D. Mo., 2/10/2006)
Ninth Cir (9-BAP)
In re Concannon, 338 B.R. 90
(B.A.P. 9th Cir.
)
2006-02-07 - (In re Concannon, 338 B.R. 90, B.A.P. 9th Cir., 2/7/2006 ,7)
Fifth Cir (TX-N)
In re Moates, 338 B.R. 716
(Bankr.N.D.Tex.
)
2006-01-27 - (In re Moates, 338 B.R. 716, Bankr.N.D.Tex., 1/27/2006, 7, N/A )
The debtors contend that the statement of monthly income is only relevant if they have primarily consumer debts thereby making them potentially subject to the means testing required under section 707(b) of the Bankruptcy Code. Court agrees.
Fifth Cir (5)
In re Sinclair, 417 F.3d 527
(C.A.5 (La.)
)
2005-07-19 - (In re Sinclair, 417 F.3d 527, C.A.5 (La.),7/19/2005)
Fifth Cir (TX-E)
In re Wayman, 351 B.R. 808
(Bankr.E.D.Tex.
)
2005-06-28 - (In re Wayman, 351 B.R. 808, Bankr.E.D.Tex., 06/28/05, , )
Third Cir (3)
in re Fernandos, 402 F.3d 147
(3rd Cir.
)
2005-03-18 - (in re Fernandos, 402 F.3d 147, 3rd Cir., 3/18/2005)
Sixth Cir (OH-N)
In re Jones, 318 BR 841
(Bankr. SD Ohio
)
2005-01-07 - (In re Jones, 318 BR 841, Bankr. SD Ohio, 1/7/2005)
Eighth Cir (8-BAP)
In re Irish, 311 BR 63
(BAP 8th Circuit
)
2004-05-20 - (In re Irish, 311 BR 63, BAP 8th Circuit, 5/20/2004)
Third Cir (3)
In re Price, 370 B.R. 362
(3rd Cir
)
2004-02-03 - (In re Price, 370 B.R. 362, 3rd Cir, 2/3/2004, )
Ninth Cir (9)
In re Price, 353 F.3d 1135
(9th Cir.
)
2004-01-07 - (In re Price, 353 F.3d 1135, 9th Cir., 1/7/2004, 7)
Mortgages are consumer debts.
Sixth Cir (6)
Talbert v. City Mortg. Serv., 344 F.3d 555
(6th Cir.
)
2003-09-24 - (Talbert v. City Mortg. Serv., 344 F.3d 555,6th Cir., 9/24/2003, 7)
Cir ()
In re Riendeau, 336 F. 3d 78
(.2nd Cir
)
2003-07-09 - (In re Riendeau, 336 F. 3d 78, .2nd Cir, 7/9/2003)
Fourth Cir (4)
Ekenasi v. Education Resources Institute (In re Ekenasi), 325 F.3d 541
(4th Cir.
)
2003-04-16 - (Ekenasi v. Education Resources Institute (In re Ekenasi), 325 F.3d 541, 4th Cir., 4/16/2003)
Second Cir (VT)
In re Riendeau, 293 B.R. 832
(D.Vt.
)
2002-10-11 - (In re Riendeau, 293 B.R. 832, D.Vt., 10/11/2002)
Fourth Cir (4)
Ryan v. Homecomings Fin. Network, 253 F.3d 778
(4th Cir
)
2001-06-01 - (Ryan v. Homecomings Fin. Network, 253 F.3d 778, 4th Cir, 6/1/2001,7)
Tenth Cir (KS)
In re Urban, 262 B.R. 865; 869-70
(Bankr. D.Kan.
)
2001-05-30 - (In re Urban, 262 B.R. 865; 869-70, Bankr. D.Kan., 5/30/2001)
Seventh Cir (IN-N)
In re Cross, 255 B.R. 25
(Bankr.N.D.Indiana
)
2000-10-02 - (In re Cross, 255 B.R. 25, Bankr.N.D.Indiana,10/2/2000,,)
Ninth Cir (9-BAP)
In re Robinson, 241 B.R. 447; 451
(9th Cir. BAP
)
1999-11-02 - (In re Robinson, 241 B.R. 447; 451, 9th Cir. BAP, 11/2/1999)
Tenth Cir (10)
In re Stewart, 175 F.3d 796
(10th Cir.
)
1999-04-22 - (In re Stewart, 175 F.3d 796, 10th Cir., 4/22/1999, 7)
Affirmed BAP court holding that debtors student loan in this case was a consumer debt under 707(b) because the loan proceeds were not used for the debtor's professional education, and therefore the 'purpose' of the loan turned out to be for family and personal purposes.
"Unlike these cases, the record in this case shows the actual purpose for which Dr. Stewart used the intra-family loans. In fact, Dr. Stewart's own testimony supports the finding he used the money predominantly for family living expenses 807*807 rather than for direct educational costs. Stewart III, 215 B.R. at 465. Dr. Stewart testified his ex-wife used the money to support their family, including use for house payments, groceries, pre-school, children's activities, moving expenses, and family vacations. Nothing in the record convinces us the main purpose of these loans was to finance Dr. Stewart's actual educational expenses. Rather, Dr. Stewart used the money to support his family because he did not earn enough for his family to live comfortably. Notably, this support continued even during those times when Dr. Stewart did not attend college. Thus, the intra-family loans Dr. Stewart received for household and family expenses are "consumer debt."
"The Panel concluded Dr. Stewart's student loans totaling $218,000 constitute "consumer debt" because the money was used for dual family and personal purposes. Due to the lack of evidence in the record and authority to guide us, we are unwilling to characterize the entire $218,000 as consumer debt. However, based on the evidence in the record, we can comfortably conclude a substantial portion of Dr. Stewart's student loan debt is indeed "consumer debt."
First Cir (1)
In re Burr, 160 F.3d 843
(1st Cir.
)
1998-11-25 - (In re Burr, 160 F.3d 843, 1st Cir., 11/25/1998,)
Tenth Cir (CO)
In re Wisher, 222 B.R. 634
(Bankr. D.Colo.
)
1998-05-07 - (In re Wisher,222 B.R. 634 ,Bankr. D.Colo. ,5/7/1998)
there was no testimony regarding how the student loan was used, so the Court held it was consumer debt
Sixth Cir (TN-E)
In re Lawrence, 219 B.R. 786
(E.D.Tenn.
)
1998-03-18 - (In re Lawrence, 219 B.R. 786 ,E.D.Tenn., 3/18/1998)
Ninth Cir (9)
In re Parker, 139 F.3d 668
(9th Cir.
)
1998-03-17 - (In re Parker, 139 F.3d 668, 9th Cir., 3/17/1998, )
Fifth Cir (5-n)
In re Brashers, 216 B.R. 59
(Bankr.Okla.
)
1998-01-12 - (In re Brashers, 216 B.R. 59, Bankr.Okla., 1/12/1998, 7)
Income tax debts are not consumer debts.
Tenth Cir (10)
In re Stewart, 215 B.R. 456
(10th Cir. BAP
)
1997-12-09 - (In re Stewart, 215 B.R. 456, 10th Cir. BAP, 12/9/1997, 7
)
Student loan is consumer debt under Sec 707(b) Student loan in this case was a consumer debt under Sec 707(b). because the loan proceeds were not used for the debtor's professional education, and therefore the 'purpose' of the loan turned out to be for family and personal purposes.
Second Cir (2)
In re Boodrow, 126 F.3d. 43
(2d Cir
)
1997-09-12 - (In re Boodrow, 126 F.3d. 43, 2d Cir, 9/12/1997,)
Third Cir (PA-w)
In re Claude, 206 B.R. 374
(Bankr. W.D.Pa.
)
1997-03-25 - (In re Claude, 206 B.R. 374, Bankr. W.D.Pa., 3/25/1997)
Third Cir (PA-e)
In re Bova, 205 B.R. 467
(Bankr. E.D.Pa.
)
1997-02-26 - (In re Bova, 205 B.R. 467, Bankr. E.D.Pa., 2/26/1997)
Eighth Cir (SD)
U.S. v. Christensen, 200 B.R. 869
(D.S.D.
)
1996-09-19 - (U.S. v. Christensen, 200 B.R. 869, D.S.D., 9/19/1996)
Fifth Cir (5)
In re Johnson, 89 F.3d 249
(5th Cir
)
1996-07-26 - (In re Johnson, 89 F.3d 249, 5th Cir, 7/26/1996, )
Eleventh Cir (FL-m)
In re Dickerson, 193 B.R. 67
(Bankr. M.D. Fla.
)
1996-02-21 - (In re Dickerson, 193 B.R. 67, Bankr. M.D. Fla., 2/21/1996, 7)
Student loan not consumer debt under Sec 707(b).
"Based on the evidence and testimony presented at trial, the Court categorizes the debts as follows:
Consumer Debts
(1) Car Loan ................................ $10,600.00
(2) First mortgage on Home .................. $68,000.00
(3) Books ....................................... $36.90
(4) Credit Card Bills ....................... $15,256.45
TOTAL ................................... $93,893.35
Non-Consumer Debts
(1) Medical Bills .............................. $459.15
(2) Student Loans ........................... $10,172.20
(3) Internal Revenue Service Debt ............ $1,260.00
TOTAL ................................... $11,891.35
"
Second Cir (NY-n)
In re Vianese, 192 B.R. 61
(Bankr. N.D.N.Y.
)
1996-01-19 - (In re Vianese, 192 B.R. 61, Bankr. N.D.N.Y., 1/19/1996)
Eleventh Cir (FL-m)
In re Gentri, 185 B.R.368
(Bankr. M.D. Fla.
)
1995-07-11 - (In re Gentri, 185 B.R.368, Bankr. M.D. Fla., 7/11/1995, 7,
)
Student loans not consumer debt under Sec 707(b).
Eleventh Cir (11)
In re Taylor, 3 F.3d 1512
(11th Cir.
)
1993-10-13 - (In re Taylor, 3 F.3d 1512, 11th Cir., 10/13/1993,)
Sixth Cir (OH-n
)
In re Marshalek, 158 B.R. 704
(Bankr.N.D. Ohio
)
1993-09-13 - (In re Marshalek, 158 B.R. 704, Bankr.N.D. Ohio, 9/13/1993, 7
)
Tort debts are not consumer debt under Sec 707(b).
Fourth Cir (4)
In re Belanger, 962 F.2d 345
(4th Cir.
)
1992-04-27 - (In re Belanger, 962 F.2d 345, 4th Cir., 4/27/1992, )
Cir (US)
Dewsnup v.Timm, 502 US 410
(S.Ct.
)
1992-01-15 - (Dewsnup v.Timm, 502 US 410, S.Ct. , 1/15/1992, 7)
Section 506(d) cannot be used by Chapter 7 debtors to eliminate liens on undersecured property.
Tenth Cir (10)
In re Kulp, 949 F.2d 1106
(10th Cir
)
1991-11-27 - (In re Kulp, 949 F.2d 1106, 10th Cir, 11/27/1991,)
Tenth Cir (CO)
In re Mata, 115 B.R. 288
(Bankr.D.Colorado
)
1990-06-14 - (In re Mata, 115 B.R. 288, Bankr.D.Colorado,6/14/1990,,)
Seventh Cir (7)
In re Edwards, 901 F.2d 1387
(7th Cir
)
1990-04-27 - (In re Edwards, 901 F.2d 1387, 7th Cir, 4/27/1990,)
Main 7th Circuit authority before BAPCPA. - NOT allowing ride through.
Tenth Cir (10)
Lowry Fed. Credit Union v. West, 882 F.2d 1543
(10th Cir
)
1989-08-18 - (Lowry Fed. Credit Union v. West, 882 F.2d 1543, 10th Cir, 8/18/1989)
Eleventh Cir (11)
Folendore v. United States Small Bus. Admin., 862 F.2d 1537
(11th Cir.
)
1989-01-12 - (Folendore v. United States Small Bus. Admin., 862 F.2d 1537, 11th Cir., 1/12/1989)
Recent 2012 unpublished 11th CIR BAP case, In re McNeal, Case No. 11-11352 (unpublished), 11th Cir, 5/2/2012, ruled that Folendore is still controlling precedent in regards to wholly unsecured liens in Chapter 7.
Ninth Cir (9)
Stackhouse v. Hudson (In re Hudson), 859 F.2d 1418
(9th Cir.
)
1988-10-27 - (Stackhouse v. Hudson (In re Hudson), 859 F.2d 1418, 9th Cir., 10/27/1988)
Ninth Cir (CA-N)
In re Lennen, 71 B.R. 80
(Bankr. N.D. California
)
1987-02-19 - (In re Lennen, 71 B.R. 80, Bankr. N.D. California, 2/19/1987)
Fourth Cir (NC-w)
In re White, 49 B.R. 809
(Bankr. W.D.N.C.
)
1985-05-30 - (In re White, 49 B.R. 809, Bankr. W.D.N.C., 5/30/1985, 7)
Sixth Cir (6)
Rowan v. Morgan, 747 F.2d 1052
(6th Cir.
)
1984-10-31 - (Rowan v. Morgan, 747 F.2d 1052, 6th Cir., 10/31/1984)
Sixth Cir (6)
In re Bell, 700 F.2d 1053
(6th Cir
)
1983-02-22 - (In re Bell, 700 F.2d 1053, 6th Cir, 2/22/1983,)
Main 6th Circuit authority before BAPCPA. - NOT allowing ride through.
Sixth Cir (OH-S)
In re Reynolds, 24 B.R. 344
(Bankr.S.D.Ohio
)
1982-10-26 - (In re Reynolds, 24 B.R. 344, Bankr.S.D.Ohio, 10/26/1982,7)
"When a state endeavors to adopt exemptions applicable only in the bankruptcy court, it then invades an area of law reserved to the federal government, as preempted by the United States Constitution and statutes enacted pursuant thereto.... [States] cannot ... adopt provisions peculiar to and applicable only under federal bankruptcy law."
Seventh Cir (7)
In re Neavear, 674 F.2d 1201
(7th Cir.
)
1982-04-05 - (In re Neavear, 674 F.2d 1201, 7th Cir., 4/5/1982)
Fourth Cir (4)
Cheeseman v. Nachman, 656 F.2d 60
(4th Cir.
)
1981-07-30 - (Cheeseman v. Nachman, 656 F.2d 60, 4th Cir., 7/30/1981)
married couple filing a joint petition was entitled to double the Virginia homestead exemption
Cir (S.Ct)
Kokoszka v. Belford, 417 US 642
(Supreme Court
)
1974-04-22 - (Kokoszka v. Belford, 417 US 642, Supreme Court, 4/22/1974)
Eighth Cir (MN)
In re Robertson, 370 B.R. 804
(Bankr. D. Minn.
)
0200-07-03 - (In re Robertson, 370 B.R. 804, Bankr. D. Minn., 7/3/200, 7)
Section 707(b) does not provide the United States Trustee or creditors discovery rights beyond those enumerated in Section 521 (a)(1)(B)(iv), (v), and (e)(2)(A)(i).
Second Cir (NY-s)
In re Jensen, No. 09-14830 (MG)
(Bankr. S.D.N.Y.
)
0010-03-17 - (In re Jensen, No. 09-14830 (MG), Bankr. S.D.N.Y., 3/17/010)
Third Cir (PA-e)
In re Warrington, 424 B.R. 186
(Bankr. E.D.Pa.
)
0010-02-23 - (In re Warrington, 424 B.R. 186, Bankr. E.D.Pa., 2/23/010, 13)
Fourth Cir (NC-W)
In re Lockman, No. 06-30466
(Bankr. W.D.N.C.
)
0000-00-00 - (In re Lockman, No. 06-30466, Bankr. W.D.N.C., 9 /1/ 2006,)
Cir (SD-S)
In re Masur, 2007 WL 3231725
(Bankr. D S.D.
)
0000-00-00 - (In re Masur, 2007 WL 3231725, Bankr. D S.D., 2007,7,)
Eleventh Cir (AL-S)
In re Borders, 2008 WL 1925190
(Bankr. S.D. Ala.
)
0000-00-00 - (In re Borders, 2008 WL 1925190, Bankr. S.D. Ala., 2008)
Cir (CA)
In re Comstock, 389 B.R. 888 (Bankr. N.D. Cal.)
0000-00-00 - (In re Comstock, 389 B.R. 888, Bankr. N.D. Cal., 2008)
Ninth Cir (MT)
In re Weigand, No. 07-60620
(Bankr. D. Mont.
)
0000-00-00 - (In re Weigand, No. 07-60620, Bankr. D. Mont.,10/9/2007), rev‚ on other grounds, 386 B.R. 238 (9th Cir. BAP, 2007)
Cir (7)
Tetzlaff v. EDUCATIONAL CREDIT MANAGEMENT CORPORATION, No. 14-3702 ( 7th Circuit)
0000-00-00 - (Tetzlaff v. EDUCATIONAL CREDIT MANAGEMENT CORPORATION, No. 14-3702, 7th Circuit, 7/22/2015)
Affirming lower court decision that debtor had not shown undeue hardship
Eighth Cir (MN)
In re Ansar, 383 B.R. 344
(Bankr. Minn. 21008
)
0000-00-00 - (In re Ansar, 383 B.R. 344, Bankr. Minn. 21008)
The 10 day limitation of Section 704(b)(1)(A) runs from the date first set for the Meeting of Creditors.
Sixth Cir (MI-w)
In re Smith, 396 B.R. 214
(Bankr. W.D. Mich. 10/15/2008
)
- (In re Smith, 396 B.R. 214, Bankr. W.D. Mich. 10/15/2008, 13)
Case favoring debtor, defining household size with the Census Bureau definition, "all people, related and unrelated who occupy a housing unit."
Seventh Cir (WI-e)
In re Crego, 387 B.R. 225
(Bankr.E.D.Wis.
)
- (In re Crego, 387 B.R. 225, Bankr.E.D.Wis., 2008, 13)
First Cir (1)
In re Cushing, 401 B.R. 528
(1st Cir.B.A.P.
)
- (In re Cushing, 401 B.R. 528, 1st Cir.B.A.P., 2009)
Fifth Cir (5)
In re Ripley, 926 F2d 440
(5th Cir. 3/5/1991
)
- (In re Ripley, 926 F2d 440, 5th Cir. 3/5/1991, )
Sixth Cir (MI-e)
In re Moutousis, 418 B.R. 703
(E.D. Mich.
)
- (In re Moutousis, 418 B.R. 703, E.D. Mich., 2009
)
Cir ()
In re Hill, 440 B.R. 176
(Bankr
)
- (In re Hill, 440 B.R. 176, Bankr, S.D. Cal, 11/29/2010, 13,)
Follows Tran
Cir ()
Cassim v. Educ. Credit Mgmt. (In re Cassim), 395 B.R. 907
(BAP 6th Cir.
)
- (Cassim v. Educ. Credit Mgmt. (In re Cassim),395 B.R. 907, BAP 6th Cir., 2008)
Eighth Cir (8)
Bender v. Educational Credit Management Corp. (In re Bender), 368 F.3d 846
(8th Cir. 5/12/2004
)
- (Bender v. Educational Credit Management Corp. (In re Bender), 368 F.3d 846, 8th Cir. 5/12/2004, )
Cir (MI)
In re Meyers, 09-41148
(Bankr. E.D. Mich.
)
- (In re Meyers,09-41148,Bankr. E.D. Mich.,2010)
Last minute expense increases found not valid for means test computation
Ninth Cir (9)
State Bar v. Findley (In re Findley), 593 F.3d 1048
(9th Cir. 2/1/2010
)
- (State Bar v. Findley (In re Findley), 593 F.3d 1048, 9th Cir. 2/1/2010, )
Eighth Cir (IA-S)
In re Bartlett, No. 07-00939
(Bankr. N.D.Iowa
)
- (In re Bartlett, No. 07-00939, Bankr. N.D.Iowa, 2009)
Ninth Cir (9)
In re Costas, 555 F.3d 790
(9th Cir.
)
- (In re Costas,555 F.3d 790 , 9th Cir., 2009, 7)
Fourth Cir (VA-W)
In re Harvey, 407 B.R. 867
(Bankr
)
- (In re Harvey, 407 B.R. 867, Bankr,W.D. Va, 7/20/2009, 7, Above)
Fourth Cir (NC-m)
In re Bennet,
(Bankr. M.D.N.C.
)
- (In re Bennet, , Bankr. M.D.N.C., 2006)
Cir ()
In re Rhodes, Bankr.D.Connecticut
(2009
)
- (In re Rhodes, Bankr.D.Connecticut, 2009, 13, Below)
below poverty debtor can't discharge 31K in student loans where debtor's "future is bright and hindered only by his propensity for indolence and his free choice to completely ignore his taxpayer financed college education."
Fourth Cir (VA-e)
GMAC v. Horne, 390 BR 191
(E.D.Va.
)
- (GMAC v. Horne,390 BR 191 ,E.D.Va., 2008)
Eleventh Cir (AL-m)
In re Tuck,
(Bankr. M.D.Ala.
)
- (In re Tuck, , Bankr. M.D.Ala., 2007)
Ninth Cir (OR)
In re Riach,
(Bankr. D.Or.
)
- (In re Riach, , Bankr. D.Or., 2008)
Tenth Cir (CO)
In re Andoh, 370 B.R. 377; 384
(Bankr.D.Colo.
)
- (In re Andoh, 370 B.R. 377; 384, Bankr.D.Colo., 2007
)
Sixth Cir (OH-s)
In re LaDeaux, 373 B.R. 48; 52
(Bankr. S.D. Ohio
)
- (In re LaDeaux, 373 B.R. 48; 52, Bankr. S.D. Ohio, 2007)
Seventh Cir (WI-E)
In re Cruz,
(Bankr. E.D. Wis.
)
- (In re Cruz, , Bankr. E.D. Wis., 2008,13)
Seventh Cir (WI-E)
In re Schley,
(Bankr. E.D.Wis.
)
- (In re Schley, , Bankr. E.D.Wis., 2008)
Eighth Cir (8)
In re Porter (Sells v. Porter), 539 F.3d 889
(8th Cir.
)
- (In re Porter (Sells v. Porter), 539 F.3d 889, 8th Cir., 2008)
Eighth Cir (IA-S)
In re Mitchell,
(Bankr. S.D. Iowa
)
- (In re Mitchell, , Bankr. S.D. Iowa, 2008)
Eighth Cir (NE)
In re Harris,
(Bankr. D.Neb.
)
- (In re Harris, , Bankr. D.Neb., 2008)
Ninth Cir (MT)
In re Ellis,
(Bankr. D.Mont.
)
- (In re Ellis, , Bankr. D.Mont., 2008)
Tenth Cir (KS)
In re Vogeler, 393 B.R. 240
(Bankr. D.Kan.
)
- (In re Vogeler, 393 B.R. 240, Bankr. D.Kan., 2008, 7)
Fifth Cir (TX-e)
In re Adaway, 367 B.R. 571
(Bankr. E.D. Texas
)
- (In re Adaway, 367 B.R. 571, Bankr. E.D. Texas, 2007)
Sixth Cir (OH-s)
In re Grimme, 371 B.R. 814
(Bankr. S.D. Ohio
)
- (In re Grimme, 371 B.R. 814, Bankr. S.D. Ohio, 2007)
Fourth Cir (VA-E)
In re Caccamise, No. 09-17165-SSM
(Bankr. E.D.Va.
)
- (In re Caccamise, No. 09-17165-SSM, Bankr. E.D.Va., 212/22/009, 13, Below)
Cir (US)
Till v. SCS Credit Corp., 541 U.S. 465
(5/17/2004
)
- (Till v. SCS Credit Corp., 541 U.S. 465, 5/17/2004)
Sixth Cir (KY-w)
In re Soards, 344 B.R. 829
(Bankr. W.D. Ky.
)
- (In re Soards, 344 B.R. 829, Bankr. W.D. Ky., 2006)
Fifth Cir (TX-N)
In re Dortch,
(Bankr. N.D.Tex
)
- (In re Dortch, , Bankr. N.D.Tex, 2009, 13)
Third Cir (NJ)
In re Ferrante, 09-13098-JHW
(Bankr.D.N.J.
)
- (In re Ferrante, 09-13098-JHW, Bankr.D.N.J., 9/102009, 13, NA)
Fourth Cir (NC-m)
In re Shaw, 341 B.R. 543
(Bankr. M.D.N.C.
)
- (In re Shaw, 341 B.R. 543, Bankr. M.D.N.C., 2006)
Sixth Cir (MI-W)
In re Pontius, 421 B.R. 814
(Bankr. W.D.Mich.
)
- (In re Pontius, 421 B.R. 814 , Bankr. W.D.Mich., 2009, 7)
Fourth Cir (WV-N)
In re Morrell, 394 BR 405
(Bankr. ND West Virginia
)
- (In re Morrell, 394 BR 405 ,Bankr. ND West Virginia, 2008)
First Cir (1-BAP)
In re Pelligrino, 423 B.R. 586
(1st Cir BAP
)
- (In re Pelligrino, 423 B.R. 586, 1st Cir BAP, 2010,13,Below)
Debtor with no monthly income median income could not propose a "plan" for a one time 8K payment based on a loan from a friend, where Trustee objected. BAP affirmed dist ct. ruling that Chapter 13 requires income sufficient to propose a plan for the period, and the one-time 8K payment did not meet that requirement, even if the loan was considered "income."
Fifth Cir (TX-w)
In re Conteras, 20 CBN 621
(Bankr. W.D. Tex.
)
- (In re Conteras, 20 CBN 621, Bankr. W.D. Tex., 2010)
Ninth Cir (NV)
In re Mora, __ B.R. __
(Bankr.D.Nevada
)
- (In re Mora, __ B.R. __ , Bankr.D.Nevada, 2009, 13)
Couple could not exclude live in sun from household, (to reduce their household size) so they could qualify for above-median income expense allowances, which were higher than their actual expenses.
Seventh Cir (IL-c)
In re Stenstrom, 439 B.R. 494
(Bankr. C.D.
)
- (In re Stenstrom, 439 B.R. 494, Bankr. C.D., Ill., 3/25/2010)
Third Cir (PA-E)
In re Law, 421 B.R. 735
(1/19/2010
)
- (In re Law, 421 B.R. 735, 1/19/2010,7)
Pro se debtor's reaffirmation of mortgage was of no benefit so court delayed entry of discharge so she could rescind the agreement. because, persuant to In re Price, 370 F.2d 362 (3rd cir 2004). Because debt was secured by real property, court could not rescind the agreement, but debtor could, so court allowed 60 days for her to do so if she wished.
Eleventh Cir (11)
Baker v. Tardif, __F.3d __
(11th Cir
)
- (Baker v. Tardif, __F.3d __, 11th Cir, 2009)
Florida exemption statute applies to keogh plan where he was sole participant.
Tenth Cir (CO)
In re Johnson, __ B.R. __
(Bankr.D.Colorado
)
- (In re Johnson, __ B.R. __, Bankr.D.Colorado, 2009, )
No discrimination found in paying student loans outside the plan where no money was available to pay unsecured creditors based on means test calculation.
Tenth Cir (10-BAP)
In re Williamson, 20 CBN 312
(Bankr.10thCir
)
- (In re Williamson, 20 CBN 312, Bankr.10thCir, 2009)
Husband may claim homestead exemption on home where his family lives even if he doesn't.
Seventh Cir (WI-e)
George v. Travis Brothers Construction LLC (In re Dietenberger),
(Bankr. E.D.Wis.
)
- (George v. Travis Brothers Construction LLC (In re Dietenberger), , Bankr. E.D.Wis., 2010)
Tenth Cir (KS)
In re Meyers, 09-41148
(Bankr.D.Kansas
)
- (In re Meyers, 09-41148, Bankr.D.Kansas,2010,13)
Debt owed on credit card of last resort cannot be discharged
Ninth Cir (ID)
In re Smith,
(Bankr.D.Idaho
)
- (In re Smith, , Bankr.D.Idaho, 2009,7,)
Abuse found under "totality of circumstances" where debtor's child support obligation would end in the middle of Chapter 13 plan, meaning he could pay 60,000 over the next five years.
Fourth Cir (NC-e)
In re Figured, Nos. 09-03251-8-JRL
(09-06490-8-JRL
)
- (In re Figured, Nos. 09-03251-8-JRL, 09-06490-8-JRL, Bankr. E.D.N.C., 8/31/2009, 13)
Cir (MO)
In re Benn, 491 F.3d 811; 814
(8th Cir.
)
- (In re Benn, 491 F.3d 811; 814, 8th Cir., 2007)
Missouri opt out law requires the word "exempt" to appear in a statute for it to be a valid exemption in bankruptcy. As such, laws that only restrict "garnishment or attachment" may not qualify as exemptions.
Sixth Cir (MI-e)
In re Hickmott, 20 CBN 30
(Bankr. E.D. Mich.
)
- (In re Hickmott, 20 CBN 30, Bankr. E.D. Mich., 2009, 7
)
Sixth Cir (MI-E)
In re Rahim and Abdulhussain, No 10-57577-R
(Bankr.E.D.
)
- (In re Rahim and Abdulhussain, No 10-57577-R,Bankr.E.D.,Mich,12/16/2010,)
Debtors with income of $500,000 not permitted to file BK. Medical practice revenue and expenses cannot conceal lavish lifestyle.
Eighth Cir (MO-W)
In re Smith, 10-60388
(Bankr.W.D. Mo. 2010
)
- (In re Smith, 10-60388, Bankr.W.D. Mo. 2010)
Fifth Cir (5)
Burnett v. Stewart Title, Inc.
(No. 10-20250
)
- (Burnett v. Stewart Title, Inc., No. 10-20250, 5th Cir, 03/04/2011)
Employers may discriminate against prospective employees based on the fact that they have filed for bankruptcy.
Ninth Cir (CA-S)
In re Johnson, 399 B.R. 72
(Bankr.S.D.California
)
- (In re Johnson, 399 B.R. 72, Bankr.S.D.California,2008,7, Above
)
debtors allowed to deduct $6,060 monthly mortgage payment despite trustees objection. Court said it could not consider the "reasonableness" of the mortgage payment, based on Ninth Circuit law.
Fifth Cir (TX-W)
In re Camp 396 B.R. 194, W.D.TX
(9/25/2008
)
- (In re Camp 396 B.R. 194, W.D.TX, 9/25/2008)
Like Fernandez, but with a different result. Found that if a person was forced to take another state's exemption, if can apply to property outside that state, even if the state law, only applies to property within the state.
Fourth Cir (VA-E)
In re Voccia, Case No. 09-33513-DOT
(
)
- (In re Voccia,Case No. 09-33513-DOT, , Bankr.E.D.Va, 2/1/2011)
Pro Se debtor denied discharge after failing to promtply correct large number of errors and omissions on original filing.
Fourth Cir (VA-E)
In re Pope,
(Bankr. E.D.Va
)
- (In re Pope, , Bankr. E.D.Va, , 2011)
Court will not reaffirm mortgage because ride through is still valid for mortgages and reaffirmation would not be in debtor's best interest. Fact that lender is demanding reaffirmation to get a loan modification does not change result. Court will reaffirm the modification once it has done, but it will not reaffirm original debto as a condition of the loan modification.
First Cir (NH)
In re Michaud, 399 B.R. 365
(Bankr. D.N.H.
)
- (In re Michaud, 399 B.R. 365,Bankr. D.N.H.,2008,13,)
three consolidated Chapter 13 cases in which the debtors over-withheld federal income tax and received tax refunds, but did not include the income from the tax refund in their plans as projected
disposable income. HELD: whether debtors are above or below median income, tax expenses fall into the category of actual expenses, and thus debtors bear the burden of demonstrating that these expenses are actual, reasonable and necessary. Debtors may retain some amount of a tax refund depending on the particular circumstances in a
particular case.
Sixth Cir (6-BAP)
In re Morton, 410 B.R. 556
(6th Cir BAP
)
- (In re Morton,410 B.R. 556 , 6th Cir BAP, 2009, 7, )
Court may approve reaffirmation based on attorney's certification without looking at debtor's best interest. Court's role is more active with a pro se debtor, but one represented by counsel requires different standard of review when it comes to reaffirmation agreements.
Eighth Cir (8)
Abdul-Rahim v. LaBarge, 720 F.3d 710
(8th Cir.
)
- (Abdul-Rahim v. LaBarge, 720 F.3d 710, 8th Cir., 2013)
Follows In re Benn in finding Missouri common law exemption not to exist in bankruptcy> Under Missouri's opt out statute, only statutory exemptions are allowed, not common law exemptions, following In Re Benn
Eighth Cir (8-BAP)
J&M Sec. LLC v. Moore (In re Moore), 495 B.R. 1
(B.A.P. 8th Cir.
)
- (J&M Sec. LLC v. Moore (In re Moore), 495 B.R. 1, B.A.P. 8th Cir., 2013)
Cir ()
Weber v. SEFCU (In re Weber), 719 F.3d 72
(2d Cir.
)
- (Weber v. SEFCU (In re Weber), 719 F.3d 72, 2d Cir., 2013)
Must creditor return a car that it has reposessed when debtor files CH 13? Whiting Pools had said yes Some places though required "adequate protection" before the debtor could get the car back.
Seventh Cir (7)
Palomar v. First American Bank (In re Palomar), 722 F.3d 992
(7th Cir.
)
- (Palomar v. First American Bank (In re Palomar), 722 F.3d 992, 7th Cir., 2013, 7)
Seventh Cir (7)
Ryan v. United States (In re Ryan), 2013 WL 3380131
(7th Cir.
)
- (Ryan v. United States (In re Ryan), 2013 WL 3380131, 7th Cir., July 8; 2013)
Cannot use 506(d) to strip liens in Chaper 13, unless you're in the 11th circuit. Use 1325 instead.
Fourth Cir (4)
Branigan v. Davis (In re Davis), 716 F.3d 331
(4th Cir.
)
- (Branigan v. Davis (In re Davis), 716 F.3d 331, 4th Cir., 2013)
Lien stripping in a Chapter 20. Can a debtor strip a lien if they're not eligible for a discharge in a Chapetr 13. Discharge has to do with in personam liablitiy, not in rem liability. Court says YES.
First Cir (1-BAP)
Bullard v. Hyde Park Sav. Bank, 494 B.R. 92
(B.A.P. 1st Cir.
)
- (Bullard v. Hyde Park Sav. Bank, 494 B.R. 92 , B.A.P. 1st Cir., 2013)
Seventh Cir (WI-E)
In re Spraggins, 386 B.R. 221
(Bankr.E.D Wis.
)
- (In re Spraggins, 386 B.R. 221, Bankr.E.D Wis., 2008, Chapter 13,)
Tax refunds are not income, rather tax refunds are the product of over-payment of payroll taxes. See, e.g., In re Bardo, 379 B.R. 524 (Bankr.M.D.Pa.2007); In re Balcerowski 353 B.R. 581, 586 (Bankr.E.D.Wis.2006). The Bardo court, faced with an unsecured creditor's objection that the debtor was not including tax refunds in the plan, recognized that the proper analysis is whether the debtor was deducting a reasonable amount for withholding taxes on the expense side of the equation, not whether the tax refunds themselves were additional disposable income required to be dedicated to the plan. This Court faced a similar issue for above-median debtors in In re Stimac, 366 B.R. 889 (Bankr.E.D-Wis.2007).
Fourth Cir (NC-W)
In re Herbert, 405 B.R. 165
(Bankr.W.D.N.C.
)
- (In re Herbert, 405 B.R. 165,Bankr.W.D.N.C., 2008,7)
a household is those who live together and are financially dependent
Cir ()
In re Vazquez, Case#13-32174
(Banrk
)
- (In re Vazquez, Case#13-32174, Banrk, E.D. Ill, 9/8/2014)
Ninth Cir (9)
Zolg v. Kelly (In re Kelly), 841 F.2d 908
(9th Cir
)
- (Zolg v. Kelly (In re Kelly), 841 F.2d 908, 9th Cir, 1988
)
Finding (for non-consumer debtors) for purposes of means test, "primarily" means more than one-half in amount.
Eighth Cir (SD)
In re Resta, 76 B.R. 728
(Bankr.D.S.D.
)
- (In re Resta, 76 B.R. 728, Bankr.D.S.D., 1987, 7)
Mortgages are consumer debt under Sec 707(b).
Sixth Cir (OH-s)
In re Bivens, Case No. 08-31447
(Bankr. S.D.Ohio
)
- (In re Bivens, Case No. 08-31447, Bankr. S.D.Ohio, 2009, 13)
Fifth Cir (5)
In re Booth, 858 F.2d 1051
(5th Cir. 1999
)
- (In re Booth, 858 F.2d 1051, 5th Cir. 1999, 7)
Non-consumer debt defined as "incurred" for business purposes. Sec 707(b).
Seventh Cir (IL-c)
In re Kurcharz, 418 B.R. 635
(Bankr. C.D. Ill. 2009
)
- (In re Kurcharz, 418 B.R. 635, Bankr. C.D. Ill. 2009, 13)
Unemployment compensation not included in monthly income; benefits derived from state law, not Social Security Act.