Ransom v. FIA Card Services

Ransom (defendant), proposing a Chapter 13 plan to repay about 25% of his unsecured debt, claimed a $471 monthly car-ownership deduction and a separate operating-costs deduction despite owning his Toyota Camry outright with no loan or lease payments; creditor FIA (plaintiff) objected that the ownership deduction was improper since he incurred no such expense, and the bankruptcy court, Bankruptcy Appellate Panel, and Ninth Circuit all agreed, disallowing the deduction and refusing to confirm his plan.