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§ 707(b)(3)

In re Dennis P.

Ruling
Case ordered converted or dismissed for abuse where elimination of 401(k) contributions and loan payments, adjustment of withholding and reduction of housing costs increase ability to pay unsecured debt.
Procedural posture

Debtors, a husband and a wife, filed a bankruptcy petition. The trustee (UST) moved to dismiss pursuant to 11 U.S.C.S. § 707(b)(3).

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Consumer opinion summary, case decided on April 07, 2009 , LexisNexis #0809-016

In re Booker

Ruling
Case ordered dismissed or converted to chapter 13 for abuse and bad faith after adjustments to claimed expenses.
Procedural posture

The United States Trustee filed a motion to dismiss a chapter 7 debtors' case pursuant to 11 U.S.C.S. § 707(b)(3).

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Consumer opinion summary, case decided on January 23, 2009 , LexisNexis #0309-015

In re Harries

Ruling
Case ordered dismissed or converted to chapter 13 due to sufficient income to fund plan.
Procedural posture

In this chapter 7 bankruptcy case, the United States Trustee moved to dismiss the debtors' case for abuse under 11 U.S.C.S. § 707(b)(3)(B).

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Consumer opinion summary, case decided on January 22, 2009 , LexisNexis #0909-014

In re Christiansen

Ruling
Case dismissed for abuse as debtor could fund chapter 13 plan over five years.
Procedural posture

The United States Bankruptcy Administrator (Administrator) moved to dismiss the debtor's chapter 7 case pursuant to 11 U.S.C.S. § 707(b)(3).

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Consumer opinion summary, case decided on January 21, 2009 , LexisNexis #0309-016

In re Johnson

Ruling
Excess secured debt on debtor's primary residence did not preclude relief in consumer case.
Procedural posture

The debtors filed for relief under chapter 7. The United States Trustee filed a motion to dismiss the case under 11 U.S.C.S. § 707(b)(3).

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Consumer opinion summary, case decided on December 08, 2008 , LexisNexis #0409-056

In re Soncrant

Ruling
U.S. Trustee's motion to dismiss chapter 7 case for abuse based solely on allegedly unreasonable mortgage expense denied.
Procedural posture

Before the court was the United States Trustee's (UST) motion to dismiss for abuse brought under 11 U.S.C.S. § 707(b)(2) and (b)(3) At a hearing, the court granted debtors leave to file an amended Form 22A, chapter 7 Statement of Current Monthly Income and Means Test Calculation. After reviewing the amended Form 22A, the UST withdrew his motion to dismiss under § 707(b)(2) and was proceeding only under § 707(b)(3).

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Consumer opinion summary, case decided on November 03, 2008 , LexisNexis #0909-015

In re Vogeler

Ruling
Case dismissed for abuse where debtor failed to use postpetition lottery winnings to reduce debts.
Procedural posture

The United States Trustee filed a motion to dismiss a chapter 7 debtor's bankruptcy case pursuant to 11 U.S.C.S. § 707(b), alleging that the totality of the circumstances demonstrated abuse under § 707(b)(3).

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Consumer opinion summary, case decided on August 28, 2008 , LexisNexis #1008-122

In re Harter

Ruling
Trips to Europe and "luxurious" automobile did not give rise to "extravagant lifestyle" that would require bad faith dismissal.
Procedural posture

The United States Trustee (UST) moved to dismiss the debtor's chapter 7 case pursuant to 11 U.S.C.S. § 707(b)(3) alleging bad faith and that the totality of the circumstances demonstrated abuse. The UST contended that the debtor showed an abusive spending pattern before the filing. Her "totality of the circumstances" argument was based primarily on her belief that the debtor could afford to pay his debts.

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Consumer opinion summary, case decided on August 19, 2008 , LexisNexis #0908-121

In re McNary

Ruling
Chapter 7 case dismissed for abuse where debtors were capable of filing chapter 13 plan.
Procedural posture

The debtors filed for relief under chapter 7 of the Bankruptcy Code. A United States Trustee filed a motion to dismiss the matter for abuse, pursuant to 11 U.S.C.S. § 707(b)(3). The Trustee filed a motion for judgment on the pleadings.

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Consumer opinion summary, case decided on July 18, 2008 , LexisNexis #0908-122

In re Lipford

Ruling
Case dismissed for abuse based on totality of circumstances.
Procedural posture

The Bankruptcy Administrator (movant) asked the court to dismiss a chapter 7 case filed by debtors, a husband and wife, who claimed that they had filed bankruptcy because they could not pay their bills as they came due. At issue was whether dismissal was properly granted for abuse pursuant to 11 U.S.C.S. § 707(b)(3).

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Consumer opinion summary, case decided on April 17, 2008 , LexisNexis #0608-017