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BOBKA v. TOYOTA MOTOR CREDIT CORP.

No. 18-55688.

968 F.3d 946 (2020)

Melissa Carin Mather BOBKA, Appellant, v. TOYOTA MOTOR CREDIT CORPORATION, Appellee.

United States Court of Appeals, Ninth Circuit.

Filed August 3, 2020.

Attorney(s) appearing for the Case

Michael G. Doan (argued), Doan Law Firm, Oceanside, California, for Appellant.

Aaron J. Malo (argued) and Karin Dougan Vogel , Sheppard Mullin Richter & Hampton LLP, San Diego, California, for Appellee.

Jan T. Chilton and Mark Joseph Kenney , Severson & Werson, San Francisco California, for Amicus Curiae American Financial Services Association.

Tara Twomey , National Consumer Bankruptcy Rights Center, San Jose, California, for Amici Curiae National Consumer Bankruptcy Rights Center and National Association of Consumer Bankruptcy Attorneys.

Before: Jacqueline H. Nguyen and Eric D. Miller, Circuit Judges, and Eric N. Vitaliano, District Judge.

OPINION

When Melissa Mather Bobka filed for Chapter 7 bankruptcy, she wanted to keep her leased Toyota Rav4. She called Toyota and was told that to keep the vehicle, she would need to assume the lease. Two months later, Mather sent Toyota a signed assumption agreement. She received her bankruptcy discharge the next...

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