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RANSOM v. FIA CARD SERVICES, N.A.

No. 09-907.

131 S.Ct. 716 (2011)

562 U.S. 61

Jason M. RANSOM, Petitioner v. FIA CARD SERVICES, N.A., fka MBNA America Bank, N.A.

Supreme Court of United States.

Decided January 11, 2011.

Attorney(s) appearing for the Case

Christopher P. Burke , Las Vegas, NV, Daniel Lucid , Santa Monica, CA, for Petitioner.

Deanne E. Maynard , Seth M. Galanter , Marc A. Hearron , Morrison & Foerster LLP, Washington, DC, Mark P. Ladner , Larren M. Nashelsky , Morrison & Foerster LLP, New York City, Gilbert B. Weisman, John D. Sheehan , William Andrew McNeal , Becket & Lee LLP, Malvern, PA, for Respondent.

Nicole A. Saharsky , Washington, DC, for United States as amicus curiae, by special leave of the Court, supporting the respondent.

Justice KAGAN delivered the opinion of the Court.

Chapter 13 of the Bankruptcy Code enables an individual to obtain a discharge of his debts if he pays his creditors a portion of his monthly income in accordance with a court-approved plan. 11 U.S.C. § 1301 et seq. To determine how much income the debtor is capable of paying, Chapter 13 uses a statutory formula known as the "means test." §§ 707(b)(2) (2006 ed. and Supp. III), 1325(b)(3)(A) (2006...

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