{"argument_date":"2010-10-04T00:00:00Z","arguments":[{"argument_date":"2010-10-04T00:00:00Z","heading":"What happened at the argument","official_detail_url":"https://www.supremecourt.gov/oral_arguments/argument_transcript/2010","official_transcript_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-907.pdf","paragraphs":["Ms. Maynard argued the Code precludes shielding car payments.","Ms. Saharsky argued the ownership cost is for loans.","Mr. Burke argued Congress created a fixed expense formula."],"reargument":false,"sequence":1,"sources":[{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 26, lines 21-31","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-907.pdf","page_label":"file page 26, lines 21-31"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 3, lines 19-17","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-907.pdf","page_label":"file page 3, lines 19-17"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 3, lines 7-17","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-907.pdf","page_label":"file page 3, lines 7-17"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 4, lines 19-21","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-907.pdf","page_label":"file page 4, lines 19-21"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 4, lines 25-31","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-907.pdf","page_label":"file page 4, lines 25-31"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 4, lines 41-45","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-907.pdf","page_label":"file page 4, lines 41-45"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 43, lines 23-49","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-907.pdf","page_label":"file page 43, lines 23-49"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 5, lines 19-23","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-907.pdf","page_label":"file page 5, lines 19-23"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 5, lines 29-35","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-907.pdf","page_label":"file page 5, lines 29-35"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 5, lines 41-43","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-907.pdf","page_label":"file page 5, lines 41-43"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 5, lines 47-5","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-907.pdf","page_label":"file page 5, lines 47-5"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 5, lines 7-11","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-907.pdf","page_label":"file page 5, lines 7-11"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 6, lines 27-37","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-907.pdf","page_label":"file page 6, lines 27-37"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 6, lines 43-3","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-907.pdf","page_label":"file page 6, lines 43-3"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 7, lines 13-21","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-907.pdf","page_label":"file page 7, lines 13-21"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 7, lines 27-37","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-907.pdf","page_label":"file page 7, lines 27-37"}]}],"caption":"Ransom v. FIA Card Services, N. A.","case_history":[{"changed_at":"2026-08-29T20:06:35.866049Z","explanation":"An official oral-argument transcript was verified.","status":"argued"}],"case_status":"argued","dek":"Creditors argue a debtor without a car loan cannot deduct ownership costs. The debtor claims the standard deduction applies regardless of debt.","dek_sources":[{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 26, lines 21-31","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-907.pdf","page_label":"file page 26, lines 21-31"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 3, lines 19-17","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-907.pdf","page_label":"file page 3, lines 19-17"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 43, lines 23-49","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-907.pdf","page_label":"file page 43, lines 23-49"}],"dispositions":[],"latest_court_document_date":"2010-10-04T00:00:00Z","maturity":"official_transcript","official_detail_url":"https://www.supremecourt.gov/oral_arguments/argument_transcript/2010","official_disposition_urls":[],"official_docket_url":"https://www.supremecourt.gov/docket/docketfiles/html/public/09-907.html","primary_docket":"09-907","revisions":[{"correction_note":"Rewritten to the concise citizen-facing editorial standard.","created_at":"2026-08-31T01:06:49.545621Z","maturity":"official_transcript","revision_number":1},{"correction_note":"Migrated to the dated official Court activity contract without model use.","created_at":"2026-09-05T03:22:24Z","maturity":"official_transcript","revision_number":2}],"schema_version":"1.1","sections":[{"heading":"What this case is about","paragraphs":["The dispute centers on bankruptcy expense deductions. One side seeks to limit deductions to actual debts. The other side seeks to apply standard deductions universally."],"sources":[{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 26, lines 21-31","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-907.pdf","page_label":"file page 26, lines 21-31"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 3, lines 19-17","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-907.pdf","page_label":"file page 3, lines 19-17"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 43, lines 23-49","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-907.pdf","page_label":"file page 43, lines 23-49"}]},{"heading":"How the case got here","paragraphs":["The Supreme Court heard oral argument in this case on October 4, 2010."],"sources":[{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 3, lines 7-17","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-907.pdf","page_label":"file page 3, lines 7-17"}]},{"heading":"What each side wants","paragraphs":["Creditors want to deny the ownership cost deduction.","The debtor wants to keep the ownership cost deduction."],"sources":[{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 26, lines 21-31","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-907.pdf","page_label":"file page 26, lines 21-31"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 3, lines 19-17","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-907.pdf","page_label":"file page 3, lines 19-17"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 43, lines 23-49","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-907.pdf","page_label":"file page 43, lines 23-49"}]},{"heading":"What each side says","paragraphs":["Creditors argue the deduction covers only loan payments.","The debtor argues the standard deduction applies to all."],"sources":[{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 26, lines 21-31","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-907.pdf","page_label":"file page 26, lines 21-31"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 3, lines 19-17","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-907.pdf","page_label":"file page 3, lines 19-17"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 43, lines 23-49","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-907.pdf","page_label":"file page 43, lines 23-49"}]},{"heading":"What the justices asked","paragraphs":["Justice Alito asked if Congress referenced local standards.","Justice Ginsburg asked if the chart says ownership costs."],"sources":[{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 4, lines 19-21","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-907.pdf","page_label":"file page 4, lines 19-21"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 4, lines 25-31","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-907.pdf","page_label":"file page 4, lines 25-31"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 4, lines 41-45","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-907.pdf","page_label":"file page 4, lines 41-45"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 5, lines 19-23","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-907.pdf","page_label":"file page 5, lines 19-23"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 5, lines 29-35","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-907.pdf","page_label":"file page 5, lines 29-35"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 5, lines 41-43","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-907.pdf","page_label":"file page 5, lines 41-43"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 5, lines 47-5","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-907.pdf","page_label":"file page 5, lines 47-5"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 5, lines 7-11","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-907.pdf","page_label":"file page 5, lines 7-11"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 6, lines 27-37","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-907.pdf","page_label":"file page 6, lines 27-37"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 6, lines 43-3","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-907.pdf","page_label":"file page 6, lines 43-3"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 7, lines 13-21","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-907.pdf","page_label":"file page 7, lines 13-21"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 7, lines 27-37","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-907.pdf","page_label":"file page 7, lines 27-37"}]},{"heading":"Why it matters","paragraphs":["This case defines bankruptcy expense deductions. It determines how much debtors keep for cars. It affects creditor recovery rates in bankruptcy."],"sources":[{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 26, lines 21-31","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-907.pdf","page_label":"file page 26, lines 21-31"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 3, lines 19-17","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-907.pdf","page_label":"file page 3, lines 19-17"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 43, lines 23-49","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-907.pdf","page_label":"file page 43, lines 23-49"}]},{"heading":"What happens next","paragraphs":["This article currently covers the argument record. Use the official docket link for later case activity."],"sources":[{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 3, lines 7-17","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-907.pdf","page_label":"file page 3, lines 7-17"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 4, lines 19-21","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-907.pdf","page_label":"file page 4, lines 19-21"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 4, lines 25-31","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-907.pdf","page_label":"file page 4, lines 25-31"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 4, lines 41-45","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-907.pdf","page_label":"file page 4, lines 41-45"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 5, lines 19-23","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-907.pdf","page_label":"file page 5, lines 19-23"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 5, lines 29-35","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-907.pdf","page_label":"file page 5, lines 29-35"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 5, lines 41-43","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-907.pdf","page_label":"file page 5, lines 41-43"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 5, lines 47-5","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-907.pdf","page_label":"file page 5, lines 47-5"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 5, lines 7-11","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-907.pdf","page_label":"file page 5, lines 7-11"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 6, lines 27-37","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-907.pdf","page_label":"file page 6, lines 27-37"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 6, lines 43-3","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-907.pdf","page_label":"file page 6, lines 43-3"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 7, lines 13-21","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-907.pdf","page_label":"file page 7, lines 13-21"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 7, lines 27-37","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-907.pdf","page_label":"file page 7, lines 27-37"}]}],"slug":"2010-09-907-ransom-v-fia-card-services-n-a","term":"2010","title":"Can a debtor without a car loan deduct vehicle ownership costs?","title_sources":[{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 26, lines 21-31","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-907.pdf","page_label":"file page 26, lines 21-31"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 3, lines 19-17","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-907.pdf","page_label":"file page 3, lines 19-17"},{"evidence_type":"Transcript","label":"Official Supreme Court Transcript — file page 43, lines 23-49","official_url":"https://www.supremecourt.gov/oral_arguments/argument_transcripts/2010/09-907.pdf","page_label":"file page 43, lines 23-49"}],"topics":[],"undated_disposition_date_fallback":null,"updated_at":"2026-09-05T03:22:24Z"}