Opinion ID: 78131
Heading Depth: 1
Heading Rank: 1

Heading: facts

Text: The facts of this case are simple and undisputed. On August 15, 2006, the Debtors purchased a 2006 Jeep Liberty for their personal use, utilizing a retail installment contract. Daimler is the secured creditor under that contract. On March 22, 2007, the Debtors filed a petition for bankruptcy relief under Chapter 13 of the Bankruptcy Code, thus rendering the Jeep Liberty a 910 vehicle. Daimler filed a proof of claim providing for its secured claim of $25,661.27, which represented the outstanding payoff balance on the vehicle due at the time of the petition. The Debtors filed their Chapter 13 bankruptcy plan, proposing to surrender the vehicle in full satisfaction of the debt owed to Daimler and to pay 100% on allowed unsecured claims. Daimler objected to confirmation because the plan did not provide for the payment of any deficiency balance after disposition of the vehicle, but the bankruptcy court overruled the objection and later confirmed the plan. This direct appeal followed.