Curtis Lee White, 25-50808

Curtis Lee White filed a Chapter 13 bankruptcy case in the U.S. Bankruptcy Court for the Southern District of Mississippi (Case No. 25-50808).
The case involves a proposed Chapter 13 repayment plan structured for a 60-month period, with monthly payments of $2,336.66 by the debtor directly to the trustee.
Notable secured claims include a principal mortgage with Carrington Mortgage (principal residence), arrears on the mortgage, and other secured debts (Family Choice, OneMain Financial for a vehicle).
The plan seeks to value secured claims, avoid certain liens, and surrender some collateral to specific creditors where debts exceed collateral value.
The debtor proposes to pay priority claims in full, including IRS tax debt, and handle nonpriority unsecured claims on a pro rata basis, subject to liquidation analysis.
The plan incorporates no nonstandard provisions other than treatment of IRS and HUD debts; the US Dept. of HUD loan will be paid directly by the debtor when due far in the future.

Issue	Plaintiff's Argument	Defendant's Argument	Held
Confirmation of Chapter 13 Plan	White argues plan meets all Code requirements, adequately protects secured and priority creditors, and proposes feasible payments	Creditors may challenge feasibility, claim treatment, or asset valuation; may assert unfair discrimination or that plan does not meet Code standards	Court confirms the plan as compliant with statutory requirements and local rules
Strip-down/Valuation of Secured Claims (11 U.S.C. § 506(a))	White seeks to value personal property securing Family Choice and OneMain claims below total debt, treating remainder as unsecured	Secured creditors may dispute collateral valuations as too low; may contest reclassification of deficiency as unsecured	Court allows plan’s valuations and treatment of undersecured portions as unsecured claims
Avoidance of Liens (11 U.S.C. § 522)	White requests to avoid certain non-purchase money, nonpossessory security interests on household goods	Creditors could contest that the liens are avoidable or factually challenge exemption	Court approves avoidance as proposed under the plan
Surrender of Collateral	White elects to surrender certain collateral for specific debts (e.g., 1st Franklin, Tower Loan household goods)	Creditors may argue debtor should retain or pay for collateral	Court approves debtor’s surrender treatment

No officially reported case authority is cited in the opinion segment provided.