Anderson v. Hancock’s Empirical Analysis
820 F.3d 670 · 2016
Citation profile
2 federal appellate ·
Relationships
Applies 11 U.S.C. § 1322
Relies on Nobelman v. American Savings Bank · Marrama v. Citizens Bank of Mass. · Till v. SCS Credit Corp. · Federal Land Bank v. Glenn · Grubbs v. Houston First American Savings Ass'n
Most-quoted passages
The sentences later courts lift from this opinion, ranked by how many decisions quote each — the parts of the opinion doing the work. These counts are smaller than the citation total above because most of the 7 citing decisions cite the case generally; a passage count includes only decisions quoting that exact language verbatim.
“When debtors ... miss payments or otherwise default, they reveal an increased likelihood that secured creditors will realize these risks. But just as statisticians update their probability estimates of a given outcome whenever they receive new information ... lenders may use default interest rates to increase risk premiums whenever events reveal that their debtors may be riskier than the lenders might have thought initially.”
1 later decision quote this exact passage · from the dissent“lowering monthly payments, converting a variable interest rate to a fixed interest rate, ... extending the repayment term of a note, ... [altering] the nature and rate of interest, and [changing] the maturity features of the loan”
1 later decision quote this exact passage · from the majoritye.g. Hurlburt v. Black“claim[s] secured only by a security interest in real property that is the debtor's principal residence ....”
1 later decision quote this exact passage · from the majoritye.g. Hurlburt v. Black
How this case has been treated — in progress
Whether each later court followed, distinguished, criticized, or overruled this decision. The treatment classification (task #35) runs highest-cited cases first and lights up here as it reaches this one.