Jason Ransom ("Ransom") is a single man living in Nevada. See Ransom v. MBNA, 577 F.3d 1026, 1027 (9th Cir. 2009). In 2006, he had $82,542.93 of unsecured debt, mostly on credit cards, including $32,896.73 owed to MBNA America Bank ("MBNA"). See Id. In...