Why two values? Doesn't Schedule A/B want one number?

Schedule A/B asks for "current value," but trustees and secured creditors anchor to different numbers. §506(a)(2) specifies replacement cost for individual debtors' secured claims; the §707(b) means test uses FMV. Showing both — replacement cost as the statutory primary, private-party as the retain-and-pay reference — gives counsel headroom in every direction.

How is this different from a consumer pricing-guide screenshot?

Consumer guides give a range. This report gives two specific values with a defensible methodology — sourced from live retail listings, mileage-adjusted, backdated to the petition date. §506(a)(2) is cited and the comp set is disclosed in full so a trustee can audit the calculation.

Is this an appraisal?

No. This is a comparative market analysis suitable for routine Schedule A/B disclosure. For disputed valuations, specialty vehicles, or adversary proceedings, engage a USPAP-licensed appraiser.

How long does it take?

About sixty seconds. The market data fetch and PDF generation happen synchronously after payment confirms.

What if the debtor has multiple vehicles?

One report per vehicle in v1. Multi-vehicle bankruptcy packets (single PDF with all vehicles attached to one case caption) are on the v2 roadmap.

V1 supports a single lien payoff — covers most consumer Ch. 7 cases. Junior-lien support and Schedule D-aware equity-cushion math land in v2.

Can I see a sample before paying?

Yes. The "See a sample report" link in the hero downloads a complete report against a real VIN. The contents and formatting match what you receive.

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Bankruptcy vehicle valuation

A trustee-proof number for the vehicle on Schedule A/B.

Replacement cost AND private-party value, both sourced from live retail comparables, mileage-adjusted to your vehicle, backdated to the petition date. §506(a)(2)-cited methodology in every report. Sixty seconds. From $49.

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The problem

Three options. None survive a trustee.

Consumer pricing-guide screenshot

Free

Trustees reject this on sight.

Consumer range estimators were never built for §506(a)(2) replacement-cost valuation. Trustees are trained to challenge them, and the screenshot doesn't survive the meeting of creditors.

Independent USPAP appraiser

$200–500

Defensible, but kills flat-fee Ch. 7 economics.

A licensed appraiser physically inspects the vehicle and produces a USPAP report in one to two weeks. In a $1,500 flat-fee Ch. 7 case, a $400 appraisal eats a third of the fee.

Vehicle-history report screenshot

~$40

Not actually a valuation.

A vehicle-history report tells you what happened to the vehicle, not what it is worth at the petition date. Filing it as the Schedule A/B basis is a routine objection trigger.

What you get

Both values, lien-net equity, sourced. Built for Schedule A/B.

01
Cover and executive summary
Debtor name, case caption, vehicle ID, petition date as the valuation date. Both FMVs and lien-net equity up front.
02
Replacement cost FMV (§506(a)(2))
The statutory anchor for individual debtors' secured-claim valuation. Comp-derived retail median, mileage-adjusted, backdated to the petition date.
03
Private-party FMV
Replacement cost less the standard 15% retail-to-private-party haircut. The retain-and-pay / cramdown reference for the debtor's side.
04
Lien-net equity calculation
Replacement cost less lien payoffs. Drives the trustee's abandon-vs-liquidate decision and §707(b) means-test inputs.
05
Comparable sales
Up to 50 retail listings (same year / make / model) from live market data, mileage-adjusted to your odometer.
06
Mileage and depreciation methodology
Standard residual-curve method shown explicitly so the math audits. Median backdated to the petition date via ZIP-localized depreciation.
07
Condition and title adjustments
Multipliers for self-reported condition and title status, methodology disclosed.
08
NHTSA recall history
Complete recall list with publish dates, components, and any "do not drive" advisories at petition date.
09
Sources and methodology
Plain-English methodology paragraph. §506(a)(2) cited. Data sources cited. Limitations stated up front.

How it works

Five fields. One page. Sixty seconds.

01
Enter the required fields
VIN, petition date, mileage, ZIP, state, and email. Lien payoff, condition, title status, and case metadata are optional and improve the report.
02
We pull live market data
We decode the VIN, pull 30–50 comparable retail listings, and fetch the per-VIN depreciation schedule and recall history.
03
Download the PDF
Schedule A/B-shaped report ready for the case file. Email delivery and attorney branding available on the higher tier.

Pricing

Per report. No subscription.

Self-serve

$49/ report

Pro-se debtor

Schedule A/B-shaped PDF
Both replacement cost and private-party values
Lien-net equity calculation
Email delivery
Same-VIN re-runs free for 24 hours

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Attorney-branded

$149/ report

Consumer-bankruptcy attorney

Everything in Self-serve
Firm logo on every page
Custom signature block and report ID
Debtor name and case caption on cover
Multi-vehicle add-on path (v2)

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Defensibility

What this report is. What it isn't.

Suitable for

Routine consumer Ch. 7 / Ch. 13 Schedule A/B disclosures, where the vehicle replacement cost is below ~$30k.
§506(a)(2) replacement-cost valuation for individual debtors' secured claims.
§707(b) means-test vehicle-value inputs in cases where the IRS ownership-expense allowance dominates.
Pro-se debtors whose alternative is a free pricing-guide screenshot.

Defer to a USPAP appraiser for

Specialty / classic / collector vehicles requiring physical inspection.
Cases where the trustee challenges the comp set on substantive grounds.
Adversary proceedings where the valuation is contested under oath.

This report is a comparative market analysis prepared from public retail listing data. It is not a USPAP-compliant appraisal. The methodology cites 11 U.S.C. §506(a)(2) and is disclosed in full inside every report so that any trustee, secured creditor, or judge can audit the calculation.

Frequently asked

Questions worth answering up front.

Why two values? Doesn't Schedule A/B want one number?: Schedule A/B asks for "current value," but trustees and secured creditors anchor to different numbers. §506(a)(2) specifies replacement cost for individual debtors' secured claims; the §707(b) means test uses FMV. Showing both — replacement cost as the statutory primary, private-party as the retain-and-pay reference — gives counsel headroom in every direction.
How is this different from a consumer pricing-guide screenshot?: Consumer guides give a range. This report gives two specific values with a defensible methodology — sourced from live retail listings, mileage-adjusted, backdated to the petition date. §506(a)(2) is cited and the comp set is disclosed in full so a trustee can audit the calculation.
Is this an appraisal?: No. This is a comparative market analysis suitable for routine Schedule A/B disclosure. For disputed valuations, specialty vehicles, or adversary proceedings, engage a USPAP-licensed appraiser.
How long does it take?: About sixty seconds. The market data fetch and PDF generation happen synchronously after payment confirms.
What if the debtor has multiple vehicles?: One report per vehicle in v1. Multi-vehicle bankruptcy packets (single PDF with all vehicles attached to one case caption) are on the v2 roadmap.
Multi-lien support?: V1 supports a single lien payoff — covers most consumer Ch. 7 cases. Junior-lien support and Schedule D-aware equity-cushion math land in v2.
Can I see a sample before paying?: Yes. The "See a sample report" link in the hero downloads a complete report against a real VIN. The contents and formatting match what you receive.

Ready when you are

A trustee-proof number, in the time it takes to make coffee.

Start a report