Bankruptcy vehicle appraisals
Certified appraisers
Accepted in all 50 states and DC
Same-day available
Your bankruptcy schedules demand a value for every vehicle you own, and the number you write down matters more than most filers realize. Too high and you show equity you don't have, putting the car at risk. Too low and the trustee starts asking uncomfortable questions. $250 flat, 24-48 hours.
The number the trustee will test
When you file, you disclose personal property, vehicles included, on your schedules. That value drives real outcomes. Your exemptions decide whether you keep the car in Chapter 7, and an accurate value shows whether your equity fits inside the vehicle exemption. If the trustee believes the car is worth more than you disclosed, expect objections, delays, and added legal fees. And under-reporting, even accidentally, can look like hiding assets from creditors, which puts the whole case at risk.
A consumer pricing printout is a liability here. It isn't certified, doesn't account for your car's actual condition and mileage, and gives you three different numbers to choose from, a choice a trustee may read as self-serving. A certified appraisal replaces the guesswork with documented, market-based valuation from a professional with no stake in your case.
WHAT'S INCLUDED: $250 FLAT
- Certified current market value based on actual condition, mileage, and local market
- Objective third-party documentation prepared to answer trustee questions
- Prepared for Chapter 7 exemptions or Chapter 13 plan valuation
- A format your attorney can attach directly to your schedules
- In-person inspection in Texas, 100% online everywhere else
- Secure delivery to your inbox, with turnaround geared to filing deadlines
File on a number you can defend
Tell us the chapter
Chapter 7 exemption math or Chapter 13 plan valuation: the context changes how the report is prepared. Flat $250 quoted on the call.
We come to it, or you send photos
In Texas, a certified appraiser sees the vehicle in person. Everywhere else it runs online from your details and photos, valued against current market data.
Attach it to the schedules
Report by email, usually within 24-48 hours, in a format your attorney can attach directly. You and your attorney file with confidence.
Every bankruptcy appraisal: $250, flat
$250 flat per vehicle, whether we see it in Texas or work online from your photos. Inexpensive next to what a trustee objection can cost in delays and legal fees. Own multiple vehicles? Ask about multi-vehicle pricing before you order.
From $200
Bankruptcy appraisals by state
Exemption amounts vary by state and by whether you use the federal or state schedule. The certified valuation behind them works everywhere.
Chapter 7 and Chapter 13 questions
[faq-start]
- Do bankruptcy courts require a professional appraisal?
- Chapter 7 or Chapter 13: does it matter?
- What if I own multiple vehicles?
- Can I just use a website estimate?
- Not always, but trustees can and do challenge unsupported values. A certified appraisal is inexpensive next to what an objection can cost in delays and fees.
- The appraisal serves both: exemption math in Chapter 7, and plan valuation (like cram-downs on vehicle loans) in Chapter 13. Tell us the context and we'll prepare the report accordingly.
- We can appraise each one; ask about multi-vehicle pricing before you order.
- You can, but it's the weakest evidence in the file. Consumer printouts aren't certified, don't reflect your car's condition, and give three numbers a trustee may read as self-serving. That's exactly the situation a certified appraisal is meant to close.
[faq-end]
Do bankruptcy courts require a professional appraisal?
Often filed together
Divorce & family court
One neutral, certified number both attorneys can work from. $250 flat, same-day often available.
Estate & probate
Certified vehicle values for probate filings, including date-of-death valuations. $250 flat.
Do bankruptcy courts require a professional appraisal?
Tell us what you're solving.
Lost title, lowball offer, tax bill that doesn't match the truck. We've filed a thousand of each. 281-709-3436, or send the form.
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