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IN RE SMITH

No. 03 B 35345.

307 B.R. 912 (2004)

In re Joann SMITH, Debtor.

United States Bankruptcy Court, N.D. Illinois, Eastern Division.

April 1, 2004.

Attorney(s) appearing for the Case

Sara K. Ledford; Xiaoming Wu, for Debtor.

David P. Leibowitz, Esq., Waukegan, IL, trustee.

MEMORANDUM OPINION ON DEBTOR'S MOTION TO REDEEM

JACK B. SCHMETTERER, Bankruptcy Judge.

The Debtor, Ms. Joann Smith ("Smith"), in this Chapter 7 proceeding proposes to redeem her automobile pursuant to 11 U.S.C. § 722 based on its wholesale value. The main issue presented is whether a wholesale value standard or a retail value standard should be used to determine the amount of a secured claim for redemption purposes. For reasons discussed below...

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