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Collateral Valuation

Value Collateral & Split Claims in Minutes

12 minutes with CaseMark

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2. Upload the files you want analyzed.

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Collateral Valuation

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Collateral Valuation

Overview

CaseMark's Collateral Valuation skill automates the complex process of valuing collateral and bifurcating claims into secured and unsecured portions under 11 U.S.C. § 506. It applies chapter-specific valuation standards, special statutory rules, and reliability-ranked evidence sources to produce court-ready analyses in a fraction of the time manual calculations require.

Collateral valuation in bankruptcy requires attorneys to navigate a maze of chapter-specific standards, special statutory rules, and competing valuation methodologies. Manually classifying collateral, selecting appropriate evidence sources, applying rules like the 910-day vehicle provision, and calculating secured versus unsecured splits is time-intensive and error-prone—especially when handling multiple assets across different categories.

CaseMark automates the entire collateral valuation workflow by classifying each asset, applying the correct chapter-specific standard (liquidation, replacement, or going-concern value), and systematically splitting claims into secured and unsecured portions. The AI flags applicable special rules, calculates deficiencies and oversecured interest, and produces a structured analysis ready for proofs of claim, plan treatment, or courtroom presentation.

How it works

  1. 1. Upload collateral descriptions, debt documents, appraisals, and bankruptcy case information

  2. 2. AI classifies each collateral type, selects appropriate valuation sources, and applies chapter-specific standards

  3. 3. Review the secured/unsecured split, special rule applications, and deficiency calculations

  4. 4. Export the complete valuation analysis in your preferred format (DOCX, PDF)

What you get

  • Collateral Classification & Valuation Source Selection

  • Chapter-Specific Valuation Standard Application

  • Special Rule Analysis (910-Day, Oversecured Interest)

  • Secured vs. Unsecured Claim Allocation

  • Deficiency & Cramdown Calculations

  • Valuation Summary & Supporting Analysis

What it handles

  • Classifies collateral by type and selects court-accepted valuation sources ranked by reliability

  • Applies chapter-specific valuation standards including Chapter 7 liquidation and Chapter 13 replacement value (Rash)

  • Automatically identifies and applies the 910-day vehicle rule and § 506(b) oversecured interest

  • Splits total claim into secured and unsecured portions with detailed calculations

  • Generates deficiency calculations and cramdown-ready valuation summaries

  • Produces structured output suitable for proofs of claim, plan treatment, and valuation motions

Required documents

  • Collateral Inventory & Descriptions

    Detailed descriptions of all collateral including type, identifiers (VIN, address, serial numbers), condition, and location

    .pdf, .docx, .xlsx

  • Loan & Debt Documents

    Promissory notes, security agreements, and account statements showing principal, accrued interest, fees, and contract rate

    .pdf, .docx

  • Bankruptcy Case Documents

    Petition, schedules, and case information showing chapter filed, petition date, and plan posture

    .pdf, .docx

Supporting documents

  • Appraisals & Valuation Reports

    Professional appraisals (MAI), BPOs, NADA/KBB printouts, or certified equipment valuations

    .pdf, .docx

  • Comparable Sales Data

    Recent comparable sales, auction results, or market data supporting collateral values

    .pdf, .docx, .xlsx

  • Photos & Condition Reports

    Photographs and inspection reports documenting collateral condition

    .pdf, .jpg, .png

Why teams use it

Eliminate hours of manual research by automatically selecting the correct valuation standard and evidence hierarchy for each collateral type and bankruptcy chapter

Reduce errors in secured/unsecured splits with systematic application of § 506 bifurcation, the 910-day rule, and oversecured interest calculations

Accelerate preparation of proofs of claim, plan objections, and valuation motions with structured, citation-ready output

Strengthen cramdown positions and deficiency arguments with transparent, methodical valuation analysis that withstands judicial scrutiny

Questions

Which bankruptcy chapters does this tool support?

CaseMark's collateral valuation skill applies the correct valuation standard for Chapter 7 (liquidation value), Chapter 13 (replacement value under Rash), and Chapter 11 cases. It automatically adjusts its analysis based on the chapter filed and the case posture you provide.

How does the tool handle the 910-day vehicle rule?

CaseMark automatically checks whether a vehicle was purchased within 910 days of the petition date. If the rule applies, the tool flags that the full claim amount is treated as secured, overriding the standard § 506 bifurcation. This ensures your analysis is accurate for BAPCPA-era cases.

What types of collateral can be valued?

CaseMark supports real property, vehicles, equipment and machinery, accounts receivable, inventory, and other common collateral types. Each category uses reliability-ranked valuation sources appropriate for court proceedings, from MAI appraisals to NADA Guides.

Can I use this for cramdown disputes and valuation motions?

Absolutely. CaseMark's output is structured to support cramdown analyses, valuation motions under FRBP 3012, and plan treatment disputes. The detailed calculations and source citations give you a strong analytical foundation for court filings.

Does the tool calculate oversecured creditor interest under § 506(b)?

Yes. When the collateral value exceeds the total claim, CaseMark identifies the oversecured position and calculates allowable interest, fees, and charges under § 506(b), including analysis of the applicable contract rate and reasonableness standards.

What if I'm missing an appraisal or valuation data?

CaseMark will identify any missing prerequisites—such as appraisals, VINs, or debt details—and flag them before proceeding. This ensures the analysis is complete and defensible rather than relying on assumptions that could undermine your position.

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