Confused about replacement value

[sillybebe]

How do I determine the replacement value for appliances and other household goods? I understand with the new bankruptcy law that it is no longer the amount I could get at a "garage sale." I have no idea how much my 10 year old refrigerator is worth. Any ideas or websites with replacement values given?

Another question: I understood that student loans were not dischargeable in a chapter 7. Am I confused?

[rrj]

i live in tn, my questioner that i filled out last week and turned in
said in bold letters, list value for what you get in a yard sale

everything in my house if i sold i probably would not get over 1000.00 and probalby under that

[backtoschool]

The replacement value should be the value you would get for the item if you sold it on ebay or sold it to someone on craig's list quickly.

Student loans are not dischargeable, unless you file an AP and show that you have a permanent disability or other condition that would keep you from ever paying any of the loans back. Very very few people ever win this AP, and it is an expensive separate trial to try to even be heard on this issue.

For just about all of us, student loans are not dischargeable.

[southernbelle]

You can use garage sale / craig's list values when determining the values of your stuff. If you have a 10 year old refrigerator it might be worth $50 if that.

[keepmine]

This is a situation where you forget about what the code says and just deal in reality. There is little value in used consumer appliances. Your trustee won't bat an eye at theyou place on an old fridge. He/she doesn't want it. The cost to appraise it, pick it up, store it, refurbish and then sell it is just prohibitive.

[sillybebe]

Okay, thank you to all who responded...I was getting pretty hung up on the values... I don't want ANYTHING to keep this from going through!