U.S. Code » Title 11 » Chapter CHAPTER 7— LIQUIDATION › Subchapter SUBCHAPTER II— COLLECTION, LIQUIDATION, AND DISTRIBUTION OF THE ESTATE

11 U.S.C. § 722

Redemption

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An individual debtor may, whether or not the debtor has waived the right to redeem under this section, redeem tangible personal property intended primarily for personal, family, or household use, from a lien securing a dischargeable consumer debt, if such property is exempted under section 522 of this title or has been abandoned under section 554 of this title, by paying the holder of such lien the amount of the allowed secured claim of such holder that is secured by such lien in full at the time of redemption.

Notes of Decisions
Cited in 374 cases (9 in the last 5 years), 1939–2026 · leading case: In Re Podnar, 307 B.R. 667 (Bankr. W.D. Mo. 2003).
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In Re Podnar, 307 B.R. 667 (Bankr. W.D. Mo. 2003). · cites it 8× “Robert Roy Podnar and Evelyn Sue Podnar, the Debtors herein (“Debtors”), filed a motion for redemption pursuant to 11 U.S.C. § 722 , seeking to redeem a 2000 Dodge Intrepid automobile.”
Dewsnup v. Timm, 502 U.S. 410 (1992). · cites it 2× “, 11 U. S. C. § 722 (permitting a Chapter 7 debtor to redeem certain tangible personal property from certain liens "by paying the holder of such lien the amount of the allowed secured claim of such holder that is secured by such lien"); § 1225(a)(5) (prescribing treatment of "…”
In Re Mahaner, 34 B.R. 308 (Bankr. W.D.N.Y. 1983). · cites it 6× “Marine’s attorneys point out properly that 11 U.S.C. § 722 does not permit the redemption of real property in a Chapter 7 proceeding.”
Arruda v. Sears, Roebuck & Co., 310 F.3d 13 (1st Cir. 2002). · cites it 3× “” 11 U.S.C. § 722 (2000). The cases that undergird this appeal present something of an anomaly.”
In Re Morales, 387 B.R. 36 (Bankr. C.D. Cal. 2008). · cites it 5× “On March 9, 2008, the Debtor filed the Debtor’s Motion for Authority to Redeem Personal Property and Approval of Associated Financing Under 11 U.S.C. § 722 (“Motion”). In the Motion, the Debtor seeks to redeem a 2006 Chrysler Sebring Touring 4D (“Vehicle”) from Creditor HSBC…”
Arruda v. Sears, Roebuck & Co., 273 B.R. 332 (D.R.I. 2002). · cites it 7× “3 11 U.S.C. § 722 . Under § 722, the debtor may force redemption for tangible personal property intended for personal, family or household use that has been exempted or abandoned.”
In Re Cruseturner, 8 B.R. 581 (Bankr. D. Utah 1981). · cites it 4× “The common issues raised in these cases are whether 11 U.S.C. § 722 allows redemption to be made by payment in installments and to what extent, if any, the automatic stay of 11 U.”
Sears, Roebuck & Co. v. Spivey, 265 B.R. 357 (E.D.N.Y 2001). · cites it 5× “Unlike reaffirmation terms, the redemption price is not subject to negotiation.”
In Re Thomas Howard Bell & Margaret Louise Bell, Debtors. Gen. Motors Acceptance Corp. v. Thomas Howard Bell & Margaret Louise Bell, 700 F.2d 1053 (6th Cir. 1983). · cites it 2× “The Bankruptcy Reform Act of 1978 authorizes a Chapter 7 debtor to redeem certain secured property: *1055 11 U.S.C. § 722 . 2 This provision generally permits a debtor to redeem tangible secured personal property by paying the creditor the approximate fair market value of said…”
In Re Lorraine B. Runski, Debtor. Cypher Chiropractic Ctr., Creditor-Appellant v. Lorraine B. Runski, Debtor-Appellee, 102 F.3d 744 (4th Cir. 1996). · cites it 3× “Runski, to redeem certain personal property pursuant to 11 U.S.C.A. § 722 (West 1993). We conclude that the property in question is not subject to redemption because it is not “intended primarily for personal, family, or household use.”
In Re Warren L. Taylor, Jr., Cathy L. Taylor, Debtors. Warren L. Taylor, Jr., Cathy L. Taylor v. Age Fed. Credit Union, 3 F.3d 1512 (11th Cir. 1993). · cites it 2× “No other meaning can be gained from the precise terms of the statute, and nothing suggests the debtor can simply elect to retain the property and ignore the other duties required by § 521(2).”
In Re Shrum, 98 B.R. 995 (Bankr. W.D. Okla. 1989). · cites it 4× “Tinker contends that to permit the avoidance of its lien as sought by debtor would render 11 U.S.C. § 722 superfluous. Section 722 is, in its entirety, as follows: An individual debtor may, whether or not the debtor has waived the right to redeem under this section, redeem…”
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