In Re Zambuto

OPINION

MICHAEL B. KAPLAN, Bankruptcy Judge.

I. INTRODUCTION

This matter comes before the Court on the Chapter 13 petition filed by the Debt- or, Sandy Zambuto, in contemplation of approval of the Debtor’s Plan of Confirmation, together with objections interposed by JP Morgan Chase Bank, NA. The principal issue before the Court is how to calculate the replacement value of a used vehicle for cramdown purposes, including the appropriate commercial valuation guides to be used.

For the reasons set forth below, the Court determines that retail value is the appropriate starting point in calculating…