When Trustee determines that there is equity in real estate or an automobile, he prefers to afford Debtor an opportunity to re-acquire that asset from the Estate prior to exposing the asset to the market. Where necessary, Trustee will retain a mortgage or security interest in the asset to assure payment. The note evidencing such indebtedness will typically bear interest but will allow for pre-payment.

When an acceptable offer is not forthcoming, Trustee will  sell the asset. For real estate, he will employ a broker, giving that broker the exclusive right to sell. Any subsequent offer to acquire equity in real estate, even subject to liens, by or on behalf of the Debtor, will have to be made through the broker who will be entitled to a commission on such sale. Trustee always consider all offers and recommend to the Court the offer that is in the best interests of the Estate utilizing his business judgment consistent with 11 USC 704.

Trustee urges Debtors to make any offer to acquire equity as soon as possible after Trustee expresses his intention to sell the asset. He urges Debtors to make or purchase their own appraisal of real estate or personal property if they disagree with the Trustee's assessment. Both real estate and automobiles have substantially increased in value recently. Debtor's view of the value of their property frequently does not reflect current market value.