Who decides property value in chapter 13 Bankruptcy?

The county auditor's number is an estimate. The appraisal by the realtor will be used as the actual value unless another party also gets an appraisal, then it's a battle which one the judge will accept.

When it comes to property values, the value used will generally be the value the debtor claims unless someone objects. If there is an objection, the person who persuades the judge that their valuation is as close to fair market value will prevail. Property valuation is a matter of opinion, not relying on any single hard and fast rule.

There are a lot of factors that determine how much you pay in a chapter 13 bankruptcy, which you haven't mentioned. The fact that the liquidation analysis shows $10,000 in nonexempt equity in your house may or may not have any bearing on how much you're paying in the bankruptcy plan. How much will your creditors be getting through the plan? If it's significantly more than $10,000, then the fact that you have $10,000 in nonexempt equity in your home is immaterial. If, on the other hand, the amount your creditors will receive is right around $10,000, then it may be worth having an attorney look into it. If you believe you're paying too much in the plan, you may be able to get it modified. But I'm not going to second guess your attorney without much, much more information than you've provided. One last thing - if you try to lower your payments through a modification, you will have to provide evidence of your income and all your expenses to your trustee. The trustee will never allow a modification to lower payments unless you can document the need for lower payments.

What you propose seems odd. You should have checked with your attorney before your plan was confirmed. It may not matter as often the plan payments are required by the test known as the B22.