I live in Wisconsin and own my house free and clear but will be filing chapter 7 bankruptcy. I know there is an exemption of $75000 for WI. citizens. How will my house's resale value be determined ? My property tax bill is not accurate at all. It states my house at fair market value is worth $95100. I had a realtor come and had a market analysis done and the house is only valued at $65000 now if it was up for sale on the market. Will that be sufficient evidence to use in my bankruptcy for the resale value of my home or do I need to actually get a certified appraisal done ? I don't want to lose my home and just want to show how much the true value of my house is only worth not what the tax bill claims it is worth. The difference in these two figures means me either keeping my house or not.