[PUBLISH]

In the

United States Court of Appeals

For the Eleventh Circuit

____________________

No. 21-10987

____________________

In Re: JUDITH LACY BOZEMAN,

Debtor.

___________________________________________________

MORTGAGE CORPORATION OF THE SOUTH, 

Plaintiff-Appellant,

versus

JUDITH LACY BOZEMAN, 

Defendant-Appellee,

SABRINA L. MCKINNEY, 

Interested Party-Appellee.

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2 Opinion of the Court 21-10987

____________________

Appeal from the United States District Court

for the Middle District of Alabama

D.C. Docket Nos. 2:20-cv-00403-RAH,

Bkcy No. 2:16-bk-32469-WRS

____________________

Before ROSENBAUM and TJOFLAT, Circuit Judges, and MOODY,* 

District Judge.

ROSENBAUM, Circuit Judge:

Section 1322(b)(2) of Title 11 is known as the Bankruptcy 

Code’s “antimodification” provision. Tanner v. FirstPlus Fin., Inc., 

(In re Tanner), 217 F.3d 1357, 1359 (11th Cir. 2000). Under it, without the lender’s express approval or an applicable statutory exception, bankruptcy plans cannot modify the rights of home-mortgage 

lenders as they relate to mortgages on a debtor’s principal residence secured by that residence. 

Despite the antimodification provision, Debtor-Appellee Judith Lacy Bozeman’s confirmed bankruptcy plan purported to 

modify the rights of Plaintiff-Appellant Creditor Mortgage Corporation of the South’s (“MCS”) mortgage on Bozeman’s residence. In fact, her plan purported to eradicate all remaining 

* The Honorable James S. Moody, Jr., United States District Judge for the Middle District of Florida, sitting by designation.

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outstanding payments on her mortgage, beyond MCS’s claims for 

past-due arrearages. Then, after Bozeman paid off the debts identified under her bankruptcy plan, Bozeman sought to have MCS’s 

lien on her home (which had guaranteed her payments on the outstanding loan balance) dissolved. Noting that the bankruptcy court 

had confirmed Bozeman’s Plan without objection and that 11 

U.S.C. § 1327 (the “finality” provision) renders confirmed plans final, the bankruptcy court granted Bozeman’s motion, and the district court affirmed.

This case requires us to determine which provision wins—

antimodification or finality—when the two clash in the scenario 

this case presents. We declare the antimodification provision the 

victor. 

Under Supreme Court and Eleventh Circuit precedent, we 

read the antimodification provision as an ironclad “do not touch” 

instruction for the rights of holders of homestead mortgages. So a 

bankruptcy plan cannot modify the rights of a mortgage lender 

whose claim is secured by the debtor’s principal residence by 

providing for release1 of the homestead-mortgagee’s lien before 

the mortgagee has recovered the full amount it is owed. For this 

reason, we reverse the bankruptcy court’s order discharging MCS’s 

lien on Bozeman’s home and the district court’s order affirming it.

1 A “release” of a lien “discharge[s] a [lien] upon full payment by the borrower” 

and “show[s] that the borrower has full equity in the property.” Release of 

Mortgage, Black’s Law Dictionary (11th ed. 2019).

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I.

In 2015, Judith Bozeman mortgaged her home to MCS for a 

$14,000 loan. In exchange for the mortgage loan, Bozeman agreed 

to pay MCS back, plus 19.7% annual interest, over nine years. And 

as collateral, Bozeman agreed to give MCS a security interest in her 

home. That allowed MCS to foreclose on Bozeman’s home and 

recoup the balance of Bozeman’s debt to MCS if Bozeman failed to 

pay back the money she borrowed. 

Unfortunately, in 2016, Bozeman’s financial situation took a 

turn for the worse. On September 7, she filed for Chapter 13 bankruptcy—a legal action that allows an income-earning debtor to 

hold onto her property while she pays her creditors back over a 

three-to-five-year period. Harris v. Viegelahn, 575 U.S. 510, 514 

(2015) (citing 11 U.S.C. §§ 1306(b), 1322, 1327(b)).

A week after Bozeman filed for bankruptcy, on September 

16, MCS filed a proof of claim.2

 See 11 U.S.C. § 501. In that proof 

of claim, MCS asserted Bozeman owed $6,817.42 in arrears on the 

2015 mortgage loan.3 The proof of claim listed the value of MCS’s

claim several times, each time with “Arrearage only” handwritten 

beside it. In other words, the proof of claim did not include the 

2 A proof of claim is a legal form a creditor fills out to make a claim for payment out of bankruptcy funds in a bankruptcy case. See Bankruptcy Form 

410.

3 “Arrears” refer to “unpaid or overdue debt[s].” Arrear, Black’s Law Dictionary (11th ed. 2019)

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amount outstanding on Bozeman’s loan after payment of the arrearages.

A few days after MCS filed its claim, Bozeman filed a proposed payment plan. And two months later, Bozeman filed an 

amended plan (for convenience, our further reference in this opinion to the amended plan uses the term “Plan”).

4

 In the Plan, Bozeman acknowledged a debt to MCS, secured by her home, in the 

amount of $17,393.04, plus 7.568% in interest. She also listed a secured car loan and unspecified unsecured debt, each owed to unrelated creditors. Bozeman’s Plan proposed 58 monthly payments of 

$503.00 to the bankruptcy Trustee, $454.00 of which would go to 

MCS (seemingly adding up to a total of $26,332.00 (58 months x 

$454.00 per monthly payment) for MCS). 

Bozeman’s Plan included a lien-retention provision that 

guaranteed secured creditors’ retention of their liens until 

4 When someone files a Chapter 13 bankruptcy petition, a disinterested trustee is appointed to administer the case. 11 U.S.C. § 1302. Among other things, 

the trustee evaluates the case, collects payments from the debtor, and distributes those payments to the creditors. Id. § 1302(b). On November 17, the 

trustee here (“Trustee”) filed an objection to confirmation of the initial plan. 

Among other reasons, the Trustee objected because the proposed plan did not 

satisfy the required commitment period (the period for which the plan provides for a debtor to make payments). To justify a shorter commitment period, the Trustee requested that Bozeman include full payments to all unsecured creditors through the plan. Id. See 11 U.S.C. § 1325(b)(4). Bozeman 

then filed her amended Plan, which included 100% payments to her unsecured 

creditors. 

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“completion of all payments under [the] [P]lan.” Still, though, Bozeman’s Plan advised that “[c]reditors must file a proof of claim to 

be paid.” And it expressly proposed that once her Plan was confirmed, “the creditor’s claim shall be paid its specified monthly 

[P]lan payments on the terms and conditions” provided for by the 

[P]lan “as required under § 1325(a)(5).”5 

The form on which Bozeman submitted her Plan identified 

several possible ways she could pay her creditors. Among others, 

one provision was titled, “curing defaults” under § 1322(b)(5). This 

avenue would have allowed Bozeman to remedy debts for which 

she had fallen behind. A plan that uses this mechanism, known as 

a cure-and-maintain plan, allows a homeowner “to stave off foreclosure and catch up [her] mortgage within a reasonable amount 

of time.” In re Muhammad, 536 B.R. 469, 471 n.1 (Bankr. M.D. Ala. 

2015) (citing 11 U.S.C. § 1322(b)(5)). It is designed to remedy arrearages when the full balance of the debt will become due after

the Chapter 13 plan ends. Though MCS’s loan to Bozeman—with 

its $6,817.42 in arrearages and its balance due after the Plan 

ended—would have fit the bill for the “curing defaults” provision,

Bozeman did not list any debts under that section.

Rather, she provided for her debt to MCS under the section 

titled, “secured claims paid through the [P]lan.” This provision 

5 Section 1325(a)(5) outlines requirements for Chapter 13 plans that provide 

for the payment of secured claims. 

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advised that creditors’ claims were to be paid under “the terms and 

conditions listed below as required under § 1325(a)(5).” 

The bankruptcy court later described Bozeman’s Plan as a 

full-payment plan, meaning that (unlike a cure-and-maintain plan) 

it provided for payment of the full balance of the identified debts

within the life of the Chapter 13 plan.6 Put simply, under a fullpayment plan, Bozeman’s entire debt to MCS (including both the 

arrearages and any remaining balance) would be considered fully 

paid when Bozeman completed payments on her Plan.

MCS did not object to Bozeman’s Plan. Nor did it initially 

file an amended claim.7

On January 9, 2017, the bankruptcy court held a confirmation hearing. The Trustee filed a summary of the confirmed Plan. 

That summary reiterated that Bozeman would make 58 monthly 

payments of $503.00 to the Trustee. And it listed MCS as the only 

secured creditor. In addition, the summary identified the value of 

the collateral supporting MCS’s claim as $17,180.00, with an interest rate of 7.57%, and monthly payments of $454.00. The Trustee 

6 The district court referred to this type of plan as a full-balance plan. These 

terms are interchangeable, so for the sake of simplicity, we use the term “fullpayment plan.”

7 In May 2019, two-and-a-half years after MCS filed its initial claim, MCS filed 

two amended proofs of claim. The bankruptcy court rejected those claims as 

untimely filed. MCS has not appealed that decision. 

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transmitted a copy of the Plan to MCS, and on January 14, 2017, 

the bankruptcy court confirmed the Plan. 

Just over a year later, in March 2018, MCS moved to dismiss 

the bankruptcy proceeding because Bozeman fell behind on her 

Plan payments. MCS and Bozeman negotiated a resolution, and 

MCS withdrew its motion to dismiss. 

With the Plan back on track, a little more than a year later, 

on May 13, 2019, the Trustee filed notice that Bozeman had completed her payments under her Plan. The “Notice of Final Cure 

Payment” said that Bozeman had successfully paid $6,817.42 to the 

Trustee under the Plan. According to the Trustee, this figure constituted the “[e]ntire mortgage debt” owed MCS. So the Notice of 

Final Cure Payment declared that Bozeman had paid her “prepetition arrearage” balance of $6,817.42 in full and that she had no remaining payments under the Plan. 

The next day, MCS objected. Although Bozeman had paid 

the full amount “required to cure the default on the arrearage 

claim,” MCS explained, she had paid nothing towards the remaining $15,032.73 balance due on her mortgage. So on June 12, MCS 

moved to lift the automatic stay on enforcement proceedings so it 

could seek to foreclose on Bozeman’s home.

8

 

8 When a bankruptcy case is filed, other litigation against the debtor is automatically stayed. See 11 U.S.C. § 362.

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Three months later, on September 12, 2019, Bozeman 

moved to release the lien MCS held on her property. She argued

that at the outset of the bankruptcy proceeding, she proposed to 

pay her entire debt to MCS. And, she continued, she had paid MCS 

everything it had asked for in its original proof of claim. Having 

paid MCS’s original claim, Bozeman asserted, she satisfied the lien 

MCS held against her property, so the court should treat the lien as 

satisfied and released. 

MCS objected to Bozeman’s motion to discharge the bankruptcy and release the lien. It raised a series of arguments. 

First, MCS contended that Bozeman had not complied with 

the straightforward terms of the Plan. The Plan acknowledged a 

$17,180.00 debt and required 58 consecutive payments. That debt 

had not been paid, and not all 58 payments had been made. 

Second, MCS asserted that the Plan was illegal at the outset. 

Under the antimodification provision, MCS argued, a plan cannot 

modify the rights of a holder of “a claim secured only by a security 

interest in real property that is the debtor’s principal residence.” 

That, MCS asserted, described its lien here. So, MCS reasoned, the 

bankruptcy court was not free to modify the terms of its mortgage 

claim by approving Bozeman’s Plan to the extent that it purported 

to extinguish the mortgage five years short of its maturity date and 

“cram[] down the interest rate.” 

Relatedly, MCS noted that 11 U.S.C. § 1322(c)(2) excuses 

compliance with the antimodification provision when “the last 

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payment on the original payment schedule for a claim [that is secured only by a security interest in real property that is the debtor’s 

principal residence but that] is due before the date on which the 

final payment under the plan is due.” (emphasis added). But, MCS 

argued, that provision did not except MCS’s claim from the antimodification provision because, under the original payment schedule for Bozeman’s mortgage, the last payment was due three years 

after the Plan was scheduled to be completed.

Third, MCS contended that longstanding principles of bankruptcy law prohibit invalidation of a secured lien through bankruptcy. As MCS saw things, a lien, particularly a mortgage lien, 

“survives” a confirmed Chapter 13 plan, and the general rule is that 

liens “pass through” bankruptcy unaffected. According to MCS, 

bankruptcy can extinguish an in personam claim against a debtor, 

but it does not eliminate an in rem claim against the debtor’s property. 

Finally, MCS argued that our decision in In re Bateman

squarely controlled the case. There, we held that “a secured creditor’s claim for mortgage arrearage survives the confirmed plan to 

the extent it is not satisfied in full by payments under the plan, or 

otherwise satisfied.” Universal Am. Mortg. Co. v. Bateman (In re 

Bateman), 331 F.3d 821, 822 (11th Cir. 2003). Were that not the 

case, we explained, we “would deny the effect of 11 U.S.C. 

§ 1322(b)(2), which, in effect, prohibits modifications of secured 

claims for mortgages on a debtor’s principal residence.” Id.

In response, Bozeman made four primary points.

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First, she said that MCS got what it had bargained for. As 

Bozeman saw things, MCS had asked for $6,817.42 plus interest, 

and that’s exactly what it received. Bozeman pointed out that MCS 

could have amended its claim before the claim submission deadline, but it failed to do so. Nor did it offer any “excuse either for its 

initial failure or for sleeping on its rights until the Plan had concluded,” Bozeman asserted. 

Second, Bozeman argued she would be unfairly prejudiced 

if the bankruptcy court did not discharge her debt to MCS. This 

was so, Bozeman explained, because Bozeman had to pay her unsecured creditors in full with what was left after she paid the arrearages claim, since MCS had failed “to amend its proof of claim to 

accurately represent what was owed . . . .” 

Third, Bozeman acknowledged the discrepancy between 

the debt she outlined in her plan (the $17,180.00, with an interest 

rate of 7.57%) and the debt MCS claimed in its proof of claim

($6,817.42). But in her view, MCS’s smaller claim superseded the 

Plan’s estimation of the amount of her debt to MCS. 

And fourth, Bozeman argued that the Supreme Court’s decision in United Student Aid Funds, Inc. v. Espinosa, 559 U.S. 260 

(2010), foreclosed MCS’s challenge to the Plan based on the alleged 

improper confirmation of the Plan. To the extent this Court’s decision in Bateman conflicted with Espinosa, Bozeman suggested 

that Espinosa controlled. 

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Following an evidentiary hearing, the bankruptcy court

granted Bozeman’s motions to discharge her from bankruptcy and 

to deem MCS’s lien satisfied. MCS filed a notice of appeal with the 

district court. In that notice (and later in its briefing before us), 

MCS limited its appeal to the bankruptcy court’s decision to deem 

the lien satisfied. The district court affirmed. 

We now consider MCS’s appeal.

II.

We “sit[] as a second court of review.” Yerian v. Webber (In 

re Yerian), 927 F.3d 1223, 1227 (11th Cir. 2019) (quotation omitted). 

In that role, we “examine[] independently the factual and legal determinations of the bankruptcy court and employ[] the same standards of review as the district court.” Id. When, as here, the district 

court affirms the bankruptcy court’s order, we review the bankruptcy court’s decision. Brown v. Gore (In re Brown), 742 F.3d 

1309, 1315 (11th Cir. 2014). In so doing, we review the bankruptcy 

court’s legal conclusions de novo and its factual findings for clear 

error. Id. 

III. 

The only question we address in this appeal is whether Bozeman’s payoff of her Plan entitled her to satisfaction of MCS’s lien 

on her home. Our prior precedent requires us to conclude it did 

not. We divide our analysis into two parts. In Section A, we explain why the Plan modified MCS’s rights in violation of the Bankruptcy Code’s antimodification provision, so our precedent 

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requires us to conclude the Plan was not a legal one. Section B 

shows why, despite the preclusive effect of the confirmed plan, the 

bankruptcy court should not have released MCS’s lien.

A. The antimodification provision prohibited the Plan from 

modifying MCS’s rights as a homestead mortgagee.

We divide our discussion into three parts. In Section 1, we 

show why the antimodification provision’s text and our precedent 

require us to conclude that the Plan unlawfully purported to modify MCS’s rights as a homestead mortgagee. Section 2 explains how 

Bozeman improperly used a full-payment plan and why that improper use cannot modify MCS’s rights as a homestead mortgagee. 

And in Section 3, we reject Bozeman’s argument that the Supreme 

Court abrogated our precedent that requires us to conclude that 

Bozeman’s Plan did not modify MCS’s rights as a homestead mortgagee.

1. The statutory text and our prior precedent require us 

to conclude that, to the extent the Plan purported to 

modify MCS’s rights as a homestead mortgagee, the 

Plan was not legal under the Bankruptcy Code.

Because this case requires us to consider what the Bankruptcy Code requires, we begin with the statutory text. See Heyman v. Cooper, 31 F.4th 1315, 1318 (11th Cir. 2022) (“As in every 

statutory-interpretation case, we start with the text—and, if we find 

it clear, we end there as well.”) (citation and quotation marks omitted). In construing the terms of the statute, we give them their 

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“ordinary public meaning.” Bostock v. Clayton Cnty., 140 S. Ct. 

1731, 1738 (2020). Our task requires us to look not only to the statutory language at issue but also to the “language and design of the 

statute as a whole.” K Mart Corp. v. Cartier, Inc., 486 U.S. 281, 291 

(1988); see also Antonin Scalia & Bryan A. Garner, Reading Law

167 (2012) (noting that the “whole-text canon . . . calls on the judicial interpreter to consider the entire text, in view of its structure 

and of the physical and logical relation of its many parts”).

The antimodification provision states, as relevant here, that 

a bankruptcy “plan may—(2) modify the rights of holders of secured claims, other than a claim secured only by a security interest 

in real property that is the debtor’s principal residence.” 11 U.S.C. 

§ 1322(b)(2) (emphasis added). In other words, a plan may not

“modify the rights of holders of . . . a claim secured only by a security interest in real property that is the debtor’s principal residence.” By its plain language, then, this provision prohibits bankruptcy plans from modifying the rights of the holder of a claim secured by only a security interest in real property that is the debtor’s 

principal residence—rights like MCS’s at issue here.

Still, other parts of § 1322 limit this prohibition on modification of homestead mortgage loans. “[N]otwithstanding” 

§ 1322(b)(2), § 1322(b)(5) authorizes bankruptcy plans to “provide 

for the curing of any default within a reasonable time and maintenance of payments while the case is pending on any unsecured 

claim or secured claim on which the last payment is due after the 

date on which the final payment under the plan is due.” 11 U.S.C. 

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§ 1322(b)(5) (emphasis added). So for situations when a debtor’s 

outstanding mortgage secured by her principal home is not due to 

be paid off until after the plan expires, and her payments on that 

mortgage are in arrears—like Bozeman’s situation—a plan may allow the debtor to catch up on her arrearages, while maintaining 

her monthly payments, and avoid foreclosure. By design, under a 

plan like that—a cure-and-maintain plan—after the debtor is discharged from bankruptcy, the debtor must continue to make the 

payments remaining on the original payment schedule for the 

mortgage. We refer to § 1322(b)(5) as the “cure-and-maintain exception.”

By its terms, then, the cure-and-maintain exception authorizes only two things with respect to a principal-residence-backed 

mortgage when the last payment is due after the plan ends: (1) 

modification of the rights of the mortgage-holder only as those 

rights relate to collection of arrears on the debt and (2) maintenance of current payments on the mortgage loan. Id. It does not 

contemplate modification of the mortgage holder’s rights to receive payments remaining on the mortgage after the completion of 

the plan. See id.

In contrast—and again “[n]otwithstanding subsection (b)(2) 

and applicable nonbankruptcy law,” § 1322(c)(2)’s text reflects that 

it deals solely with cases when “the last payment on the original 

payment schedule for a claim secured only by a security interest in 

real property that is the debtor’s principal residence is due before 

the date on which the final payment under the plan is due.” 11 

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U.S.C. § 1322(c)(2) (emphasis added). We refer to this exception as 

the “short-term exception.” Under the short-term exception, “the 

plan may provide for the payment of the claim as modified pursuant to section 1325(a)(5) of this title.” Id. 

Because Bozeman’s case does not involve a mortgage where 

the last payment on the original payment schedule was due before 

the date on which the final payment under the plan is due, we do 

not discuss the requirements of the short-term exception further. 

It is enough to observe that the short-term exception does not authorize an exception to the antimodification provision’s prohibition on modifications of a homestead-backed mortgage loan when 

the original payment schedule contemplates the final payment after the plan period expires.

In sum, then, in § 1322, Congress three times expressly or 

implicitly protected from modification the rights of homesteadmortgage lenders as they concern those lenders’ secured interests 

in the debtor’s principal residence, when the final original payment 

schedule does not expire before the plan period ends. We have 

explained that the Code makes these protections because “favorable treatment of residential mortgagees was intended to encourage 

the flow of capital into the home lending market.” Universal Am. 

Mortg. Co. v. Bateman (In re Bateman), 331 F.3d 821, 826 (11th Cir. 

2003) (quoting Nobelman v. Am. Savs. Bank, 508 U.S. 324, 332

(1993) (Stevens, J., concurring) (quotation marks omitted)). 

On the other side of the equation, to protect debtors in a 

relationship with a homestead-mortgagee, the Bankruptcy Code 

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checks “[t]he lender’s power to enforce its rights—and, in particular, its right to foreclose on the property in the event of default”—

through the Code’s automatic-stay provision. Id. (quoting Nobelman, 508 U.S. at 330 (quotation marks omitted)).

Consistent with the concern for encouraging homestead 

mortgages, the Supreme Court has emphasized that, by its terms, 

§ 1322(b)(2) protects “the rights” of homestead-mortgagees, as opposed to “claims.” Nobelman, 508 U.S. at 328. Towards that end, 

the Court has explained, § 1322(b)(2) “does not state that a plan 

may modify ‘claims’ or that the plan may not modify ‘a claim secured only by’ a home mortgage. Rather, it focuses on the modification of the ‘rights of holders’ of such claims.” Id.

The Bankruptcy Code does not define the term “rights.” Id.

at 329. But the Supreme Court has instructed courts to look to 

state law to determine the rights a homestead mortgagee possesses 

under § 1322(b)(2). Id. (citations omitted). Here, MCS’s rights are 

“reflected in the relevant mortgage instruments, which are enforceable under [Alabama] law.” Id. 

MCS and Bozeman signed a promissory note and mortgage 

that granted MCS a security interest in Bozeman’s property. Those 

instruments gave MCS the right to foreclose on Bozeman’s property if Bozeman defaulted on her obligation to make payments to 

MCS in the agreed-upon amounts. Under the promissory note, Bozeman needed to pay MCS the $14,000 she borrowed plus 19.70% 

in interest annually. The note proposed 108 monthly payments of 

$277.67 unless Bozeman exercised her right to pay off her balance 

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early. And under Alabama law, Bozeman’s debt could not be satisfied “until there [was] no outstanding indebtedness or other obligations secured by the mortgage[.]” Ala. Code § 35-10-26. “These 

are the rights that were ‘bargained for by the mortgagor and the 

mortgagee,’ and are rights protected from modification by 

§ 1322(b)(2).” Nobelman, 508 U.S. at 329–30 (quoting Dewsnup v. 

Timm, 502 U.S. 410, 417 (1992)). 

We have also recognized as much. In In re Dukes, we said 

that “[a] creditor’s rights ‘protected from modification by § 

1322(b)(2)’ are the rights under the original loan instruments as defined by state law.” Dukes v. Suncoast Credit Union (In re Dukes), 

909 F.3d 1306, 1331 (11th Cir. 2018) (quoting Nobelman, 508 U.S. 

at 329–30).

Despite these rights that the parties bargained for and Alabama law protected, the bankruptcy court deemed MCS’s lien in 

Bozeman’s residence to be satisfied and released. It did so even 

though Bozeman paid MCS only the $6,817.42 in arrearages and 

has yet to pay the remaining balance. But both Supreme Court and 

our precedent require us to conclude that declaring a homesteadmortgagee’s lien satisfied before the debt the lien secures is paid in 

full constitutes an impermissible modification of the homesteadmortgagee’s rights under the antimodification provision.

We begin with Nobelman. There, the Supreme Court considered the debtors’ attempt to void the portion of their creditor’s 

lien that exceeded the value of the partially underwater home the 

lien secured. Nobelman, 508 U.S. at 325–26. The debtors relied on 

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11 U.S.C. § 506(a) to argue that the homestead mortgagee’s claim 

was secured up to only the current value of the home, and the remainder of the claim was unsecured. Id. at 328. They asserted that 

the antimodification provision protects only “holders of secured 

claims,” and the creditor held a secured claim only to the extent of 

the home’s value. Id. 

The Supreme Court disagreed. The Court concluded that 

the debtors’ argument “fail[ed] to take adequate account of 

§ 1322(b)(2)’s focus on ‘rights.’” Id. at 328. The antimodification 

provision did not prohibit the modification of “claims”; rather, it 

prohibited the modification of “‘the rights of holders’ of such 

claims,” the Court explained. Id. And state law and the underlying 

mortgage instruments revealed that the creditor possessed the 

right to, among other things, retain its lien until its debt was paid 

off. Id. at 329. So, the Court held, bifurcating the creditor’s claim, 

and thus partially stripping its lien, would constitute a modification 

of its rights in violation of the antimodification provision. Id. at 331.

Here, the problem is worse than that. The bankruptcy 

court’s order did not just release MCS’s lien in part; it released it in 

full. Even though MCS had a secured interest in Bozeman’s home, 

MCS has received payment for only the arrearages that were included in its claim. So release of MCS’s lien would cause the remainder of its interest to simply evaporate, regardless of its substantive rights under the terms of the mortgage and Alabama law. 

Because Bozeman obtained the release before she repaid MCS under the terms of the contract, we must conclude that the order 

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granting the release unlawfully modified MCS’s rights as a secured 

homestead-mortgagee.9

Our decisions in Bateman and Dukes further compel this result. In Bateman, the debtor’s plan provided for only partial payment in arrears to her primary-residence mortgage creditor (a plan 

that the bankruptcy court confirmed without objection). 331 F.3d 

at 822–23. We held that the bankruptcy court could not discharge 

the debtor from the full amount of the arrears she in fact owed. Id. 

at 834. We rooted our decision “within the context of the special 

treatment afforded mortgage lenders” under the antimodification 

provision. Id. at 825 n.4. As we explained, the debtor’s “plan is 

prohibited from reducing the mortgagee’s secured claim.” Id. at 

826. In other words, we reasoned that even though the debtor’s 

plan had been confirmed, the antimodification provision prohibited modifications to the mortgagee’s rights that the debtor’s primary residence secured. As a result, we concluded that the creditor’s “secured claim for arrearage survive[d] the [p]lan and [the 

creditor] retain[ed] its rights under the mortgage until [its] claim 

[was] satisfied in full.” Id. at 834. Allowing the confirmed plan to 

extinguish the mortgagee’s rights “would deny the effect of” the 

antimodification provision, we said. Id. at 822. 

9 Bateman and Dukes, which we will discuss further, foreclose the Trustee’s 

suggestion that the term “modification” refers to only the bifurcation of a secured claim into a secured and unsecured portion. In both cases, we concluded that discharging liability for unpaid debts constituted a modification of 

rights under § 1322(b)(2). And neither case involved bifurcating claims. 

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Also in Bateman, we cited with approval the Fifth Circuit’s 

decision in Simmons v. Savell (In re Simmons), 765 F.2d 547 (5th 

Cir. 1985). There, the debtor’s plan had inaccurately characterized 

the creditor’s claim. 765 F.2d at 549. The Fifth Circuit rejected the 

debtor’s argument that the inaccurate characterization effectively 

“lift[ed] the construction lien from the homestead and vest[ed] the 

interest of the property in the debtor ‘free and clear of any claim or 

interest of any creditor.’” Bateman, 331 F.3d at 831 (quoting Simmons, 765 F.2d at 555). Instead, the Fifth Circuit held the creditor’s 

lien on the debtor’s homestead “remained unimpaired by the order 

of confirmation.” Id. (quoting Simmons, 765 F.2d at 559). So we 

explained in Bateman that, under Simmons, “a lien on a mortgage 

survives the § 1327 res judicata effect of a confirmed plan.” Id.

We reached a similar conclusion in Dukes. There, we held 

that even if the debtor’s plan “provided for” her mortgage, we 

could not discharge the debt she owed because doing so would violate the antimodification provision. Dukes, 909 F.3d at 1320. As 

we explained, “a discharge of a debtor’s obligations under his residential mortgage would dramatically modify the rights of the 

holder of that mortgage.” Id. The debtor argued that discharge was 

not a modification because the creditor could still foreclose on the 

property, even if it could not seek a deficiency judgment against 

the debtor. Id. at 1320–21. We rejected that argument. In so doing, we reasoned that “[r]emoval of the [creditor’s] right to pursue 

in personam liability against [d]ebtor” would “strip[] the [creditor] 

of a right provided by the original loan instrument.” Id. at 1321. 

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The proposed discharge therefore “would necessarily modify the 

[creditor’s] rights” in violation of the antimodification provision. 

Id.

The reasoning in Dukes applies with additional force here. 

Releasing a mortgagee’s lien would modify its rights even more 

dramatically than discharging the debtor’s obligations under the 

mortgage. After all, regardless of whether a mortgagee can seek in 

personam relief against a debtor, a mortgagee that retains its lien 

can use that lien “to collect future obligations” through an in rem

proceeding against the property. Dukes, 909 F.3d at 1322. But if 

MCS’s lien is released here, MCS would have no mechanism to collect the remaining balance. 

The Code’s protections for the rights of primary-residential

mortgage holders forbid that result. So they prohibit releasing a 

lien before the terms of the primary-residential mortgage are satisfied. Indeed, the Supreme Court has long recognized the protection bankruptcy law offers against the invalidation of a creditor’s 

lien. See Dewsnup, 502 U.S. at 418–19 (“[N]o provision of the preCode statute permitted involuntary reduction of the amount of a 

creditor’s lien for any reason other than payment on the debt.”) 

(citing Long v. Bullard, 117 U.S. 617, 620–621 (1886)).10

10 This is not to say that the modern Bankruptcy Code completely lacks the 

authority to strip or void liens or that liens always survive bankruptcy. See,

e.g., Wells Fargo Bank, N.A. v. Scantling (In re Scantling), 754 F.3d 1323, 1325 

(11th Cir. 2014) (holding that the Bankruptcy Code authorizes “a debtor [to]

‘strip off’ a wholly unsecured junior mortgage in a Chapter 20 case.”). In fact, 

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Bozeman resists the conclusion that releasing MCS’s lien violatesthe antimodification provision. She asserts that her Plan contemplated paying MCS’s entire claim, so her payments through the 

Plan amounted to early payment of the full balance owed to MCS, 

and they satisfy the full scope of her obligations. But Bozeman’s 

position does not square with controlling legal authority. Both the 

text of the statute and Nobelman instruct that the critical inquiry 

for the antimodification provision involves the “rights of holders.” 

Nobelman, 508 U.S. at 328 (quoting 11 U.S.C. § 1322(b)(2)). 

So while it’s true that the sole timely proof of claim that 

MCS filed during the bankruptcy proceeding sought only $6,817.42 

in arrears, nothing about that claim (or the absence of any additional claim) changed the fact that MCS was entitled under the 

terms of the mortgage and Alabama law to receive full payment on 

the balance of its loan. In fact, our precedent is clear that a secured 

creditor is not required to file a claim at all, as “it will always be 

able to look to the underlying collateral to satisfy its lien.” Bateman, 331 F.3d at 827. So we are not persuaded that MCS’s arrearages-only claim changed the nature of its rights. Even though Bozeman paid MCS’s full arrearages claim through the Plan, MCS retains the right to receive the entire balance. The Code precludes 

in Dewsnup, the Supreme Court recognized historical precedent for modifying a creditor’s lien in “reorganization proceedings.” Dewsnup, 502 U.S. at 

418–19. But we are talking here about a primary-residential mortgage holder’s 

lien, which, as we’ve noted, is a right subject to the antimodification provision.

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the Plan from modifying the amount that MCS was entitled to under the primary residential mortgage. 

2. Bozeman’s full-payment Plan cannot modify MCS’s 

rights.

Bozeman insists that Bateman and Dukes have no bearing 

on the outcome here because they both concerned cure-and-maintain plans whereas Bozeman proceeded under a full-payment plan.

We disagree. In fact, Bozeman’s use of a full-payment plan further 

confirms that a release of MCS’s lien is improper. To explain why, 

we begin with the text and then discuss Bateman and Dukes specifically.

Chapter 13 permits debtors to structure their plans as a cureand-maintain plan or a full-payment plan. As we’ve noted, a cureand-maintain plan allows a debtor to pay off her arrearages and 

make separate monthly payments on her mortgage so she can 

avoid foreclosure. Green Tree Acceptance, Inc. v. Hoggle (In re 

Hoggle), 12 F.3d 1008, 1010 (11th Cir. 1994). In a full-payment 

plan, by contrast, a debtor can combine the arrearages she owes 

with the full outstanding balance of the loan to create a single 

monthly payment. See 11 U.S.C. § 1325(a)(5)(B). That way, after 

the debtor has made all her payments under the plan, she will have 

paid off the entire loan and satisfied the full amount of her obligation.

Here, Bozeman unambiguously elected to structure her 

Plan as a full-payment plan. And the Code supports her right to do 

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so, as cure-and-maintain plans are a permissible, but not mandatory, mechanism to structure long-term debt. In re Chappell, 984 

F.2d 775, 780 (7th Cir. 1993).11 But whatever the structure of her 

plan, the antimodification provision forbids modification of MCS’s 

substantive rights. 11 U.S.C. § 1322(b)(2). Therefore, absent an 

exception to the antimodification provision, Bozeman’s Plan could 

not modify MCS’s right to receive the full loan balance before 

MCS’s lien is released.

And here, no exception authorized Bozeman’s Plan’s attempt to modify MCS’s right to receive the remaining balance on 

the primary-residential mortgage before MCS’s lien could be released. Bozeman has identified no permissible exception, and the 

text of the Bankruptcy Code and precedent preclude our finding 

any. 

That is so because Nobelman suggests that we must find any

exception to the antimodification provision in the Code’s text. In 

Nobelman, for example, the Supreme Court “recognize[d] two instances in which the antimodification provision of § 1322(b)(2) 

does not apply.” Dukes, 909 F.3d at 1321. One includes

§ 1322(b)(5)’s authorization of cure-and-maintain plans, which are

“expressly exempted from the antimodification provision.” Id. (citing Nobelman, 508 U.S. at 330). Another is § 362’s automatic-stay 

provision, which “does not alter future rights or obligations.” Id.

11 “[T]he most common use by far” of cure-and-maintain plans “is to cure defaults on residential mortgages.” 8 Collier on Bankruptcy ¶ 1322.09[2].

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(citing Nobelman, 508 U.S. at 330). In other words, Congress has 

seen fit to create certain exceptions to the antimodification provision. But absent such a directive in the Code, the antimodification 

provision applies with full force.12

Turning to the situation in Bozeman’s case, we must conclude that no statutory exception spares a full-payment plan from 

the antimodification provision. Without an exception that the text 

authorizes, the antimodification provision controls. And it dictates 

that full-payment plans may not modify homestead-mortgage 

holders’ rights. So while Bozeman did have the option to structure 

her Plan as a full-payment plan instead of a cure-and-maintain plan, 

she could not use that full-payment plan to release MCS’s lien before MCS had received the entire benefit of its bargain. 

As we’ve explained, our decisions in Bateman and Dukes

confirm the protections that the antimodification provision requires be afforded to mortgage-holders’ rights. 

As an initial matter, neither Bateman nor Dukes purports to 

cabin itsreasoning to cases involving cure-and-maintain plans. And 

both cases held that the underlying bankruptcy plans would improperly modify the secured creditors’ rights if the liens were released before the entire balances were paid. Bateman, 331 F.3d at 

12 We have also recognized an additional express exception to the antimodification provision in § 1322(c)’s short-term exception. Am. Gen. Fin., Inc. v. 

Paschen (In re Paschen), 296 F.3d 1203, 1207 (11th Cir. 2002). But as we explained earlier, see supra at 15–16, § 1322(c) does not apply here. 

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832; Dukes, 909 F.3d at 1320. If that is true in the context of cureand-maintain plans, it must also be true in the context of full-payment plans. After all, no statutory basis authorizes full-payment 

plans to provide fewer protections to homestead mortgage holders’ rights than cure-and-maintain plans offer.

13 Nor are we aware 

of any statutory basis upon which full-payment plans can impose 

any modification on mortgage holder’s rights without their express 

agreement.

The Trustee argues that the factual distinction between 

cure-and-maintain plans and full-payment plans is “critical” because mortgage liens will always survive a cure-and-maintain plan, 

but a full-payment plan is designed to discharge all debts provided 

for in the plan. This misses the point. That a full-payment plan is 

designed to discharge all debts provided for in the plan does not 

change the fact that the antimodification provision precludes the 

modification of the homestead mortgage holder’s rights. Nor does

our decision prevent a debtor from using a full-payment plan to 

pay off her full mortgage balance, discharge her debt, and satisfy 

the corresponding lien. But to do so, the debtor must, in fact, use 

her full-payment plan to pay the full balance she owes. 

13 If anything, full-payment plans provide more protections to homestead 

mortgagees’ rights than cure-and-maintain plans since cure-and-maintain 

plans arise under § 1322(b)(5), which is “expressly exempted from the antimodification provision.” Dukes, 909 F.3d at 1321. 

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Bozeman seemingly knew this—her Plan proposed paying 

MCS $17,393.04 plus interest. But because of MCS’s arrearagesonly claim, Bozeman sought to satisfy the full scope of her obligation by paying only those arrearages and ignoring the remaining 

balance owed to MCS. But this maneuver purports to modify

MCS’s right to receive full payment before its lien is released, so 

the antimodification provision forbids it. If Bozeman had, in fact, 

used her full-payment plan to pay off the full balance she owed, 

releasing MCS’s lien at this stage would be entirely appropriate. 

In sum, Bozeman’s use of a full-payment plan instead of a 

cure-and-maintain plan does not alter our conclusion that her Plan 

purports to improperly modify MCS’s rights in violation of 

§ 1322(b)(2).

3. Espinosa did not abrogate Bateman.

Bozeman also argues that Bateman should not control here

because, in her view, the Supreme Court’s decision in United Student Aid Funds, Inc. v. Espinosa, 559 U.S. 260 (2010), “displaced the 

rationale in Bateman, to the extent that when a creditor has notice 

that a plan proposes to modify the rights of a creditor and the creditor fails to object to confirmation or timely appeal, the confirmed 

plan remains enforceable and binding on the creditor.” Appellee’s 

Br. at 10 (citing Espinosa, 559 U.S. at 275). We disagree. 

In Espinosa, a debtor sought to discharge the interest that 

had accrued on his student-loan debt. He did so even though he 

did not show “undue hardship” in an adversary proceeding—a 

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showing required to discharge certain student-loan debts. 559 U.S. 

at 263–64 (citing 11 U.S.C. §§ 523(a)(8), 1328; Fed. R. Bankr. P. 

7001(6)). The student-loan creditor received notice of the plan but 

did not object based on the debtor’s failure to show undue hardship 

or initiate an adversary proceeding. Id. at 265. And the bankruptcy 

court confirmed the debtor’s plan. Id. After the debtor completed 

payments on the principal he owed, the court discharged the accrued interest due the creditor. Id. at 265–66. Six years after the 

debt had been discharged (and ten years after the initial confirmation), the student-loan creditor filed a motion under Federal Rule 

of Civil Procedure 60(b)(4) seeking to set aside as void the bankruptcy court’s order confirming the plan. Id. at 266. 

The Supreme Court held the bankruptcy court’s confirmation order was not “void” under Rule 60(b)(4). It explained that 

“[a] judgment is not void . . . simply because it is or may have been 

erroneous,” and a Rule 60(b)(4) motion “is not a substitute for a 

timely appeal.” Id. at 270 (citations omitted). Instead, Espinosa

held that Rule 60(b)(4) applies only when an error that affects jurisdiction or that affects due process by depriving parties of notice occurs. Id. at 271. 

As we explain below, Espinosa has no bearing on the release 

of a lien after a confirmed plan erroneously modifies a homesteadmortgagee’s rights. And we do not read Espinosa as having abrogated Bateman for five reasons.

First, the Supreme Court expressly limited Espinosa’s holding to collateral challenges to confirmed Chapter 13 plans under 

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Federal Rule of Civil Procedure 60(b)(4). Espinosa, 559 U.S. at 269 

n.8 (“We express no view on the terms upon which other provisions of the Bankruptcy Rules may entitle a debtor or creditor to

postjudgment relief.”).14 Bozeman’s case does not arise in the context of a Rule 60(b)(4) motion, and that is an important difference 

for two reasons: (1) as we’ve noted, Espinosa expressly does not 

apply outside the Rule 60(b)(4) context; and (2) the practical difference between the procedural posture of a Rule 60(b)(4) motion and 

the situation in Bateman renders Espinosa’s reasoning inapplicable 

to the Bateman situation. 

We explain what we mean by this second reason in our second point: Bateman emerged in a significantly different procedural 

posture than Espinosa. In Espinosa, the creditor brought its Rule 

60(b)(4) motion challenging the discharge order ten years after the 

debtor’s plan had been confirmed and six years after his debt had 

been discharged. Espinosa, 559 U.S. at 265–66. In Bateman, by 

contrast, the creditor brought its challenge after plan confirmation 

but before the underlying debt had been discharged. See Bateman, 

331 F.3d at 823. So though the challenge was collateral in one sense 

14 In In re Le Centre on Fourth, LLC, we applied Espinosa to a bankruptcy 

dispute emerging outside the Rule 60(b) context. See Jackson v. LeCentre on 

Fourth, LLC (In re Le Centre on Fourth, LLC), 17 F.4th 1326, 1334 (11th Cir. 

2021). But in Le Centre, we relied on Espinosa for its holding concerning the 

notice due a creditor to satisfy due process. Id. (discussing Espinosa, 559 U.S. 

at 272). We did not consider or address Espinosa’s impact, if any, on the antimodification provision. 

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(as it related to the lawfulness of the plan), it was not in another (as 

it related to the amount of the debt to be discharged upon completion of the plan). The same is true here: though MCS did not object 

to Bozeman’s plan before confirmation, it timely objected to and 

appealed the bankruptcy court’s decision to release its lien. And 

unlike the creditor in Espinosa, MCS did not bring its challenge 

years after the fact under Rule 60(b)(4).

Third, a fair reading of Espinosa confirms that the Court was 

primarily concerned with the meaning of a “void” judgment under 

Rule 60(b)(4). The Court held that a judgment is “void” under that 

provision “only in the rare instance where a judgment is premised 

either on a certain type of jurisdictional error or on a violation of 

due process that deprives a party of notice or the opportunity to be 

heard.” 559 U.S. at 271. Espinosa went on to explain that neither 

such circumstance applied in that case, and it rejected the creditor’s 

arguments urging the Court to “expand the universe of judgment 

defects that support Rule 60(b)(4) relief.” Id. at 273. Even though 

the Court agreed with the creditor that the bankruptcy court made 

a legal error, the Court held that the error did not “render [the 

bankruptcy court’s] subsequent confirmation order void for purposes of Rule 60(b)(4).” Id. at 274. So at every opportunity, Espinosa discussed its holding in the context of Rule 60(b)(4) and the 

meaning of “void.” In short, the opinion did not purport to decide 

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more than the appropriate scope of Rule 60(b)(4) and the meaning 

of “void” when it discussed the effect of a confirmed plan.15

Fourth, our decision in Bateman did not rest on the premise 

that the plan there was unlawfully confirmed, and therefore, ripe 

for collateral attack. In fact, we specifically rejected that suggestion. See Bateman, 331 F.3d at 825 n.4 (“[W]hether the [p]lan was 

confirmed in violation of § 1322 or § 1325 is irrelevant to the disposition of this case, because the res judicata effect of § 1327 prohibits 

the collateral attack of a confirmed plan.”) (citation omitted). We 

went as far as to address and reject the creditor’s argument “that 

because the [p]lan did not meet the requisites of § 1325 . . . the 

[p]lan cannot be afforded res judicata effect under § 1327.” Id. at 

829. We even acknowledged that the “[p]lan was improperly confirmed because it conflicted with § 1322’s mandatory provisions,” 

and noted that “[h]ad [the creditor] objected to or appealed from 

the [p]lan’s confirmation, it would have prevailed without question, given the facts presented to us.” Id. at 830. Still, we held that 

because the creditor “did not do so,” it remained bound by § 1327. 

Id. In this sense, Bateman and Espinosa are at peace with each 

other (and with our decision here) in their recognition that 

15 Following its discussion of Rule 60(b)(4), Espinosa also considered the statutory requirements for confirming a plan that discharges student-loan debt. 

559 U.S. at 276–78 (discussing 11 U.S.C. §§ 523(a)(8), 1328(a)(2)). Neither this 

case nor Bateman involves § 523(a)(8) or § 1328(a)(2), so we do not address

Espinosa’s impact on the interpretation of those provisions.

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confirmed bankruptcy plans are immune from collateral attack, 

even if they were erroneously confirmed. 

Fifth, our decision in Dukes reaffirmed our holding in Bateman to prohibit discharge of homestead-mortgage debt if doing so 

would modify a creditor’s rights in violation of the antimodification provision—even though the plan erroneously provided for the 

discharge. Dukes, 909 F.3d at 1321 (citing Bateman, 331 F.3d at 

822); see also Hope v. Acorn Fin., Inc., 731 F.3d 1189, 1194 (11th 

Cir. 2013) (relying on Bateman after Espinosa). Because we decided Dukes after the Supreme Court issued Espinosa, even if we 

thought Espinosa compelled a different outcome, we would still be 

bound by Dukes. See Keohane v. Fla. Dep’t of Corr. Sec’y, 981 F.3d 

994, 1005 (11th Cir. 2020) (Rosenbaum, J., dissenting from the denial of rehearing en banc) (“[W]e have held that the prior-precedent

rule binds later panels even when the prior panel’s decision failed 

to mention controlling Supreme Court precedent and reached a 

holding in conflict with that precedent.”) (citing Smith v. GTE 

Corp., 236 F.3d 1292, 1302–03 (11th Cir. 2001)). 

At bottom, we are convinced that our decision in Bateman

remains intact after the Supreme Court’s decision in Espinosa. And 

as we explained earlier, Bateman requires us to conclude that releasing MCS’s lien would improperly modify its rights and therefore violate § 1322(b)(2).

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B. The finality provision does not override the antimodification provision to allow for the release of MCS’s lien after the 

bankruptcy court’s confirmation of Bozeman’s unlawful 

Plan. 

MCS’s challenge also raises the question of whether the res 

judicata effect of the confirmation order requires release of MCS’s 

lien. We hold it does not.

The Bankruptcy Code makes clear that confirmation of a 

plan carries real weight. Specifically, the Code mandates that “[t]he 

provisions of a confirmed plan bind the debtor and each creditor, 

whether or not the claim of such creditor is provided for by the 

plan, and whether or not such creditor has objected to, has accepted, or has rejected the plan.” 11 U.S.C. § 1327(a). The upshot 

of this provision is “[c]onfirmation has preclusive effect, foreclosing 

relitigation of any issue actually litigated by the parties and any issue necessarily determined by the confirmation order.” Bullard v. 

Blue Hills Bank, 575 U.S. 496, 502 (2015) (citation omitted). 

We have also explained that “[p]reclusion under § 1327 is 

somewhat harsher than common law preclusion” and that a confirmed plan “is given the same effect as any district court’s final 

judgment on the merits.” Bateman, 331 F.3d at 830; Wallis v. Justice Oaks II, Ltd. (In re Justice Oaks II, Ltd.), 898 F.2d 1544, 1550 

(11th Cir. 1990). A confirmed plan has this effect “even if the plan 

does not, by its terms, comply with the Bankruptcy Code.” Hope, 

731 F.3d at 1194.

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As we have explained, the Plan at issue here violated the antimodification provision. So it should not have been confirmed. 

As a reminder, the Plan impermissibly allowed Bozeman to pay 

only MCS’s arrearages claim and ignore the remaining balance Bozeman owed on her mortgage. But despite this error, because of 

the Code’s finality provision, Bozeman’s Plan retains preclusive effect and is therefore valid and enforceable.

We explored the importance of finality of confirmed plans 

in Bateman. There, although the creditor failed to object to a legally erroneous plan, it later filed a motion to dismiss the bankruptcy proceeding because the plan never should have been confirmed. 331 F.3d at 833. Though we agreed the plan should not 

have been confirmed, we rejected the argument that the bankruptcy proceeding should be dismissed for that reason. Id. We 

noted that the creditor had several opportunities to raise its objections to the plan before the plan was confirmed and obtained preclusive effect. Id. And we expressed concern that the prejudice 

associated with unwinding the plan “would far exceed the possible 

benefit.” Id.

For largely the same reasons, MCS cannot now complain 

about infirmities with the Plan. MCS had ample opportunity to 

participate in the underlying proceeding and file a timely amended 

claim with the full balance it was owed. MCS also could have objected to the Plan’s confirmation and argued that the Plan impermissibly modified its rights. And MCS should have noticed, far earlier than it did, that Bozeman’s Plan was structured as a fullUSCA11 Case: 21-10987 Document: 45-1 Date Filed: 01/10/2023 Page: 35 of 39
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payment plan rather than a cure-and-maintain plan. Not only did 

the Plan, by its own terms, indicate that it was a full-payment plan, 

but also MCS received only one monthly payment from Bozeman 

(as it would under a full-payment plan) rather than two monthly 

payments (as it would under a cure-and-maintain plan). Plus, the 

amount of that monthly payment did not equal the $454.00 

monthly payment that the Plan seemingly noted MCS was due.

But MCS’s errors do not change the fact that the Code still 

affords special protections to homestead-mortgage holders’ rights. 

So even though our cases have recognized the importance of finality, they have also said time and again that secured liens survive 

bankruptcy proceedings. Holloway v. John Hancock Mut. Life Ins. 

Co. (In re Holloway), 81 F.3d 1062, 1063 n.1 (11th Cir. 1996) (“[D]ischarges in bankruptcy do not affect liability in rem. Thus, liens on 

property remain enforceable after discharge unless avoidable under the Bankruptcy Code.”). In Bateman, for example, we held that 

the creditor’s secured lien “is unaffected by the Plan and survives 

the bankruptcy unimpaired.” 331 F.3d at 832. This conclusion 

flowed naturally from the overarching principle that “a secured 

creditor need not do anything during the course of the bankruptcy 

proceeding because it will always be able to look to the underlying 

collateral to satisfy its lien.”16 Id. at 827. 

16 We relied on the lien’s survival to demonstrate that the creditor will not 

face significant prejudice from the erroneously confirmed plan, nor will the 

debtor receive an unwarranted windfall. Bateman, 331 F.3d at 833. 

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We also reached a similar conclusion in In re Thomas, in 

which we held the creditor retained its lien on a mobile home even 

though the debtor’s interest was discharged through bankruptcy. 

Southtrust Bank of Ala., N.A. v. Thomas (In re Thomas), 883 F.2d 

991, 997 (11th Cir. 1990). And in Dukes, we suggested in dicta that, 

because of the antimodification provision, a creditor’s mortgage 

would “pass[] through the bankruptcy unaffected even though no 

proof of claim was filed.” 909 F.3d at 1322; see also SEC v. Wells 

Fargo Bank, N.A., 848 F.3d 1339, 1344 (11th Cir. 2017) (“In the 

bankruptcy context, a secured creditor’s lien remains intact 

through the bankruptcy, regardless of whether the creditor files a 

proof of claim.”).

Under our case law, then, we must hold that MCS’s lien survived Bozeman’s bankruptcy. Based on the terms of the mortgage

and Alabama law, MCS had the substantive right to collect the full 

balance it lent to Bozeman as well as the right to hold its lien on 

the property as collateral until the debt had been paid. And under 

the antimodification provision, Bozeman’s Plan could not legally 

modify those rights. 

Although MCS did not timely object to the Plan’s confirmation or appeal the discharge of Bozeman’s debt, MCS did oppose 

Bozeman’s motion to release its lien, and it timely appealed the 

bankruptcy court’s order granting her motion. And because releasing MCS’s lien before MCS receives full payment would impermissibly modify MCS’s rights, MCS’s lien must survive the bankruptcy 

proceeding. While the finality provision confirms that it is too late 

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to alter the Plan, it is not too late for MCS to invoke the Code’s 

special protection for homestead mortgagees. 

Our decision here follows directly from Bateman. In that 

case, we acknowledged that the creditor should have raised its challenges earlier and that, if it had, the erroneous plan would not have

been confirmed. 331 F.3d at 833. And the creditor’s failure carried

consequences, as we rejected the creditor’s motion to dismiss the 

debtor’s plan, holding that the plan remained valid and enforceable. Id. Still, though, we held that the creditor’s secured claim 

could not be satisfied until the debtor paid the entire claim amount 

because “to permit otherwise would deny the effect of 11 U.S.C. 

§ 1322(b)(2), which, in effect, prohibits modifications of secured 

claims for mortgages on a debtor’s principal residence.” Id. at 822.

The same is true here. MCS should have raised its challenges earlier, and it could have prevented confirmation of Bozeman’s Plan. But we cannot hold that MCS’s lien on the property

can be deemed satisfied because the antimodification provision 

protects MCS’s right to receive full recovery, regardless, and MCS 

has raised a timely challenge to the order releasing its lien.17

IV. 

We hold that release of MCS’s lien before its loan had been 

repaid in full violates § 1322(b)(2)’s antimodification clause. Until

17 Our opinion expressly does not consider a case in which a creditor belatedly 

seeks relief from an order releasing its lien.

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21-10987 Opinion of the Court 39

MCS is paid in full, its lien remains intact, and the Bankruptcy 

Code’s finality provision does not change that fact.18

REVERSED AND REMANDED.

18 Because MCS did not appeal the bankruptcy court’s decision to discharge 

Bozeman from bankruptcy, we do not consider or disturb that decision.

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