‘‘While a case is pending, no fee, costs, or charges may 
be added to a debt that is provided for in a chapter 13 
plan and is secured by the debtor’s principal residence un-
less the holder of the secured claim gives timely notice of 
such fee, costs, or charge to the debtor and to the trust-
ee.’’. 
SEC. 3. LIMITATION OF 1978 EXEMPTION THAT PREVENTS 
FEDERAL BANKRUPTCY COURTS FROM MAK-
ING MODIFICATIONS TO THE TERMS OF A 
MORTGAGE ON A DEBTOR’S PRINCIPAL RESI-
DENCE. 
Section 1322(b)(2) of title 11, United States Code, 
is amended by striking ‘‘, other than a claim secured only 
by a security interest in real property that is the debtor’s 
principal residence,’’. 
SEC. 4. MODIFICATION OF CLAIMS SECURED BY DEBTOR’S 
PRINCIPAL RESIDENCE. 
(a) CONTENTS OF PLAN.—Section 1322(b) of title 
11, the United States Code, is amended— 
(1) in paragraph (10) by striking ‘‘and’’ at the 
end, 
(2) by redesignating paragraph (11) as para-
graph (12), and 
(3) by inserting after paragraph (10) the fol-
lowing: 
VerDate Aug 31 2005 
21:58 Sep 21, 2007
Jkt 059200
PO 00000
Frm 00002
Fmt 6652
Sfmt 6201
E:\BILLS\H3609.IH
H3609
mstockstill on PROD1PC66 with BILLS
‘‘(11) provide for payment of allowed claims se-
cured by the debtor’s principal residence consistent 
with section 1325(a)(5), over a period exceeding the 
period permitted under section 1322(d); and’’. 
(b) CONFIRMATION OF PLAN.—Section 1325(b)(5) of 
title 11, the United States Code, is amended by inserting 
‘‘except as otherwise provided in section 1322(b),’’ after 
‘‘(5)’’. 
SEC. 5. ELIMINATION OF CREDIT COUNSELING REQUIRE-
MENT FOR CHAPTER 13 DEBTORS FACING 
FORECLOSURE. 
Section 109(h) of title 11, United States Code, is 
amended by adding at the end the following: 
‘‘(5) The requirements of paragraph (1) shall not 
apply with respect to a debtor in a case under chapter 
13 who submits to the court a certification that the holder 
of a claim secured by the debtor’s principal residence has 
initiated a judicial or non-judicial foreclosure on the debt-
or’s principal residence.’’. 
SEC. 6. CONFIRMATION OF PLAN. 
Section 1325(a) of title 11, the United States Code, 
is amended— 
(1) in paragraph (8) by striking ‘‘and’’ at the 
end, 
VerDate Aug 31 2005 
21:58 Sep 21, 2007
Jkt 059200
PO 00000
Frm 00003
Fmt 6652
Sfmt 6201
E:\BILLS\H3609.IH
H3609
mstockstill on PROD1PC66 with BILLS
(2) in paragraph (9) by striking the period at 
the end and inserting ‘‘; and’’, and 
(3) by inserting after paragraph (9) the fol-
lowing: 
‘‘(10) notwithstanding paragraph (5)(B)(i)(I), 
the holder of a claim that is paid pursuant to section 
1322(b)(11) shall retain the lien securing such claim 
until payment of such claim.’’. 
SEC. 7. DISCHARGE. 
Section 1328 of title 11, the United States Code, is 
amended— 
(1) in subsection (a)— 
(A) by inserting ‘‘(other than payments to 
holders of allowed claims provided for under 
section 1322(b)(11)’’ after ‘‘paid’’ the 1st place 
it appears, and 
(B) in paragraph (1) by inserting ‘‘or 
1322(b)(11)’’ after ‘‘1322(b)(5)’’, and 
(2) in subsection (c)(1) by inserting ‘‘or 
1322(b)(11)’’ after ‘‘1322(b)(5)’’. 
Æ 
VerDate Aug 31 2005 
21:58 Sep 21, 2007
Jkt 059200
PO 00000
Frm 00004
Fmt 6652
Sfmt 6301
E:\BILLS\H3609.IH
H3609
mstockstill on PROD1PC66 with BILLS