In a Chapter 11 bankruptcy case, it is possible for the court to force a secured creditor to reduce or change the loan plan or due date in a restructuring plan. This is particularly useful for debtors who own property that is not their primary residence, such as a rental property. In these cases, the court can authorize the rewriting of the loan at a more favorable interest rate and restructuring the repayment term to stretch it out over a longer period of time.