The bankruptcy court properly approved the Chapter 13 plan in this case which stripped and modified plaintiff’s lien on the bankrupt’s home. After Nobelman v. American Savings Bank (1993) 113 S.Ct. 2106, Congress added subsection (c)(2) to 11 U.S.C. 1322, creating an exception to the rule that debts secured by a lien on the debtor’s principal residence cannot be modified by a Chapter 13 plan. The exception allows modification of a debt secured by a lien on the principal residence if the debt is to be repaid during the term of the Chapter 13 plan. The decision holds that the exception allows any otherwise permitted modification of such a debt, not just the payment schedule. So the plan properly was based on stripping the debt. The decision also holds that the bankruptcy court did not err in holding the debtors were eligible for Chapter 13, though their original schedules showed they owed more than the legal limit of unsecured debt. The creditor did not raise that objection until seven months in at which point the bankruptcy court had revalued the property, thus reducing the unsecured claims to below the legal limit. The plan was also feasible since the live-in parents agreed to pay sufficient rent to give the debtors the income they needed to make the payments the Chapter 13 plan required.