Consumer Bankruptcy Law and Practice: 11.6.1.3.3.1 Lien retention and present value of payments—the chapter 13 cramdown
The most complicated provision is the second, which deals with retention of the property when the creditor does not consent to the plan. To meet this standard, the plan must specifically provide that the creditor retains a lien, that is, that the creditor will continue to have priority rights to the property subject to the lien.316 However, some of the rights usually associated with the lien are necessarily limited by chapter 13, such as the right to repossess.