The main reason people file under Chapter Thirteen is to save their home and other assets. The reason that works is you're proposing in a Chapter Thirteen, a payment plan that allows you to pay back arrearages on a home, that allows you to keep the home.

It allows you to keep assets that you would otherwise lose in a Chapter Seven because you're agreeing to pay back a certain amount of money to your unsecured creditors, so Chapter Thirteen is a great tool to still eliminate debt, but preserve your assets.