BK13, pay 400/mo. for 4 yrs and balance at end?

[catleg]

Are you in ch13 because of the house payment or because of unsecureds?
Sounds like you are saying the house is potentially worth 300k with a 75k loan.
That isn't really a ch7 situation. Is the problem because the 75k loan is due within the 5 years of the plan, therefore, no way to afford the payments?
Maybe living for 4 years with the safety of the $400 payments buys time for things to get better.