The following rules shall apply with respect to the valuation of collateral in chapter 13 cases.

          (a)     Debtor's Duty to Make Property Available for Appraisal. Unless otherwise ordered by the court, within ten days of a written request by a party in interest, the debtor must make available any item of personalty for appraisal. The appraisal shall be conducted at the debtor's residence absent specific contrary agreement of the parties. It shall be the affirmative duty of the debtor to contact the party in interest requesting the appraisal to arrange for the appraisal or to seek a protective order.

          (b)     Failure to Appear at Valuation Hearing. Unless otherwise determined by the court, if the debtor appears but the creditor fails to appear at any valuation hearing, the court may find that the value of the collateral is as set forth in the debtor's schedules. If an objecting creditor appears at a valuation hearing and the debtor fails to appear, the court may find the value of the collateral is the value as appraised by the creditor.

          (c)     Treatment of Certain Undersecured Claims. In the absence of a court order, a secured claim involving personalty that is undersecured by more than $2,000 shall be paid the value of the collateral through the plan by the chapter 13 trustee, with the remaining balance to be paid through the plan as a general unsecured debt. Nothing in this subsection shall be construed as preventing a debtor from proposing a plan to pay any secured claim through the plan whether oversecured or undersecured.