; and (B) the modification is approved after notice and a hearing. (2) A modification under paragraph (1) may include extending the period of time for payments on claims not later than 7 years after the date on which the first payment under the original confirmed plan was due. (3) Sections 1322(a), 1322(b), 1323(c), and the requirements of section 1325(a) shall apply to any modification under paragraph (1). . (d) Applicability (1) The amendments made by subsections (a) and (b) shall apply to any case commenced before, on, or after the date of enactment of this Act. (2) The amendment made by subsection (c) shall apply to any case for which a plan has been confirmed under section 1325 of title 11, United States Code, before the date of enactment of this Act. 111. Debt collection (a) Temporary debt collection moratorium during the COVID-19 emergency period (1) In general The Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq.) is amended by inserting after section 812 the following: 812A. Temporary debt collection moratorium during the COVID-19 emergency period (a) Definitions In this section: (1) Consumer The term consumer means any natural person obligated or allegedly obligated to pay any debt. (2) COVID-19 emergency period The term COVID-19 emergency period means the period that begins upon the date of the enactment of this Act and ends upon the date of the termination by the Federal Emergency Management Administration of the emergency declared on March 13, 2020, by the President under the Robert T. Stafford Disaster Relief and Emergency Assistance Act ( 42 U.S.C. 4121 et seq.) relating to the Coronavirus Disease 2019 (COVID-19) pandemic. (3) Creditor The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed or other obligation of payment. (4) Debt The term debt — (A) means any past due obligation or alleged obligation of a consumer, non-profit organization, or small business to pay money— (i) arising out of a transaction in which the money, property,