There are four methods of dealing with a secured creditor under Chapter 13: (1) they may accept the proposed plan, (2) they may be allowed to retain their lien and be paid the full amount of their secured claim under the plan, (3) their collateral may be surrendered to them, or (4) they may be dealt with outside the plan. If the debtor is in default to a secured creditor, the default must be cured (made current) within a reasonable time. Also, interest must be paid on secured debts.