The secured creditor has the following rights in relation to debtors: Creditors have the right to receive value equal to the debt in case of the security agreement and a judgment lien. Creditors are able to stop debtors from using cash collateral. They can collect assets from a trustee’s use as well. Creditors can ask the court to determine the replacement value. This procedure is required if the replacement value cannot be determined by debtors and creditors informally. Creditors have a right to ask for the reorganization plan and the debt paying off in case of the debtor’s bankruptcy.