Absent the stay, the creditor could foreclose on collateral and reinvest the proceeds in an interest earning investment. Absent relief from the stay, a secured creditor is precluded from foreclosure and reinvestment. Moreover, under Bankr. Code 502 and 506, the claims of the undersecured creditor (a secured claim to the extent of the value of its interest in the collateral and an unsecured claim for the balance of the debt) will be fixed without recognition of any interest that might otherwise be said to accrue on the claim between the time of the filing of the petition and the confirmation of a plan of reorganization. Thus, the undersecured creditor gets no interest on its claim pending confirmation of a plan and cannot foreclose to earn interest through reinvestment.