the debtors to pay attorneys’ fees associated with collecting any default. These charges also have not been paid by the debtors. Thus, while the debtors have resumed making their monthly payments, it is unquestionable that the debtors remain in default on their obligation. Clearly, there is a factual distinction between Belanger and the instant case. American National Bank contends that this distinction is sufficient to remove the instant ease from the purview of Belanger. The Bank argues that because of the default in this case the debtors must either reaffirm their obligation or redeem the debt in order to retain the collateral under § 521(2). I agree with American National Bank that the holding in Belanger is not directly applicable to the instant case. See Boodrow, 126 F.3d at 48 (<HOLDING>); Johnson, 89 F.3d at 251 (“The Fourth Circuit
holding that where parties to an oral loan agreed that the loan would be repaid on demand the statute of limitations did not begin to run until the date plaintiff demanded repayment of the loan recognizing that belanger applies to debtors who are current on a loan holding that  1322b2 prohibits modification of the interest rate on the loan on the debtors principal residence holding that the guarantor of debtors loan is a creditor by virtue of his right to reimbursement from debtor holding that consideration for guaranty of loan previously made was that guarantors friend the bank manager who issued the loan would not lose his job for making a bad loan