2025 Session Last amended: 2024 session

§ 336.9-621 — Notification of Proposal to Accept Collateral

Plain-Language Summary

This section lists who a secured party must notify when it wants to accept collateral in full or partial satisfaction of the debt. The secured party must send its proposal to anyone who gave signed notice of a claim to the collateral and to other secured parties or lienholders who, ten days before the debtor consented, held a perfected interest in that collateral. If the secured party is accepting the collateral in only partial satisfaction, it must also send the proposal to any secondary obligor (such as a guarantor).

Practical Notes
Before a lender can keep your collateral to settle the debt, it has to notify other creditors who have a recorded interest in that property, and any guarantor if the lender is keeping it for only partial credit toward the debt.