§ 9-610. DISPOSITION OF COLLATERAL AFTER DEFAULT. 處分擔保物在違約后.

　　(a) [Disposition after default.]

　　After default, a secured party may sell, lease, license, or otherwise dispose of any or all of the collateral in its present condition or following any commercially reasonable preparation or processing.

　　(b) [Commercially reasonable disposition.]

　　Every aspect of a disposition of collateral, including the method, manner, time, place, and other terms, must be commercially reasonable. If commercially reasonable, a secured party may dispose of collateral by public or private proceedings, by one or more contracts, as a unit or in parcels, and at any time and place and on any terms.

　　(c) [Purchase by secured party.]

　　A secured party may purchase collateral:

　　(1) at a public disposition; or

　　(2) at a private disposition only if the collateral is of a kind that is customarily sold on a recognized market or the subject of widely distributed standard price quotations.

　　(d) [Warranties on disposition.]

　　A contract for sale, lease, license, or other disposition includes the warranties relating to title, possession, quiet enjoyment, and the like which by operation of law accompany a voluntary disposition of property of the kind subject to the contract.

　　(e) [Disclaimer of warranties.]

　　A secured party may disclaim or modify warranties under subsection (d):

　　(1) in a manner that would be effective to disclaim or modify the warranties in a voluntary disposition of property of the kind subject to the contract of disposition; or

　　(2) by communicating to the purchaser a record evidencing the contract for disposition and including an express disclaimer or modification of the warranties.

　　(f) [Record sufficient to disclaim warranties.]

　　A record is sufficient to disclaim warranties under subsection (e) if it indicates "There is no warranty relating to title, possession, quiet enjoyment, or the like in this disposition" or uses words of similar import.

　　(a) [處分在違約后

　　在違約后，在其現(xiàn)有情況下，擔保權(quán)人可以出售、出租、許可，或以其他方式處分任何或全部擔保物，或遵循任何商業(yè)上合理的準備或處理。

　　(b) [商業(yè)上合理的處分

　　處分擔保物的每個方面，包括方法、方式、時間、地點和其他條款，必須是商業(yè)上合理的。若商業(yè)上合理，擔保權(quán)人可以處分擔保物通過公開或私下進行，通過一個或更多合同，以一個單位或單元，并在任何時間和地點以及任何條款。

　　(c) [擔保權(quán)人購買

　　擔保權(quán)人可以購買擔保物：

　　(1) 在公開處分中;或

　　(2) 在私下處分中，僅當該擔保物是習慣上在公認的市場出售的那種，或是廣泛分布的標準價格報價的標的。

　　(d) [對處分的保證

　　買賣、租賃、許可合同或其他處分，包括涉及所有權(quán)、占有、平靜行使、以及通過法律實施，伴隨作為該合同標的的財產(chǎn)的自愿處分的擔保。

　　(e) [擔保的放棄

　　擔保權(quán)人可以放棄或修正在(d)款下的擔保：

　　(1) 以這樣一個方式，即放棄或變更對處分合同的標的那種財產(chǎn)的自愿處分中的擔保的方式;或

　　(2) 通過傳輸給買方一份檔案，該檔案證明該處分合同，包括該擔保的明示放棄或變更。

　　(f) [足以放棄擔保的檔案

　　一份檔案對于放棄在(e)款下的擔保為充分，若其指出沒有涉及所有權(quán)、占有、平靜行使、以及通過法律實施，伴隨作為該合同標的的財產(chǎn)的自愿處分的擔保或使用類似含義的詞語。

　　§ 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

　　在處分擔保物前通知.

　　(a) ["Notification date."]

　　In this section, "notification date" means the earlier of the date on which:

　　(1) a secured party sends to the debtor and any secondary obligor an authenticated notification of disposition; or

　　(2) the debtor and any secondary obligor waive the right to notification.

　　(b) [Notification of disposition required.]

　　Except as otherwise provided in subsection (d), a secured party that disposes of collateral under Section 9-610 shall send to the persons specified in subsection (c) a reasonable authenticated notification of disposition.

　　(c) [Persons to be notified.]

　　To comply with subsection (b), the secured party shall send an authenticated notification of disposition to:

　　(1) the debtor;

　　(2) any secondary obligor; and

　　(3) if the collateral is other than consumer goods:

　　(A) any other person from which the secured party has received, before the notification date, an authenticated notification of a claim of an interest in the collateral;

　　(B) any other secured party or lienholder that, 10 days before the notification date, held a security interest in or other lien on the collateral perfected by the filing of a financing statement that:

　　(i) identified the collateral;

　　(ii) was indexed under the debtor's name as of that date; and

　　(iii) was filed in the office in which to file a financing statement against the debtor covering the collateral as of that date; and

　　(C) any other secured party that, 10 days before the notification date, held a security interest in the collateral perfected by compliance with a statute, regulation, or treaty described in Section 9-311(a).

　　(d) [Subsection (b) inapplicable: perishable collateral; recognized market.]

　　Subsection (b) does not apply if the collateral is perishable or threatens to decline speedily in value or is of a type customarily sold on a recognized market.

　　(e) [Compliance with subsection (c)(3)(B).]

　　A secured party complies with the requirement for notification prescribed by subsection (c)(3)(B) if:

　　(1) not later than 20 days or earlier than 30 days before the notification date, the secured party requests, in a commercially reasonable manner, information concerning financing statements indexed under the debtor's name in the office indicated in subsection (c)(3)(B); and

　　(2) before the notification date, the secured party:

　　(A) did not receive a response to the request for information; or

　　(B) received a response to the request for information and sent an authenticated notification of disposition to each secured party or other lienholder named in that response whose financing statement covered the collateral.

　　(a) ["通知日期

　　在本條中，通知日期指下列日期早期：

　　(1) 擔保權(quán)人發(fā)送一份經(jīng)鑒別的處分通知給債務人和任何次債務人;或

　　(2) 債務人和任何次債務人放棄對通知的權(quán)利。

　　(b) [被要求的處分通知

　　除非(d)款另有規(guī)定，在§9-610下處分擔保物的擔保權(quán)人應當發(fā)送合理的經(jīng)鑒別的處分通知給(c)款下指定的人。

　　(c) [應被通知的人

　　按照(b)款要求，擔保權(quán)人應當發(fā)送經(jīng)鑒別的處分通知給：

　　(1) 債務人;

　　(2) 任何次債務人;及

　　(3) 若擔保物是除消費者貨物外：

　　(a) 在通知日之前，擔保權(quán)人已經(jīng)從其處收到主張擔保物中權(quán)益的經(jīng)鑒別的通知的任何其他人;

　　(b) 在通知日期之前10日，持有通過融資申明書的登記完善的在擔保物上的擔保權(quán)益或其他留置權(quán)的任何其他擔保權(quán)人或留置權(quán)持有人：

　　(i) 確定該擔保物;

　　(ii) 在該債務人的名義下，在該日期索引;及

　　(iii) 在該日期，對于債務人，登記包含該擔保物的融資申明書的辦事處登記;及

　　(c) 在通知日期之前10日，持有依照§9-311(a)規(guī)定的法令、規(guī)章、或條約完善的擔保物中的擔保權(quán)益的任何其他擔保權(quán)人。

　　(d) [(b)款不可適用：容易腐爛的擔保物;公認的市場

　　(b)款不適用若擔保物容易腐爛或其價值可能急劇減損，或者，屬于習慣上在公認市場出售的類型。

　　(e) [遵照

　　擔保權(quán)人符合(c)(3)(b)規(guī)定的通知的要求，若：

　　(1) 不遲于20日或早于30日在通知日期之前，擔保權(quán)人要求，以商業(yè)上合理的方式，關(guān)于在債務人的名義下在§(c)(3)(b)指出的辦事處索引的融資申明書的信息;及

　　(2) 在通知日期之前，擔保權(quán)人：

　　(a) 未收到對該信息請求的反饋;或

　　(b) 收到對該信息請求的反饋和發(fā)送一份經(jīng)鑒別的處分通知給每個擔保權(quán)人，或在該反饋中指定的其他留置權(quán)持有人，其融資申明書包含擔保物。

　　§ 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

　　在處分擔保物之前的通知的及時性.

　　(a) [Reasonable time is question of fact.]

　　Except as otherwise provided in subsection (b), whether a notification is sent within a reasonable time is a question of fact.

　　(b) [10-day period sufficient in non-consumer transaction.]

　　In a transaction other than a consumer transaction, a notification of disposition sent after default and 10 days or more before the earliest time of disposition set forth in the notification is sent within a reasonable time before the disposition.

　　(a) [合理的時間是事實問題

　　除非(b)款另有規(guī)定，通知是否在合理的時間內(nèi)發(fā)送是事實問題。

　　(b) [在非消費者交易中10日期間充分

　　在除消費者交易外的交易中，處分通知在違約后發(fā)送，以及在該通知中提出的處分最早時間之前10日以上發(fā)送的，是在處分之前的合理時間之內(nèi)發(fā)送。

　　§ 9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL: GENERAL.

　　在處分擔保物前通知的內(nèi)容和形式: 一般.

　　Except in a consumer-goods transaction, the following rules apply:

　　(1) The contents of a notification of disposition are sufficient if the notification:

　　(A) describes the debtor and the secured party;

　　(B) describes the collateral that is the subject of the intended disposition;

　　(C) states the method of intended disposition;

　　(D) states that the debtor is entitled to an accounting of the unpaid indebtedness and states the charge, if any, for an accounting; and

　　(E) states the time and place of a public disposition or the time after which any other disposition is to be made.

　　(2) Whether the contents of a notification that lacks any of the information specified in paragraph (1) are nevertheless sufficient is a question of fact.

　　(3) The contents of a notification providing substantially the information specified in paragraph (1) are sufficient, even if the notification includes: (A) information not specified by that paragraph; or (B) minor errors that are not seriously misleading.

　　(4) A particular phrasing of the notification is not required.

　　(5) The following form of notification and the form appearing in Section 9-614(3), when completed, each provides sufficient information:

　　NOTIFICATION OF DISPOSITION OF COLLATERAL

　　To: [Name of debtor, obligor, or other person to which the notification is sent]

　　From: [Name, address, and telephone number of secured party]

　　Name of Debtor(s): [Include only if debtor(s) are not an addressee]

　　[For a public disposition:]

　　We will sell [or lease or license, as applicable] the [describe collateral] [to the highest qualified bidder] in public as follows:

　　Day and Date: ________

　　Time: ________

　　Place: ________

　　[For a private disposition:]

　　We will sell [or lease or license, as applicable] the [describe collateral] privately sometime after [day and date].

　　You are entitled to an accounting of the unpaid indebtedness secured by the property that we intend to sell [or lease or license, as applicable] [for a charge of $ ________].

　　You may request an accounting by calling us at [telephone number]

　　[End of Form]

　　除生活消費品交易中，下列規(guī)則適用：

　　(1) 處分通知的內(nèi)容為充分，若該通知：

　　(a) 描述債務人和擔保權(quán)人;

　　(b) 描述作為打算處分的標的物的擔保物;

　　(c) 規(guī)定打算處分的方法;

　　(d) 規(guī)定債務人對未支付的債務的應收賬款享有權(quán)利，若有，并規(guī)定應收賬款的費用;及

　　(e) 規(guī)定公開處分的時間和地點或其后任何其他處分將被作出的時間。

　　(2) 通知的內(nèi)容缺乏(1)段規(guī)定的任何信息的，是否仍然充分，是一個事實問題。

　　(3) 充分規(guī)定(1)段指定的信息的通知之內(nèi)容為充分，即使該通知包括：(a)該段未指定的信息;或(b)不嚴重引人誤解的次要錯誤。

　　(4) 通知的特定措辭不被要求。

　　(5) 通知下列格式和§9-614(3)規(guī)定的格式，當完成時，每一個提供充分的信息：

　　處分擔保物的通知

　　至：[債務人、義務人、或通知發(fā)送給的其他人的名稱

　　自：[擔保權(quán)人的名稱、地址和電話號碼

　　債務人的名稱: [僅當債務人不是收件人包括

　　[公開處分：]

　　我們將出售[或出租或許可，按需要適用][描述擔保物] [予最高價競買人] 公開如下：

　　期日和期間： ________

　　時間：________

　　地點： ________

　　[私下處分：]

　　我們將出售[或出租或許可，按需要適用][描述擔保物私下的時間在[期日和期間之后。

　　你對于我們打算出售 [或出租或許可，按需要適用]的財產(chǎn)所擔保的未支付的債務的應收賬款享有權(quán)利[收取費用為$ ________]。

　　你可以要求應收賬款通過致電我們[電話號碼

　　[格式結(jié)束]

　　§ 9-614. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL: CONSUMER-GOODS TRANSACTION.

　　在處分擔保物之前的通知的內(nèi)容和格式: 生活消費品交易。

　　In a consumer-goods transaction, the following rules apply:

　　(1) A notification of disposition must provide the following information:

　　(A) the information specified in Section 9-613(1);

　　(B) a description of any liability for a deficiency of the person to which the notification is sent;

　　(C) a telephone number from which the amount that must be paid to the secured party to redeem the collateral under Section 9-623 is available; and

　　(D) a telephone number or mailing address from which additional information concerning the disposition and the obligation secured is available.

　　(2) A particular phrasing of the notification is not required.

　　(3) The following form of notification, when completed, provides sufficient information:

　　[Name and address of secured party ]

　　[Date ]

　　NOTICE OF OUR PLAN TO SELL PROPERTY

　　[Name and address of any obligor who is also a debtor ]

　　Subject: [Identification of Transaction ]

　　We have your [describe collateral ], because you broke promises in our agreement.

　　[For a public disposition: ]

　　We will sell [describe collateral] at public sale. A sale could include a lease or license. The sale will be held as follows:

　　Date: _____

　　Time: _____

　　Place: _____

　　在生活消費品交易中，下列規(guī)則適用：

　　(1) 處分通知必須規(guī)定下列信息：

　　(a) §9-613(1)指定的信息;

　　(b) 通知被發(fā)送給的人的缺乏之責任的描述;

　　(c) 必須支付給擔保權(quán)人以贖回在§9-623下的擔保物的金額可從其獲取的電話號碼;及

　　(d) 關(guān)于處分和被擔保的債務的附加說明可從其獲取的電話號碼或郵發(fā)地址。

　　(2) 通知不要求特定的措辭。

　　(3) 通知的下列格式，當完成時，規(guī)定充分的信息：

　　[擔保權(quán)人的名稱和地址

　　[日期

　　我們出售財產(chǎn)的計劃之通知

　　[任何債務人作為義務人的債務人的名稱和地址

　　標的：[交易性質(zhì)

　　我們享有你的[描述擔保物，因為你破壞了你協(xié)議中的承諾。

　　[公開處分: ]

　　我們將拍賣[描述擔保物 。買賣可以包括租賃和許可。該買賣將被持有如下：

　　日期：_____

　　時間：_____

　　地點：_____

　　You may attend the sale and bring bidders if you want.

　　[For a private disposition: ]

　　We will sell [describe collateral] at private sale sometime after [date]. A sale could include a lease or license.

　　The money that we get from the sale (after paying our costs) will reduce the amount you owe. If we get less money than you owe, you [will or will not, as applicable] ] still owe us the difference. If we get more money than you owe, you will get the extra money, unless we must pay it to someone else.

　　You can get the property back at any time before we sell it by paying us the full amount you owe (not just the past due payments), including our expenses. To learn the exact amount you must pay, call us at [telephone number ] ].

　　If you want us to explain to you in writing how we have figured the amount that you owe us, you may call us at " [telephone number ] ] [or write us at [secured party's address] ] and request a written explanation. [We will charge you $ _____ ] and request a written explanation. [We will charge you for the explanation if we sent you another written explanation of the amount you owe us within the last six months.]

　　If you need more information about the sale call us at [telephone number] ] [or write us at [secured party's address] ].

　　We are sending this notice to the following other people who have an interest in [describe collateral] or who owe money under your agreement:

　　[Names of all other debtors and obligors, if any]

　　[End of Form]

　　(4) A notification in the form of paragraph (3) is sufficient, even if additional information appears at the end of the form.

　　(5) A notification in the form of paragraph (3) is sufficient, even if it includes errors in information not required by paragraph (1), unless the error is misleading with respect to rights arising under this article.

　　(6) If a notification under this section is not in the form of paragraph (3), law other than this article determines the effect of including information not required by paragraph (1).

　　你可以出席該買賣并出價，若你愿意。

　　[私下處分：]

　　我們將出售[描述擔保物 在[日期之后的私下的時間。買賣可以包括租賃和許可。

　　我們從該買賣中得到的金錢(在支付我們的費用之后) 將減少你所負債務的金額。若我們得到比你所欠更少的金額，你[將或不將 ]還欠我們差額。若我們所得金錢多余你所欠，你將得到額外的錢，處分我們必須把它支付給別的人。

　　在我們出賣之前，你可以收回該財產(chǎn)，通過向我們支付你所欠全部金額 (不止過期付款)，包括我們的費用。欲知你所欠的額外金額，聯(lián)系我們[電話號碼 ]。

　　若你需要我們書面說明我們怎樣計算你所欠金額，你可以聯(lián)系我們[電話號碼 ] ] [或致信我們[擔保權(quán)人的地址 ]并要求書面說明。[我們將收費$ _____ 對該說明，若我們在最后六個月內(nèi)發(fā)送給你一份你所欠金額的其他的書面說明.]

　　若你需要更多關(guān)于該買賣的信息，聯(lián)系我們[電話號碼 ] [或致信我們[擔保權(quán)人的 ]。

　　你將發(fā)送本通知給下列其他人，即在[描述擔保物上享有權(quán)益的人，或在你的協(xié)議下負債的人：

　　[所有其他債務人和義務人的名稱，若有的話

　　[格式結(jié)束]

　　(4) (3)段形式的通知為充分，即使附加說明出現(xiàn)在其形式的末尾。

　　(5) (3)段形式的通知為充分，即使其包括(1)段不要求的信息的錯誤，除非該錯誤關(guān)于產(chǎn)生于本篇的權(quán)利是令人誤導性的。

　　(6) 若在本條下的通知不是(3)段規(guī)定的格式，除本篇外的法律決定其效力，包括(1)段不要求的信息。

　　§ 9-615. APPLICATION OF PROCEEDS OF DISPOSITION; LIABILITY FOR DEFICIENCY AND RIGHT TO SURPLUS.

　　5.處分之收益的適用;因不足而應承擔的責任和對盈余的權(quán)利。

　　(a) [Application of proceeds.]

　　A secured party shall apply or pay over for application the cash proceeds of disposition in the following order to:

　　(1) the reasonable expenses of retaking, holding, preparing for disposition, processing, and disposing, and, to the extent provided for by agreement and not prohibited by law, reasonable attorney's fees and legal expenses incurred by the secured party;

　　(2) the satisfaction of obligations secured by the security interest or agricultural lien under which the disposition is made;

　　(3) the satisfaction of obligations secured by any subordinate security interest in or other subordinate lien on the collateral if:

　　(A) the secured party receives from the holder of the subordinate security interest or other lien an authenticated demand for proceeds before distribution of the proceeds is completed; and

　　(B) in a case in which a consignor has an interest in the collateral, the subordinate security interest or other lien is senior to the interest of the consignor; and

　　(4) a secured party that is a consignor of the collateral if the secured party receives from the consignor an authenticated demand for proceeds before distribution of the proceeds is completed.

　　(b) [Proof of subordinate interest.]

　　If requested by a secured party, a holder of a subordinate security interest or other lien shall furnish reasonable proof of the interest or lien within a reasonable time. Unless the holder does so, the secured party need not comply with the holder's demand under subsection (a)(3).

　　(c) [Application of noncash proceeds.]

　　A secured party need not apply or pay over for application noncash proceeds of disposition under this section unless the failure to do so would be commercially unreasonable. A secured party that applies or pays over for application noncash proceeds shall do so in a commercially reasonable manner.

　　(d) [Surplus or deficiency if obligation secured.]

　　If the security interest under which a disposition is made secures payment or performance of an obligation, after making the payments and applications required by subsection (a) and permitted by subsection (c):

　　(1) unless subsection (a)(4) requires the secured party to apply or pay over cash proceeds to a consignor, the secured party shall account to and pay a debtor for any surplus; and

　　(2) the obligor is liable for any deficiency.

　　(e) [No surplus or deficiency in sales of certain rights to payment.]

　　If the underlying transaction is a sale of accounts, chattel paper, payment intangibles, or promissory notes:

　　(1) the debtor is not entitled to any surplus; and

　　(2) the obligor is not liable for any deficiency.

　　(f) [Calculation of surplus or deficiency in disposition to person related to secured party.]

　　The surplus or deficiency following a disposition is calculated based on the amount of proceeds that would have been realized in a disposition complying with this part to a transferee other than the secured party, a person related tothe secured party, or a secondary obligor if:

　　(1) the transferee in the disposition is the secured party, a person related to the secured party, or a secondary obligor; and

　　(2) the amount of proceeds of the disposition is significantly below the range of proceeds that a complying disposition to a person other than the secured party, a person related to the secured party, or a secondary obligor would have brought.

　　(g) [Cash proceeds received by junior secured party.]

　　A secured party that receives cash proceeds of a disposition in good faith and without knowledge that the receipt violates the rights of the holder of a security interest or other lien that is not subordinate to the security interest or agricultural lien under which the disposition is made:

　　(1) takes the cash proceeds free of the security interest or other lien;

　　(2) is not obligated to apply the proceeds of the disposition to the satisfaction of obligations secured by the security interest or other lien; and

　　(3) is not obligated to account to or pay the holder of the security interest or other lien for any surplus.

　　(a) [收益的適用

　　擔保權(quán)人應當應用或支付在§9-610下的處分的現(xiàn)金收益的應用在下列指令中給：

　　(1) 取回、持有、處分準備、處理和處分的合理的費用，以及，在協(xié)議約定和法律不禁止的范圍內(nèi)，擔保權(quán)人招致的合理的律師費和法定費用;

　　(2) 基于作出處分的擔保權(quán)益或農(nóng)業(yè)留置權(quán)所擔保的債務之清償;

　　(3) 在擔保物上的任何次位的擔保權(quán)益或其他次位的留置權(quán)所擔保的債務之清償，若：

　　(a) 在該收益的分配完成之前，擔保權(quán)人從次位的擔保權(quán)益或其他留置權(quán)的持有人處收到一份經(jīng)鑒別的收益請求;及

　　(b) 在發(fā)貨人在擔保物中享有一項權(quán)益的情形，次位的擔保權(quán)益或其他留置權(quán)比發(fā)貨人的權(quán)益更久;及

　　(4)作為擔保物的發(fā)貨人的擔保權(quán)人，若在該收益的分配完成之前，擔保權(quán)人從發(fā)貨人處收到一份經(jīng)鑒別的收益請求。

　　(b) [次位的權(quán)益的證據(jù)

　　若擔保權(quán)人請求，次位的擔保權(quán)益或其他留置權(quán)持有人應當在合理的時間內(nèi)提供權(quán)益或留置權(quán)的合理證據(jù)。除非持有人如此作為，擔保權(quán)人不需遵守持有人在(a)(3)款下的請求。

　　(c) [非現(xiàn)金收益應用

　　擔保權(quán)人不需應用或支付在§9-610下的處分的現(xiàn)金收益的應用，除非未能如此作為將是商業(yè)上不合理的。應用或支付非現(xiàn)金收益應用的擔保權(quán)人應當以商業(yè)上合理的方式如此作為。

　　(d) [盈余或不足若債務被擔保

　　若在其下作出處分的擔保權(quán)益擔保債務的付款或者履行，在作出(a)款要求和(c)款允許的付款和應用之后：(1)除非(a)(4)款要求擔保權(quán)人應用或支付現(xiàn)金收益給發(fā)貨人，擔保權(quán)人應當 應收賬款 to和pay a 債務人 f或任何盈余;及

　　(2) 債務人應對任何不足負責。

　　(e) [沒有盈余或不足在一定的付款請求權(quán)買賣中

　　若下面的交易是應收賬款、擔保債權(quán)憑證、付款無體財產(chǎn)權(quán)或本票的買賣：

　　(1) 債務人不對任何盈余享有權(quán)利;及

　　(2) 債務人不對任何不足負責。

　　(f) [對擔保權(quán)人的利害關(guān)系人的處分中的盈余或不足的計算

　　處分之后的盈余或不足基于收益的金額計算，即依照本章對除擔保權(quán)人、擔保權(quán)人的利害關(guān)系人、或次債務人外的受讓人的處分中本將實現(xiàn)的收益的金額，若：

　　(1) 處分中的受讓人是擔保權(quán)人、擔保權(quán)人的利害關(guān)系人、或、次債務人;及

　　(2) 處分的收益金額顯著低于對除擔保權(quán)人、擔保權(quán)人的利害關(guān)系人、或次債務人外的人的符合的處分本將帶來的收益水平。

　　(g) [后擔保權(quán)人收到的現(xiàn)金收益

　　擔保權(quán)人善意地收到處分的現(xiàn)金收益，并且不知道該接收違反擔保權(quán)益或其他留置權(quán)持有人的權(quán)利，而該持有人的權(quán)利不次位于在其下處分被作出的擔保權(quán)益或農(nóng)業(yè)留置權(quán)的，該擔保權(quán)人：

　　(1) 取得該現(xiàn)金收益而不受擔保權(quán)益或其他留置權(quán)約束;

　　(2) 不必應用該處分的收益清償擔保權(quán)益或其他留置權(quán)所擔保的債務;及

　　(3) 不對應收賬款負責或支付任何盈余給擔保權(quán)益或其他留置權(quán)的持有人。

　　§ 9-616. EXPLANATION OF CALCULATION OF SURPLUS OR DEFICIENCY.

　　盈余或不足的計算說明。

　　(a) [Definitions.]

　　In this section:

　　(1) "Explanation" means a writing that:

　　(A) states the amount of the surplus or deficiency;

　　(B) provides an explanation in accordance with subsection (c) of how the secured party calculated the surplus or deficiency;

　　(C) states, if applicable, that future debits, credits, charges, including additional credit service charges or interest, rebates, and expenses may affect the amount of the surplus or deficiency; and

　　(D) provides a telephone number or mailing address from which additional information concerning the transaction is available.

　　(2) "Request" means a record:

　　(A) authenticated by a debtor or consumer obligor;

　　(B) requesting that the recipient provide an explanation; and

　　(C) sent after disposition of the collateral under Section 9-610.

　　(b) [Explanation of calculation.]

　　In a consumer-goods transaction in which the debtor is entitled to a surplus or a consumer obligor is liable for a deficiency under Section 9-615, the secured party shall:

　　(1) send an explanation to the debtor or consumer obligor, as applicable, after the disposition and:

　　(A) before or when the secured party accounts to the debtor and pays any surplus or first makes written demand on the consumer obligor after the disposition for payment of the deficiency; and

　　(B) within 14 days after receipt of a request; or

　　(2) in the case of a consumer obligor who is liable for a deficiency, within 14 days after receipt of a request, send to the consumer obligor a record waiving the secured party's right to a deficiency.

　　(c) [Required information.]

　　To comply with subsection (a)(1)(B), a writing must provide the following information in the following order:

　　(1) the aggregate amount of obligations secured by the security interest under which the disposition was made, and,, if the amount reflects a rebate of unearned interest or credit service charge, an indication of that fact, calculated as of a specified date:

　　(A) if the secured party takes or receives possession of the collateral after default, not more than 35 days before the secured party takes or receives possession; or

　　(B) if the secured party takes or receives possession of the collateral before default or does not take possession of the collateral, not more than 35 days before the disposition;

　　(2) the amount of proceeds of the disposition;

　　(3) the aggregate amount of the obligations after deducting the amount of proceeds;

　　(4) the amount, in the aggregate or by type, and types of expenses, including expenses of retaking, holding, preparing for disposition, processing, and disposing of the collateral, and attorney's fees secured by the collateral which are known to the secured party and relate to the current disposition;

　　(5) the amount, in the aggregate or by type, and types of credits, including rebates of interest or credit service charges, to which the obligor is known to be entitled and which are not reflected in the amount in paragraph (1); and

　　(6) the amount of the surplus or deficiency.

　　(d) [Substantial compliance.]

　　A particular phrasing of the explanation is not required. An explanation complying substantially with the requirements of subsection (a) is sufficient, even if it includes minor errors that are not seriously misleading.

　　(e) [Charges for responses.]

　　A debtor or consumer obligor is entitled without charge to one response to a request under this section during any six-month period in which the secured party did not send to the debtor or consumer obligor an explanation pursuant to subsection (b)(1). The secured party may require payment of a charge not exceeding $25 for each additional response.

　　(a) [定義

　　本條中：

　　(1) "說明" 指這樣一份書面文件：

　　(a) 規(guī)定盈余或不足的金額;

　　(b) 規(guī)定依照(c)款擔保權(quán)人怎樣計算盈余或不足的說明;

　　(c) 若可適用，陳述未來的借方、貸方、費用，包括額外的貸方服務費或收益、折扣和費用可以影響盈余或不足的金額;及

　　(d) 提供關(guān)于該交易的附加說明可以從其處獲得的電話號碼或郵發(fā)地址。

　　(2) 請求指一份檔案：

　　(a) 經(jīng)債務人或消費者債務人鑒別;

　　(b) 要求該收據(jù)提供一份說明;及

　　(c) 在處分§9-610下的擔保物之后發(fā)送。

　　(b) [計算說明

　　在生活消費品交易中，債務人對盈余享有權(quán)利或消費者債務人應對§9-615下的不足負責的，擔保權(quán)人應當：(1) 發(fā)送一份說明給債務人或消費者債務人，若可適用，在該處分之后，及：

　　(a) 當擔保權(quán)人向債務人付賬和支付任何盈余時或在此之前，或為不足部分的付款，在該處分之后，對消費者債務人首先作出書面請求;及

　　(b) 在收到請求之后14日內(nèi);或

　　(2) 在消費者債務人應對不足部分負責的情形，在收到請求之后14日內(nèi)，發(fā)送一份放棄擔保權(quán)人對不足部分的權(quán)利的檔案給消費者債務人。

　　(c) [要求的信息

　　遵照(a)(1)(b)，一份書面文件必須規(guī)定下列信息以下列次序：

　　(1) 在其下處分被作出的擔保權(quán)益所擔保的債務的總金額，以及，若該金額反映一筆不應得的收益的折扣或者貸方服務費，一項該事實的指示，在下述指定的日期計算：

　　(a)若擔保權(quán)人在違約后取得或收到擔保物的占有，不超過擔保權(quán)人取得或收到占有之前35日;或

　　(b)若擔保權(quán)人在違約前取得或收到擔保物的占有，或未取得擔保物的占有，在該處分前至多35日;

　　(2) 處分的收益金額;

　　(3) 在扣除收益金額之后該債務的總金額;

　　(4) 單類型合計的金額或各類費用的合計金額，包括取回、持有、處分準備、處理和處分擔保物的費用，以及擔保權(quán)人知道的和涉及最近的處分的擔保物擔保的律師費;

　　(5) 單類型合計的金額或各類存款的合計金額，包括債務人知道享有權(quán)利并且不在(1)段反映的金額中的權(quán)益回扣或存款服務費;及

　　(6) 盈余或不足的金額。

　　(d) [實質(zhì)遵從

　　該說明不需特定的措詞。實質(zhì)遵從(a)款的要求的說明為充分，即使其包括不嚴重引人誤解的次要錯誤。

　　(e) [反饋費用

　　在任何六個月期間，擔保權(quán)人未發(fā)送一份依照(b)(1)款的說明給債務人或消費者債務人的，債務人或消費者債務人有權(quán)要求免費對本條下的請求作出反饋。擔保權(quán)人可以對每份額外的反饋收取不超過$25的付款。

　　§ 9-617. RIGHTS OF TRANSFEREE OF COLLATERAL. 擔保物受讓人的權(quán)利。

　　(a) [Effects of disposition.]

　　A secured party's disposition of collateral after default:

　　(1) transfers to a transferee for value all of the debtor's rights in the collateral;

　　(2) discharges the security interest under which the disposition is made; and

　　(3) discharges any subordinate security interest or other subordinate lien [other than liens created under [cite acts or statutes providing for liens, if any, that are not to be discharged]].

　　(b) [Rights of good-faith transferee.]

　　A transferee that acts in good faith takes free of the rights and interests described in subsection (a), even if the secured party fails to comply with this article or the requirements of any judicial proceeding.

　　(c) [Rights of other transferee.]

　　If a transferee does not take free of the rights and interests described in subsection (a), the transferee takes the collateral subject to:

　　(1) the debtor's rights in the collateral;

　　(2) the security interest or agricultural lien under which the disposition is made; and

　　(3) any other security interest or other lien.

　　(a) [處分的效力

　　擔保權(quán)人的處分擔保物在違約后：

　　(1) 有償轉(zhuǎn)讓債務人在擔保物中的所有權(quán)利給受讓人;

　　(2) 解除處分在其下作出的擔保權(quán)益;及

　　(3) 解除任何次位的擔保權(quán)益或其他次位的留置權(quán) [在[引用規(guī)定不將被解除的留置權(quán)的法案或法令]下創(chuàng)設的留置權(quán)除外]。

　　(b) [善意受讓人的權(quán)利

　　善意的受讓人不受(a)款規(guī)定的權(quán)利和權(quán)益的約束，即使該擔保權(quán)人未能遵守本篇或任何司法程序的要求。(c) [其他受讓人的權(quán)利

　　若受讓人受(a)款規(guī)定的權(quán)利和權(quán)益的約束，該受讓人取得該擔保物受下述影響：

　　(1) 債務人在擔保物中的權(quán)利;

　　(2) 在其下作出處分的擔保權(quán)益或農(nóng)業(yè)留置權(quán);及

　　(3) 任何其他擔保權(quán)益或其他留置權(quán)。

　　§ 9-618. RIGHTS AND DUTIES OF CERTAIN SECONDARY OBLIGORS.

　　特定次債務人的權(quán)利和義務。

　　(a) [Rights and duties of secondary obligor.]

　　A secondary obligor acquires the rights and becomes obligated to perform the duties of the secured party after the secondary obligor:

　　(1) receives an assignment of a secured obligation from the secured party;

　　(2) receives a transfer of collateral from the secured party and agrees to accept the rights and assume the duties of the secured party; or

　　(3) is subrogated to the rights of a secured party with respect to collateral.

　　(b) [Effect of assignment, transfer, or subrogation.]

　　An assignment, transfer, or subrogation described in subsection (a):

　　(1) is not a disposition of collateral under Section 9-610; and

　　(2) relieves the secured party of further duties under this article.

　　(a) [次債務人的權(quán)利和義務

　　次債務人獲得該權(quán)利并應當履行擔保權(quán)人的義務，在次債務人作出下述行為之后：

　　(1) 從擔保權(quán)人處收到被擔保的債務的轉(zhuǎn)讓;

　　(2) 從擔保權(quán)人處收到擔保物的轉(zhuǎn)讓，并同意接受該權(quán)利和承擔擔保權(quán)人的義務;或

　　(3) 接替擔保權(quán)人關(guān)于擔保物的權(quán)利。

　　(b) [轉(zhuǎn)讓、轉(zhuǎn)移或代位的效力

　　(a)款規(guī)定的轉(zhuǎn)讓、轉(zhuǎn)移或代位：

　　(1) 不是在§9-610下的處分擔保物;及

　　(2) 收到擔保權(quán)人在本篇下的更進一步的義務。

　　§ 9-619. TRANSFER OF RECORD OR LEGAL TITLE. 檔案或權(quán)利證書的轉(zhuǎn)讓。

　　(a) ["Transfer statement."]

　　In this section, "transfer statement" means a record authenticated by a secured party stating:

　　(1) that the debtor has defaulted in connection with an obligation secured by specified collateral;

　　(2) that the secured party has exercised its post-default remedies with respect to the collateral;

　　(3) that, by reason of the exercise, a transferee has acquired the rights of the debtor in the collateral; and

　　(4) the name and mailing address of the secured party, debtor, and transferee.

　　(b) [Effect of transfer statement.]

　　A transfer statement entitles the transferee to the transfer of record of all rights of the debtor in the collateral specified in the statement in any official filing, recording, registration, or certificate-of-title system covering the collateral. If a transfer statement is presented with the applicable fee and request form to the official or office responsible for maintaining the system, the official or office shall:

　　(1) accept the transfer statement;

　　(2) promptly amend its records to reflect the transfer; and

　　(3) if applicable, issue a new appropriate certificate of title in the name of the transferee.

　　(c) [Transfer not a disposition; no relief of secured party's duties.]

　　A transfer of the record or legal title to collateral to a secured party under subsection (b) or otherwise is not of itself a disposition of collateral under this article and does not of itself relieve the secured party of its duties under this article.

　　(a) ["轉(zhuǎn)讓申明書。

　　在本條中，"轉(zhuǎn)讓申明書" 指經(jīng)擔保權(quán)人鑒別的檔案，其規(guī)定：

　　(1) 與指定的擔保物所擔保的債務有關(guān)，債務人不履行;

　　(2) 關(guān)于擔保物，擔保權(quán)人已經(jīng)行使其違約后的補救權(quán)利;

　　(3) 由于該行使，受讓人已經(jīng)獲得債務人在擔保物中的權(quán)利;及

　　(4) 擔保權(quán)人、債務人和受讓人的名稱和郵發(fā)地址。

　　(b) [轉(zhuǎn)讓申明書的效力

　　任何正式的登記、記錄、注冊、或產(chǎn)權(quán)證書系統(tǒng)中的申明書指定擔保物的，轉(zhuǎn)讓申明書使受讓人對于債務人在該擔保物的中的所有權(quán)利的檔案的轉(zhuǎn)讓享有權(quán)利。若轉(zhuǎn)讓申明書交納可適用的費用和提交申請書給負責維持該系統(tǒng)的官方或辦事處，該官方或辦事處應當：

　　(1) 接受轉(zhuǎn)讓申明書;

　　(2) 迅捷地修正其記錄以反映該轉(zhuǎn)讓;及

　　(3) 若可適用，以受讓人名義，簽發(fā)一份新的適當?shù)漠a(chǎn)權(quán)證書。

　　(c) [不構(gòu)成處分的轉(zhuǎn)讓;不減輕擔保權(quán)人的義務

　　依照(b)款或以其他方式，擔保物的檔案或權(quán)利證書對擔保權(quán)人的轉(zhuǎn)讓 本身不是在本篇下的處分擔保物，并且其本身不減輕其在本篇下的義務。

　　§ 9-620. ACCEPTANCE OF COLLATERAL IN FULL OR PARTIAL SATISFACTION OF OBLIGATION; COMPULSORY DISPOSITION OF COLLATERAL.

　　在債務的全部或部分清償中對擔保物的接受;強制處分擔保物。

　　(a) [Conditions to acceptance in satisfaction.]

　　Except as otherwise provided in subsection (g), a secured party may accept collateral in full or partial satisfaction of the obligation it secures only if:

　　(1) the debtor consents to the acceptance under subsection (c);

　　(2) the secured party does not receive, within the time set forth in subsection (d), a notification of objection to the proposal authenticated by:

　　(A) a person to which the secured party was required to send a proposal under Section 9-621; or

　　(B) any other person, other than the debtor, holding an interest in the collateral subordinate to the security interest that is the subject of the proposal;

　　(3) if the collateral is consumer goods, the collateral is not in the possession of the debtor when the debtor consents to the acceptance; and

　　(4) subsection (e) does not require the secured party to dispose of the collateral or the debtor waives the requirement pursuant to Section 9-624.

　　(b) [Purported acceptance ineffective.]

　　A purported or apparent acceptance of collateral under this section is ineffective unless:

　　(1) the secured party consents to the acceptance in an authenticated record or sends a proposal to the debtor; and

　　(2) the conditions of subsection (a) are met.

　　(c) [Debtor's consent.]

　　For purposes of this section:

　　(1) a debtor consents to an acceptance of collateral in partial satisfaction of the obligation it secures only if the debtor agrees to the terms of the acceptance in a record authenticated after default; and

　　(2) a debtor consents to an acceptance of collateral in full satisfaction of the obligation it secures only if the debtor agrees to the terms of the acceptance in a record authenticated after default or the secured party:

　　(A) sends to the debtor after default a proposal that is unconditional or subject only to a condition that collateral not in the possession of the secured party be preserved or maintained;

　　(B) in the proposal, proposes to accept collateral in full satisfaction of the obligation it secures; and

　　(C) does not receive a notification of objection authenticated by the debtor within 20 days after the proposal is sent.

　　(d) [Effectiveness of notification.]

　　To be effective under subsection (a)(2), a notification of objection must be received by the secured party:

　　(1) in the case of a person to which the proposal was sent pursuant to Section 9-621, within 20 days after notification was sent to that person; and

　　(2) in other cases:

　　(A) within 20 days after the last notification was sent pursuant to Section 9-621; or

　　(B) if a notification was not sent, before the debtor consents to the acceptance under subsection (c).

　　(e) [Mandatory disposition of consumer goods.]

　　A secured party that has taken possession of collateral shall dispose of the collateral pursuant to Section 9-610 within the time specified in subsection (f) if:

　　(1) 60 percent of the cash price has been paid in the case of a purchase-money security interest in consumer goods; or

　　(2) 60 percent of the principal amount of the obligation secured has been paid in the case of a non-purchase-money security interest in consumer goods.

　　(f) [Compliance with mandatory disposition requirement.]

　　To comply with subsection (e), the secured party shall dispose of the collateral:

　　(1) within 90 days after taking possession; or

　　(2) within any longer period to which the debtor and all secondary obligors have agreed in an agreement to that effect entered into and authenticated after default.

　　(g) [No partial satisfaction in consumer transaction.]

　　In a consumer transaction, a secured party may not accept collateral in partial satisfaction of the obligation it secures.

　　(a) [清償中接搜的條件

　　除非(g)款另有規(guī)定，在其擔保的全部或部分債務的清償時，擔保權(quán)人可以接受擔保物，若：

　　(1) 債務人同意該接受在(c)款下;

　　(2)§在(d)款提出的時間內(nèi)，擔保權(quán)人不接受對經(jīng)下述人鑒別的建議的異議通知：

　　(a) 要求擔保權(quán)人發(fā)送在§9-621下的建議的人;或

　　(b) 除債務人外，持有一項次位于作為該建議的標的物的擔保權(quán)益的擔保物中的權(quán)益任何其他人;

　　(3) 若擔保物是消費者貨物，當債務人同意該接受時債務人未占有擔保物;及

　　(4) (e)款不要求擔保權(quán)人處分擔保物或債務人放棄依照 §9-624的要求。

　　(b) [聲稱的接受無效

　　在本條下，擔保物的聲稱的接受或表面的接受無效，除非：

　　(1) 擔保權(quán)人在一份經(jīng)鑒別的檔案中同意該接受，或者發(fā)送一份建議給債務人;及

　　(2) (a)款的條件被符合。

　　(c) [債務人的同意

　　為本條的目的：

　　(1) 債務人同意接受擔保物以部分清償其所擔保的債務，僅當債務人在一份在違約后的經(jīng)鑒別的檔案中同意該接受的條款;及

　　(2) 債務人同意接受擔保物以全部清償其所擔保的債務，o僅當債務人在一份在違約后的經(jīng)鑒別的檔案中同意該接受的條款，或擔保權(quán)人：

　　(a) 在違約后發(fā)送一份建議給債務人，該建議不含條件，或者僅受一個條件影響，即非由擔保權(quán)人占有的擔保物被保存或被維持;

　　(b) 在該建議中，建議接受擔保物以全部清償其所擔保的債務;及

　　(c) 不接受一份異議通知，在該建議被發(fā)送之后20日內(nèi)由債務人鑒別。

　　(d) [通知效力

　　為在(a)(2)下有效，異議通知必須由擔保權(quán)人收到：

　　(1) 在依照 §9-621發(fā)送建議的對象的情形，在該通知被發(fā)送給此人之后20日內(nèi);及

　　(2) 在其他情形：

　　(a) 在最后的通知依照 §9-621發(fā)送之后20日內(nèi);或

　　(b) 若通知未發(fā)送，在債務人同意在(c)款下的接受之前。

　　(e) [強制處分消費者貨物

　　已經(jīng)占有擔保物的擔保權(quán)人應當在§(f)款指定的時間內(nèi)，依照§9-610處分擔保物，若：

　　(1) 在消費者貨物買價擔保權(quán)益的情形，60%的現(xiàn)金價格已經(jīng)被支付;或

　　(2) 在消費者貨物中的非買價擔保權(quán)益情形，被擔保的債務的本金金額的60%已經(jīng)被支付。

　　(f) [依從強制處分要求

　　遵守(e)款，擔保權(quán)人應當處分擔保物：

　　(1) 在取得占有之后90日內(nèi);或

　　(2) 債務人和所有次債務人已經(jīng)在一份在違約后訂立和鑒別的協(xié)議中約定的任何更長的期間內(nèi)。

　　(g) [消費者交易不得部分清償

　　在消費者交易中，其擔保債務的部分清償中，擔保權(quán)人不得接受擔保物。