Вопрос № 800735 - Английский язык

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Some secured debt arrangements permit the creditor to have possession of the property until the debt is paid. One such lien is the pledge, which arises when personal property is given to a creditor as security for the payment of a debt, or for the performance of an obligation. The property may be either goods or documents representing property rights (for example, corporate stock). The pledger voluntarily gives up possession of the property. The pledgee receives possession.

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Usually, the debtor keeps possession of the liened property as long as the debt is not in default. Mortgages on homes are very common examples of this type of secured debt. However, if there is a default, the creditor is allowed to peacefully repossess the secured property if it is movable, such as a car or TV.

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Usually, the debtor keeps possession of the liened property as long as the debt is not in default. Mortgages on homes are very common examples of this type of secured debt. However, if there is a default, the creditor is allowed to peacefully repossess the secured property if it is movable, such as a car or TV.

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Some secured debt arrangements permit the creditor to have possession of the property until the debt is paid. One such lien is the pledge, which arises when personal property is given to a creditor as security for the payment of a debt, or for the performance of an obligation. The property may be either goods or documents representing property rights (for example, corporate stock). The pledger voluntarily gives up possession of the property. The pledgee receives possession.

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A pawn is a pledge of tangible personal property, usually of small size and high value. This type of pledge includes items such as jewelry, cameras, or musical instruments. It excludes such items as stocks or bonds or other documents of value. A pawnbroker is a person in the business of lending money at interest who requires such tangible personal property as security.

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Goods that are pawned must be held for a certain length of time after the loan is due before they can be sold. In some states, this length of time is one year. The rights of the parties to the proceeds of sale are usually the same as in ordinary pledges. Sometimes ownership passes to the pawnbroker at the end of a specified time.