美国统一商法典翻译模板（中英文第9-610至9-620款）

　　§ 9-610. DISPOSITION OF COLLATERAL AFTER DEFAULT. 处分担保物在违约后.

　　(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) [处分在违约后

　　在违约后，在其现有情况下，担保权人可以出售、出租、许可，或以其他方式处分任何或全部担保物，或遵循任何商业上合理的准备或处理。

　　(b) [商业上合理的处分

　　处分担保物的每个方面，包括方法、方式、时间、地点和其他条款，必须是商业上合理的。若商业上合理，担保权人可以处分担保物通过公开或私下进行，通过一个或更多合同，以一个单位或单元，并在任何时间和地点以及任何条款。

　　(c) [担保权人购买

　　担保权人可以购买担保物：

　　(1) 在公开处分中;或

　　(2) 在私下处分中，仅当该担保物是习惯上在公认的市场出售的那种，或是广泛分布的标准价格报价的标的。

　　(d) [对处分的保证

　　买卖、租赁、许可合同或其他处分，包括涉及所有权、占有、平静行使、以及通过法律实施，伴随作为该合同标的的财产的自愿处分的担保。

　　(e) [担保的放弃

　　担保权人可以放弃或修正在(d)款下的担保：

　　(1) 以这样一个方式，即放弃或变更对处分合同的标的那种财产的自愿处分中的担保的方式;或

　　(2) 通过传输给买方一份档案，该档案证明该处分合同，包括该担保的明示放弃或变更。

　　(f) [足以放弃担保的档案

　　一份档案对于放弃在(e)款下的担保为充分，若其指出没有涉及所有权、占有、平静行使、以及通过法律实施，伴随作为该合同标的的财产的自愿处分的担保或使用类似含义的词语。

　　§ 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

　　在处分担保物前通知.

　　(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

　　在本条中，通知日期指下列日期早期：

　　(1) 担保权人发送一份经鉴别的处分通知给债务人和任何次债务人;或

　　(2) 债务人和任何次债务人放弃对通知的权利。

　　(b) [被要求的处分通知

　　除非(d)款另有规定，在§9-610下处分担保物的担保权人应当发送合理的经鉴别的处分通知给(c)款下指定的人。

　　(c) [应被通知的人

　　按照(b)款要求，担保权人应当发送经鉴别的处分通知给：

　　(1) 债务人;

　　(2) 任何次债务人;及

　　(3) 若担保物是除消费者货物外：

　　(a) 在通知日之前，担保权人已经从其处收到主张担保物中权益的经鉴别的通知的任何其他人;

　　(b) 在通知日期之前10日，持有通过融资申明书的登记完善的在担保物上的担保权益或其他留置权的任何其他担保权人或留置权持有人：

　　(i) 确定该担保物;

　　(ii) 在该债务人的名义下，在该日期索引;及

　　(iii) 在该日期，对于债务人，登记包含该担保物的融资申明书的办事处登记;及

　　(c) 在通知日期之前10日，持有依照§9-311(a)规定的法令、规章、或条约完善的担保物中的担保权益的任何其他担保权人。

　　(d) [(b)款不可适用：容易腐烂的担保物;公认的市场

　　(b)款不适用若担保物容易腐烂或其价值可能急剧减损，或者，属于习惯上在公认市场出售的类型。

　　(e) [遵照

　　担保权人符合(c)(3)(b)规定的通知的要求，若：

　　(1) 不迟于20日或早于30日在通知日期之前，担保权人要求，以商业上合理的方式，关于在债务人的名义下在§(c)(3)(b)指出的办事处索引的融资申明书的信息;及

　　(2) 在通知日期之前，担保权人：

　　(a) 未收到对该信息请求的反馈;或

　　(b) 收到对该信息请求的反馈和发送一份经鉴别的处分通知给每个担保权人，或在该反馈中指定的其他留置权持有人，其融资申明书包含担保物。

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

　　在处分担保物之前的通知的及时性.

　　(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) [合理的时间是事实问题

　　除非(b)款另有规定，通知是否在合理的时间内发送是事实问题。

　　(b) [在非消费者交易中10日期间充分

　　在除消费者交易外的交易中，处分通知在违约后发送，以及在该通知中提出的处分最早时间之前10日以上发送的，是在处分之前的合理时间之内发送。

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

　　在处分担保物前通知的内容和形式: 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]

　　除生活消费品交易中，下列规则适用：

　　(1) 处分通知的内容为充分，若该通知：

　　(a) 描述债务人和担保权人;

　　(b) 描述作为打算处分的标的物的担保物;

　　(c) 规定打算处分的方法;

　　(d) 规定债务人对未支付的债务的应收账款享有权利，若有，并规定应收账款的费用;及

　　(e) 规定公开处分的时间和地点或其后任何其他处分将被作出的时间。

　　(2) 通知的内容缺乏(1)段规定的任何信息的，是否仍然充分，是一个事实问题。

　　(3) 充分规定(1)段指定的信息的通知之内容为充分，即使该通知包括：(a)该段未指定的信息;或(b)不严重引人误解的次要错误。

　　(4) 通知的特定措辞不被要求。

　　(5) 通知下列格式和§9-614(3)规定的格式，当完成时，每一个提供充分的信息：

　　处分担保物的通知

　　至：[债务人、义务人、或通知发送给的其他人的名称

　　自：[担保权人的名称、地址和电话号码

　　债务人的名称: [仅当债务人不是收件人包括

　　[公开处分：]

　　我们将出售[或出租或许可，按需要适用][描述担保物] [予最高价竞买人] 公开如下：

　　期日和期间： ________

　　时间：________

　　地点： ________

　　[私下处分：]

　　我们将出售[或出租或许可，按需要适用][描述担保物私下的时间在[期日和期间之后。

　　你对于我们打算出售 [或出租或许可，按需要适用]的财产所担保的未支付的债务的应收账款享有权利[收取费用为$ ________]。

　　你可以要求应收账款通过致电我们[电话号码

　　[格式结束]

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

　　在处分担保物之前的通知的内容和格式: 生活消费品交易。

　　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: _____

　　在生活消费品交易中，下列规则适用：

　　(1) 处分通知必须规定下列信息：

　　(a) §9-613(1)指定的信息;

　　(b) 通知被发送给的人的缺乏之责任的描述;

　　(c) 必须支付给担保权人以赎回在§9-623下的担保物的金额可从其获取的电话号码;及

　　(d) 关于处分和被担保的债务的附加说明可从其获取的电话号码或邮发地址。

　　(2) 通知不要求特定的措辞。

　　(3) 通知的下列格式，当完成时，规定充分的信息：

　　[担保权人的名称和地址

　　[日期

　　我们出售财产的计划之通知

　　[任何债务人作为义务人的债务人的名称和地址

　　标的：[交易性质

　　我们享有你的[描述担保物，因为你破坏了你协议中的承诺。

　　[公开处分: ]

　　我们将拍卖[描述担保物 。买卖可以包括租赁和许可。该买卖将被持有如下：

　　日期：_____

　　时间：_____

　　地点：_____

　　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).

　　你可以出席该买卖并出价，若你愿意。

　　[私下处分：]

　　我们将出售[描述担保物 在[日期之后的私下的时间。买卖可以包括租赁和许可。

　　我们从该买卖中得到的金钱(在支付我们的费用之后) 将减少你所负债务的金额。若我们得到比你所欠更少的金额，你[将或不将 ]还欠我们差额。若我们所得金钱多余你所欠，你将得到额外的钱，处分我们必须把它支付给别的人。

　　在我们出卖之前，你可以收回该财产，通过向我们支付你所欠全部金额 (不止过期付款)，包括我们的费用。欲知你所欠的额外金额，联系我们[电话号码 ]。

　　若你需要我们书面说明我们怎样计算你所欠金额，你可以联系我们[电话号码 ] ] [或致信我们[担保权人的地址 ]并要求书面说明。[我们将收费$ _____ 对该说明，若我们在最后六个月内发送给你一份你所欠金额的其他的书面说明.]

　　若你需要更多关于该买卖的信息，联系我们[电话号码 ] [或致信我们[担保权人的 ]。

　　你将发送本通知给下列其他人，即在[描述担保物上享有权益的人，或在你的协议下负债的人：

　　[所有其他债务人和义务人的名称，若有的话

　　[格式结束]

　　(4) (3)段形式的通知为充分，即使附加说明出现在其形式的末尾。

　　(5) (3)段形式的通知为充分，即使其包括(1)段不要求的信息的错误，除非该错误关于产生于本篇的权利是令人误导性的。

　　(6) 若在本条下的通知不是(3)段规定的格式，除本篇外的法律决定其效力，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.处分之收益的适用;因不足而应承担的责任和对盈余的权利。

　　(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) [收益的适用

　　担保权人应当应用或支付在§9-610下的处分的现金收益的应用在下列指令中给：

　　(1) 取回、持有、处分准备、处理和处分的合理的费用，以及，在协议约定和法律不禁止的范围内，担保权人招致的合理的律师费和法定费用;

　　(2) 基于作出处分的担保权益或农业留置权所担保的债务之清偿;

　　(3) 在担保物上的任何次位的担保权益或其他次位的留置权所担保的债务之清偿，若：

　　(a) 在该收益的分配完成之前，担保权人从次位的担保权益或其他留置权的持有人处收到一份经鉴别的收益请求;及

　　(b) 在发货人在担保物中享有一项权益的情形，次位的担保权益或其他留置权比发货人的权益更久;及

　　(4)作为担保物的发货人的担保权人，若在该收益的分配完成之前，担保权人从发货人处收到一份经鉴别的收益请求。

　　(b) [次位的权益的证据

　　若担保权人请求，次位的担保权益或其他留置权持有人应当在合理的时间内提供权益或留置权的合理证据。除非持有人如此作为，担保权人不需遵守持有人在(a)(3)款下的请求。

　　(c) [非现金收益应用

　　担保权人不需应用或支付在§9-610下的处分的现金收益的应用，除非未能如此作为将是商业上不合理的。应用或支付非现金收益应用的担保权人应当以商业上合理的方式如此作为。

　　(d) [盈余或不足若债务被担保

　　若在其下作出处分的担保权益担保债务的付款或者履行，在作出(a)款要求和(c)款允许的付款和应用之后：(1)除非(a)(4)款要求担保权人应用或支付现金收益给发货人，担保权人应当 应收账款 to和pay a 债务人 f或任何盈余;及

　　(2) 债务人应对任何不足负责。

　　(e) [没有盈余或不足在一定的付款请求权买卖中

　　若下面的交易是应收账款、担保债权凭证、付款无体财产权或本票的买卖：

　　(1) 债务人不对任何盈余享有权利;及

　　(2) 债务人不对任何不足负责。

　　(f) [对担保权人的利害关系人的处分中的盈余或不足的计算

　　处分之后的盈余或不足基于收益的金额计算，即依照本章对除担保权人、担保权人的利害关系人、或次债务人外的受让人的处分中本将实现的收益的金额，若：

　　(1) 处分中的受让人是担保权人、担保权人的利害关系人、或、次债务人;及

　　(2) 处分的收益金额显著低于对除担保权人、担保权人的利害关系人、或次债务人外的人的符合的处分本将带来的收益水平。

　　(g) [后担保权人收到的现金收益

　　担保权人善意地收到处分的现金收益，并且不知道该接收违反担保权益或其他留置权持有人的权利，而该持有人的权利不次位于在其下处分被作出的担保权益或农业留置权的，该担保权人：

　　(1) 取得该现金收益而不受担保权益或其他留置权约束;

　　(2) 不必应用该处分的收益清偿担保权益或其他留置权所担保的债务;及

　　(3) 不对应收账款负责或支付任何盈余给担保权益或其他留置权的持有人。

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

　　盈余或不足的计算说明。

　　(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) [定义

　　本条中：

　　(1) "说明" 指这样一份书面文件：

　　(a) 规定盈余或不足的金额;

　　(b) 规定依照(c)款担保权人怎样计算盈余或不足的说明;

　　(c) 若可适用，陈述未来的借方、贷方、费用，包括额外的贷方服务费或收益、折扣和费用可以影响盈余或不足的金额;及

　　(d) 提供关于该交易的附加说明可以从其处获得的电话号码或邮发地址。

　　(2) 请求指一份档案：

　　(a) 经债务人或消费者债务人鉴别;

　　(b) 要求该收据提供一份说明;及

　　(c) 在处分§9-610下的担保物之后发送。

　　(b) [计算说明

　　在生活消费品交易中，债务人对盈余享有权利或消费者债务人应对§9-615下的不足负责的，担保权人应当：(1) 发送一份说明给债务人或消费者债务人，若可适用，在该处分之后，及：

　　(a) 当担保权人向债务人付账和支付任何盈余时或在此之前，或为不足部分的付款，在该处分之后，对消费者债务人首先作出书面请求;及

　　(b) 在收到请求之后14日内;或

　　(2) 在消费者债务人应对不足部分负责的情形，在收到请求之后14日内，发送一份放弃担保权人对不足部分的权利的档案给消费者债务人。

　　(c) [要求的信息

　　遵照(a)(1)(b)，一份书面文件必须规定下列信息以下列次序：

　　(1) 在其下处分被作出的担保权益所担保的债务的总金额，以及，若该金额反映一笔不应得的收益的折扣或者贷方服务费，一项该事实的指示，在下述指定的日期计算：

　　(a)若担保权人在违约后取得或收到担保物的占有，不超过担保权人取得或收到占有之前35日;或

　　(b)若担保权人在违约前取得或收到担保物的占有，或未取得担保物的占有，在该处分前至多35日;

　　(2) 处分的收益金额;

　　(3) 在扣除收益金额之后该债务的总金额;

　　(4) 单类型合计的金额或各类费用的合计金额，包括取回、持有、处分准备、处理和处分担保物的费用，以及担保权人知道的和涉及最近的处分的担保物担保的律师费;

　　(5) 单类型合计的金额或各类存款的合计金额，包括债务人知道享有权利并且不在(1)段反映的金额中的权益回扣或存款服务费;及

　　(6) 盈余或不足的金额。

　　(d) [实质遵从

　　该说明不需特定的措词。实质遵从(a)款的要求的说明为充分，即使其包括不严重引人误解的次要错误。

　　(e) [反馈费用

　　在任何六个月期间，担保权人未发送一份依照(b)(1)款的说明给债务人或消费者债务人的，债务人或消费者债务人有权要求免费对本条下的请求作出反馈。担保权人可以对每份额外的反馈收取不超过$25的付款。

　　§ 9-617. RIGHTS OF TRANSFEREE OF COLLATERAL. 担保物受让人的权利。

　　(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) [处分的效力

　　担保权人的处分担保物在违约后：

　　(1) 有偿转让债务人在担保物中的所有权利给受让人;

　　(2) 解除处分在其下作出的担保权益;及

　　(3) 解除任何次位的担保权益或其他次位的留置权 [在[引用规定不将被解除的留置权的法案或法令]下创设的留置权除外]。

　　(b) [善意受让人的权利

　　善意的受让人不受(a)款规定的权利和权益的约束，即使该担保权人未能遵守本篇或任何司法程序的要求。(c) [其他受让人的权利

　　若受让人受(a)款规定的权利和权益的约束，该受让人取得该担保物受下述影响：

　　(1) 债务人在担保物中的权利;

　　(2) 在其下作出处分的担保权益或农业留置权;及

　　(3) 任何其他担保权益或其他留置权。

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

　　特定次债务人的权利和义务。

　　(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) [次债务人的权利和义务

　　次债务人获得该权利并应当履行担保权人的义务，在次债务人作出下述行为之后：

　　(1) 从担保权人处收到被担保的债务的转让;

　　(2) 从担保权人处收到担保物的转让，并同意接受该权利和承担担保权人的义务;或

　　(3) 接替担保权人关于担保物的权利。

　　(b) [转让、转移或代位的效力

　　(a)款规定的转让、转移或代位：

　　(1) 不是在§9-610下的处分担保物;及

　　(2) 收到担保权人在本篇下的更进一步的义务。

　　§ 9-619. TRANSFER OF RECORD OR LEGAL TITLE. 档案或权利证书的转让。

　　(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) ["转让申明书。

　　在本条中，"转让申明书" 指经担保权人鉴别的档案，其规定：

　　(1) 与指定的担保物所担保的债务有关，债务人不履行;

　　(2) 关于担保物，担保权人已经行使其违约后的补救权利;

　　(3) 由于该行使，受让人已经获得债务人在担保物中的权利;及

　　(4) 担保权人、债务人和受让人的名称和邮发地址。

　　(b) [转让申明书的效力

　　任何正式的登记、记录、注册、或产权证书系统中的申明书指定担保物的，转让申明书使受让人对于债务人在该担保物的中的所有权利的档案的转让享有权利。若转让申明书交纳可适用的费用和提交申请书给负责维持该系统的官方或办事处，该官方或办事处应当：

　　(1) 接受转让申明书;

　　(2) 迅捷地修正其记录以反映该转让;及

　　(3) 若可适用，以受让人名义，签发一份新的适当的产权证书。

　　(c) [不构成处分的转让;不减轻担保权人的义务

　　依照(b)款或以其他方式，担保物的档案或权利证书对担保权人的转让 本身不是在本篇下的处分担保物，并且其本身不减轻其在本篇下的义务。

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

　　在债务的全部或部分清偿中对担保物的接受;强制处分担保物。

　　(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) [清偿中接搜的条件

　　除非(g)款另有规定，在其担保的全部或部分债务的清偿时，担保权人可以接受担保物，若：

　　(1) 债务人同意该接受在(c)款下;

　　(2)§在(d)款提出的时间内，担保权人不接受对经下述人鉴别的建议的异议通知：

　　(a) 要求担保权人发送在§9-621下的建议的人;或

　　(b) 除债务人外，持有一项次位于作为该建议的标的物的担保权益的担保物中的权益任何其他人;

　　(3) 若担保物是消费者货物，当债务人同意该接受时债务人未占有担保物;及

　　(4) (e)款不要求担保权人处分担保物或债务人放弃依照 §9-624的要求。

　　(b) [声称的接受无效

　　在本条下，担保物的声称的接受或表面的接受无效，除非：

　　(1) 担保权人在一份经鉴别的档案中同意该接受，或者发送一份建议给债务人;及

　　(2) (a)款的条件被符合。

　　(c) [债务人的同意

　　为本条的目的：

　　(1) 债务人同意接受担保物以部分清偿其所担保的债务，仅当债务人在一份在违约后的经鉴别的档案中同意该接受的条款;及

　　(2) 债务人同意接受担保物以全部清偿其所担保的债务，o仅当债务人在一份在违约后的经鉴别的档案中同意该接受的条款，或担保权人：

　　(a) 在违约后发送一份建议给债务人，该建议不含条件，或者仅受一个条件影响，即非由担保权人占有的担保物被保存或被维持;

　　(b) 在该建议中，建议接受担保物以全部清偿其所担保的债务;及

　　(c) 不接受一份异议通知，在该建议被发送之后20日内由债务人鉴别。

　　(d) [通知效力

　　为在(a)(2)下有效，异议通知必须由担保权人收到：

　　(1) 在依照 §9-621发送建议的对象的情形，在该通知被发送给此人之后20日内;及

　　(2) 在其他情形：

　　(a) 在最后的通知依照 §9-621发送之后20日内;或

　　(b) 若通知未发送，在债务人同意在(c)款下的接受之前。

　　(e) [强制处分消费者货物

　　已经占有担保物的担保权人应当在§(f)款指定的时间内，依照§9-610处分担保物，若：

　　(1) 在消费者货物买价担保权益的情形，60%的现金价格已经被支付;或

　　(2) 在消费者货物中的非买价担保权益情形，被担保的债务的本金金额的60%已经被支付。

　　(f) [依从强制处分要求

　　遵守(e)款，担保权人应当处分担保物：

　　(1) 在取得占有之后90日内;或

　　(2) 债务人和所有次债务人已经在一份在违约后订立和鉴别的协议中约定的任何更长的期间内。

　　(g) [消费者交易不得部分清偿

　　在消费者交易中，其担保债务的部分清偿中，担保权人不得接受担保物。