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A lender cannot simply send an auctioneer to seize a debtor’s property upon default without following the law. If the loan is secured with collateral like land or movable assets, the lender must first issue proper statutory notices under the law. These include default notices, redemption notices, and a formal notification of sale. For movable items, auctioneers must follow strict procedures under the Auctioneers Act and Regulations, and give notice before taking action. If there is no collateral
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