The Position of Secured Creditors Holding Mortgage Guarantees in Bankruptcy and Suspension of Debt Payment Obligations

Bagus Fitrahndi

Abstract


This study aims to analyze the position of secured creditors holding Mortgage Rights in bankruptcy cases and the mechanism for executing Mortgage Rights by secured creditors in bankruptcy cases. This study uses a statutory approach. This type of research is normative research. The type and source of data in this study are secondary data obtained through literature studies. The analysis in this study is prescriptive. Based on the research, it is concluded that in bankruptcy cases, creditors are classified into several groups, regulated in the UUK-PKPU, in Article 56 paragraph (2) of Law No. 37 of 2004 which stipulates that secured creditors are given a 90-day deferral right to execute the collateral they hold. The implementation of this article affects the rights of creditors holding Mortgage Rights as regulated in Article 20 paragraph (1) and Article 21 of Law Number 4 of 1996 concerning Mortgage Rights. Execution of Mortgage Rights through direct auction can be carried out immediately by creditors. However, when a debtor is declared bankrupt, their rights are limited as stipulated in the Bankruptcy Law/PKPU. If the collateral is not successfully sold within two months, the right to enforce the collateral is transferred to the curator. It can be concluded that synchronization is necessary between the Mortgage Law and the Bankruptcy Law/PKPU to ensure legal protection for secured creditors.


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