A Creditor Who Has Repossessed Collateral May Choose to Retain

A creditor who has repossessed collateral may choose to retain it:

A) in all circumstances.
B) in all circumstances, unless the secured party receives an appropriate notice within twenty-one days.
C) in all circumstances where the debtor willfully did not pay the debt.
D) in all circumstances, unless the secured party receives a written objection to the proposal from a person entitled to receive notice within twenty days after the notice was sent, or the debt involves consumer goods and the debtor has paid sixty percent of the cash price or loan.
E) in all circumstances, unless the secured party receives an appropriate notice within thirty days.