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 20 days
C) in all circumstances when the debtor willfully did not pay the debt
D) in all circumstances unless the secured party receives an appropriate notice within 20 days or in the case of consumer goods,if more than 60 percent of the price has been paid