Creditors have liens or mortgages with the debtor.

d

explanation:

civil rights vs. civil liberties. civil liberties are basic freedoms while civil rights are the basic right to be free from discrimination based on such characteristics as race, disability, color, gender, national origin, and others. discriminating against an employee on the basis of gender is a civil rights violation.

both focus ón people who behave in a risky way and çause accídeñ both explaín how to púrchase insurance añd cover the costs of premium. both describe what happened when consumers fail to pay their premíums in time