<![CDATA[ In this case the debtor commits a default making the insurance company as a creditor feel harmed. The rule of law is required in the implementation of the burden of Dependent Rights in order to protect creditors against debtors who default by using the Deed of Granting Of Dependent Rights (APHT). The formulation of the problem is how legal protection to the Insurance Company as a creditor when the individual debtor defaults with the guarantee of dependent rights through APHT in accordance with the provisions of Law No. 4 of 1996 on Dependent Rights (UUHT), and how the execution of Dependent Rights in accordance with the provisions of the UUHT and the interpretation of provisions in the UUHT with the Deed of Granting of Dependent Rights. The approach method is juridical normative, the research specification is descriptive analysis and data collection techniques using interviews and literature studies.The implementation of binding agreement with the guarantee of Dependent Rights in PT XXX is carried out in accordance with the agreement of both parties contained in the Deed of Borrowing, Power of Attorney To Impose Dependent Rights (SKMHT) and APHT before a Notary/PPAT. Settlement of Default by Using Dependent Rights in PT XXX is carried out using notification letter, warning letter and somasi letter. In UUHT that provide legal protection to creditors as holders of dependent rights when the debtor defaults, namely Article 1 number 1, Article 6, Article 14 paragraph (1), (2), (30), Article 20 paragraph (2), (3), Article 11 paragraph (2), and Article 7. In this research, the creditor has carried out the execution of the object of dependent rights in accordance with Article 20 UUHT is the creditor will conduct a public auction of the object of dependent rights as the repayment of his receivables...]]>
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