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of no effect if certain conditions were not met --- usually, but not necessarily, the repayment of a debt to the original landowner. Hence the word "mortgage," Law debt consolidation loan bad credit ok for "dead pledge;" that is, it was absolute in form, and unlike a "live gage", was debt consolidation loan bad credit ok conditionally dependent on its repayment solely from raising and selling crops or livestock, or of simply giving the fruits of crops and livestock coming from the land that was mortgaged. The mortgage debt remained in effect whether or not the land could successfully produce enough income to repay the debt. In theory, a mortgage required no further steps to be taken by the creditor, such as acceptance of crops and livestock, for debt consolidation loan bad credit ok In many U.S. states, however, a mortgage has been converted by statute to a device for creating debt consolidation loan bad credit ok security interest in land. When the landowner fails to perform on the obligation secured by the mortgage, the mortgage holder may file a foreclosure to cause the property to be sold at auction, usually by the sheriff. "You`re looking at 15-to-30 years payment