(1) A secured creditor is not liable under this chapter if it:(1) established a reasonable procedure to achieve compliance with its obligations under this chapter;(2) complied with that procedure in good faith; and(3) was unable to comply with its obligations because of circumstances beyond its control.
(1) established a reasonable procedure to achieve compliance with its obligations under this chapter;
(2) complied with that procedure in good faith; and
(3) was unable to comply with its obligations because of circumstances beyond its control.