Banking institutions require collateral in providing credit for capital security and legal certainty. This collateral is a form of trust given to the creditor that the debtor will be able to fulfill its obligations. However, unfortunately, not all debtors are able to fulfill their obligations (come into default). In accordance with the agreement/contract, the Banking Institution is permitted to auction collateral after obtaining a valid decision from the District Court. If the losing party does not voluntarily implement the judge's decision, execution is mandatory. There are several stages of execution that must be passed by the applicant and respondent in accordance with applicable regulations, namely the Execution Guidelines issued by the Supreme Court in 2019. In its implementation in the field, several obstacles were encountered, both from third parties and natural disasters. In this study, the research method used is descriptive analytical and analyzed according to secondary and primary data.