A more thorough explanation:

Definition: Pigneratitia actio is a legal term that refers to a type of action in which a creditor can take possession of a debtor's property that has been pledged as collateral for a loan. This action allows the creditor to sell the property to recover the debt owed.

Example: If a person borrows money from a bank and pledges their car as collateral, the bank can use pigneratitia actio to take possession of the car if the borrower fails to repay the loan. The bank can then sell the car to recover the money owed.

Explanation: This example illustrates how pigneratitia actio can be used by a creditor to recover a debt by taking possession of the pledged property. In this case, the car is the collateral and the bank is the creditor. If the borrower fails to repay the loan, the bank can use pigneratitia actio to take possession of the car and sell it to recover the money owed.