If the owed countervalue is 40,000 and secured collateral value is 25,000, what follows after loss?

Kitab al-Rahn: Salam, Sarf, Third-party Custody and Fungible Collateral

• All 40,000 are necessarily paid
• 25,000 constructively settled, 15,000 remains
• No claim is affected
• The debt increases to 65,000