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how do I obtain a security interest in personal property hi my name is DM Cole and Im an attorney with bokki nerman law office were located in new Richmond in Menomonie Wisconsin there are two steps to obtain a security interest in personal property owned by a debtor attachment and perfection attachment occurs when the debtor grants the security interest to the creditor thats usually completed by the debtor executing a general business security agreement or specific collateral security agreement a properly executed attachment makes the agreement binding between the debtor and the creditor perfection is the second step and is important to preserve your rights against other third party claimants depending on the collateral perfection may be completed by filing a UCC one sometimes referred to as a financing statement by having your name on a title such as listing it as the secured party on a car title or by actually possessing the collateral such as a stock certificate in a closely hel
