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Section 1309.515 | Duration and effectiveness of financing statement - effect of lapsed financing statement - UCC 9-515. (A) Except as otherwise provided in divisions (B), (E), (F), and (G) of this section, a filed financing statement is effective for a period of five years after the date of filing.
Through Ohio Business Central, you can file your UCC-1 and UCC-3 statements online, obtain and request publications and search existing filings. If you have further questions regarding corporate filings, please call 877.767. 3453 or email I wish you the best of luck in starting your business.
If two or more creditors are properly perfected, then the priorities among such competing secured creditors is spelled out in the UCC, but the general rule is that the first to perfect has priority, whether the competing security interests and liens are consensual or nonconsensual.
Conflicting Unperfected Security Interests: When two or more secured parties have unperfected security interests in the same collateral, generally the first to attach has priority.
UCC-1 is completed upon the purchase or refinance of a property at closing and remains valid for 5 years from the date of filing. UCC-3 is an amendment or continuation statement that the owner files to renew the UCC-1 for another 5-year period.

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Perfected security interests have priority over an unperfected security interest. Further, the priority between perfected security interests is in the order of their registration, with the first registered security interest having the highest priority.
The UCCs general rule is that a financing statement remains valid for a period of five years from the date of filing. Unless a continuation statement is properly filed before expiration of the five year period, the effectiveness of the financing statement will lapse.
Foundations of Law: Creditors Rights and Secured Transactions. While granting a security interest gives a creditor rights against the borrower to seize the collateral property, perfecting a security interest gives the creditor superior rights to other creditors.
A perfected security interest is any secure interest in an asset that cannot be claimed by any other party. The interest is perfected by registering it with the appropriate statutory authority, so that it is made legally enforceable and any subsequent claim on that asset is given a junior status.
Below are the most common types of automatically perfected security interest: Purchase Money Security Interests in Consumer Goods, Purchase Money Security Interests in Non-Consumer Goods, Perfection in Proceeds from the Sale of Goods, and. Assignments of Accounts Receivable and Contract Rights.

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