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In addition to filing with the state, the UCC is filed with the County office that holds the county real estate records for the property. Filings for ownership entities are made in the state where the entity is registered. Filings for individuals are made in the state in which the individual resides.
Introduction to UCC e-Filing Only initial financing statements (using the Electronic UCC Financing Statement form) and amendments (using the Electronic UCC Financing Statement Amendment form) can be filed using the UCC e-Filing system.
Uniform Commercial Code (UCC) filings allow creditors to notify other creditors about a debtors assets used as collateral for a secured transaction. UCC liens filed with Secretary of State offices act as a public notice by the creditor of the creditors interest in the property.
In all cases, you should file a UCC-1 with the secretary of states office in the state where the debtor is incorporated or organized (if a business), or lives (if an individual).
The UCC filing establishes a lien against the collateral the borrower uses to secure the loan giving the lender the right to claim that collateral as repayment in the case of default. However, in many cases, the terms UCC lien and UCC filing are used interchangeably.
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A UCC filing gives other lenders notice that the lender has a first-position lien on collateral if the borrower defaults on their loan. A subsequent lender can take a second-position lien against the same collateral, but will only be able to seize that collateral if the first-position lien has already been satisfied.

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