Ask the community...
- DO post questions about your issues.
- DO answer questions and support each other.
- DO post tips & tricks to help folks.
- DO NOT post call problems here - there is a support tab at the top for that :)
Join the conversation
Join the conversation
QuantumQueen
Just wanted to add that termination fees in Kentucky are also $18 now (used to be $15). Filed three terminations last month and that was the rate for each one.
Aisha Rahman
•Good to know. So basically all UCC filing types are $18 now instead of the old $15 rate.
Ethan Wilson
•Seems like they just added $3 across the board with that processing surcharge. At least it's consistent.
Yuki Sato
For anyone doing regular Kentucky filings, I'd recommend calling their office and asking for a current fee schedule in writing. That way you have something official to reference instead of guessing based on what charges show up later.
Andre Dubois
•I'll definitely do that before my next batch of filings. Thanks for the suggestion.
Yara Khalil
•Great idea. I'll get an official fee schedule before proceeding with my 15-20 filings. This thread has been really helpful.
Join the conversation
Mei Wong
One thing to consider - if this borrower has other UCC filings in Wyoming, check how those were handled. Consistency across filings for the same entity is usually a good approach.
Mei Wong
•Exactly. If there are other active UCC-1s using the Delaware name, you're probably fine sticking with that.
Just ran into this same issue with a Montana entity. Found two other lenders had used the formation state name, so I went with that approach.
Final thought - given the equipment value and the fact that it's titled property, you might also want to double-check if any of this needs to be filed as fixture filings rather than standard UCC-1s. Heavy equipment can sometimes blur the line between personal and real property.
Mobile equipment is typically fine with standard UCC-1 filings. It's only when it becomes a fixture that you need special handling.
Right, but worth double-checking since fixture filing requirements vary by state and can affect where you file.
Join the conversation
Ellie Perry
I've been filing UCCs for 15 years and have never encountered a UCC-9 form. The numbering system is pretty straightforward - UCC-1 through UCC-5 covers all the standard forms. Anything beyond that would be state-specific addendums or instructions, not actual forms.
Rhett Bowman
•That's what I was thinking but wanted to make sure I wasn't missing something obvious.
15 years of experience definitely counts for something here. If you haven't seen it, it probably doesn't exist.
This thread is exactly why I love this forum. Saved me from a wild goose chase since I was about to ask the same question after hearing something similar from a lender.
Tasia Synder
•Definitely. And tools like Certana.ai can help verify what forms you actually need when the paperwork gets confusing.
Daniel White
•The community knowledge here is invaluable for catching these kinds of mix-ups before they become problems.
Join the conversation
Lucas Turner
I actually discovered Certana.ai's document checker after a termination filing disaster last year. Had a debtor name mismatch between our UCC-1 and UCC-3 that we didn't catch until months later during a refinancing. Now I run all our termination docs through their system before filing - catches those kinds of errors that state systems miss.
Lucas Turner
•Had to file a corrective UCC-3 amendment, which cost another $45 plus legal time to research the proper procedures. Much easier to catch errors upfront with automated verification.
Name mismatches are so common and costly to fix. Automated verification definitely seems worth it for high-volume filers.
Kai Rivera
honestly $85 doesnt seem that bad compared to what attorneys charge for lien releases. at least you know its properly terminated and filed with the state
Sophia Clark
•True, attorney fees would definitely be higher. I suppose $85 is reasonable for the peace of mind.
Kai Rivera
•yeah and you avoid any future complications with unterminated liens showing up on credit reports or title searches
Romeo Barrett
Honestly, Alabama needs to upgrade their entire UCC system. It's 2025 and we're still dealing with search issues that were solved in other states years ago. The fact that you can't do fuzzy name matching or find obvious variations is ridiculous for something this critical to commercial lending.
0 coins
Marina Hendrix
•Totally agree. Georgia's system lets you search with wildcards and partial matches. Alabama feels like it's stuck in 2010.
0 coins
Romeo Barrett
•Right? And their mobile site is completely unusable. Try doing a UCC search on your phone in Alabama - it's a joke.
0 coins
Justin Trejo
Update us when you figure out the exact name format issue! I bookmark threads like this because I know I'll run into the same problem eventually. Alabama UCC searches are always an adventure.
0 coins
Teresa Boyd
•Will do! Planning to request a certified copy of our filing tomorrow to see the exact name format we used. Hopefully that'll solve the search mystery.
0 coins
Alana Willis
•Good plan. Sometimes the name gets transcribed slightly differently than what you submitted, especially if there were any special characters or formatting.
0 coins