UCC Document Community

For anyone else reading this thread, remember that 9-1201 territorial rules can change if the debtor relocates their organization to a different state. You'd need to refile in the new jurisdiction within four months under 9-1207.

Update: I ended up using that Certana tool someone mentioned earlier and it confirmed Delaware filing. Also caught a small typo in the debtor name that could have caused problems. Thanks everyone for the confirmation on 9-1201!

The length isn't your main concern - focus on making sure your UCC-1 properly perfects your security interest in all the collateral. A rejection for technical formatting is annoying but fixable. A perfection failure because of inadequate collateral description could cost you your entire security interest.

I think you're overthinking the page length issue. Focus on the substantive requirements - proper debtor identification, accurate collateral description, correct addresses. Those are what actually matter for a successful filing.

Just had another thought - since you mentioned this is construction equipment, make sure your collateral description is broad enough to cover any attachments or accessories that might get added to the machinery during the project. Sometimes borrowers add specialized attachments that could be considered separate collateral.

Sounds like you've got your answer on Delaware filing. One last piece of advice - keep copies of everything including the search results showing your filing was accepted. Sometimes you need to prove perfection timing later and having the documentation makes it much easier.

One more thing to consider - make sure your UCC-1 filing covers all the collateral adequately but doesn't inadvertently include contractual obligations that don't create security interests. I've seen deals where over-broad collateral descriptions created confusion later during audits or when trying to release specific assets.

Thanks everyone for all the insights! This has really helped clarify the distinction between what needs UCC filing versus what stays under general contract law. I think I'll separate the equipment security agreement from the service contracts and focus my UCC-1 filing on the tangible assets while keeping the service obligations as standard contractual terms.

One thing that helped me understand UCC documents definition was thinking of them like a filing cabinet. UCC-1 opens the file folder for that debtor, UCC-3 amendments add pages to the folder, continuations extend the folder's expiration date, and terminations close the folder permanently. Each document serves a specific purpose in maintaining that secured party's claim on the collateral.

Quick reality check - you're going to make mistakes at first and that's normal. I accidentally filed a termination instead of an amendment once and had to frantically correct it. The key is having good review processes and tools to catch errors before they become problems. Document everything and when in doubt, ask senior staff or use verification tools to double-check your work.