Arizona UCC-1 filing - how to file a ucc-1 in arizona debtor name requirements?

Thanks, that's what I was thinking but wanted to confirm. Do you know if Arizona requires the registered agent info too or just the debtor's business address?

Just the mailing address is fine for the debtor address field. Registered agent isn't required on the UCC-1 form itself.

That's helpful. Should I be more specific about the construction equipment types or is the general description better?

General is usually safer - specific descriptions can create gaps if you miss something. But include serial numbers in your loan docs for the major pieces.

Agree with keeping it broad. We learned this the hard way when client bought additional equipment 6 months later and our collateral description was too narrow.

Interesting, never heard of that service. Does it work with Arizona's specific requirements or is it more general?

It cross-checks your documents against common filing requirements. Really helpful for catching those little name discrepancies that cause rejections. Just upload PDFs and it flags potential issues.

How accurate is it? I'm always skeptical of automated tools for legal filings.

It's not giving legal advice, just document consistency checking. But it caught a period vs comma issue in a debtor name that would have definitely been rejected.

Good point about the LLC number. Is that required or just helpful for processing?

It's not technically required but including it definitely helps avoid confusion if there are similar business names in the system.

The equipment is mostly mobile - excavators, trucks, etc. But some compressors and generators might stay on site for extended periods. How do I know if something counts as a fixture?

Generally if it's bolted down or permanently connected to utilities, it could be considered a fixture. Mobile equipment that just sits on a job site should be fine with regular UCC filing.

This is where having a good collateral description helps - cover your bases with language about equipment whether attached or unattached.

Any issues with processing times? I heard they were backed up a few months ago.

No delays that I've seen recently. Standard 24-48 hour turnaround for clean filings.

Good reminder. I'll make sure the loan docs reference 'all equipment as described in UCC-1 filing number XXX' or something similar.

Exactly. Cross-referencing between the documents helps establish the connection if there's ever a dispute.

Most of the equipment doesn't have titles - it's construction equipment, not road vehicles. But I'll double-check on a few pieces that might be borderline.

Good plan. When in doubt, file both to be safe. Better to over-perfect than under-perfect your lien.

Arizona DMV has a good list on their website of what equipment requires title vs UCC filing.

Seems like several people have found that useful. Might be worth trying before I submit.

Yeah, especially with your tight timeline. Better to catch issues before filing than deal with rejections and refiling.

Great point about the continuation reminder. I'll add that to my calendar system now.

Trust me, it's easy to forget and then you're scrambling to refile everything before your lien lapses.

Thanks everyone! This has been really helpful. I feel much more confident about getting this filed correctly.

Let us know how it goes. Always good to hear about successful filings.

That's a great tip about the search system! I didn't know you could verify the filing so quickly. Setting up an account makes sense too since we handle several equipment financings each month. Do you know if there's a cost for the account setup or is it just the per-filing fees?

Account setup is free - you just register with basic business info and they'll verify you within a day or two. After that it's just the standard $10 filing fee per UCC-1. The account dashboard also lets you track all your filings and get alerts when continuation dates are coming up, which is super helpful for managing multiple clients. Definitely worth it if you're doing regular filings.

That preview function sounds incredibly useful - wish more states had that feature! The point about consistent secured party naming is really important too. I've seen situations where slight variations in how the lender's name appears across multiple filings created confusion during enforcement. Good to establish a standard format early and stick with it across all your UCC filings.