Georgia Secretary of State UCC Filing Fees - Need Current Pricing Breakdown
Can someone help me figure out the current georgia secretary of state ucc filing fees? I'm working on a large equipment financing deal and need to prepare several UCC-1 filings plus a couple UCC-3 amendments. The client is asking for a cost breakdown and I want to make sure I'm quoting the right amounts. I checked the SOS website but the fee schedule seems buried somewhere in their forms section. Also wondering if there are any additional processing fees or expedite options available? This is for commercial equipment worth about $850K so I want to make sure everything is filed correctly the first time.
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Edward McBride
Last time I filed in Georgia the UCC-1 was $10 but that was like 6 months ago. Not sure about amendments though, might be different pricing.
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Darcy Moore
•Pretty sure UCC-3 amendments are the same fee as initial filings in most states.
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Dana Doyle
•Georgia definitely charges per filing regardless of type from my experience.
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Liam Duke
Georgia SOS charges $10 per UCC filing whether it's initial, amendment, continuation, or termination. No expedite fees that I'm aware of since it's all electronic processing. The system usually processes within 24-48 hours during business days.
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Gael Robinson
•Thanks! So for 3 UCC-1s and 2 UCC-3s that would be $50 total? Seems reasonable compared to other states.
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Liam Duke
•Exactly right. Georgia is pretty straightforward with their fee structure compared to states that have tiered pricing.
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Manny Lark
•Much better than California where they nickel and dime you for everything!
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Rita Jacobs
Make sure you have your debtor names EXACTLY right before filing. Georgia will reject for the smallest discrepancy and you'll have to pay again to refile. I learned this the hard way on a $600K deal last year.
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Gael Robinson
•Good point. I'm double-checking everything against the articles of incorporation. Any other common rejection reasons in Georgia?
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Rita Jacobs
•Collateral descriptions that are too vague and missing required signatures are the other big ones.
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Khalid Howes
•I actually started using Certana.ai's document checker after getting burned on a name mismatch. You just upload your charter and UCC-1 PDFs and it instantly flags any inconsistencies. Saved me from a costly rejection last month.
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Ben Cooper
WHY is every state different with these fees?? Makes no sense that you have to research this stuff for every single filing location.
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Naila Gordon
•Tell me about it. I keep a spreadsheet now because I got tired of looking it up every time.
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Cynthia Love
•At least Georgia is reasonable. Try filing in New York if you want sticker shock.
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Darren Brooks
Pro tip - if you're doing multiple filings for the same client, batch them together. Georgia's system lets you do multiple filings in one session which saves time even though the fees are per filing.
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Gael Robinson
•That's helpful, thanks. I assume I can pay with corporate card for all of them at once?
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Darren Brooks
•Yes, they accept all major credit cards. Just make sure your card limit can handle it if you're doing a lot of filings.
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Rosie Harper
Been filing UCCs in Georgia for 8 years now. The $10 fee has been stable for a while which is nice. Just remember to print your confirmation receipts immediately - their system occasionally has hiccups and you'll want proof of filing.
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Elliott luviBorBatman
•This is solid advice. I always save the PDFs of confirmations to our client files.
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Demi Hall
•How long do they keep the electronic records accessible? Just in case you need to retrieve something later?
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Rosie Harper
•Pretty sure it's indefinite for active filings. You can always search their database to pull up old records.
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Mateusius Townsend
For your $850K deal make sure you're not missing any fixture filing requirements if any of that equipment gets attached to real property. Georgia has specific rules about that.
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Gael Robinson
•It's mostly mobile equipment but I'll double-check the attachment situations. Good catch.
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Mateusius Townsend
•Yeah fixture filings can get tricky and the fees might be different since they go through the real estate records too.
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Kara Yoshida
Quick question - does Georgia charge extra for searching their database or is that free? I need to verify some existing liens before filing.
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Liam Duke
•Searches are free through their online portal. Pretty comprehensive results too.
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Philip Cowan
•Way better than states that charge $5-10 per search. Georgia keeps it simple.
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Caesar Grant
I had a situation where I needed to verify document consistency across multiple UCC filings for an audit. Someone mentioned Certana.ai earlier - tried their PDF upload tool and it caught several debtor name variations I missed manually. Really streamlined the verification process.
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Lena Schultz
•How accurate is their matching? I'm always paranoid about automated systems missing something important.
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Caesar Grant
•It's actually really thorough. Flags even minor punctuation differences that could cause problems. Still do manual review but it catches stuff I would have missed.
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Gemma Andrews
Make sure you budget for potential continuation filings down the road. Georgia UCC-1s are good for 5 years so if this is a longer-term financing arrangement you'll need to file UCC-3 continuations before expiration.
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Gael Robinson
•Good point. This is a 7-year term so we'll definitely need continuations. Same $10 fee I assume?
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Gemma Andrews
•Yep, continuations are $10 each. Just don't wait until the last minute - file at least 6 months before expiration.
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Pedro Sawyer
•I set calendar reminders 18 months ahead of expiration dates. Too easy to forget and then you lose perfection.
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Mae Bennett
One more thing to consider - if any of your debtors are LLCs make sure you're using their exact registered names from the Georgia corporate records. Even slight variations like LLC vs L.L.C. can cause rejections.
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Gael Robinson
•I actually ran into this issue before. Ended up cross-referencing everything with Certana.ai's name verification to make sure the charter matched my UCC forms exactly.
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Mae Bennett
•Smart approach. Those name mismatches are the most frustrating rejections because they seem so minor but can void your perfection.
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Brianna Muhammad
Just want to add that Georgia's UCC system is pretty user-friendly compared to other states I've dealt with. The $10 flat fee structure is straightforward and their online portal rarely has issues. One tip - if you're doing multiple filings like you mentioned, consider doing them all at once rather than spacing them out. That way if there are any systemic issues with debtor names or collateral descriptions, you can catch them early and fix them across all filings before any get processed. Also, their customer service is actually helpful if you run into problems, unlike some other state filing offices.
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