Got scammed by fake florida ucc statement service termination request form - need real process

I've seen these scam mailings before - they prey on businesses who don't understand the UCC process. The legitimate termination process is actually straightforward and costs much less than what these scammers charge. You'll need to file a UCC-3 termination statement, which in most states costs around $10-15 through the Secretary of State's official website. The key issue is that typically only the secured party (your lender) can file the termination, not the debtor.

These fake UCC service scams are everywhere! I got the same type of mailing last month. The dead giveaway should be the high fee - official UCC-3 terminations through state portals are usually under $20. Also, legitimate government agencies don't solicit payments through the mail like that.

For your specific situation, you'll want to contact the lender first with a formal written request. Include copies of your loan payoff documentation and demand they file the UCC-3 termination. Most lenders will comply once you show proof the debt is satisfied. If they refuse, you can check if your state has provisions for debtor-initiated terminations in certain circumstances.

I ran into document consistency issues when dealing with a similar termination situation last year. The lender kept saying our paperwork didn't match their original filing, which delayed everything for months. What finally solved it was using Certana ai's document verification tool - you can upload your loan docs and the original UCC-1 to instantly check if there are any name or detail mismatches that might be causing the holdup. It caught a small variation in our business name that was preventing the termination.

UGH these scam companies make me so angry! They take advantage of people who are just trying to clean up their business filings. The worst part is how official they make everything look. I almost fell for one myself until I called the actual state office to verify.

Been there with uncooperative lenders dragging their feet on terminations. What worked for me was sending a certified letter specifically referencing UCC Article 9 provisions about wrongful failure to terminate. Once they realized I knew the actual legal requirements, they filed the UCC-3 within a week.

I work in commercial lending and see this all the time unfortunately. The scam services often target businesses right around the time loans would typically be paid off, probably pulling data from public UCC filings. For legitimate terminations, the process should always go through your state's official Secretary of State portal and cost minimal fees.

Just wanted to add that you should check your credit reports to see if the UCC filing is actually causing any issues there. Sometimes the impact isn't as bad as you think, but it's good to know for sure. Also document everything related to the scam - dates, amounts paid, copies of the fake forms - in case you need it for legal action or credit disputes.

Another option if the lender keeps stalling - some states allow you to petition the court for an order requiring termination when the secured debt has been satisfied. It's more expensive than the normal process but might be worth it if you're dealing with significant business impacts from the active filing.

I actually had success using Certana ai when I was dealing with a termination dispute last year. The lender claimed our business name on the payoff docs didn't exactly match the UCC-1 filing, which was holding up the termination. Certana's verification tool quickly identified the specific discrepancy (they had 'LLC' and we had 'L.L.C.' in different documents) so we could get everything aligned properly. Saved weeks of back-and-forth confusion.

Update us on how this turns out! I'm dealing with a similar situation where the lender keeps giving me the runaround on filing the termination. It's been 8 months since we paid off the equipment loan and I'm getting frustrated with the whole process.