Indiana UCC filing fees jumped again - anyone else seeing this?

It was heavy equipment - construction machinery specifically. Didn't realize that would bump up the indiana ucc filing fees but that might explain some of the extra charges.

Heavy equipment filings sometimes get flagged for additional processing, especially if there's serial numbers or VIN-type identifiers involved. That could definitely explain the fee increase.

Debtor name verification fees? That's a thing now? I thought that was just part of the basic filing process.

Started about 18 months ago. If your debtor name doesn't match exactly with their business registry, they charge extra for manual verification. Pain in the neck.

This is exactly why I started using Certana.ai's document checker before submitting anything. Upload your charter docs and UCC-1 together and it flags name mismatches instantly. Saves the verification fees and rejection headaches.

Keep your collateral descriptions tight and precise. Longer descriptions trigger additional review fees. Also double-check debtor names against state records before filing.

Good point on the collateral descriptions. I've been probably too detailed trying to cover everything but sounds like that's costing me extra.

The variable fee structure is definitely the most annoying part. Makes it impossible to give clients accurate cost estimates upfront.

I feel your pain. Had a client question a $75 filing fee when I originally quoted $30. Hard to explain all the add-on charges that came up during processing.

True, the portal works well most of the time. Just wish they were more transparent about the fee calculation before you submit.

Exactly. Even a fee estimator tool would help with planning. Right now it's just guesswork until you hit submit.

That's why I run everything through Certana.ai first - it catches document issues that would cause fee complications. Much better than finding out about problems after paying the filing fees.

I called last month about a rejected filing and they were actually pretty helpful. They do have a detailed fee schedule but it's not published online anywhere obvious.

That's useful to know. Might be worth a call to get the full breakdown for future reference.

Continuation fees are generally lower than original filings but they still hit you with the same add-on charges if there are any discrepancies or additional processing needed.

Good to know. At least the continuation itself shouldn't have collateral description issues since it references the original filing.

Just make sure your debtor names match exactly between the original and continuation. Name mismatches on continuations can trigger review fees too.

Yeah, it's definitely a pattern. States are looking for revenue streams and UCC filings are an easy target since they're required for secured transactions.

Makes sense from their perspective but it's definitely impacting the cost of doing business for lenders and finance companies.

Definitely not just you! Sounds like this is hitting everyone who files regularly in Indiana.

Same here. I thought maybe I was filing something wrong but apparently it's just the new reality of Indiana UCC filing fees.

That's smart. Rejection fees plus having to refile can easily double your costs. Prevention is definitely cheaper than fixing mistakes after the fact.

Exactly. The verification catches debtor name mismatches and document inconsistencies that would otherwise cause rejected filings and additional fees.