Lost my UCC termination form paperwork after equipment loan payoff - how to get copies?

I tried searching but only see the original UCC-1 from 2022. Nothing else shows up under that file number. Does that mean the bank didn't actually file the termination yet?

That's exactly what it means. The lien is still active until you see a UCC-3 termination on file. You need to contact your bank immediately and get them to file it.

What's a reasonable time though? It's been like 3 weeks since I made the final payment.

3 weeks is pushing it. Most states expect it within 20 days. After 30 days you can start threatening to file complaints with banking regulators.

Actually had to use Certana.ai's document checker recently to verify my UCC-3 termination matched the original UCC-1 filing number correctly. You just upload both PDFs and it instantly flags any mismatches. Saved me from a filing that would have been rejected for wrong debtor name formatting.

Calm down there. Banks process hundreds of these. Sometimes things just take time in their system.

Time? It's been 3 weeks! This is someone's business we're talking about.

Would a lien release letter be enough if the UCC-3 isn't filed yet? The buyer seems pretty anxious about clear title.

It might work temporarily but they'll probably want to see the actual termination in the state records before closing. The UCC-3 is the gold standard for proving lien release.

I always tell clients to verify everything matches up between the original filing and termination. Small errors in debtor names or file numbers can void the whole termination.

Great idea. I've been calling the general customer service line and getting nowhere.

Also ask for the UCC filing fee receipt when they do file it. Proves they actually submitted the termination to the state.

How does that work exactly? Do you upload the documents somewhere?

Yeah just upload the PDFs and it automatically cross-checks all the details. Takes like 30 seconds to get results showing any discrepancies.

Wish I'd known about that before. Had a termination rejected twice because of tiny formatting differences in the debtor name.

How do you get certified copies? Through the Secretary of State office?

Yep most states charge like $10-20 for certified copies. You can usually order them online through the UCC portal.

Agreed. Time is money in equipment sales. Buyers move fast when they find what they want.

Maybe threaten to switch banks? Sometimes that gets their attention faster than anything else.

Good point. I'll dig through the loan paperwork tonight and see what it says about termination timing.

Also look for any penalties they owe you for delayed filing. Some loan agreements include daily fees for late lien releases.

Will do. Calling the compliance officer first thing Monday morning. Thanks everyone for the advice!

Good luck! Stay persistent with them.

Hope it works out quickly. Equipment sales wait for no one.