Tennessee UCC filing fees structure confusing - missing something obvious?

That's helpful, thanks. So the additional debtor fee only applies to initial filings, not continuations or amendments?

Correct. Continuations and most amendments are flat $15 regardless of how many debtors are on the original filing.

Wait, I thought terminations were free in Tennessee? Or am I thinking of a different state?

Terminations are $15 in Tennessee. You might be thinking of states like Texas where they're free, but Tennessee charges for all UCC-3 filings.

Good to know about fixture filings. None of my current ones involve real estate but that'll be useful down the road.

Fixture filing fees vary so much state to state. In Georgia they add like $10 for fixtures but Tennessee keeps it simple.

Exactly. Tennessee's approach is pretty filer-friendly compared to states that nickel and dime you for every variation.

Planning to file online. Do they accept credit cards or is it ACH only?

They take credit cards. Processing is usually same day or next business day for online filings.

I second the online filing recommendation. Paper filings in Tennessee can take 2-3 weeks during busy periods.

Interesting, hadn't heard of that service. Does it work with Tennessee specifically or just general UCC rules?

It handles state-specific requirements including Tennessee's fee structure. Really helpful for double-checking before you submit, especially when you're dealing with multiple debtors or complex collateral descriptions.

I've been meaning to try something like that. Manual document review takes forever and it's easy to miss details.

Good point about certified copies. Do you typically order those at the time of filing or wait until you need them?

I usually wait unless the client specifically requests them upfront. You can always order them later through the online portal.

I'll have to dig around for that calculator. Would definitely be useful for client quotes.

I couldn't find that calculator last time I looked. Maybe they moved it or discontinued it?

It's possible they removed it. State websites change their layouts constantly.

That's reassuring. I hate when states have processing fees or other add-ons that aren't clearly disclosed upfront.

Tennessee is pretty transparent about their fee structure. What you see is what you pay.

Agreed. Tennessee is one of the more predictable states for UCC filing costs.

Perfect, that's exactly the kind of simple breakdown I needed. Two have single debtors, one has three debtors, so $15 + $15 + $17 = $47 total.

Exactly right. Tennessee makes it pretty easy once you understand the basic structure.

Much simpler than states that charge per page or have different rates for different collateral types.

Yes, that's exactly what it does. Upload your charter documents and UCC-1 together and it flags any name inconsistencies. Saved me from a rejected filing last month.

That would be huge. Name mismatches are my biggest worry with UCC filings.

Name consistency is critical. Even small variations can cause problems down the road if you need to enforce the lien.

Good to know there's a final verification step. Takes some of the guesswork out of it.

Right, and if the fee doesn't match what you expected, you can back out and review your filing before paying.

Glad it helped! This forum is great for getting real-world perspectives on filing procedures.

State websites can be confusing even when they're trying to be helpful. Nothing beats hearing from people who actually do the filings regularly.