Texas UCC Statement Service Termination Request Form - Need Help with Proper Filing

This is so true! I had a filing rejected because one document had 'Inc.' and the other had 'Incorporated' - drove me crazy for weeks trying to figure it out.

The Texas SOS system is notorious for this stuff. You'd think they could build in some tolerance for obvious variations but nope.

Good point about the filing number. I once spent three days trying to terminate a UCC only to realize I was using the wrong filing number from a different loan.

How do you check for invisible characters? That sounds like something that would be impossible to spot visually.

You can copy the text into a plain text editor like Notepad++ which will show hidden characters. But honestly, the easiest way is to use a document verification tool.

Never heard of that tool but it sounds useful. Is it specifically for UCC documents?

Yeah, it's designed for UCC document verification. You can upload your original UCC-1 and the termination statement and it cross-checks everything automatically. Really helpful for catching these kinds of formatting issues that cause rejections.

That would have saved me so much time on my last filing. I ended up having to get the bank to re-do the termination form three times before it finally went through.

Wait, they updated the form? When did this happen? I've been using the same form template for years.

Yeah, they made some changes to the layout and added a few new required fields. Check the form date - it should show 2023 or later.

Good luck getting through to them on the phone. Last time I tried it was like a 45 minute hold time.

I actually got through to them pretty quickly last week. Maybe try calling early in the morning right when they open.

The phone support is hit or miss but when you do get through they're usually pretty helpful with UCC issues.

This is important - make sure you're actually filing a termination and not an amendment. Termination removes the entire lien, amendment just changes part of it.

How do you know which one you need? The bank just sent me the form and said to file it.

If the loan is completely paid off and you want to release the entire lien, you need a termination statement. If you're just changing collateral or debtor information, that would be an amendment.

That's actually not a bad idea. Sometimes looking at paper copies shows things you miss digitally.

I do this too, especially for important filings. Digital comparison tools are great but sometimes the old fashioned way catches things.

This is a good point. The bank should be the one filing the termination or at least authorizing it with their signature.

Can the debtor file a termination themselves if they have authorization from the lender?

Yes, but you need proper authorization from the secured party. Usually they'll send you a signed termination statement that you can file on their behalf.

That's frustrating. You'd think any PDF would work but apparently not.

I've noticed this with other states too. Some filing systems are really picky about PDF format and quality.

That sounds really useful for avoiding these kinds of problems. Is it easy to use?

Super easy - just upload your PDF documents and it does the comparison automatically. Much faster than trying to spot tiny differences manually.

I might have to try that. I've wasted so much time on filing rejections that could have been caught upfront.

Good luck! Let us know what you find - it might help others with similar issues.

Hope you get it sorted out. UCC terminations should be simple but somehow they never are.

Definitely update us when you figure out what was causing the rejection. These kinds of posts are really helpful for people dealing with the same problems.