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Isabella Silva

Texas UCC filing fees jumped again - anyone else seeing higher costs for continuations?

Just got hit with the new Texas UCC filing fees and wow, they've really increased from what I paid last year. I'm handling several equipment finance deals that need continuation filings before their 5-year marks, and the costs are adding up fast. Has anyone else noticed the Texas SOS fee increases? I'm trying to budget for about 15 UCC-3 continuations over the next few months, plus a couple new UCC-1 filings for some agricultural equipment deals. The online portal shows the current fees but I'm wondering if there are any bulk filing discounts or if certain filing types cost less than others. Also dealing with some fixture filings that might have different fee structures. Anyone have recent experience with Texas UCC filing fees and know if they vary by collateral type or if there are ways to reduce costs when doing multiple filings for the same debtor?

Yeah the Texas fees have definitely gone up. I think standard UCC-1 filings are around $15 now and continuations are the same. No bulk discounts that I know of - each filing gets charged separately even if it's the same debtor. Fixture filings might be a bit more but not by much.

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CosmosCaptain

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That sounds about right for the basic fees. The real pain is when you have to do amendments or corrections - those add up quick if you make mistakes on the initial filing.

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Wait are fixture filings really more expensive? I thought they were the same base fee but just required additional documentation.

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Omar Fawzi

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The fee increases are frustrating but what's worse is when filings get rejected for minor issues and you have to pay again. I had three UCC-1s rejected last month because of debtor name formatting problems - that's $45 down the drain just on rejected filings. Make sure your debtor names match exactly what's on the organizational documents or you'll be paying twice.

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Chloe Wilson

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This is so true! The Texas system is really picky about exact name matches. Even punctuation differences can cause rejections.

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Diego Mendoza

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I started using Certana.ai's document verification tool after getting burned on rejected filings. You just upload your charter docs and UCC forms and it flags any name inconsistencies before you submit. Saved me probably $200 in rejected filing fees over the past few months.

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How does that tool work exactly? Do you have to pay extra or is it part of some service?

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StellarSurfer

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From what I've seen, Texas UCC-1 initial filings are $15, UCC-3 amendments/continuations are $15, and terminations are also $15. Fixture filings have the same base fee but you might need to file in the real estate records too which would be additional county fees. The state doesn't offer volume discounts unfortunately.

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Sean Kelly

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That's helpful - so basically everything is standardized at $15 per filing. At least it's predictable for budgeting purposes.

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Zara Malik

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Don't forget about the expedited processing fee if you need faster turnaround. That adds another $10-15 I think.

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Luca Greco

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ugh tell me about it!! I had to do 8 continuation filings last week and the fees just kept adding up. Plus I messed up one debtor name and had to refile that one. The Texas portal doesn't make it easy to double-check everything before submitting either.

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Nia Thompson

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The portal interface could definitely be better. I always triple-check the debtor name field because those rejections are expensive mistakes.

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Have you tried doing a UCC search first to make sure you're using the exact same debtor name format? That usually helps avoid rejections.

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Aisha Hussain

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For agricultural equipment deals you mentioned, make sure you're not missing any specific requirements for farm-related collateral. Texas has some quirks with how agricultural collateral needs to be described that could affect your filings.

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Good point - these are mostly tractors and irrigation equipment. Do you know if there are special description requirements for that type of collateral?

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Agricultural equipment usually needs more detailed descriptions including model numbers and serial numbers when available. The generic 'farm equipment' description might not be sufficient.

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Ethan Brown

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I handle a lot of Texas UCC filings and the fees are pretty standard across the board - $15 per filing regardless of type. The key is getting everything right the first time. I use a checklist now that includes verifying debtor names against official documents, double-checking secured party information, and making sure collateral descriptions are specific enough. Saves money in the long run.

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Yuki Yamamoto

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A checklist is a great idea. Do you have any specific items you always verify for Texas filings?

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Carmen Ruiz

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I've been looking into automated verification tools since manual checking is so time-consuming. Found that Certana.ai can compare your UCC forms against charter documents to catch name mismatches before filing. Pretty helpful for avoiding those costly rejections.

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Does that tool work with Texas specifically or is it more general? Some states have really specific formatting requirements.

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Zoe Dimitriou

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The fee structure is consistent but watch out for additional costs if you need certified copies or if the filing gets rejected. I budget an extra 20% for unexpected costs on large batches of filings.

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QuantumQuest

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That's smart budgeting advice. Rejections can really throw off your cost projections.

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Also factor in time costs - rejected filings mean delays which can be expensive if you're up against perfection deadlines.

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Mei Zhang

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Just a heads up that fixture filings might require additional county-level filings depending on the property location. Those would be separate fees on top of the state UCC filing fee.

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Liam McGuire

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Good reminder about county fees. Those can vary quite a bit depending on which county you're filing in.

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Amara Eze

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Yeah and some counties require separate fixture filing forms while others accept the UCC-1 with addendum. It gets complicated.

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For continuation filings, just remember you need to file before the 5-year expiration date or you'll lose your perfected security interest. The $15 fee is way cheaper than losing your lien position.

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NeonNomad

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This is so important! I've seen lenders lose millions because they missed continuation deadlines. $15 is nothing compared to an unperfected lien.

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I keep a calendar with all my continuation dates marked 6 months in advance. Gives plenty of time to prepare and file without rushing.

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The Texas SOS website has a fee schedule that's pretty current if you want the official breakdown. But like everyone said, it's basically $15 across the board for most filing types. The consistency actually makes it easier to budget than some other states.

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True, at least Texas keeps it simple compared to states that have different fees for different collateral types or filing purposes.

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Dmitry Volkov

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Still wish they offered some kind of volume discount for law firms or finance companies that do hundreds of filings per year.

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Ava Thompson

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Have you tried reaching out to the SOS office about volume discounts? Might be worth asking even if it's not advertised.

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Lucy Taylor

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I've been dealing with the same Texas fee increases - it definitely adds up when you're doing multiple filings. One thing that's helped me manage costs is batching my filings strategically. While there's no official bulk discount, I try to prepare all my UCC-3 continuations at once so I can catch any errors before submitting. For your agricultural equipment deals, make sure you're being specific with the collateral descriptions - "John Deere Model 6120R Tractor, Serial #ABC123" rather than just "farm equipment." This reduces the chance of rejections which would cost you another $15 per filing. Also, I've started setting up email reminders 6 months before continuation deadlines to avoid any last-minute rush fees. The $15 per filing is frustrating but still cheaper than losing perfection!

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