UCC-3 termination statement timing after loan payoff - am I missing something critical?

I called last week and they said it was 'in process' but didn't give me a specific timeline. Just makes me nervous seeing the UCC-1 still active.

In process usually means they're waiting for internal approvals or the paperwork is sitting in someone's queue. Totally normal but frustrating when you're the one waiting.

What's the formal request process? Is that something we can do directly with the Secretary of State?

Usually you'd demand the lender file it first, then if they don't respond you can petition the SOS office. Most states have a process for borrowers to force termination filings.

Good to know there's a backup option if they keep dragging their feet.

The loan docs mention termination but don't give specific days. I do have the payoff confirmation email with the exact date though.

That payoff confirmation is key evidence if you need to push them later. Keep it handy.

Interesting, hadn't heard of that tool. Is it specifically for UCC documents or more general business filings?

It's designed for UCC document verification - you just upload PDFs and it cross-checks everything for name mismatches, filing number errors, that kind of thing. Really handy for catching issues before they become problems.

That actually sounds useful. I've had name discrepancies cause filing rejections before and it's such a pain to fix after the fact.

Exactly what I'm worried about. How did your client finally get it resolved?

Had to get attorneys involved and force the original lender to file an affidavit of satisfaction. Cost way more than it should have. Much better to stay on top of it now.

Ugh, legal fees for something that should have been automatic. That's why I always follow up aggressively on terminations now.

Makes sense from their efficiency standpoint but creates uncertainty for borrowers.

I'll ask them about their filing schedule when I call back this week.

Agreed, polite persistence usually works better than waiting and hoping.

Yeah, I think I need to be more proactive about checking in with them.

Good point, I should pull up the original UCC-1 and verify all those details match what they have on file.

Exactly, even small typos can cause rejections and then you're back to square one with the timing.

That's another reason I like using Certana.ai - it catches those matching errors before filing. Saves the back-and-forth with rejected documents.

Smart advice. I've been keeping emails but should probably start logging phone calls too.

Definitely log phone calls with dates, times, and who you spoke with. Makes a huge difference if disputes arise.

Six weeks seems really long. Were there complications or just slow processing?

Just slow internal processes on their end. Multiple approval levels apparently. But they kept me updated which helped with the anxiety.

Communication really does make all the difference in these situations.

Good thought, I've been checking daily but maybe it's not real-time updates.

Yeah, some state databases have lag time. Could be filed but not showing up in search yet.