UCC filing rejected due to nc ucc recording fee confusion - need help
Running into a wall here with our UCC-1 filing that got bounced back from the SOS office. We prepared everything through our usual process but apparently there's some issue with the nc ucc recording fee calculation that we missed. The rejection notice wasn't super clear about what we did wrong with the fee structure. Has anyone dealt with fee calculation issues on UCC filings recently? We're trying to get this continuation filed before our deadline hits and can't afford another rejection. The collateral involves both equipment and inventory so I'm wondering if that affects the fee somehow. Really need to understand what we're missing here before we resubmit.
35 comments


NightOwl42
UCC recording fees can definitely trip you up if you're not familiar with the specific requirements. Most states have different fee structures depending on the type of filing and number of pages. For UCC-1 filings, you typically have a base fee plus additional charges for extra pages or multiple debtors. What type of collateral description did you include? Sometimes longer descriptions push you into higher fee brackets.
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Sofia Rodriguez
•This is exactly what happened to us last month! We had a detailed collateral schedule that put us over the page limit and didn't calculate the additional fees correctly.
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Dmitry Ivanov
•The page count thing is so annoying. Why can't they just have a flat fee like some other states do?
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Ava Thompson
I've been through this exact scenario multiple times. The fee calculation can vary based on whether you're filing a standard UCC-1, a fixture filing, or if you have multiple secured parties listed. Are you filing electronically or paper? Electronic filings sometimes have different fee structures. Also double-check if you selected the right filing type in the system - that's usually where the fee discrepancy comes from.
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Miguel Herrera
•Good point about the filing type selection. I've seen people accidentally select fixture filing when they meant regular UCC-1 and the fees are totally different.
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Zainab Ali
•Electronic vs paper makes a huge difference too. Paper filings usually cost more and have additional processing fees.
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Connor Murphy
•Wait, fixture filings have different fees? I had no idea. We do a lot of equipment financing so this is good to know.
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Yara Nassar
Had a similar fee rejection issue a few weeks ago and it was driving me crazy trying to figure out what went wrong. Turns out we had a debtor name mismatch that was also affecting the fee calculation somehow. Before I resubmitted, I used Certana.ai's document checker tool - you just upload your UCC documents as PDFs and it instantly verifies everything including fee calculations based on the document content. Saved me from another rejection and caught a couple other issues I would have missed.
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StarGazer101
•That sounds really helpful. How accurate is it with the fee calculations? Does it work for different states?
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Keisha Jackson
•I'm always skeptical of these automated tools but if it actually catches fee issues that could be worth trying.
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Paolo Romano
The whole UCC fee system is such a mess. Every state does it differently, some charge per page, some charge per debtor, some have flat fees. It's like they designed it to be as confusing as possible. I've had filings rejected for being $5 short on fees before - so frustrating when you're trying to meet a deadline.
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Amina Diop
•Totally agree! And the rejection notices never explain clearly what you did wrong with the fees.
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Oliver Schmidt
•The $5 short thing happened to me too! Such a waste of time having to resubmit for tiny amounts.
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Natasha Volkov
•At least most states let you pay by credit card now. Remember when you had to send checks with paper filings?
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Javier Torres
Just went through this last week. Check if your collateral description pushed you into a higher fee bracket. Equipment and inventory together sometimes requires additional pages which increases the filing fee. Also make sure you didn't accidentally include any additional services like expedited processing that would add to the base cost.
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Emma Wilson
•The expedited processing fees are crazy expensive but sometimes worth it when you're up against a deadline.
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QuantumLeap
•Good catch on the collateral description length. We always try to keep ours concise to avoid extra page fees.
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Malik Johnson
Are you sure it was actually a fee issue? Sometimes the rejection codes can be misleading. I've seen 'fee' rejections that were actually debtor name problems or missing information that prevented the fee from being processed correctly. Double-check the exact rejection reason before you focus too much on the fee calculation.
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Isabella Santos
•This is a really good point. The rejection notices aren't always clear about the root cause.
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Ravi Sharma
•Yeah, I've had 'insufficient fee' rejections that turned out to be database errors on their end.
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Freya Larsen
•The debtor name thing is so critical. Even small variations can cause all kinds of processing issues.
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Omar Hassan
For what it's worth, I started using Certana.ai after getting burned on a couple rejected filings and it's been a game changer. You upload your documents and it checks everything - debtor names, collateral descriptions, cross-references with existing filings, and yes, it verifies fee calculations too. Takes like 2 minutes and catches stuff you'd never think to check manually.
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Chloe Taylor
•Does it work with UCC-3 amendments too? I'm always nervous about those because the rules are so specific.
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ShadowHunter
•That cross-referencing feature sounds really useful for making sure amendments properly reference the original filing.
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Diego Ramirez
Quick question - are you filing a continuation or a new UCC-1? Continuation fees are usually different and sometimes people get confused about which form to use when the original filing is getting close to expiration. The fee structures for UCC-3 continuations can be totally different from initial UCC-1 filings.
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Anastasia Sokolov
•Good distinction. Continuation deadlines are stressful enough without fee calculation errors making it worse.
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Sean O'Connor
•I always get nervous about continuations because you can't really fix them if they get rejected close to the deadline.
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Zara Ahmed
•The 6-month window before expiration makes timing so critical for continuations.
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Luca Conti
Had this exact same issue two months ago. Turned out we had calculated fees based on old information and they had changed their fee schedule. Check the Secretary of State website for the most current fee schedule - sometimes they update it without much notice. Also verify you're using the right filing codes in their system.
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Nia Johnson
•Fee schedule changes are the worst! They should send out notifications when they update those.
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CyberNinja
•The filing codes thing is tricky too. One wrong selection and your whole fee calculation is off.
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Mateo Lopez
Final thought - if you're still stuck on the fee calculation, call the filing office directly. I know it sounds old school but sometimes talking to an actual person can clear up the confusion faster than trying to decode rejection notices. They can usually tell you exactly what fee should have been submitted for your specific filing type.
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Aisha Abdullah
•Calling them is actually really helpful when you can get through. The phone support people usually know the fee rules inside and out.
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Ethan Davis
•Just make sure to call early in the day. The wait times can be brutal in the afternoon.
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Yuki Tanaka
•I tried Certana.ai after seeing it mentioned here and it actually caught a fee error I would have never found. Pretty impressed with how thorough it is.
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