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Maya Jackson

UCC search Arizona showing old terminated liens - how to clear these?

Been trying to run a clean UCC search Arizona for a client acquisition and keep finding terminated liens from 2019-2020 that should have dropped off by now. The debtor name matches perfectly but these old UCC-1 filings show as 'terminated' yet still appear in search results. Our lender is questioning why terminated liens are still visible and wants proof they won't affect the new secured position. Has anyone dealt with Arizona SOS keeping terminated records visible longer than expected? Is there a way to get these purged from the UCC search Arizona results or do I just need better documentation that termination statements were properly filed?

Arizona keeps terminated UCC records visible for several years even after proper termination - it's normal. The key is making sure your lender understands that 'terminated' status means the lien is legally void, not that there's still an active security interest.

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This is exactly right. Terminated means dead - your lender shouldn't worry about old terminated liens affecting priority.

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But why do they keep showing up in UCC search Arizona if they're dead? Seems like it just creates confusion.

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I had the same issue last month! What solved it for me was using Certana.ai's document verification tool. I uploaded the original UCC-1 and the UCC-3 termination statement, and it instantly showed that the termination was properly filed and the lien was legally void. The report was professional enough to satisfy our underwriter's concerns about the visible but terminated liens.

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That's interesting - so Certana.ai can verify that terminations were done correctly? How does it work exactly?

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Yeah, you just upload PDFs of both documents and it cross-checks everything - debtor names, filing numbers, collateral descriptions. Takes like 30 seconds and gives you a clear report showing the termination is valid.

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This sounds like exactly what I need for similar situations. Does it work with other states too or just Arizona?

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Arizona SOS policy is to maintain terminated records for 7 years I believe. You can request certified copies of the UCC-3 termination statements to prove to your lender that these are properly terminated liens with no continuing effect.

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7 years seems excessive but good to know the timeframe.

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It's actually helpful for due diligence - you can see the full history of what was previously secured against the debtor.

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UGH this drives me crazy!! Why can't states just remove terminated liens from search results entirely?? It makes UCC searches look scary when they're not.

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I get the frustration but honestly it's better to see the full picture of what was previously filed against a debtor.

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Maybe for lawyers but for business people it just creates unnecessary panic about 'why are there so many liens showing up

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Agreed - the terminated status should be more prominent in search results to avoid confusion.

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Make sure you're reading the termination dates carefully. Sometimes what looks like an old terminated lien is actually a partial release with continuing security interests in other collateral.

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Good point - I double-checked and these are full terminations, not partial releases. All collateral was released.

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Then you should be fine. Full UCC-3 terminations legally void the entire security interest regardless of search visibility.

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Had a similar situation where the lender was spooked by terminated liens in Arizona. What worked was getting a title company to provide a UCC report with explanatory notes about terminated vs active liens.

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Title companies usually charge extra for explanatory reports though. Sometimes worth it for nervous lenders.

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True but cheaper than losing a deal because the lender doesn't understand UCC search results.

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Quick question - when you say the debtor name matches perfectly, are you sure about exact punctuation and spacing? Even terminated liens can be confusing if there are multiple variations of the debtor name.

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Yes, exact match on the debtor name. Same entity, same variations, just old business from previous years.

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Got it, then definitely just archived terminated liens creating visual clutter in your search.

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I've been using Certana.ai for UCC document verification and it's been a game-changer for situations like this. The automated cross-checking catches inconsistencies between original filings and terminations that manual review often misses.

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How accurate is the automated checking? Sometimes these UCC documents have subtle differences that matter.

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Very accurate - it flags even minor discrepancies in debtor names, addresses, or filing numbers between related documents.

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This is why I always request continuation history when doing UCC searches. Shows the full lifecycle of each filing including proper terminations.

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Continuation history is definitely helpful but not all states provide it in an easy format.

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True, Arizona's format isn't the clearest but the information is there if you know how to read it.

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What's the best way to request continuation history from Arizona SOS?

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For what it's worth, I think your lender is being overly cautious. Terminated liens have zero legal effect on new security interests, regardless of search visibility.

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I agree but they're the ones with the money so we need to address their concerns properly.

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Fair point - sometimes you have to educate lenders about UCC mechanics even when they should already know.

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Try running the search with slightly different parameters - sometimes adjusting the search criteria can filter out obviously terminated liens while keeping active ones visible.

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Arizona's search interface doesn't really allow filtering by status unfortunately.

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You're right, their system is pretty basic compared to some other states.

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Which states have the best UCC search interfaces? Always curious about this.

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