Utah UCC search showing old termination - is my lien still active?

Good point. How do I get the actual termination document? The online search just shows the filing date and status but not the actual form.

You can request certified copies from the Utah SOS office. There's usually a small fee but you'll get the actual UCC-3 termination form with signatures. That'll tell you who filed it.

A UCC-5 correction? I've never heard of that form. Does Utah accept those?

Yeah, UCC-5 is for correcting errors in filed documents. Most states accept them but check Utah's specific requirements. You might need to include an affidavit explaining the unauthorized termination.

Before doing a UCC-5, make sure you have solid proof the termination was unauthorized. The SOS won't just take your word for it - you need documentation.

That sounds helpful. How accurate is it? I'm dealing with a lot of money here and can't afford to miss anything.

It's been really reliable for me. Catches things I would have missed manually like slight name variations or wrong filing number references. Worth trying before you go down the legal route.

That's what's so confusing! The continuation was accepted and I have the confirmation. But now the search shows both the continuation AND the termination.

That's really weird. The system shouldn't accept a continuation on a terminated lien. Maybe there's a database error or the termination was filed after your continuation?

I've seen Utah's system have glitches before. Sometimes documents show up with wrong dates or in wrong order. Call the SOS office directly - they can look at the actual chronology.

Can I file a new UCC-1 on the same collateral while the old one is still showing as terminated? Won't that create conflicts?

You can file multiple UCC-1s on the same collateral. Better to be over-secured than under-secured while you're fighting the bogus termination.

Just make sure your loan agreement allows for refiling UCCs. Some agreements have specific language about this.

I check mine quarterly. It's a pain but better than finding out your lien is gone when you need to foreclose.

Quarterly sounds reasonable. I've been doing it annually but that might not be enough.

Yeah I learned that lesson the hard way. Now I screenshot everything and keep paper copies of all confirmations.

Smart. The SOS will claim technical difficulties but if you have screenshots they can't deny what was showing on their system.

I always download the PDF confirmation immediately after filing. Sometimes those disappear from the system too.

Already checked that. The debtor name is exactly the same character for character. That's what's so concerning.

Then yeah, you definitely need to get that termination document and see who signed it. This sounds like fraud.

That sounds like something I need. How does the monitoring work? Does it alert you immediately?

Yeah, it sends alerts when status changes. Really helpful for catching these kinds of issues before they become bigger problems.

I'm skeptical of automated tools but after dealing with manual checking for years, I might give it a try. These unauthorized terminations are getting out of hand.

Will do. I'm calling the SOS office tomorrow morning to request the actual termination document. This is really stressing me out.

I understand the stress. Just remember you have options - UCC-5 correction, new UCC-1 filing, or legal action if it's fraud. You're not helpless here.

That's actually exactly what I use Certana.ai for. You can upload multiple UCC documents and it runs consistency checks across all of them. Way faster than manual verification.

Perfect, that's exactly what I need. Manual checking is taking me forever and I keep making mistakes.

I just do batch searches on the SOS website. Not as thorough but at least I can see if anything obvious is wrong.