UCC / LIEN

UCC & Lien Services

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UCC Financing Statements or Fixture Filings in Kentucky

Kentucky Lenders Assistance, Inc. conducts UCC and lien searches almost on a daily basis throughout Kentucky. Our staff is familiar with the RA9 requirements and is trained to search various state and local record keeping systems to ensure accurate results. Kentucky Lenders Assistance, Inc. also maintains a network of various correspondents who are able to walk into a jurisdiction and conduct a hands-on search when or where necessary. For more information on UCC searches or to place an order, please contact one of our specialized agents.


UCC Fixtures

At the local level, UCC financing statements or other security agreements relating to goods attached to real property are referred to as UCC Fixture Filings. When searching for UCC fixture filings, it is proper to search the recording office that has jurisdiction over the location in which the real property is located. Fixture filings can be contained in real estate documents, such as deeds, or filed on the nationally accepted UCC forms.

Kentucky Lenders Assistance, Inc. conducts UCC fixture filing searches frequently in local recording offices. With a network of various correspondents who are able to walk into local jurisdictions and conduct hand-on searches when or where necessary, Kentucky Lenders Assistance, Inc. is able to provide its clients with accurate and expedient search results. For more information on UCC fixture filing searches or to place an order, please contact one of our specialized agents.

UCC / Fixture Searches

Kentucky Lenders Assistance, Inc. has years of experience in the searching of public records. We perform public record searches at the local level, state level. We are familiar with the various search logic methods used in these recording offices and are able to provide expedient and accurate results.

Whether you are searching for UCC Financing Statements or Fixture Filings, or any other types of public records and/or liens, Kentucky Lenders Assistance, Inc. has the experience and resources to provide you with comprehensive search results. Kentucky Lenders Assistance, Inc. is also versed in the Revised Article 9 (RA9) guidelines that affect the location and methods used for particular record searches.

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UCC Financing Statements

The search for UCC Financing Statements, often referred to as UCC Searches, is one of the most common public record searches performed in conjunction with corporate and financial transactions. UCC searches seek to locate liens filed against a debtor (individual or company) that has entered into a secured agreement and has a financial obligation to a secured party supported by collateral described within the financing statement.

Since the implementation of Revised Article 9 (RA9) of the UCC, there are strict rules for the filing of UCC financing statements and fixtures specific guidelines for the searching of UCC financing statements and fixtures a like. Since RA9 governs the proper jurisdiction for the filing of UCC financing statements & fixtures, most UCC searches are conducted where the debtor lives (if an individual) or where the debtor has incorporated (if a company). There are instances where it is prudent to expand the scope of the UCC searches to ensure a debtor does not have any outstanding financial or fixture obligations that could affect the decision of another prospective secured party to enter into a financial agreement.

RA9 also requires all parties to use their “exact name” or “legal name” when filing a UCC financing or fixture statement. While in theory this should make UCC searches more accurate, many states have restricted their search logic to “exact name” searches as well limiting the ability to find filings that may have abbreviated names or misspellings, etc.

Kentucky Lenders Assistance, Inc., Title Companies & Agents, Lexington, KY

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