UCC Searches and Filings FAQs

This includes the origination, transferring or releasing titles and liens through title services, duplicate title requests, repo titles, lien-holder filings, duplicate registrations, and VIN searches. In some states they require registration/insurance information and driving records.

A Search to Reflect provides early assurance that the UCC filing will be found in the public record under the exact, true and correct debtor name. A UCC that cannot be uncovered in a search that complies with Article 9 standards puts the filing at high risk of being considered ineffective and will compromise the position of the secured party.

CT’s specialized filing experts on our customer service teams have used their decades of shared experience to develop a proven and comprehensive process for every filing – giving you the attention to detail and accuracy your clients require.

An Owner & Encumbrance Search identifies the current owner of and all liens against the property.

An Owner Verification Search provides the information needed to identify the current owner of a property and obtain a full legal land description. An Owner/Mortgage Search details the current property owner and all mortgage/deeds of trust against the property.

State law grants liens for unpaid taxes to the various states, with most requiring that a public notice be filed to document the existence of a state tax lien. Most state tax liens are required to be filed only in a local office, usually the county where the property is located. Other states retain state tax lien filings at both the Secretary of State and a local office.

A UCC is the official mechanism for notifying lenders of a possible conflict in collateral interest, a UCC search conducted at the appropriate state filing office and prior to a transaction closing is critical to the due diligence process.