Where to File
UCC financing statements in Mississippi are filed with the Secretary of State's office in Jackson. Unlike property liens, UCC filings are centralized at the state level rather than the county level.
UCC-1 Initial Filings
The UCC-1 financing statement establishes your security interest in Mississippi. The form must accurately identify the debtor, secured party, and collateral. Mississippi accepts standard national UCC forms.
Filing Methods and Fees
Mississippi typically accepts UCC filings electronically, by mail, and in person. Electronic filing is often the fastest option. Fees vary by filing type—initial filings, amendments, and terminations each have different fee structures.
Debtor Name Requirements
Mississippi follows standard UCC naming rules, but errors in the debtor's name can make your filing ineffective. For individuals, use the exact legal name. For organizations, use the precise name on file with Mississippi.
Continuation Statements
UCC filings in Mississippi are effective for five years. To maintain your perfected security interest, file a continuation statement (UCC-3) within six months before expiration. Missing this deadline requires starting over.
Searching Mississippi UCC Records
The Mississippi Secretary of State maintains searchable UCC records. Conduct searches before extending credit to check for existing security interests. Mississippi offers online search access in most cases.
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