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UCC1 Filing For Georgia: GSCCCA

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UCC Filing in Georgia

In Georgia, all filings are made at the local level regardless of
the lien type. UCCs, fixtures, mortgages and deeds are all filed
at the county. Instead of having the Secretary of State as its
central filing office for UCCs, the state utilizes an outside
vendor, the Georgia Superior Court Clerks’ Cooperative
Authority, also known as the Clerk’s Authority or GSCCCA. The
GSCCCA itself is not a filing office. (Fun fact: Georgia was the
first state to privatize the indexing of their UCC system to a
third-party vendor in 1993.)

Due to this unique approach, filers have options! Georgia
statute does not dictate which county to file in, so it’s not
necessary to file based on the debtor’s address or where the
collateral is located. You may submit personal property filings to
any of the state’s 159 counties and have them successfully
filed. (Another fun fact: Prior to 1995, filers had to file in all
counties to achieve protection statewide – imagine those filing
fees!)

Where to File UCCs in Georgia

With so many options on where to file, how do you choose?
Some filers select their county filing office based on turn-around
time alone. High volume counties, like Fulton, experience longer
turn-around times, which can be less appealing to filers,
whereas filing offices in more rural or suburban counties, such
as Fayette and Bibb Counties, may complete the review and
filing process the same day that the UCC financing statement is
received.

Note that once a UCC1 is filed in a particular county in Georgia,
filers are not committed to file related UCC3 amendments in
that same county. Since all filings are reported to the Clerk’s
Authority, the UCC3 can be filed in any county, again allowing
filers the opportunity to select their filing offices based upon
time and convenience.

Filers who prefer to file a UCC3 in the same county as the initial
financing statement can determine where the UCC1 was filed
based on the file number. GSCCCA file numbers begin with a
series of three digits corresponding to the county where the lien
was filed. The sequence begins with 001 for Appling County
and ascends by county name alphabetically.

Transmitting Utility Filings in Georgia

When it comes to Article 9 transmitting utility filings, Georgia
also stands apart from every other state in the nation. Where
transmitting utility filings remain effective in other states until
terminated, Georgia adopted a non-uniform version of Section
9-515 that leaves transmitting utility filings effective for only five
years. Like other personal property related UCCs, these filings
need to be continued every five years to avoid lapsing.

Georgia UCC Searching

After filings are submitted to a county in Georgia, the local
superior court clerk has 24 hours to transmit the UCC filing to
the GSCCCA. The GSCCCA then has 24 hours to add the filing
to the statewide index, a one-stop shop where due diligence
searchers can conduct UCC and state tax lien searches.

Quick Recap of UCC Filing and Searching in Georgia

● Personal property and real estate-related liens are filed at
the county level in the State of Georgia.
● Filers can choose their county filing office without any
restrictions.
● All UCCs filed in Georgia counties are reported to the
statewide index, the GSCCCA.
● UCC searches done at the GSCCCA capture liens filed in
all 159 counties.
● Transmitting utility filings in Georgia are issued a five-year
lapse date. UCC3 continuations are needed for the lien to
remain effective.