Debtor-name sufficiency
The debtor's exact legal name is extracted from authoritative sources and validated against each state's standard search logic — no d/b/a, no trade name, no guess.
The most rigorous UCC-1 perfection & monitoring service a secured lender can use.
LienLock assembles a documentation-complete perfection pack — every statutory element, every required search, the debtor-name validation, the filing packet, and the continuation calendar — checked against the letter of UCC Article 9 before a specialist releases it.
Every subsection of UCC Article 9Debtor-name validation against state search logicDHSMV · USCG · UCC · judgment lien searchesSpecialist release on every pack5-business-day SLA
Why perfection fails
A single debtor-name error can void the entire security interest.
A secured lender's priority is only as strong as the UCC-1 filing behind it. Miss the exact legal name, file in the wrong jurisdiction, or let a continuation lapse — and the security interest can be deemed never perfected, leaving the lender unsecured.
Most non-bank lenders manage perfection manually, on spreadsheets and calendar reminders. The statute has not been read end-to-end since the last time it mattered. That is exactly where perfection gaps hide.
LienLock exists to close that gap with a single, exhaustive standard applied identically to every file.
$500,000
single secured claim lost to one debtor-name error, per a U.S. Bankruptcy Court
The benchmark
Measured against the letter of the UCC — section by section.
We do not summarize the law and hope. Every pack is scored against a versioned rule pack tied to the exact text of UCC Article 9. These are the provisions each pack is held to.
Required filing contents
Debtor name, secured party name, and collateral description — all present and correct, or the pack does not release.
Continuation window
The continuation filing is verified to fall within the 6-month window before lapse, computed deterministically — never estimated.
Jurisdiction of debtor
The correct jurisdiction (state of organization for entities, principal residence for individuals) is determined and verified.
Seriously misleading standard
Name errors are checked against the 'seriously misleading' standard — zero tolerance for extra spaces, missing middle names, or incorrect entity designations.
Lapse and priority consequences
The pack includes a clear explanation of the consequences of lapse and the priority implications, ensuring the lender understands the stakes.
How a pack is built
Intake to specialist release, with deterministic gates the AI cannot overrule.
AI extracts and drafts. Deterministic rules — running as code, outside the model — decide what is complete. A human specialist signs every release. That order is never reversed.
01
Portfolio Perfection-Gap Audit
Upload your existing UCC filings. We return a free completeness read: which filings have name errors, jurisdiction mistakes, or lapse-risk, and quantify dollars at risk.
02
Evidence & lien searches
As your authorized clerical agent, we order the Secretary of State, UCC, and judgment-lien searches and build the lienholder matrix, corroborated across sources.
03
Grounded drafting
The UCC-1 financing statement is drafted from your validated data and the Article 9 rule pack into field-locked templates — no legal opinions, no invented facts.
04
Deterministic completeness gates
Debtor name is exact-matched against state search logic; jurisdiction is verified; continuation window is computed; any failure blocks release.
05
Specialist release
A notice specialist reviews the exception queue and signs the release. High-value or complex filings route to attorney review first.
06
Delivery
You receive the pack: UCC-1 filing, evidence log, continuation calendar, and monitoring subscription — ready for the lender to file under its own name.
The bar we hold
Rigor you can measure.
100%
Specialist-released
No pack ships without a human signature.
5 days
Standard SLA
From complete intake to released pack.
<1%
Critical-defect target
Tracked against a gold-standard pack library.
4
Lien-search sources
Secretary of State · UCC · judgment · federal tax, every applicable file.
Why LienLock
Built to be the most thorough option a lender has.
Documentation-complete, by design
The deliverable is completeness itself — every statutory element and search accounted for or explicitly exception-coded. Nothing is left implicit.
Deterministic, not vibes
The gates that decide completeness are code, not a model's opinion. A drafting error cannot slip past a statutory requirement.
In its lane, on purpose
We prepare documentation and run searches as your clerical agent. We never give legal advice, or conduct the sale.
Engagement
Flat fee, per managed filing + per active lien monitored per year. No contingency, ever.
Simple, predictable, and aligned with a documentation standard — not a cut of any recovery.
- A free Portfolio Perfection-Gap Audit before you commit — see exactly what is missing.
- One flat fee per managed UCC-1 filing; disclosed pass-through search fees.
- Annual subscription per active lien monitored, including continuation management.
- Optional fixed-fee attorney review for complex or high-value filings.
FAQ
Questions, answered precisely.
Is LienLock a law firm?
No. LienLock, a service of Your Deputy, Obuke LLC, provides documentation-completeness services. It is not a law firm, does not provide legal advice, and does not represent you in any legal matter. Attorney review is available and recommended for complex or high-value filings.
Do you contact the debtor or collect the debt?
Never. LienLock is not a debt collector and does not contact debtors. The lender remains the secured party and the party responsible for all filings and enforcement.
What makes a pack 'complete'?
Completeness is defined by the UCC: the debtor name validated against state search logic, the correct jurisdiction, the required filing contents present, the continuation window verified, and all searches resolved or exception-coded. Deterministic gates enforce each one before release.
How fast is it?
The standard SLA is five business days from complete intake to a specialist-released pack. The free Gap Audit is returned much sooner and tells you exactly what is still needed.
How are you priced?
A flat fee per managed filing, plus an annual subscription per active lien monitored. No contingency and no percentage of any recovered amount or sale proceeds.
See what's missing before it costs you a security interest.
Start with a free Portfolio Perfection-Gap Audit. Send your existing UCC filings and we'll return a completeness read against every section of Article 9.
Documentation-completeness service · not legal advice · the lender files every notice.