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Kristin Alford

What Is a UCC Filing?

What Is Article 9 of the Uniform Commercial Code (UCC)? The Uniform Commercial Code is a set of standardized laws that govern commercial transactions across the U.S. Article 9 of the Uniform Commercial Code (UCC) governs secured transactions in...

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Texas Preliminary Notices Are for Non-Payment

Understanding Texas Notice Cycles for Lien and Bond Rights That’s an odd title, right? “Texas Preliminary Notices Are for Non-Payment.” It may sound...

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Lien Index Q2 2025

Lien Index down 2 points to 58 from revised Q1 score of 60. The Lien Index ended Q2 2025 at 58; an approximate 3% decline in activity from Q1 2025.

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Purchase Money Security Interest and Super-Priority

The Value of UCCs: Beyond Basic Protection Let’s say you supply $250,000 worth of goods to your customer. If your customer defaults or files for...

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Business Bankruptcies Are Rising; Time to Protect Your A/R

The Bankruptcy Wave Isn’t Coming… It’s Already Here. According to Epiq AACER and the American Bankruptcy Institute, commercial Chapter 11 filings in...

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Lien Index Q1 2025

NCS Credit’s Lien Index Ends Q1 2025 at 55, Down 8% from Q4 Lien Index down 5 points to 55 from revised Q4 score of 60*. Mechanic’s Lien activity has...

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Payment Protection Rights for Los Angeles Wildfires

California Mechanic’s Lien and Bond Claim Rights: Rebuilding After the Wildfires To say the Los Angeles wildfires were devastating is an...

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Lien Index Q4 2024

NCS Credit’s Lien Index Ends Q4 2024 at 57, Down 7% from Q3 Slow payments continue to plague the industry, as the Lien Index ended 2024 at 57....

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Navigating Credit Trends in 2025

Navigating Credit Trends in 2025: Embracing Technologies and Economic Shifts Happy New Year! With a new year comes new opportunities and, of course,...

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How to Spot and Avoid a Common UCC Filing Scam

Beware of Fraudulent Solicitations and UCC Filing Scams Filing UCCs is one of the most common trade credit practices and, rest assured, it is...

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