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Kristin Alford

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 bankruptcy, and you didn’t file a UCC, you’re an unsecured creditor. Being an unsecured creditor means...

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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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Rental Equipment in Pennsylvania: The UCC Filing Advantage

No Mechanic’s Lien Rights for Rental Equipment in Pennsylvania Originally published in the Credit Research Foundation’s publication, Perspective by...

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Changes to Florida’s Lien and Bond Claim Laws

As of 10/01/2023, Changes Are in Effect for Florida’s Mechanic’s Lien and Bond Claim Laws After several amendments and readings, Florida passed House...

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Serve the Preliminary Notice Upon the Construction Lender

In Some States, You Should Serve the Lender with the Preliminary Notice to Protect Your Mechanic’s Lien and Bond Claim Rights The infamous first step...

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