Filing a Lien in Missouri
A lien is legal document that allows you to claim a portion of the property if a borrower fails to make payments on the loan used to purchase the property. Filing a lien in Missouri for real estate or other personal property is a relatively simple process, and requires submitting a series of documents to the county recorder’s office. Here’s how to file a lien in Missouri.
Other People Are Reading
Instructions
-
-
1
Complete the online account registration process. If you are a business, you will need to establish a corporate e-account by completing the ACH registration form; if you are filing as an individual, you will need to establish a personal account to set up a user name and password.
-
2
Begin the filing process. You will need to access the filing screen's log-in section and submit your user name and password.
-
-
3
Complete debtor information in Sections 1 and 2 in the initial filing form. This includes the debtor's name, address, type of organization and jurisdiction of the organization.
-
4
Complete the secured party's information in Section 3. This will include your name and mailing address.
-
5
Describe the collateral in Section 4. This is the financing statement section that describes the property and asset.
-
6
Complete Sections 5 through 7 as necessary for the collateral completed in Section 4. This will indicate if there is an alternative designation, whether the filing should be submitted as a real estate record, or if you need additional reports.
-
7
Determine if you need to file an "in lieu of continuation" form. This form must be filed for an amendment of an existing filing; release of collateral; assignment of secured party rights; and continuation prior to the standard expiration date.
-
8
Submit your application for approval. You can send the information to the Uniform Commercial Code Division online, or print out the completed document to mail it to the Missouri Secretary of State. The address for the UCC Division at the Missouri Secretary of State is P.O. Box 1159, Jefferson City, MO 65102.
-
1
Tips & Warnings
If you are filing multiple liens in Missouri, you can establish a UCC filing account to make the filing process much faster
Electronic filing is the cheapest form of filing and costs only $10.00 per submission
In-person filing fees (initial) are $17.00 plus $1.00 per page; search requests are $27.00 plus $1.00 per page
All UCC filings must be made in the state where the debtor is located
The corporate e-account can establish multiple personal accounts for different filers
You can contact the UCC office at 573-751-4628 with any questions about filing
Make sure you review any expiration dates to avoid excess fees during the renewal process
Use a secure computer when logging into your account and accessing account information
