To perfect a security interest in personal property, a financing statement may be filed, either before or after the security interest attaches.

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A financing statement may be filed either before or after the security interest attaches to perfect the security interest in personal property. This is according to Article 9 of the Uniform Commercial Code (UCC). However, filing the financing statement before attachment ensures the highest priority in case of competing claims.

To Perfect a Security Interest in Personal Property, a Financing