Hello friend. My name is XXXXX XXXXX welcome to JustAnswer. Please note: (1) this is general information only, not legal advice, and, (2) there may be a slight
delay between your follow ups and my replies.
I am sorry for your situation.
First of all, we have to discuss what a UCC is, and then we discuss your question.
A UCC filing, or rather a UCC-1 Financing Statement, is a filing that is put on record with the state that essentially states:
"This individual owes me a debt. If you sue this individual, or force them into bankruptcy, or whatever else, know that I stand first in line to collect!"
In other words, the filer would be a secured creditor
. This gives the filer a serious advantage in any litigation
/bankruptcy proceeding to be the first to get paid. By filing a UCC-1, this is called perfecting the loan
by the filer, and the filer becomes a a secured creditor.
If the item is moved to another state, the law of the state to which the debtor moves will immediately govern perfection. There is no need to re-file the UCC-1. California should recognize the UCC-1 filing of Kentucky, although California may interpret the UCC-1 a bit different in nuances (because CA has a slightly different version of UCC-1 laws than KY).
So there is no need to re-file another UCC-1 in every state that the horse is in.
I hope this helps and clarifies. Good luck.
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