Liens-Personal Property 
(502) 875-8703

Title Lien Statements
UCC Filings
Liens on Boats

Title Lien Statements

The perfection and discharge of a security interest in any property which has been issued a Kentucky certificate of title shall be by notation on the certificate of title (KRS 186A.190).  

Property required to be titled:  

Vehicle (KRS 186.010(8)(a))

Manufactured (or mobile) home or trailer. (KRS 186A.070)

Motorboats (KRS 186A.015, KRS235.055) 

To record a lien on a vehicle, mobile home, trailer or motorboat a title lien statement must be filed. To view and print a copy of a title lien statement, click here.   

The following information & documents are required:  

¨      Name(s) of the debtor and their address

¨      Name of secured party (the person or Bank lending money) & their mailing address

¨      Description of collateral (year, make, vehicle identification number)

¨      Title or goldenrod copy of registration if a pending lien has been filed  

Place of filing:

            Generally, a title lien filing should be made in the county of the debtor’s residence if an individual, and in the county of principal headquarters of a resident business or in the county of principal use of the titled property, if the business or individual is a nonresident.

            Duration of filing:

Effective July 1, 2001, Title Lien Statements will have a statute of limitations of 7 years for vehicles and 30 years for mobile homes. Any Title Lien Statement on record prior to July 1, 2001 that would expire due to the statute of limitations may be continued during a six month transition period ending December 31, 2001.  There is no filing fee for a continuation statement. Title Lien Statements recorded after July 1, 2001 will need to have a continuation statement filed (if necessary) within the six month period prior to expiration.

Liens on Boats          

Liens on boats are filed in the same manner as vehicles.  If the boat has a full inboard motor, the title lien statement is filed on the boat  and a separate one for the trailer.  Titles for the boat & trailer are required to record. The filing fee is paid for each title lien statement filed. 

If the boat is inboard/outboard or has a full outboard motor, a title lien statement is filed on the boat & a separate one for the trailer. 

To record a lien on a vehicle, mobile home, trailer or motorboat a title lien statement must be filed. To download a copy of a title lien statement, click here. 

The following information & documents are required:  

¨      Name(s) of the debtor and their address

¨      Name of secured party (the person or Bank lending money) & their mailing address

¨      Description of collateral (year, make, vehicle identification number)

¨      Title or goldenrod copy of registration if a pending lien has been filed

Transfer of Ownership: 

   Ownership transfer is prohibited until any and all existing lien notations are terminated in writing by the secured party of record.  This termination must be filed in the county where the lien was filed.  Only the county where the lien is filed may cancel the lien in AVIS.

Repossessions-KRS 186.045(4)  

   Any repossession transaction processed by a secured party must be processed in the county where the lien was filed.

Requirements for repossession:

¨      Form TC96-192  Affidavit of Repossession

¨      Termination Statement

¨      Application for title/registration (Form #TC96-182)

            Termination Statement:

The secured party is required to file a termination statement within ten days after the loan is paid in full (KRS 186.045(2)).  This termination statement must be filed in the county where the lien was originally filed.  The clerk shall within five days note the termination in his records and enter it in the statewide vehicle registration system. 

Filing Fees

    UCC Filings  

Effective July 1, 2001, all new UCC filings will be filed with the Kentucky Secretary of State's Office, with the exception of the following:

1. Title Liens

2. Fixture Filings

3. Timber (to be cut)

4. Minerals to be extracted

Any questions concerning new UCC filings (other than exceptions) should be directed to the Secretary of State's Office at 502.573.0265 or visit their website at http://www.kysos.com. 

Any fixture filing, or filing on timber to be cut, or minerals to be extracted would be designated to be filed in the real property records and must contain a reasonable description of the real estate.

New legislation eliminates the requirement for signatures of either the debtor(s) or secured party(s) on any UCC document or Title Lien Statement filed.

A UCC filing must have the name and address of the debtor and must identify the debtor as an individual or organization. A UCC filing must also have the name and address of the Secured Party (Lender).