I cannot fathom a reason why a credit card company would ever be allowed to file a UCC Lien. The company is not selling goods to a buyer on credit. It is merely providing you with unsecured credit to buy whatever (i.e., goods, services, etc.)
I am only licensed in the state of Illinois. This is only my general observation about the law and my experiences as a practicing attorney. This is not legal advice and should not be construed as legal advice. This does not create an attorney client relationship. If you wish to obtain legal advice or create an attorney-client relationship, then you should directly contact a lawyer licensed in your state who you believe possesses the knowledge and experience to assist you with your case.
I've never seen this or heard of any credit card company doing this, even for very large credit lines or unpaid credit cards. I've represented many consumers and small businesses sued on unpaid credit cards and never seen this issue.
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You are essentially correct. UCC1s perfect security interests ... which the CC Co's do not have. However, if they sue you, obtain a judgment, and record that judgment in your County, that would create a lien against any property you own in that County.