Traywick's Blog
Practical legal insights, answers to common questions, and guidance from Traywick Law Offices.
You Paid It Off — Why Is Your Money Still Frozen? Post-Payoff Holds and South Carolina's 10-Day Release Rule
The payoff cleared. The balance is zero. And the UCC lien is still active, your customers are still under notice to pay the funder, and your next lender is still saying no. Paying …
How to Clear a UCC Filing You Never Authorized in South Carolina
A company filed a UCC lien against your South Carolina business and you never signed anything? South Carolina law gives you a demand, a 20-day clock, a self-help termination, and d…
UCC Lien Blocking Your SBA Loan? How to Clear Every Filing Standing Between You and Closing
The loan was approved in principle. Then the lender's UCC search came back with a stack of blanket liens — an old factor, a settled MCA, a filing you never heard of — and closing s…
How to Dispute a UCC Filing in South Carolina: The UCC-5 Information Statement and Secretary of State Cancellation
You found a UCC filing against your business that is wrong, stale, or was never authorized. A UCC-5 information statement puts your dispute on the record. In South Carolina it can …
Trapped Under Declarant Control: How SC Developers Keep Your HOA Board
South Carolina has no statute limiting how long a developer can control your HOA — unlike Florida, which forces turnover within months of 90% sellout. Here the declaration sets the…
Charleston's Foreclosure Rate Is Fifth-Worst in the Nation: 1 in Every 1,501 Homes
One in every 1,501 Charleston-area homes had a foreclosure filing in August 2026 — the fifth-worst metro rate in America. What that number actually means, why the Lowcountry is on …
Mortgage Escrow Account Errors: How to Force Your Servicer to Fix Them
Servicer misapplied your escrow payments, paid taxes late, or force-placed insurance you already had? The RESPA Notice of Error process, deadlines, and damages — plus SC remedies.
Can I File a UCC Termination Myself? South Carolina's Debtor-Filed UCC-3, Step by Step
You paid it off. The filer still will not terminate. South Carolina law gives the debtor a self-help route — but only after a proper authenticated demand, only after the 20 days ru…
Stripe, Square, or PayPal Froze Your Payouts? Three Kinds of Holds — and Which One You're Actually In
Your payouts stopped and the dashboard just says 'held.' That one word covers three completely different problems — the processor's own reserve, a third party's lien notice, or a c…
Merchant Cash Advance Company Sent a Lien Notice to Your Processor? What a 406 Notice Does to Your Card Money
Your card settlements stopped arriving, your customers got letters telling them to pay somebody else, and no court was ever involved. That is a UCC 406 notice at work. Here is what…