UCC Document Community

UPDATE: Got it to work! Turns out there was an extra space at the end of the company name that I couldn't see. Thanks everyone for the suggestions. Filing deadlines are stressful enough without portal issues.

So glad to see this got resolved! This is such a common issue and it's frustrating how these portals don't give clearer error messages. For future reference, I always copy the company name into a plain text editor first to spot hidden characters before pasting into filing systems. Those trailing spaces and invisible characters are everywhere when you copy from PDFs or Word docs.

UPDATE: Finally figured out what was causing the delay. There was a tiny formatting difference in the debtor name - the original UCC-1 had 'LLC' and my termination had 'L.L.C.' with periods. Filed a corrected UCC-3 and it processed within 48 hours. Lesson learned: exact formatting matters more than I thought.

This thread is incredibly helpful - I'm dealing with a similar situation where my UCC-3 termination has been stuck for 6 weeks. Reading through everyone's experiences, I'm now wondering if I should just cut my losses and file a completely new termination with extra attention to formatting details. Has anyone had success with withdrawing a pending filing and starting fresh, or do you have to wait for the original one to either process or get rejected first?

This thread has been incredibly helpful. I'm bookmarking it because I know I'll need to reference this again. The UCC system is way more complicated than it should be for something so routine.

As someone who's dealt with this exact situation multiple times, I can't stress enough how important it is to stay persistent with your lender. Don't just accept "we'll handle it" - ask for a timeline and the name of the person who will be filing it. Get everything in writing if possible. Also, once they say they've filed the UCC-3 termination, check the state database yourself within a week to make sure it actually went through. I've seen banks claim they filed when they hadn't, or file it incorrectly so it gets rejected. The whole process is frustrating but you have to be your own advocate here.

Just want to add that even if the UCC filing is valid, you still have rights as a debtor. They can't just seize equipment without proper notice and process. But yeah, it definitely complicates future financing if you don't handle it properly.

As someone who's been dealing with UCC filings for years, I'd strongly recommend getting a clear picture of what you're dealing with before panicking. The fact that they filed doesn't necessarily mean they have a valid security interest - sometimes companies file UCCs as a precautionary measure even when the underlying agreement is questionable. That said, with $45K across multiple cards, you're definitely in territory where creditors start taking this stuff seriously. I'd suggest pulling all your cardholder agreements and looking specifically for any language about "retention of title," "security interests," or "collateral" related to purchases. If you can't find clear authorization for the UCC filing in your agreements, you might have grounds to challenge it. But either way, you'll want to resolve this before it impacts your expansion plans next year.

Update us when you get it resolved! These name matching issues are becoming more common and it would be helpful to know what finally worked for your situation.

Pro tip from someone who's been burned by this before - if you're working with an LLC, pay special attention to whether "LLC" or "L.L.C." appears in the official name. Many states register them differently, and the periods make a huge difference in the matching algorithm. Also, watch out for "Limited Liability Company" vs "LLC" - some entities use the full phrase in their registration. I've seen filings rejected because someone used "ABC Company, LLC" when the registration was "ABC Company, L.L.C." - literally just the periods caused the rejection. The automated systems are completely unforgiving on this stuff.