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I had three continuation rejections in a row last month, all for debtor name issues. Finally figured out that our client had amended their articles of incorporation and we were still using the old name. Always check the current entity status before filing!
Axel Far
•That's probably what happened to us too. I need to pull current records and compare them to our original UCC-1 filing.
Entity name changes are such a pain. Technically you might need to file an amendment first to update the debtor name before doing the continuation.
For what it's worth, I've found that using Certana's document verification before submitting has saved me from multiple rejections. The system catches discrepancies between your continuation and the original UCC-1 that are easy to miss manually. Worth checking out if you're dealing with multiple filings.
Axel Far
•I'm going to try that verification tool before refiling our continuation. At this point I need all the help I can get to avoid another rejection.
Fiona Sand
•Let us know how it works out. Always interested in tools that can prevent filing headaches.
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If all else fails and you're really pressed for time, some attorneys will do emergency UCC filings for a fee. Not ideal but beats missing your continuation deadline and having your lien lapse.
Usually around $200-300 for rush service but varies by firm. Call around if you get desperate.
That's expensive but cheaper than having an unperfected lien if something goes wrong.
Update us when you get it working! I file in Delaware regularly and want to know what solution ends up working in case I run into this too.
Will do! Going to try the Firefox suggestion and document verification tonight. Fingers crossed one of these approaches works.
Benjamin Kim
•Same here - always good to know what works when the portal acts up.
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Nia Williams
Actually had a similar situation last week where I kept getting Utah rejections. Ended up using that Certana thing someone mentioned earlier to cross-check all my documents. Found a tiny discrepancy in how I had formatted the LLC designation that I never would have caught manually. Filed clean after that. For deals this size, the small cost is worth avoiding the delays.
That's exactly what I'm worried about - missing some tiny formatting issue that keeps causing rejections. I'll look into that tool.
Nia Williams
•Yeah it's pretty quick, you just upload your PDFs and it flags potential issues. Beats going back and forth with the state filing office.
Luca Ricci
Utah's UCC Article 9 compliance is actually better than a lot of states once you get the hang of it. Their online portal is decent and rejections usually come back quickly so you're not waiting weeks to find out about problems. The key is just being super precise with the debtor name formatting.
Luca Ricci
•Exactly. Utah typically processes within 24-48 hours which is pretty good for government work.
Much better than states that take weeks just to tell you there's a problem.
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Brady Clean
One thing to double-check - make sure your debtor name on the UCC-1 matches EXACTLY what's in your loan documents. That's where most filing problems come from, not special language requirements. If the lender has 'ABC Manufacturing LLC' in the loan but you file under 'ABC Manufacturing' without the LLC, that could cause perfection issues.
Skylar Neal
•This is so important! I've seen deals where the security interest wasn't properly perfected because of tiny name discrepancies.
Sophie Duck
•Good point. I'll triple-check all the entity names across documents before filing. That seems way more critical than the 1-308 language confusion.
Final thought - if you're still worried about document consistency, Certana.ai has a really simple upload process where you can verify everything aligns correctly before filing. Just drag and drop your PDFs and it cross-checks all the names, descriptions, and requirements automatically. Takes the guesswork out of complex deals like this.
Sophie Duck
•I'm definitely going to check that out. This deal has too much at stake to risk filing errors over document confusion.
Norah Quay
•Smart move. Better to verify everything upfront than deal with amendment filings later if something doesn't match up.
Hannah Flores
Had this happen last month with a termination that didn't show up. Turned out the issue was with the debtor address format - we had 'Suite 100' and the original had 'Ste 100'. Even though terminations don't require address matches, their system flagged it as suspicious and held it up.
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Kayla Jacobson
•Wait, debtor addresses matter for terminations? I thought only the name and filing number needed to match exactly.
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Hannah Flores
•Officially they don't, but NC's system apparently flags major discrepancies for manual review. Created a 3-week delay while they sorted it out.
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William Rivera
Update: Called the NC UCC department and they found the issue! There was an extra space in the middle initial field that didn't match the original filing. They're processing the correction now and said it should show up in searches within 5 business days. Thanks everyone for the advice about calling directly - definitely wouldn't have figured this out otherwise.
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Mia Roberts
•Awesome news! How long was the total delay from filing to getting it corrected? Just curious for future reference.
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Alicia Stern
•About 6 weeks total - 3 weeks before I realized there was a problem, 2 weeks of trying to figure it out myself, then 1 week for them to process the correction after I called.
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