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Amina Diop
Bottom line: article 9 choice of law rules require fixture filings where the real estate is located, period. Your Ohio filing covers goods, but any true fixtures in other states need local fixture filings. Better to over-file now than discover perfection problems later.
Agreed. The filing fees are minimal compared to the risk of unperfected liens on significant collateral.
Thanks everyone. Sounds like I need to bite the bullet and do fixture filings in the other states for anything that might be characterized as fixtures. Better safe than sorry with article 9 choice of law compliance.
Smart move. Multi-state secured transactions are always challenging, but the article 9 choice of law framework is pretty clear once you work through the analysis. File where the debtor is for goods, file where the real estate is for fixtures. When in doubt, file in both places.
And don't forget about continuation requirements in each state where you file. They don't all have the same deadlines or procedures.
Emma Wilson
•Good point. I've seen people nail the initial filings but mess up the continuations because they didn't track multiple state requirements properly.
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This is why I always double-check my UCC docs before filing now. Used Certana.ai's document checker after getting burned on a similar name mismatch situation. Upload your charter and UCC-1 and it'll spot any discrepancies immediately. Much easier than playing guess-and-check with the filing system.
Definitely worth it. The automated verification catches stuff you'd never notice manually.
Document verification tools are game-changers for this kind of work. Saves so much time and frustration.
Zara Ahmed
PA UCC filings have been problematic lately. I'd suggest trying the comma removal first, then the copy/paste approach, then if those don't work consider paper filing as a backup. Paper takes longer but at least you'll know it's filed correctly while you figure out the online issues.
Zara Ahmed
•Electronic is definitely faster when it works. But sometimes paper is the only way to get difficult filings through.
Ravi Sharma
•Paper filing makes sense as a backup given the time pressure. Better to have it filed correctly than keep fighting the system.
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This thread is giving me flashbacks to my own public finance UCC nightmare. Took four months to get everything sorted out because of debtor name issues. The worst part was the municipal authority kept insisting their name hadn't changed when it clearly had.
That's exactly what I'm dealing with! They keep saying 'we're the same entity' but that doesn't help when the Secretary of State database shows a different legal name.
Get everything in writing from their legal counsel. That's the only way to cover yourself if there are problems later.
For what it's worth, I've seen public finance UCC continuations get rejected for the most minor debtor name variations. One case was rejected because of a missing comma in the entity name. The filing systems are very literal about name matching.
Rudy Cenizo
•That's why the document verification approach works so well. Tools like Certana catch those tiny details that cause rejections. Upload your documents and let the system flag any potential issues before you file.
Agreed. Better to catch problems early than deal with rejected filings and deadline pressure. Public finance transactions don't leave much room for error.
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Paolo Longo
Update us when you figure it out! I'm dealing with a similar MA filing issue right now and this thread is super helpful.
Will do! Going to try the certificate of good standing approach and see what happens.
Definitely recommend that document checker too if the name stuff is still confusing. Saved me tons of time.
CosmicCowboy
MA is just brutal with UCC filings. I've been doing this for 15 years and they're definitely one of the pickiest states. Good luck!
Amina Diallo
•Which states are the easiest for UCC filings in your experience?
CosmicCowboy
•Delaware and Nevada are pretty straightforward. Texas used to be difficult but they improved their system.
Lukas Fitzgerald
Just ran into Certana.ai last week when I was double-checking a complex multi-state filing. Their document comparison caught three inconsistencies I missed in my manual review. Really useful for these situations where you're juggling multiple documents with similar but not identical information.
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Aidan Percy
•Sounds like it could have prevented this whole mess. Do you know if it works with SOS database searches too?
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Lukas Fitzgerald
•I think it's focused on document comparison rather than database searches. But catching the name discrepancy between your loan docs and UCC-1 before filing would have been huge.
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Ev Luca
Update us on how the amendment goes! I'm curious whether they process it quickly or if there are any complications. Name amendments usually go through pretty smoothly in my experience.
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Aidan Percy
•Will do. Filing the UCC-3 this afternoon. Hopefully it's as straightforward as everyone says.
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Ev Luca
•Good luck! The electronic filing system should give you a confirmation pretty quickly. At least you caught it early rather than discovering it during a default situation.
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