Ask the community...
- DO post questions about your issues.
- DO answer questions and support each other.
- DO post tips & tricks to help folks.
- DO NOT post call problems here - there is a support tab at the top for that :)
Join the conversation
Join the conversation
Been there! Last year I had three UCC-1s all expiring within a month of each other. Talk about stress. The key is just staying organized and not overthinking it. File the continuation with current info, reference the original filing, and you're good for another 5 years.
Three at once sounds like a nightmare! I can barely handle tracking this one properly.
Yeah, it was definitely a learning experience. Now I have a much better system in place.
Quick question - are you sure about the debtor name change? Sometimes what looks like a name change is actually just a DBA or trade name situation. Worth checking the Secretary of State records to see what their official legal name actually is currently.
Exactly. Better to be 100% sure than to guess and have it come back to bite you later.
This is another area where document verification tools are helpful. Certana.ai can cross-reference your UCC filing against corporate records to make sure everything aligns properly.
Join the conversation
This thread is gold. We've been pulling our hair out over these rejections. Going to implement these suggestions starting Monday. Thanks everyone for sharing the specific details about what changed.
Same here. The collective knowledge in this thread is way better than anything I found in official documentation.
Glad this helped. The UCC filing community needs to stick together when the systems change without proper notice.
Final thought - might be worth creating a shared document with all these new requirements until the official documentation catches up. Anyone interested in collaborating on that?
Great idea. I can contribute the collateral description requirements we've figured out.
Count me in too. Between manual checklists and automated tools, we should be able to get ahead of these issues.
Join the conversation
Update us when you get the refiling processed! Curious to see if the corrected name goes through smoothly. NY rejections are so frustrating because they rarely give detailed explanations.
Will do. Planning to file first thing tomorrow morning with the exact DOS name format.
Good luck! At least you caught it with a few days before closing.
For what it's worth, I've found NY to be getting pickier about debtor names over the past couple years. They used to be more forgiving with minor variations but now they seem to reject anything that isn't character-perfect.
I've noticed the same trend. They're definitely more strict than they used to be.
Makes you wonder if they changed their matching algorithm or just decided to be more rigid about enforcement.
Join the conversation
For your exam prep, focus on this distinction: What terminates the SECURITY AGREEMENT (the contract) versus what terminates the FINANCING STATEMENT (the public filing). Security agreements typically terminate when the debt is paid off. Financing statements are terminated by filing UCC-3 or they lapse after 5 years without continuation.
Exactly. Just make sure you read the question carefully to see if it's asking about the agreement, the interest, or the filing. They're related but different.
This thread has been super helpful. I was making the same mistake of treating them as the same thing.
One more way to think about this - I had a situation where we paid off a loan in January but didn't file the UCC-3 termination until March. The security agreement terminated in January when we made final payment (per the agreement terms), but the public filing stayed active until we filed the UCC-3 in March. Two separate events with different timing.
No real issues, but it did cause confusion when we tried to refinance because the title search showed an active UCC filing even though the debt was satisfied.
This is why prompt UCC-3 filing after payoff is so important. Prevents exactly this kind of confusion.
Charlee Coleman
Make sure you're not using any smart quotes or em-dashes that might have gotten copied from a Word document. PDF forms can be finicky about special characters that look normal but aren't standard ASCII.
0 coins
Nathaniel Stewart
•I didn't think about that but it's possible. The original documents might have fancy formatting that doesn't translate well to PDF forms.
0 coins
Liv Park
•Yeah, this is a common issue when copying from Word docs or PDFs that were created with design software.
0 coins
Leeann Blackstein
Update us when you figure it out! I bookmark these threads because I always run into similar issues and it helps to see what actually worked for people.
0 coins
Ryder Greene
•Same here, these PDF formatting issues are becoming more common and it's good to know what solutions actually work.
0 coins
Carmella Fromis
•Definitely interested in the follow-up. These technical filing issues waste so much time.
0 coins