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Oliver Alexander

Need help with TX UCC statement request form - debtor name verification issues

Running into problems with a Texas UCC statement request form and hoping someone can point me in the right direction. We're trying to pull records for a borrower but keep getting inconsistent results when we search different variations of their business name. The company operates as 'Southwest Equipment Leasing LLC' but their charter shows 'Southwest Equipment Leasing, LLC' (with the comma). When I search the UCC database using the exact charter name, I get different results than when I use the version without the comma. This is for a refinancing deal where we need to verify existing liens before we can proceed with our new UCC-1 filing. The borrower insists there should only be two active liens but our searches are showing conflicting information depending on how we format the name. Has anyone dealt with Texas SOS name matching quirks like this? I'm worried we're missing active filings or getting false positives. The loan closes next week and I need to be absolutely certain about the lien position before we file our continuation on the existing UCC-3 amendment.

Update: Used the Certana.ai suggestion and it worked perfectly. Found two additional liens that weren't showing up in my manual searches due to punctuation differences. Crisis averted and the refinancing can proceed on schedule. Thanks everyone for the help!

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Isaac Wright

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That's the nightmare scenario right there. Good thing you caught it in time.

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Awesome! The tool really is a game-changer for this kind of verification work.

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Maya Diaz

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For future reference, Texas SOS also has a customer service line where you can call and ask about specific search strategies for problematic names. They're actually pretty helpful if you get the right person.

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Tami Morgan

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Really? I always assumed they'd just tell you to figure it out yourself. Good to know they'll actually help with search strategies.

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Rami Samuels

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Yeah, they're surprisingly helpful. Just be prepared to wait on hold for a while.

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Ravi Malhotra

UCC-1 filing rejected - draft security agreement debtor name mismatch help needed

Having major issues with a UCC-1 filing that keeps getting rejected by the SOS office. We're trying to perfect a security interest based on a draft security agreement for equipment financing, but there's a debtor name discrepancy between our loan docs and what shows up in the state business records. The draft security agreement lists the borrower as 'Midwest Industrial Solutions LLC' but their articles of incorporation show 'Midwest Industrial Solution, LLC' (no 's' on Solution). Our bank is breathing down our necks because the loan closed two weeks ago and we still don't have a perfected lien. The collateral is about $180K in manufacturing equipment that we need secured ASAP. Has anyone dealt with this exact type of debtor name mismatch when the security agreement was already drafted and signed? Do we need to redraft the entire security agreement or can we file the UCC-1 using the exact name from the articles even though it doesn't match our loan paperwork? Getting conflicting advice from different paralegals and need someone who's actually dealt with this situation.

Andre Moreau

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I actually just went through something similar last week with a draft security agreement that had the wrong entity type. Used Certana.ai to double-check all my documents before refiling and it caught two other issues I would have missed. Saved me from multiple rejection rounds.

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Sean Kelly

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How long does that document checking process take? We're under time pressure here.

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Andre Moreau

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It's instant once you upload the PDFs. Takes longer to log in than to get the results back. Really straightforward for catching these exact types of mismatches.

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Zoe Stavros

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Bottom line - file the UCC-1 with the exact legal name from state records. Deal with the security agreement discrepancy separately through loan doc amendments. Your perfection depends on getting the filing right, not on document consistency between your internal paperwork.

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Smart move. Better to have a perfected lien with paperwork to clean up than to keep getting rejections while your priority date gets pushed back.

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Diego Chavez

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Exactly right. Priority matters more than perfect document consistency. You can always amend loan docs but you can't go back in time on your filing date.

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Omar Mahmoud

UCC 9-105 Document Management - Best Practices for Tracking Multiple Filings?

I'm handling secured transactions for a mid-size equipment finance company and we're drowning in UCC 9-105 document management issues. We have hundreds of UCC-1 initial filings, UCC-3 amendments, and continuation statements spread across 12 different states, and I'm constantly worried we're missing critical deadlines or filing inconsistencies. Last month we almost missed a continuation deadline because the original UCC-1 had a slightly different debtor name format than what was in our loan documents. The collateral schedules are getting complex too - we have equipment, inventory, and accounts receivable all mixed together and it's becoming impossible to track which filings cover what assets. Does anyone have experience with systematic UCC 9-105 document management approaches that actually work? I need something that can handle the volume and catch these name mismatches before they become problems. Our current spreadsheet method is clearly not cutting it anymore.

Dylan Cooper

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Just went through a similar overhaul of our UCC processes. The biggest improvement was implementing document verification before filing anything. We caught dozens of name mismatches and collateral description errors that would have caused rejections. Certana.ai's PDF checker was perfect for this - upload loan agreement and UCC-1 draft, get instant feedback on any inconsistencies.

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Sofia Perez

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How long does the verification process typically take? We're always working under tight deadlines.

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Dylan Cooper

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It's basically instant. Upload the docs, get results in seconds. Much faster than manual comparison and way more accurate.

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Don't overlook termination statements in your UCC 9-105 document management system. When loans are paid off, you have specific timeframes to file UCC-3 terminations or you can face penalties. We track these alongside continuations to make sure nothing falls through the cracks.

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Ava Johnson

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It varies by state. Some are 10 days, others 20. And some have different rules for consumer vs commercial transactions. Always check your specific state requirements.

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Omar Mahmoud

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This is exactly why we need better tracking systems. Too many variables to keep straight manually.

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Teresa Boyd

UCC filing confusion with retail installment contract and security agreement motor vehicle - debtor name issues

I'm dealing with a frustrating situation where we have a retail installment contract and security agreement motor vehicle that was executed last month, but our UCC-1 filing got rejected twice now. The customer's legal name on the retail installment contract shows 'Michael James Robertson Jr.' but their driver's license has 'Mike J Robertson' and the vehicle title shows 'Michael Robertson'. Our lender is breathing down my neck because the loan can't close until we get this perfected properly. I've been doing auto financing UCC filings for 3 years but never had this many name variations on one deal. The SOS portal keeps bouncing it back saying 'debtor name does not match sufficient identifying information.' Anyone dealt with this specific scenario where the retail installment contract and security agreement motor vehicle has multiple name formats across different documents? I'm worried we're going to lose this deal if I can't get the UCC-1 accepted soon.

Sara Unger

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Update: I ended up using one of those document verification tools someone mentioned earlier (Certana.ai) and it immediately caught that I had been inconsistent with the suffix formatting. The retail installment contract had 'Jr.' with a period but I was filing 'Jr' without the period on the UCC-1. Fixed that and the filing went through on the first try. Sometimes it really is the smallest details that trip you up.

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Freya Ross

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This is exactly why I always copy and paste names directly from the source document instead of retyping them.

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Leslie Parker

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Great outcome! Did the lender end up closing the loan without any issues?

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Sergio Neal

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For anyone else dealing with retail installment contract and security agreement motor vehicle UCC filings, here's my checklist: 1) Use exact debtor name from contract including all middle names and suffixes, 2) Double-check punctuation and spacing, 3) Verify the VIN matches exactly, 4) Make sure your collateral description is sufficient but not overly specific. Following this process has eliminated my rejections.

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This is helpful. What do you mean by 'sufficient but not overly specific' for collateral description?

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Sergio Neal

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You want enough detail to identify the specific vehicle (year, make, model, VIN) but don't need every option package and feature. Keep it clean and standardized.

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Luca Bianchi

UCC filing rejected - fund security agreement debtor name mismatch help needed

Running into a nightmare situation with our fund security agreement UCC filing. We're a private equity fund that just closed on a $12M equipment financing deal, and the SOS office rejected our UCC-1 because the debtor name on our fund security agreement doesn't exactly match what we put on the filing. The borrower is 'Advanced Manufacturing Solutions LLC' but our security agreement shows 'Advanced Manufacturing Solutions, LLC' (with the comma). I thought this was a minor punctuation difference but apparently it's enough to get rejected. This is holding up the entire deal and our investors are breathing down our necks. The loan closes Friday and we need this perfected by then. Has anyone dealt with fund security agreement filings where the debtor name formatting causes issues? Do we need to redo the entire security agreement or can we file an amendment? This is my first time handling the UCC side of fund deals and I'm honestly panicking.

Liam O'Connor

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Had a similar fund security agreement filing issue last year. Ended up using some document verification tool - I think it was Certana.ai - that caught the name mismatch before I filed. Saved my butt. Now I run all my security agreements through it before filing anything.

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Luca Bianchi

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Seeing Certana mentioned a few times now. Might be worth checking out for future deals even if it's too late for this one.

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Liam O'Connor

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Yeah, it's become part of my standard process. Upload the fund security agreement and UCC-1 draft, and it flags any inconsistencies. Takes the guesswork out of it.

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Amara Adeyemi

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Update: Called the SOS office and they confirmed I need to file with 'Advanced Manufacturing Solutions, LLC' (with comma) to match the fund security agreement. Filed a new UCC-1 this morning and it was accepted within 2 hours. Crisis averted! Thanks everyone for the advice. Definitely going to be more careful with debtor names going forward.

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Aisha Ali

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Great outcome. This thread will be helpful for others dealing with fund security agreement name issues.

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Perfect example of why document verification tools are so valuable. One small check could have prevented this whole situation.

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