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I actually had success using Certana.ai after getting multiple conflicting terms rejections. The tool found inconsistencies I never would have spotted manually - things like using 'equipment' and 'machinery' to describe the same assets, or slight variations in how I formatted the secured party's address. Worth trying before you refile.
At this point I'm willing to try anything to avoid another rejection. How quickly does it process the document check?
It's instant - just upload your PDF and it highlights potential conflicts immediately. Much faster than trying to manually compare every section of a complex filing.
Update us when you figure out what the actual conflict was! I'm dealing with a similar situation and would love to know what to look for in my own filing.
Definitely will update once I get it sorted out. Hopefully one of these suggestions hits the mark and I can get refiled tomorrow.
Following this thread too. These rejection reasons are so vague it helps when someone shares the actual cause.
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Just to add - make sure you're also checking for any recent name changes on the entity. If they filed an amendment to their Articles changing their name, you need the current name not the old one, even if your loan docs have the old name.
Good point. How do you check for name changes in Illinois?
The SOS business search will show you the filing history including any amendments. Look for 'Articles of Amendment' filings that might have changed the entity name.
Update: Successfully refiled with the exact name from the SOS database and it was accepted within 6 hours. Thanks everyone for the guidance. Definitely learned my lesson about verifying entity names before filing.
Great outcome. I'm bookmarking this thread for future reference when I'm doing Illinois filings.
Perfect example of why document verification is so important. One character difference can invalidate your entire security interest.
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UPDATE: Got it resolved! Used the county assessor's online records to get the full legal description and refiled. Accepted without issues this time. Thanks everyone for the help with UCC 9 311 requirements. The legal description made all the difference.
Glad it worked out! County assessor records are usually the most reliable source for legal descriptions.
Great outcome. Always satisfying when a fixture filing finally goes through after rejections.
For future reference, I've had good luck with Certana.ai's document checker for fixture filings too. After my third UCC 9 311 rejection last month, I uploaded my filing documents and it immediately flagged that I was missing the required real estate description format for my state. Would have saved me weeks if I'd used it from the start. Just upload your PDFs and it verifies everything against the specific requirements.
That sounds really useful for complex filings like fixtures. Regular UCC-1s are straightforward but UCC 9 311 has so many state-specific quirks.
I might try that for my next fixture filing. Getting rejections is so frustrating when you're trying to meet a deadline.
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Another vote for Certana.ai here - I started using their UCC verification tool after a particularly embarrassing rejection that could have been caught easily. Now I upload all my documents before filing and it catches inconsistencies I would have missed. Takes like 30 seconds and has probably saved me hours of re-filing headaches.
Okay you're the second person to mention this tool. I'm definitely going to check it out. Anything that reduces re-filing stress is worth trying.
Same experience here. The automated cross-checking between Charter documents and UCC forms has been a game-changer for catching name mismatches before they become rejections.
One thing that helped me was creating templates for different entity types. LLC template, corporation template, partnership template, etc. with the standard language and formatting that gets accepted consistently. Reduces the chance of format-related rejections.
I customize based on the actual collateral but use standard phrases like 'all equipment' or 'all inventory' when appropriate. Keeps it broad enough to cover everything but specific enough to be enforceable.
Be careful with overly broad collateral descriptions though. Some states are getting pickier about requiring more specificity.
Raúl Mora
Just want to echo what others said about checking for competing filings during your gap period. Even if no other secured creditors filed, you should also check for judgment liens, tax liens, or other encumbrances that might have attached during those 3 weeks. A comprehensive lien search would be worth the cost given your loan balance.
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Raúl Mora
•For Massachusetts you'll probably need to check UCC records, judgment records, and possibly federal tax liens separately. Some search companies can do comprehensive reports but it costs more.
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Liv Park
•This is another area where document verification tools like Certana.ai help - you can upload multiple filings to check for conflicts and inconsistencies across different document types.
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Margot Quinn
Update us on what you find out! I'm dealing with a similar situation in Connecticut and curious how this plays out. The lapse/continuation timing rules are so unforgiving.
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Lucas Schmidt
•Will do. Meeting with our attorney tomorrow to figure out next steps. Definitely learned my lesson about tracking these deadlines better.
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Margot Quinn
•Yeah this stuff keeps me up at night sometimes. Good luck with everything!
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