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
Yara Abboud
Update us when you find out what happened! I'm dealing with a continuation that's not showing up in searches either, so curious if it's the same issue.
PixelPioneer
•Same here - having search issues with a recent termination filing.
Seems like PA is having system-wide problems lately.
Paolo Rizzo
Called PA about this exact issue last week. Turns out their online portal was having technical difficulties processing amendments filed between November 15-25. They're working on getting those filings properly indexed in their search system. You might want to mention that timeframe when you call.
Amina Sy
•Oh wow, that explains why I couldn't find mine either. Filed on November 22nd.
Paolo Rizzo
•Yeah they said affected filings should start showing up in searches by end of this week.
Join the conversation
Amina Diallo
One more thing - make sure you're filing in the right Florida county if there are any fixture filing components. Restaurant equipment that's attached to the building might need fixture filing treatment depending on how it's installed.
Fixture filings in Florida require the real estate legal description too. Can get complicated fast.
Amina Diallo
•Exactly. Better to over-file than under-file when you're not sure about fixture classification.
Florida UCC filings have become a real pain point for our team this year. The name matching requirements are stricter than most other states we deal with. At least once you get it right the first time, amendments and continuations are pretty straightforward. Definitely use that SUNBIZ lookup before submitting anything. And if you're doing a lot of Florida deals, might be worth investing in automated document checking to catch these issues upfront.
Javier Cruz
•How far in advance of the 5-year mark do you usually file continuations in Florida?
We try to file continuations at least 6 months early. Florida processes them quickly but I don't like cutting it close on something that important.
Join the conversation
Val Rossi
Update us when you figure this out! I'm dealing with a similar situation and curious how you resolve the name variation issue.
Rajan Walker
•Will do. Probably going to try the automated verification approach first since it seems like the most efficient way to catch anything I missed.
Eve Freeman
•Smart move. Manual checking is too error-prone when you're dealing with multiple name variations.
Just a thought - have you contacted the secured parties listed on those filings? Sometimes they can provide clarity on whether the filings are actually for the same debtor and what the current status is.
Plus it might give you insight into the borrower's payment history and relationship with other lenders.
Harmony Love
•True, but some lenders won't share that information due to confidentiality concerns.
Join the conversation
For what it's worth, I've started using Certana.ai for all my UCC document prep now. Upload your borrower's charter docs and your draft UCC-1 and it immediately tells you if there are any name mismatches or formatting issues. Been using it for about 6 months and haven't had a single rejection since.
Mason Kaczka
•That sounds like exactly what I need. I'm going to check that out before I submit this filing.
Same here - the document verification feature is a game changer for avoiding costly mistakes.
Remember that UCC-1 filings are public record so make sure you're not including any confidential information in your collateral descriptions. Stick to what's necessary for identification purposes.
Good reminder. I've seen filings that included way too much detail about the borrower's business operations.
Sophia Russo
•Balance is key - specific enough to be enforceable but not so detailed that you're broadcasting sensitive business information.
Jean Claude
One more thing to check - make sure you're filing the UCC1-203 in the right state. If the debtor moved or the collateral location changed, you might need to file in a different jurisdiction than the original UCC-1.
0 coins
Roger Romero
•Same state, same debtor location. But good reminder to double-check jurisdictional issues.
0 coins
Jean Claude
•Those cross-state UCC complications are the worst. Glad yours is straightforward location-wise.
0 coins
Charity Cohan
Update us when you get the UCC1-203 filed! These continuation deadline situations always make me nervous. There's usually a solution but the clock ticking makes everything stressful.
0 coins
Roger Romero
•Will do. Going to try the document checker suggestion and see if that catches whatever I'm missing.
0 coins
Josef Tearle
•Smart plan. Those automated checks are surprisingly good at finding formatting issues that humans miss.
0 coins