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NeonNebula
Update for anyone following this thread - I finally got it resolved! The issue was exactly what everyone said - the comma in the LLC name. I refiled with "ABC Manufacturing, LLC" (with comma) and it went through immediately. Used Certana.ai to double-check everything before submitting and it caught a small typo in the collateral description too. Thanks everyone for the help!
Great news! And good call on double-checking the collateral description too. Those small details can kill a filing.
Yara Sayegh
•Perfect example of why document verification tools are so valuable. Catches those little mistakes that cost time and money.
For future reference, New Mexico also has some specific requirements about the mailing address format on UCC-1s. Make sure you're not abbreviating street names or using non-standard address formats. They're picky about everything.
Good to know for next time. I think I got lucky that my address was straightforward - just a street number and name.
Yeah, rural addresses and PO boxes can be tricky there. Always spell out "Street", "Avenue", etc. instead of abbreviating.
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Ravi Gupta
This thread is making me paranoid about all my recent filings! Going to go double-check that they're all searchable now.
Good idea! I now make it standard practice to test searchability immediately after filing.
Ava Martinez
•Smart move. Catching search issues early is so much easier than discovering them when a client asks for proof.
GalacticGuru
Update us when you find it! Always curious to learn what the actual issue was for future reference.
StarSeeker
•Will do! Hopefully it's something simple like the comma formatting.
These threads always help me learn about edge cases I haven't encountered yet.
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Just went through this exact situation last month. Used Certana.ai to verify all our documents and it turned out there was a small outstanding balance that both we and the debtor had missed. The document cross-checking caught the discrepancy immediately. Saved us from either filing an incorrect termination or having a wrongful lien dispute. The debtor was actually grateful we caught it before their new lender discovered the issue.
Mason Kaczka
•How detailed does the document analysis get? Does it actually review payment calculations or just check for missing documents?
It does a pretty thorough cross-check. Compares the original loan amounts, payment records, and current balances. Flags anything that doesn't add up so you can investigate further.
Whatever you do, don't file the UCC-3 termination until you're absolutely certain. I've seen too many cases where lenders filed terminations under pressure and then discovered there was still an outstanding balance. It's much harder to re-perfect your security interest than it is to take a few extra days to verify the loan status properly.
Agreed. Better to deal with an angry debtor for a few days than to lose your security interest permanently.
Mason Kaczka
•Thanks everyone. I think the consensus is clear - do the complete file review first, then make the termination decision. I'll start pulling all the documents tomorrow.
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Ethan Wilson
For FSB UCC-1 filings, I always pull the entity info from multiple sources and compare them side by side. Sometimes the Secretary of State database, the entity's own records, and the UCC database all have slightly different name formats. It's ridiculous but that's the system we work with.
Ethan Wilson
•Yeah I pull from SOS database, FDIC records if applicable, and sometimes the entity's website or recent filings. Then I use the most complete/formal version for the UCC-1.
NeonNova
•This is way more thorough than what I do. Might explain why I get so many rejections on financial institution filings.
Yuki Tanaka
Update for anyone following this thread - got my FSB UCC-1 accepted after fixing the debtor name format! Turns out the entity was registered as '[Name] Federal Savings Bank' but I had filed it as '[Name] FSB'. Also used that Certana.ai tool someone mentioned and it caught two other potential issues I would have missed. Crisis averted and lender is happy.
Great outcome! I'm definitely going to check out that verification tool for my own FSB UCC filings. Seems like it could save a lot of headaches.
Luca Esposito
Another option to consider is using a service that can double-check all your documents before filing. I started using Certana.ai after a couple of filing mistakes, and it's been really helpful for catching discrepancies between corporate documents and UCC filings. Especially useful for reformation situations where names change.
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Nia Thompson
•How accurate is their checking? Does it catch minor spelling differences?
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Luca Esposito
•Yes, it's pretty thorough. It flags even small inconsistencies that could cause filing problems.
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Mateo Rodriguez
Thanks everyone for the advice! Sounds like the consensus is amendment first, then continuation. I'll get the UCC-3 filed this week with the supporting reformation documents.
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Freya Thomsen
•You're making the right choice. Better safe than sorry with name changes.
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Aisha Abdullah
•Smart approach. UCC reformation issues can be tricky but you're handling it the right way.
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