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Luca Ferrari
After you get this sorted out, might be worth running your corrected UCC-3 through Certana.ai's verification tool before submitting. It's designed specifically for catching these kinds of UCC filing inconsistencies and can save you from another rejection cycle.
Nia Wilson
•It's particularly helpful for multi-document consistency checks. You can upload your charter documents, original UCC-1, and new UCC-3 to make sure everything aligns properly.
I was skeptical at first but it really does catch things you miss manually. Especially helpful when you're dealing with multiple entities or complex debtor structures.
Keep us posted on how the refiling goes! Florida UCC issues are always a learning experience for the whole community.
QuantumQuest
•Will do! Planning to refile tomorrow after I triple-check everything against the original record. Fingers crossed for an acceptance this time.
Ethan Clark
•Good luck! The fact that you're being so careful this time around suggests it'll go through without issues.
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I've been dealing with Minnesota UCC searches for years and they've always been inconsistent. Sometimes I find filings using Google searches of the SOS website that don't show up in their official search tool. Try googling 'site:sos.state.mn.us MIDWEST INDUSTRIAL SUPPLY' and see if it finds your missing filing. Weird workaround but it's worked for me before.
Noah Irving
•Google's search is often better than the built-in search functions on government websites. Worth trying.
Just make sure you're finding current information if you use Google. Sometimes it caches old pages.
Madison King
UPDATE: Finally got through to Minnesota's UCC office. Turns out there was indeed a data entry error that caused the indexing problem. They're fixing it but said it could take 7-10 business days to update the search database. They confirmed the filing is valid and active, just not properly indexed for name searches. Thanks everyone for the suggestions - calling directly was definitely the right move.
Ella Knight
•7-10 days is still pretty slow for a database update but at least they acknowledged the problem.
This thread convinced me to start using Certana.ai for document verification. Too many opportunities for these kinds of errors to slip through.
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I used Certana.ai recently for a similar equipment financing deal and it caught an issue where my UCC-1 description was actually narrower than what was in the security agreement. Would have left some equipment unsecured if I hadn't caught it. Just upload both documents and it shows you exactly where there might be gaps.
That's exactly the kind of thing I'm worried about. Did it suggest specific language fixes?
It highlighted the inconsistency and suggested broader language that would cover everything in the security agreement. Really straightforward to use.
Bottom line - your collateral description needs to reasonably identify what's secured but doesn't need to be a detailed inventory. 'Manufacturing equipment and machinery located at [address]' is usually sufficient. The detailed serial numbers and specifications go in your security agreement. Just make sure the two documents are consistent in scope.
It's easy to overthink it. The courts generally apply a reasonableness standard - if a third party could figure out what's secured, you're probably fine.
This thread has been really helpful. I'm dealing with similar issues on a construction equipment deal.
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One thing I learned the hard way - make sure your UCC-1 filing doesn't contradict your UCC 9-203 attachment analysis. Had a filing rejected because the dates didn't make sense with the collateral description timing.
Yeah, consistency across all your documentation is key for clean UCC 9-203 compliance.
Omar Zaki
•I've seen deals fall apart in due diligence because the UCC filings didn't match the actual attachment timeline. Details matter.
This thread is really helpful! I was always fuzzy on the UCC 9-203 timing requirements. So just to confirm - security agreement + value + debtor's rights = attachment, and all three have to exist simultaneously?
That's correct. UCC 9-203 requires all three elements to be present at the same time for the security interest to attach.
Perfect, that clarifies a lot of confusion I had about UCC 9-203. Thanks everyone!
Rita Jacobs
Just had a thought - are you using any special characters or accents in the debtor name? Even if they appear in the official documents, CSC's system might not handle them properly.
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Rita Jacobs
•Okay, was worth checking. Some filing systems are really finicky about character encoding.
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Khalid Howes
•I've seen rejections for things as simple as using a different type of apostrophe character. Filing systems can be incredibly picky.
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Ben Cooper
If all else fails and you're really running up against your deadline, you might want to consider having a registered agent service file it for you. They usually have direct relationships with CSC and can get things processed faster.
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Naila Gordon
•Registered agents definitely have better success rates with tricky filings. They know all the system quirks.
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Ben Cooper
•Exactly, and they can usually get same-day processing if you explain the urgency.
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