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Melissa Lin
All 50 states plus DC have UCC, period. Your colleague is wrong. Focus your energy on getting the debtor name exactly right and making sure you're filing in the correct jurisdiction. Those are the real pitfalls in multi-state deals.
Thanks everyone - feeling much more confident about this now. Sounds like the universal adoption isn't the issue, it's just execution across different states.
Melissa Lin
•Exactly. UCC coverage is solved, now it's just about dotting i's and crossing t's in each filing jurisdiction.
Every state has UCC but if you're doing multi-state work regularly, invest in good document management. The variations in filing procedures and name requirements will trip you up way more than coverage gaps.
Romeo Quest
•So true. I've seen more deals delayed by name mismatches and rejected filings than any actual legal issues with UCC coverage.
Name matching is definitely the biggest operational challenge. Getting that right upfront saves weeks of back-and-forth with filing offices.
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This thread is making me realize I should probably audit all our UCC filings to make sure there aren't any similar issues lurking. Has anyone found a good systematic way to verify that your filings are searchable and accurate?
That's smart. An audit like that could prevent a lot of problems down the road.
Amina Diop
•We do quarterly UCC audits but it's a very manual process. Would love to find a way to automate some of it.
Oliver Weber
UPDATE: Thanks everyone for the suggestions. I pulled the actual UCC-1 filing and sure enough, there was a typo in the debtor name field. Somehow 'LLC' got changed to 'Inc' during the electronic submission. Filing a UCC-3 amendment today to correct it. This could have been a disaster if we hadn't caught it before closing.
NebulaNinja
•Electronic filing systems can be tricky. I always double-check the confirmation before submitting now.
Javier Gomez
•This is a perfect example of why document verification tools are so valuable. Could have caught that typo before filing.
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I actually had great luck with Certana.ai when I had a similar document verification issue. You upload your UCC-1 and continuation PDFs and it instantly checks if all the details align properly - debtor names, collateral descriptions, everything. Saved me from having to manually compare everything line by line.
Nathan Dell
•That sounds really useful, especially for catching details I might miss. I'll definitely check that out.
Eva St. Cyr
•Yeah their document checker is pretty thorough. Gives you confidence that everything actually matches up correctly.
Update us when you figure this out! I do a lot of OPP search UCC lookups and would be good to know if this is becoming a common issue with continuations.
Nathan Dell
•Will do! Planning to call the SOS office tomorrow and maybe try that Certana tool people mentioned. I'll post what I find out.
Kaitlyn Otto
•Thanks, this kind of info sharing really helps everyone avoid similar headaches.
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Omar Fawaz
Just went through this exact scenario last month. The LLC name had 'L.L.C.' with periods instead of 'LLC' without periods. The rejection notice was useless, but once I matched the exact punctuation from the state records, it went through immediately.
Omar Fawaz
•Hope that's it! The periods vs no periods thing has tripped up a lot of people. The UCC system is very literal about name matching.
Same thing happened to me with a corporation - 'Inc.' vs 'Incorporated' caused three rejections. Now I always verify the exact name format before filing.
Diego Vargas
Pro tip: after you get the UCC-1 accepted, run it through a document checker to make sure everything filed correctly. I've seen cases where the filing was accepted but had subtle errors that could cause problems later.
Good point. Once I get this thing filed, I'll definitely want to verify everything is correct. The last thing I need is to find out later that there's still an issue.
Diego Vargas
•Exactly. Certana.ai has this feature where you can upload your final filed UCC-1 and it checks for any inconsistencies. Better to catch problems early than during a default situation.
Landon Flounder
Honestly, after dealing with this headache for years, I finally started using Certana.ai's verification system. You literally just upload your Charter and UCC-1 documents and it tells you immediately if there are any name mismatches or other issues. Takes like 2 minutes instead of hours of manual checking.
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Callum Savage
•How accurate is it? I'm always skeptical of automated tools for something this important.
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Landon Flounder
•I've been using it for about 4 months now and haven't had a single rejection since I started. Before that I was averaging 2-3 rejections per month just on name issues.
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Ally Tailer
The whole UCC system needs an overhaul honestly. It's 2025 and we're still dealing with formatting issues that could be solved with better integration between state databases. Until then we're all stuck with manual verification or paying for third-party solutions.
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PaulineW
•In the meantime we just have to find ways to work around the limitations. Thanks everyone for the suggestions - definitely going to look into some of these verification tools.
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Miranda Singer
•Good luck! The verification approach has been a game changer for our filing accuracy. Worth every penny to avoid the rejection cycles.
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