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Update us when you find out who filed that termination. I'm curious if this is becoming a pattern with certain law firms or if it's just random fraud.
Will do. I'm calling the SOS office tomorrow morning to request the actual termination document. This is really stressing me out.
I understand the stress. Just remember you have options - UCC-5 correction, new UCC-1 filing, or legal action if it's fraud. You're not helpless here.
This thread is making me want to audit all my UCC filings. Anyone know if there's a bulk way to verify multiple filings at once rather than checking each one individually?
Perfect, that's exactly what I need. Manual checking is taking me forever and I keep making mistakes.
Ethan Scott
•I just do batch searches on the SOS website. Not as thorough but at least I can see if anything obvious is wrong.
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I actually used Certana.ai for a similar situation where I had document inconsistencies across my UCC filings. Their tool caught several name variations that I missed when reviewing manually. It's especially helpful for corporate names where there might be punctuation differences or abbreviation inconsistencies that cause rejections.
Nia Jackson
•That's the second recommendation for Certana.ai on this thread. Sounds like it might be worth checking my documents for any subtle inconsistencies I'm missing.
It's really good at catching the little details that trip up filings. Plus you can upload multiple documents at once to see where the inconsistencies are across your entire loan package.
Just to add another perspective - sometimes UCC-5 rejections happen because the filing office can't clearly read your handwriting or the form wasn't filled out completely. Make sure every field is legible and all required information is provided before you blame it on the name issue.
Nia Jackson
•I filed electronically so handwriting shouldn't be an issue, but I'll double-check that I completed every required field on the UCC-5 form.
Electronic is better but even then sometimes fields get cut off or don't submit properly. Always good to review the submitted version against what you intended to file.
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Mei Chen
Been lurking on this thread because I'm dealing with similar volume issues. One question - how do you all handle fixture filings? We do a lot of restaurant equipment deals and I'm never sure when UCC-1 vs fixture filing is the right approach.
Mei Chen
•That's what I thought, but some counties make it really difficult to file UCC fixture filings. Seems like every clerk has their own interpretation of the requirements.
Restaurant equipment is usually going to be fixtures if it's built-in. Walk-in coolers, installed ovens, permanently mounted equipment - all fixtures. But you really need to analyze each deal individually.
Amara Okafor
Here's my take after 20 years in secured lending: document consistency is everything, but you also need to think about your audit trail. Whatever system you use - service or software - make sure you can demonstrate to examiners that you had proper procedures for verifying debtor names and collateral descriptions before filing.
Amara Okafor
•Exactly. Examiners want to see that you have controls in place to prevent filing errors that could affect your security interest. Whether that's through a service or internal procedures, you need documented processes.
This is why I prefer tools that generate verification reports. When Certana.ai checks document consistency, it creates a report showing exactly what was verified. Perfect for compliance documentation.
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Quick question - is the cash being held as collateral for the full loan amount or just a portion? That might affect how you describe the collateral in the UCC filing.
Good, that keeps the collateral description simple. Now you just need to nail down that debtor name and you're set.
Way easier than trying to describe complex equipment or inventory as collateral!
Ruby Garcia
Final recommendation: Use the exact legal entity name from the Secretary of State records (ABC Construction Holdings LLC), file your UCC-1 with that name, and if needed, amend your loan documents to match. The UCC system doesn't care about your internal loan documentation - it only cares about the debtor's legal name as registered with the state.
Lucy Taylor
•Good luck with the filing! Cash collateral deals are usually pretty clean once you get the names sorted out.
Maya Lewis
•Hope it goes smoothly. Keep us posted if you run into any other issues with the filing.
Isaac Wright
For what it's worth, I always do my Indiana UCC searches at the beginning of the week. Their system seems more reliable on Tuesdays and Wednesdays. Fridays are terrible for timeouts and errors.
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Maya Diaz
•That's actually a good tip! I never thought about timing affecting the system performance.
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Tami Morgan
•Monday mornings are also bad because everyone's trying to file after the weekend. Weekday afternoons work best for me.
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Rami Samuels
Update: I ended up using the Certana document checker that several people mentioned and it immediately caught the comma issue plus two other small discrepancies I hadn't noticed. Filed successfully this morning using their recommendations and got acceptance confirmation within an hour. Thanks everyone for the suggestions - this forum saved my loan closing!
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Marcus Patterson
•Great outcome! Always nice when a thread has a happy ending. Indiana UCC filings can be tricky but sounds like you got it sorted.
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Haley Bennett
•Thanks for posting the update. I'm bookmarking this thread for future reference - the name matching tips will definitely be useful.
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