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Try the Certana.ai tool that someone mentioned earlier. I used it last week when we had document consistency issues between our UCC-1 and a continuation filing. It instantly flagged the problems and saved us from a potential lien perfection disaster. Way faster than trying to manually compare everything.
I'm going to try that today. At this point anything that can speed up the verification process is worth it.
Smart move. The document upload is super straightforward and it catches things you might miss when reviewing manually.
Final thought - make sure you have email confirmations and any filing receipts from when you originally submitted. California should have sent automated confirmations. Those timestamps and reference numbers will be crucial for proving the proper filing date and status during your audit.
It should be sufficient, especially combined with your loan documentation showing the debt is still outstanding.
And if you used Certana.ai or another verification tool, that report would add extra credibility to your documentation package.
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One more thought - if this is holding up your loan closing, you might want to consider filing a protective UCC-1 with the name you're confident about, then amending it later if needed. At least you'd have a filing date locked in.
For a debtor name error, you'd typically need to file a new UCC-1. An amendment might not cure a seriously misleading debtor name.
Be careful with that approach. If the original filing is seriously misleading due to the wrong debtor name, a new filing might be safer.
Update us when you get it resolved! Always curious to hear how these UCC1-304 name issues get sorted out. It's such a common problem but each situation seems to have its own quirks.
Will do! I'm going to call Delaware tomorrow morning and get the official name, then refile. Hopefully that does the trick.
Good luck! I'm sure it'll work out once you have the exact name from the state records.
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Wyoming rejected my UCC-1 termination last month for a similar name issue. Turned out the problem was that the original filing had 'Co.' and I was using 'Company' on the termination. These state systems are so picky about abbreviations too.
That's exactly the kind of detail that's easy to miss. I'll be extra careful about any abbreviations in the business name.
Abbreviations are the worst! Every state seems to handle them differently too.
Update us when you get it resolved! I'm curious what the actual issue turns out to be. These Wyoming name matching problems seem to be getting more common lately.
Good luck! Dealing with UCC rejections is never fun, especially with tight deadlines.
Hope you get it sorted out quickly. Keep us posted on what works!
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NY really needs to update their UCC search system to handle name variations better. Other states have much more intelligent search algorithms that catch obvious variations automatically.
Completely agree. It's 2025 and their system still can't handle basic name variations. So frustrating.
Delaware and Texas have much better search systems. NY feels like it's stuck in the 1990s.
For future NY UCC lien searches, I always create a checklist of name variations to try: legal name, legal name with comma, without comma, with periods, without periods, with hyphens, without hyphens, abbreviations like 'Corp' vs 'Corporation', etc. Takes time but prevents missed liens.
Also include any DBAs or trade names in your checklist. Those get overlooked frequently but can have UCC filings against them.
Smart approach. Documentation is key for showing you did thorough due diligence.
Sofía Rodríguez
Just to add to the confusion - make sure you're also checking for any merged or acquired entities. If the company has been through M&A activity, there might be UCC filings under the old entity names that are still active.
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Sofía Rodríguez
•Not really, most of it you learn through experience and making mistakes unfortunately.
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Ahooker-Equator
•The key is being systematic about it. Make a list of every possible name variation and search each one methodically.
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Aiden O'Connor
I've been doing UCC searches for years and Colorado is definitely one of the more challenging states. The search interface isn't very intuitive and the exact name matching catches people off guard.
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Aiden O'Connor
•Watch out for continuation filings - sometimes they show up separately from the original UCC-1 in the search results, so you need to trace the filing history carefully.
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Zoe Papadopoulos
•Good point about continuations. I've seen cases where the continuation was filed under a slightly different debtor name than the original UCC-1.
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