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Ethan Wilson
The 6-month window is there for a reason - use it. File early, verify everything is correct, and then you can relax knowing your security interest stays perfected.
That's the plan. Going to get this filed next week and be done with it.
Nia Thompson
•Smart approach. Better to file early and have peace of mind than stress about deadlines.
Chloe Martin
Just remember that if you miss the continuation deadline, your security interest becomes unperfected and you lose your priority position. With equipment financing, that's not a risk worth taking.
Yeah, that's why I'm being so careful about this. The equipment is worth too much to risk losing the security interest.
Diego Rojas
•Plus if you let it lapse, you'd have to file a whole new UCC-1 and lose your original priority date.
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Quick question - when you refile, are you going to use the same filing number or get a new one? I always worry about creating duplicate entries in the system when refiling after a rejection.
Right, the rejected filing essentially doesn't exist in the system, so the new filing will be treated as an original UCC-1.
Yara Nassar
•That's actually really helpful to know. I was wondering about the same thing for a filing I need to correct next week.
Update us when you get it resolved! Always curious to hear how these trade finance UCC issues work out, especially with the tight timelines you're dealing with.
Sean Doyle
•Will do! Planning to refile tomorrow morning with the correct charter name. Hopefully that resolves it quickly.
Paolo Ricci
•Good luck! Trade finance deals are stressful enough without UCC filing complications adding to the mix.
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Carmen Lopez
I've been through this process three times now and each time I discover something new I should have done differently. The UCC 1-309 requirements seem straightforward but there are so many little details that can trip you up. At least this thread is helping me feel like I'm not the only one struggling with this stuff.
Andre Dupont
•You're definitely not alone! The UCC is complex and every situation has its own quirks. That's why verification tools and forums like this are so valuable.
Same here - I thought I understood UCC compliance until I actually had to execute it. There's a big difference between reading the rules and applying them correctly.
One thing I learned the hard way - keep detailed records of everything related to your UCC 1-309 notice. Date sent, method of delivery, debtor responses, everything. If you end up in court, you'll need to prove you followed proper procedures.
Jamal Wilson
•Exactly. I create a timeline with every action and keep copies of everything. Courts love seeing organized compliance documentation.
Mei Lin
•And don't forget to document the condition of the collateral when you take possession. Photos, appraisals, maintenance records - everything that supports your disposition decisions.
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Update us when you get it sorted! These Colorado filing horror stories help everyone learn what to watch out for.
Emma Davis
•Will definitely post an update. This thread has been incredibly helpful already.
Ethan Wilson
Pro tip: when you do get the correct name format, save it in a master file with all your Colorado entity names. Saves time on future filings and prevents these repeated issues.
Smart approach. I keep a spreadsheet with exact name formats for every entity I file against. Colorado, Delaware, and Texas are the pickiest in my experience.
Yuki Tanaka
•California is pretty bad too but at least their error messages are more specific about what's wrong.
PaulineW
Have you contacted the original lender directly? They should be able to provide a complete list of their UCC filings for this borrower. Might save you from trying to piece together the search results. Sometimes lenders file under parent company names or guarantor names that don't show up in obvious searches.
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PaulineW
•Typical. They don't want to admit if they made filing errors. You'll probably have to piece it together yourself.
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Annabel Kimball
•I'd get that in writing from them - if they're claiming proper filing but you find name mismatches, that could be important for lien priority disputes later.
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Chris Elmeda
This thread is making me paranoid about our UCC filing procedures. We always use the exact legal entity name from incorporation documents, but now I'm wondering if we should be checking for DBA variations too. How do most lenders handle debtor name verification before filing?
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Jean Claude
•We run the borrower's name through Certana.ai before filing to catch any inconsistencies with their corporate documents. Helps avoid these issues upfront.
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Derek Olson
•The key is using ONE consistent name format across all UCC filings for that borrower. Pick the legal entity name and stick with it.
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