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Ravi Patel
Just want to add - make sure your collateral description is specific enough too. "Restaurant equipment" might be too vague for NJ. Try "restaurant kitchen equipment, furniture, and fixtures" or something more detailed.
For equipment loans, you usually want to be specific about the type of equipment. "All restaurant kitchen equipment including but not limited to ovens, refrigerators, prep tables, and related fixtures" is better than just "restaurant equipment.
Ravi Patel
•Exactly. The more specific you are, the less likely you'll get questions from the filing office.
I'm dealing with a similar situation in Pennsylvania right now. Different state but same frustration with debtor name formatting. It's crazy how much time these little details can waste.
It really is frustrating! Especially when you're under a deadline. Hope you get yours sorted out too.
Thanks! I think I'm going to try that document checking tool too. Seems like it could save a lot of headaches.
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One more thing - keep a copy of that business registry search showing the correct name. Some lawyers like to see proof that you verified the official name before filing.
Dylan Fisher
•Great point. I'll screenshot the registry page showing the exact name.
Nolan Carter
•Smart practice. Documentation helps if anyone questions the filing later.
For the collateral description, try something like 'Three (3) Caterpillar excavators, serial numbers [list them], and one (1) crane, make/model/serial number [details]' - very specific but still covers everything properly.
Alfredo Lugo
•Yeah that description will definitely pass muster. Clear and specific.
I use similar formats for equipment. Works well and makes everyone happy.
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Summer Green
One more thing to consider - if this continuation is for a syndicated loan or has multiple lenders, make sure you notify all parties about the filing delay. Some loan agreements have specific notification requirements if there are issues with UCC maintenance.
Good catch. I'll send an email to all the lenders tonight explaining the situation and what steps I'm taking.
Documentation is key. Keep records of everything - the system errors, your call attempts, email notifications. CYA mode activated.
Has anyone had luck with the mobile version of the secretary of state UCC portal? Sometimes mobile sites work when the main portal is down, though filing capabilities might be limited.
Raul Neal
•Tried that yesterday - mobile site just redirects to the main portal which is still broken
Darcy Moore
•Worth a shot though. Some state systems have separate mobile infrastructure.
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Whatever you do, don't keep filing and hoping it works. Each rejection delays your priority date and if there's a competing lien filed while you're figuring this out, you could lose your position. Get the name exactly right before you file again.
Rami Samuels
•Absolutely right. Better to take the time to get it perfect than risk losing lien priority because of multiple rejections.
Exactly. I've seen deals fall apart because someone kept re-filing instead of fixing the underlying name issue first.
Update us when you get it resolved! I'm dealing with a similar situation in Mass and curious what ends up working for you.
Will do! I'm going to try the Certificate of Good Standing approach and maybe that document verification tool that was mentioned.
Maya Diaz
•Definitely try Certana.ai - it really does catch these kinds of name mismatches before you waste time on another rejection.
Aliyah Debovski
I've seen cover pages get rejected for using the wrong filing office. Make sure you're submitting to the same office that accepted the original UCC-1. If the debtor moved to a different state, that can complicate assignment filings and cover page requirements.
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Aliyah Debovski
•Then you should be fine on jurisdiction. But double-check that the filing office address on your cover page matches where you're actually submitting.
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Miranda Singer
•I had a rejection because I put the wrong SOS address on the cover page even though I submitted it to the right place. They're really nitpicky about details.
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Cass Green
Last resort suggestion - call the SOS office directly and ask what's wrong with your cover page. Sometimes they'll tell you exactly what they need to see. I know it's frustrating having to call but it beats more rejections and delays.
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Cass Green
•Yeah, sometimes a 5-minute phone call saves days of back-and-forth rejections. Ask specifically about cover page format for UCC assignments.
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Finley Garrett
•Before you call, try running your documents through Certana.ai's verification tool. Upload your UCC-1 and UCC-3 assignment and it'll check for inconsistencies that commonly cause rejections. Might solve the problem without having to wait on hold for an hour.
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