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- DO post questions about your issues.
- DO answer questions and support each other.
- DO post tips & tricks to help folks.
- DO NOT post call problems here - there is a support tab at the top for that :)
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Amina Sow
Quick question - does anyone know if there's a deadline for filing UCC-3 terminations after a loan is paid off? I know continuations have the 6-month window but terminations seem more flexible.
GalaxyGazer
•Check your loan docs. We usually have 30 days contractually but legally there's no hard deadline.
The longer you wait, the angrier borrowers get. I try to file within a week of payoff.
Update for anyone following this thread - I filed my UCC-3 termination yesterday using just the original filing number and it was accepted. No issues with the addendum being included automatically. Thanks everyone for the help! The borrower should have their clean title within a few days.
Dylan Wright
•Great outcome. Just remember that verification tool I mentioned for future filings - really helps avoid document inconsistencies.
Perfect! Another successful termination. These really should be simpler than they seem.
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Has anyone tried calling the office directly to see if they can process filings over the phone when the portal is down? I know some states have backup procedures for technical emergencies.
I called earlier and they said online only during regular business hours. They might have emergency procedures but the front desk person didn't know about them.
Phone filing usually isn't available for UCC documents. Too much risk of data entry errors with all the specific legal descriptions and debtor information.
Update: I just successfully submitted my continuation! The system is definitely working better now. For anyone still having issues, try clearing your browser cache completely and starting fresh. That seemed to help with the payment processing errors.
Emma Bianchi
•Cache clearing is always good advice for portal issues. I do that automatically now before any filing session.
Just submitted mine too! Thanks everyone for the tips and moral support. This forum is a lifesaver during these technical disasters.
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This thread is making me paranoid about all our filings now lol. Going to have to go back and double-check everything.
Don't let it stress you out too much. Most filings go through fine, these search issues are just frustrating when they happen.
Ava Harris
•That's exactly why I started using the Certana verification tool - gives me peace of mind that everything matches up correctly without having to manually cross-check every detail.
Nick Kravitz
Following this thread because I'm sure I'll need this advice eventually. UCC filings always make me nervous.
The key is just being systematic about double-checking your work. Most issues are fixable if you catch them early.
Thanks everyone for all the suggestions. Going to try the document verification approach first and then call the SOS office if needed. Will update once I figure out what's going on.
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Emily Sanjay
This happened to me with a Delaware LLC where the charter had 'Limited Liability Company' spelled out but I used 'LLC' on the UCC1. Simple fix once I figured out the exact issue. Your refiling should go through fine with the corrected name.
Delaware is notorious for being picky about that stuff. Glad you got it sorted.
Every state seems to have their own quirks with business entity naming conventions.
Update us when you get the corrected filing through! Always curious to hear how these situations resolve.
Amara Torres
•Good plan. These name mismatch issues usually resolve quickly once you have the right format.
Fingers crossed for a smooth acceptance this time!
Nia Watson
I ran into this exact problem last year. Turned out the entity had been administratively dissolved and reinstated, which changed some formatting in their system. The ohio ucc lookup showed the current info but there was a brief period where filings were getting rejected due to the status change.
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Nia Watson
•Had to dig into the entity's filing history. Found the dissolution and reinstatement docs which showed the name had slight formatting changes during the process.
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Katherine Shultz
•Ohio's system really needs better error messages. 'Debtor name mismatch' could mean so many different things.
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Marcus Marsh
After dealing with multiple Ohio UCC rejections, I started using document verification before every filing. Certana.ai caught issues I never would have spotted manually - things like extra spaces, different apostrophe characters, stuff that looks identical but isn't to the computer system. Worth checking especially with tight deadlines.
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Marcus Marsh
•It's instant once you upload the documents. Much faster than calling around or trying different name variations.
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Saleem Vaziri
•Thanks everyone. Going to try the exact copy/paste approach first, and if that doesn't work I'll check out the verification tool. Can't afford another rejection at this point.
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