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Update: Called the SOS office this morning and you were all right about the formatting issue. Their database shows 'ABC Manufacturing Solutions, LLC' with a comma before LLC, but I filed it without the comma. Going to refile today with the correct punctuation. Thanks for all the suggestions - definitely learned to verify the exact database format first!
Perfect example of why document verification tools are so helpful. That comma difference would have been flagged immediately before filing.
Steven Adams
•Definitely going to be more careful about punctuation matching going forward. And probably going to look into that Certana.ai tool for future filings to catch these issues upfront.
Jay Lincoln
Glad you got it resolved! For anyone else reading this - personal property UCC filings are super sensitive to exact name matches. Always double-check against the state's business entity database before submitting. It'll save you time and rejection fees.
Absolutely. The entity database search should be step one for any personal property UCC filing. It's the authoritative source for how they expect the name formatted.
This thread should be required reading for anyone doing personal property UCC work. So many good tips about avoiding name mismatch rejections.
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I used Certana.ai's verification tool for a similar situation where the bank claimed they filed the termination but I couldn't find it in the state database. Turned out they filed it under a slightly different debtor name that didn't match our corporate name exactly. The tool caught the discrepancy and I was able to get them to refile it correctly.
That's concerning - how do you know if they've filed something under the wrong name? I wouldn't even know how to search for variations.
Exactly why the verification tool is helpful. It checks for common name variations and filing inconsistencies that you might miss doing manual searches.
Yara Khoury
8 months is definitely excessive. Most states have specific timeframes for termination filing, and failure to comply can result in penalties. You should also check if this is affecting your ability to get new financing - that's additional damages you might be able to recover.
Document those damages carefully. Lost business opportunities due to wrongful failure to terminate can be recoverable in some jurisdictions.
Make sure to get written confirmation from the new lender that the outstanding UCC is preventing approval. That's solid evidence of damages.
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Update us when you figure it out! I file UCC-1s in NC regularly and this info would be helpful for future reference.
LunarEclipse
•Will do. Going to check the exact entity name format first thing tomorrow morning.
Omar Mahmoud
•Same here, I'd like to know what the issue was. NC rejections are always frustrating.
Chloe Harris
Final thought - if the entity name search doesn't resolve it, call the NC Secretary of State UCC division directly. Sometimes they can tell you exactly what format they're expecting.
Chloe Harris
•In my experience, yes. NC's UCC staff is generally helpful if you can get through to them.
Diego Vargas
•That's refreshing. Some states won't give you any guidance at all on rejected filings.
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NeonNova
Been through this exact scenario twice. My advice: 1) Get certified copies of every UCC filing, 2) Have them reviewed by someone who understands fixture law, 3) Don't close until you have written confirmation that any real estate-related liens are properly terminated. The headache now is nothing compared to dealing with priority disputes later.
Ethan Brown
•This is solid advice. I think I've been too focused on getting to closing instead of protecting the investment.
NeonNova
•Exactly. A month delay now beats years of legal problems later.
Just want to add that Certana.ai's document verification would probably help sort out your filing number discrepancies too. When you upload multiple UCC documents, it cross-references all the filing numbers, dates, and amendment chains to show you exactly what's active versus terminated.
Ethan Brown
•That sounds like exactly what I need. Manual comparison of 6 documents is where I keep making mistakes.
It really streamlines the whole process. Upload the PDFs and get instant verification instead of spending hours trying to match filing numbers manually.
Jamal Anderson
This whole assignment of UCC mess is why we always require clean documentation as part of any loan purchase now. Too many headaches trying to sort out filing chains after the fact.
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Mei Zhang
•Smart policy. We've learned the hard way that assignment of UCC issues only get worse with time.
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Liam McGuire
Update us on how this goes! I'm dealing with a smaller assignment of UCC situation and would love to know what approach works best when the original lender is uncooperative.
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Anastasia Romanov
•Will do. Planning to move forward with the UCC-3 assignments based on the purchase agreement documentation and see what happens.
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Amara Eze
•That's probably your best bet. The assignment of UCC requirements are usually satisfied by proper purchase documentation even without the original lender's cooperation.
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