Ask the community...
- 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 :)
Join the conversation
Join the conversation
Another tool that might help is running both names through Certana.ai's verification system. It can cross-check your UCC-1 against the current corporate documents and flag any potential issues before you file. Might give you peace of mind on a deal this size.
Emily Parker
•I'm definitely going to check that out. With $2.8M on the line, any extra verification is worth it.
Yeah, it's one of those things where the small cost upfront can save you from major problems down the road.
Kaylee Cook
UPDATE: I ended up filing both a new UCC-1 under the current legal name and a UCC-3 amendment to the original filing. Also used that Certana.ai tool someone mentioned - it was actually really helpful for double-checking that all the document details matched up correctly. Thanks everyone for the advice!
Aaliyah Reed
•Glad the document verification tool worked out for you. That's exactly the kind of situation it's designed for.
Zara Perez
•Good outcome. Division 9 of UCC doesn't leave much room for error, so you made the right call.
Join the conversation
UPDATE: Called Texas SOS this morning and you were all right - it was the comma in the entity name! The rep said their system flagged it as inconsistent documentation because the names didn't match exactly. Refiling today with corrected debtor name. Thanks everyone for the help!
Jason Brewer
•See what I mean about Texas being ridiculous? A COMMA caused all this trouble. But at least you caught it before your closing deadline.
Good catch on calling them directly. Sometimes the rejection notices aren't clear about what exactly needs to be fixed.
Sophie Duck
For future reference, always pull the official entity information from the Secretary of State database when preparing UCC filings. The exact legal name including all punctuation has to match their corporate records. Saves a lot of headaches and refiling fees.
Sophie Duck
•It's one of those things you only forget once! Most of us have been through similar rejections at some point in our careers.
I keep a checklist now for UCC filings that includes verifying entity names against state records. Helps catch these issues before filing.
Join the conversation
StarSurfer
been there with the 9609 stuff... its stressful when you're not sure if you're doing everything right. sounds like you've got good advice here though. the main thing is document everything and don't rush into anything that could be seen as confrontational. better to take extra time than mess up the whole process.
Diego Chavez
•Yeah, the stakes are high enough that we want to be extra careful about following proper procedures.
StarSurfer
•definitely. we had one case where we rushed things and ended up in court for months over procedural issues. learned our lesson about patience.
Carmen Reyes
Final thought on UCC 9609 - consider whether the debtor might file bankruptcy before you complete the repossession. If they file Chapter 11, the automatic stay could complicate your rights even with a perfected security interest. Might want to move quickly once your notice period expires.
Carmen Reyes
•Not really, but if they're 90+ days behind and facing repossession, bankruptcy might be their next move. Just something to keep in mind for timing.
Nia Harris
•Even in bankruptcy, secured creditors usually have better protection than unsecured, but the automatic stay definitely complicates enforcement timing.
Join the conversation
One thing that helped me understand UCC documents definition was thinking of them like a filing cabinet. UCC-1 opens the file folder for that debtor, UCC-3 amendments add pages to the folder, continuations extend the folder's expiration date, and terminations close the folder permanently. Each document serves a specific purpose in maintaining that secured party's claim on the collateral.
Norah Quay
•I love that file folder analogy! That makes the whole system make sense.
Glad it helps! I'm a visual learner so thinking in analogies always works better for me than trying to memorize legal definitions.
Quick reality check - you're going to make mistakes at first and that's normal. I accidentally filed a termination instead of an amendment once and had to frantically correct it. The key is having good review processes and tools to catch errors before they become problems. Document everything and when in doubt, ask senior staff or use verification tools to double-check your work.
Everyone messes up initially. The important thing is learning from mistakes and building good habits. You'll be fine!
Levi Parker
•This is why I love using Certana.ai's verification - catches my mistakes before they hit the state filing system. Much less stressful than discovering errors after the fact.
Amaya Watson
I've been doing UCC filings for 15 years and the name matching requirements have gotten so much stricter. Used to be you could get away with minor variations but not anymore. The electronic systems are unforgiving.
0 coins
Amaya Watson
•Exactly. The old paper system had human review that could catch obvious errors. Now it's all automated matching.
0 coins
Giovanni Martello
•I actually prefer the strict matching. Eliminates ambiguity in lien searches.
0 coins
Savannah Weiner
Check if your state has any guidance on entity name variations. Some states publish lists of acceptable abbreviations (LLC vs L.L.C. vs Limited Liability Company) but punctuation differences usually aren't covered.
0 coins
Daniel Rivera
•I'll look into that. Haven't seen any guidance specifically about comma usage in entity names.
0 coins
Levi Parker
•The UCC guidance usually says to use the exact name from the formation documents, punctuation and all.
0 coins