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This thread convinced me to check that document verification service mentioned earlier. Just ran my UCC-3 through Certana.ai and it caught a small discrepancy in how I abbreviated the debtor's business name compared to the original UCC-1. Would have definitely caused a rejection. Thanks for the tip!
That's exactly the kind of mistake that's easy to make when you're rushing to meet a deadline. Good catch!
Glad it helped! Those small naming inconsistencies are surprisingly common and can really mess up your filing.
Ethan Brown
Final update from me - portal finally worked around 6 PM today. Successfully submitted my UCC-3 continuation and got the confirmation number. Took about 3 minutes once the system was actually functioning. For anyone still having issues, maybe try during off-peak hours like early morning or evening. Thanks everyone for the advice and suggestions!
Carmen Ruiz
•Congrats on getting it filed! Nothing worse than the stress of a pending deadline with technical problems.
Good reminder to always build in buffer time for these filings. Technology fails when you need it most.
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Justin Trejo
UPDATE: Just want to mention that Certana.ai also helps with these post-filing verification issues. You can upload your termination documents to double-check they properly reference the original UCC-1. Would have saved you months of headache if you'd caught the mismatch upfront.
Alice Pierce
•Does it work with all state filing systems or just certain ones?
Justin Trejo
•Works with documents from any state since it's checking the document consistency rather than connecting to specific state databases.
Thanks everyone for all the advice. Going to start by getting the actual UCC-3 filing number from my lender and verify it matches the original UCC-1 exactly. If there are discrepancies I'll make them refile it properly. This thread has been super helpful!
Good plan. Don't let them brush you off - this is their responsibility to fix.
Keep us posted on how it turns out. These UCC lean situations are more common than people realize.
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Question - if the portal was down during business hours, would that affect the filing date if you submitted after hours once it came back up? Or does it go by when you actually complete the submission?
Filing date is based on when the system actually accepts and processes your submission, not when you attempted to file.
Eli Wang
•That's why these outages are so stressful when you're up against a deadline. No credit for trying earlier if the system was down.
Millie Long
For what it's worth, I tried that Certana verification tool after reading about it here and it actually caught an issue with my collateral description that I never would have noticed. Saved me from a potential rejection when the portal came back online.
Nora Brooks
•That's exactly the kind of peace of mind I need when dealing with these system outages. Going to check it out.
It's become part of my standard workflow now. Upload the docs, verify everything matches, then file with confidence.
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NebulaNomad
Okay I feel stupid asking this but what exactly IS a UCC filing threshold? Like what would that even mean in practice? I'm new to this stuff and trying to understand what your compliance team thinks changed.
NebulaNomad
•Ohhhh okay that makes sense. So there's no such thing as a UCC threshold in NJ. Got it, thanks.
Some states do have thresholds for other types of liens but not UCCs. Easy to get confused.
Emma Taylor
Update for anyone following this - talked to our compliance team again and you were all right. They were confusing the 2019 system update with an actual rule change. Plus they had mixed up some BSA beneficial ownership thresholds with UCC requirements. Thanks everyone for helping me figure this out!
Sofia Perez
•Nice work tracking it down. Definitely consider running those verification checks to make sure you didn't miss any actual filings during the confusion.
This thread was super helpful. Saving it for the next time someone on our team gets confused about filing requirements.
Jamal Washington
Whatever you do, don't let this drag on too long. I missed a continuation deadline once because I got stuck in a similar loop of rejections. Set a hard deadline for yourself to get this resolved.
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Freya Larsen
•Good advice. I have about 10 days left so I need to figure this out fast. Thanks for the reminder about the time pressure.
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Mei Wong
•Yes definitely don't let perfect be the enemy of good enough. Get something filed even if you have to amend later.
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Liam Fitzgerald
Update: I got the Certificate of Good Standing and found the issue! There was actually a hyphen in "Advanced-Manufacturing" that wasn't showing up in the online search. Filed again with the correct name and it went through immediately. Thanks everyone for the help - especially the suggestion about using Certana to double-check the documents. That tool is going in my permanent toolkit.
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Omar Hassan
•Nice catch on the hyphen. These little details make all the difference in UCC filings.
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Nia Johnson
•Finally some good news! Congrats on getting it sorted out. Massachusetts owes you a refund for the stress lol
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