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Kai Santiago
I work in commercial lending and see this UCC9 confusion constantly. It usually comes from attorneys who practiced in the 80s and 90s when some states had different numbering systems. The current uniform system has been in place for decades now, but old habits die hard. Always use UCC-3 for terminations.
That explains where my attorney got the UCC9 reference from. Thank you for the historical context.
Lim Wong
•Yeah I've noticed older attorneys sometimes use outdated form references. It's always best to double-check with current filing requirements.
Dananyl Lear
Quick tip for anyone filing UCC-3 terminations - make sure you have the original secured party's authorization. If the original lender sold the loan or there's been an assignment, you might need additional documentation. Also, some states require notarization for terminations.
Demi Lagos
•Definitely verify the current secured party information. That's a common source of termination rejections.
And check your state's specific requirements. Some want original signatures, others accept electronic filings.
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Pro tip: always do a UCC search on the debtor before filing any amendment or continuation. Print or screenshot the search results showing exactly how the name appears in their system, then match it character for character.
Yara Nassar
•This should be filing 101 but so many people skip this step and wonder why they get rejected.
That's definitely my next step. Should have done this before the first filing attempt.
At least UCC-3 amendments are usually processed faster than initial filings once they're accepted. Hope you get it sorted out quickly.
Thanks, fingers crossed the third time's the charm once I fix the name issue.
Paolo Ricci
•Good luck! These name matching issues are such a pain but at least the fix is straightforward once you know what's wrong.
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Update on the Certana tool I mentioned earlier - used it on 5 more debt adjuster filings this week and caught 2 name mismatches that would have been rejections. Really streamlined my workflow for these complex business name situations.
Yara Khoury
•Does it help with the collateral descriptions too or just names?
It checks document consistency across all fields - names, addresses, collateral descriptions, everything.
Thanks everyone for the advice. Ran the entity searches and found 3 out of 5 of my rejected filings had slight name variations. Going to re-file with the correct registered names and hopefully avoid future rejections on business debt adjusters UCC filing.
Let us know how it goes. Always good to hear success stories with these tricky business name situations.
And consider using a verification tool for future filings - it really does save headaches.
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Luca Romano
Make sure you're also checking the collateral description while you're at it. Manufacturing equipment can be tricky to describe properly and you want to make sure it's specific enough to be enforceable but broad enough to cover everything.
Collateral descriptions are just as important as debtor names. Both need to be accurate for proper perfection.
Luca Romano
•Exactly. No point in getting the name perfect if your collateral description is too vague to be useful.
Nia Jackson
Update us when you get it sorted out! Always curious to hear how these name verification situations get resolved. The punctuation issues seem to be getting more common as companies get more creative with their entity names.
Will do - planning to get definitive confirmation from Delaware SOS records and then proceed with filing. Thanks everyone for the guidance!
Ravi Gupta
•Smart approach. Better to take the extra time upfront than deal with problems later.
PixelWarrior
This is why I charge extra for CA UCC filings. The rejection rate is so high that I have to build in time for potential refiling. Other states are much more reasonable about minor name variations.
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Zara Ahmed
•That makes sense. CA seems uniquely difficult compared to other jurisdictions I've worked with.
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PixelWarrior
•CA and NY are the pickiest. Most other states have some tolerance for minor formatting differences.
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Amara Adebayo
Just refile with the exact name from the entity database and you'll be fine. Make sure to include that comma. CA's system is annoying but predictable once you understand the rules.
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Amara Adebayo
•Good plan. The refiling should go through without issues if the name matches exactly.
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Giovanni Rossi
•For future filings, those document verification tools mentioned earlier really do help catch these issues upfront.
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