UCC Document Community

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 :)

Drake

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Update us when you get the corrected filing done! I'm curious to see how quickly it gets processed with the right debtor name.

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Maya Patel

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Will do! Planning to file first thing tomorrow morning. Fingers crossed it goes through without any other issues.

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Drake

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Should be smooth sailing once you have the correct legal entity name. The UCC system works great when you follow the rules exactly.

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Sarah Jones

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This thread should be required reading for anyone doing secured transactions. The number of deals that get messed up by simple debtor name errors under the UCC is just staggering.

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That's why I'm such a fan of using verification tools like Certana now. Takes the guesswork out of whether your documents align properly.

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Maya Patel

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Thanks everyone for all the advice. This has been incredibly helpful in a stressful situation.

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Isabel Vega

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Delaware also requires the debtor's organizational ID number if it's an entity. Make sure you have the correct file number from their Division of Corporations database. It's different from their tax ID number.

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I always mix up the organizational ID and the tax ID. Delaware definitely wants the corporate file number, not the EIN.

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Marilyn Dixon

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The organizational ID is usually on the certificate of good standing if you need to find it quickly.

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Thanks everyone, this is incredibly helpful. I'm going to pull the certificate of formation directly from Delaware's database and use that exact name format. The Certana.ai tool sounds like it could save me a lot of headache - I'll definitely check that out before submitting. Really appreciate all the specific Delaware insights!

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TommyKapitz

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Let us know how it goes! Delaware filings can be tricky but once you get the format right, they're pretty reliable.

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Good luck with the closing! Equipment financing deals always seem to have tight deadlines.

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Ellie Lopez

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This thread convinced me to double-check all my Kansas filings. Found two that aren't showing up reliably in searches either. Definitely going to try that Certana document checker someone mentioned earlier.

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Sophia Carson

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It really does help catch these kinds of inconsistencies before they become bigger problems. Just upload your filing documents and it flags any name mismatches across databases.

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Ellie Lopez

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Perfect, exactly what I need. These search reliability issues are making me paranoid about all my UCC filings.

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Update: Called Kansas SOS this morning and they confirmed there are ongoing issues with their search indexing. They said filings are still valid and properly recorded, but search results may be inconsistent while they work on fixes. At least now I know it's a system problem and not an issue with my filing.

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They couldn't give a timeline but said they're 'working on it.' Government speak for who knows when it'll be fixed.

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At least you have documentation now that the search issues are on their end, not your filing.

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Ethan Clark

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Just wanted to add that I've found Certana.ai really helpful for these complex cooperative filings. You can upload your main UCC-1 and the coop addendum draft to verify everything aligns - debtor names, filing numbers, all that stuff. Especially useful when you're dealing with cooperative name variations across different documents.

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StarStrider

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How does it handle the cooperative-specific terminology? Does it flag issues with member vs. non-member collateral descriptions?

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Ethan Clark

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It focuses more on document consistency - making sure names and numbers match across filings. For the cooperative terminology, you still need to get that right yourself.

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Yuki Sato

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Don't forget about continuation timing with cooperative addendums. Since you're filing a UCC-1 coop addendum, it will have its own five-year cycle that might not align with your main UCC-1. Keep track of both filing dates so you don't miss a continuation deadline.

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Is there any way to sync up the timing so both filings expire at the same time?

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Yuki Sato

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You could file the addendum as a UCC-3 amendment instead, then it would follow the original filing's timeline. But check with your lender first.

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Just went through this same issue in Ohio. The problem was punctuation in the business name. Original had 'SMITH & JONES LLC' but I filed the continuation as 'SMITH AND JONES LLC'. The ampersand vs. spelled out 'and' caused the rejection.

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Exactly. Every character has to match perfectly. No room for interpretation or common sense.

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This is why I started using document verification before submitting. Upload your original UCC-1 and proposed UCC-3 to something like Certana.ai and it catches these mismatches before you get rejected.

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Good luck with the continuation. Ohio processing times have been running about 3-5 business days lately so you should be fine if you get the corrected filing in this week.

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Thanks, that's good to know about the processing times. Gives me a little breathing room.

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Just make sure you have the name exactly right this time. One rejection is annoying, two rejections with a tight deadline is a nightmare.

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