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I use Certana.ai for all my UCC document checks now after getting burned by rejections too many times. Upload your docs and it catches mismatches instantly. Way better than the manual comparison nightmare.
It's really straightforward - just upload PDFs and it highlights any differences between documents. Saves so much time and frustration.
Dylan Baskin
•Wish I'd known about this earlier. Would have saved me from several rejected filings over the years.
Lauren Wood
Update us when you get it resolved! Always curious to hear what the actual issue was in these name mismatch situations.
Ryan Vasquez
•Will do. Planning to use the document checker tool and then resubmit with manual entry of the debtor name. Hopefully that does the trick.
Ellie Lopez
•Following this too. These rejection issues are so common but the solutions aren't always obvious.
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Make sure you're not accidentally describing the personal property as fixtures. Manufacturing equipment that's bolted down can sometimes be considered fixtures instead of personal property, which would require a different type of UCC filing. Might be worth clarifying with your attorney whether this is truly personal property or if you need a fixture filing.
How do you determine if equipment counts as fixtures vs personal property? Is there a test for that?
Generally depends on how permanently attached it is to the real estate and intent. Equipment that can be removed without damage is usually personal property.
Cedric Chung
Update: Finally got it accepted! Turns out the issue was both the debtor name (missing 'Inc.' at the end) and the collateral description needed to be more specific. Used 'manufacturing and production equipment, machinery, tools, and related personal property located at [facility address].' Adding the location seemed to help too. Thanks everyone for the advice - this thread probably saved my deal!
The location detail is a good tip. I'll remember that for future personal property UCC liens.
PaulineW
•Congrats! UCC filing victories always feel so good after all that stress.
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Paolo Rizzo
I've been doing UCC work for 15 years and this search reliability problem is relatively new. Used to be you could trust that filed documents would show up consistently in searches. Now you need to verify everything multiple times. Really concerning for lien perfection purposes.
Paolo Rizzo
•Technically the filing creates the perfection, not the search results. But from a practical standpoint, inconsistent searches create huge problems for due diligence.
Amara Nwosu
•This is why I always keep detailed records of every search I run, including screenshots and timestamps.
Amina Sy
Update: I contacted the SOS office and they confirmed there are known issues with search synchronization. They're working on a fix but no timeline yet. In the meantime, they suggested running searches at different times and keeping detailed records of any inconsistencies.
Amina Sy
•They said if you need definitive search results for closing or legal purposes, you can request a certified search for a fee.
Of course there's a fee involved. They break their own system and then charge us to get accurate results.
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Alana Willis
Been doing NY UCC filings for 15 years and they've definitely gotten pickier about form versions lately. Electronic system is much more forgiving than paper.
Alana Willis
•You'll find it much smoother. Paper forms are becoming obsolete anyway.
Zane Gray
•Agreed. Most states are pushing electronic filing as the preferred method now.
Asher Levin
Just curious - what's the timeline on NY electronic filings these days? Used to be same day but heard they've been slower.
Alana Willis
•Still pretty fast. Usually processed within a few hours during business days.
My last one was accepted in about 2 hours. Much faster than the old paper system.
Sean O'Donnell
Will do. Filing the new UCC-1 now and calling the lender first thing tomorrow morning.
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Dylan Mitchell
Good luck. Most lenders understand these things happen if you're honest about it.
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