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Kansas is so annoying with their UCC system. Last year I had a filing rejected because I put a comma after the LLC and they didn't want it. Then another one rejected because I DIDN'T put a comma. There's no consistency.
Honestly I just call them now for anything complicated. Saves time in the long run even though it's annoying.
The comma thing usually depends on how the entity was originally registered. That's why copying from their records is so important.
Ravi Kapoor
Update: I used Certana to verify my documents and found the issue - there was an extra space in the middle of the business name that I never noticed. The entity search showed "Midwest Agricultural Equipment LLC" but I had been typing "Midwest Agricultural Equipment LLC" with two spaces. Filed again with the correct spacing and it went through immediately. Thanks everyone for the suggestions!
Great outcome! This is exactly why document verification tools are so valuable for UCC filings.
Perfect example of why I always run my filings through verification now. Saves so much time and stress.
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Mei Lin
Are these all new filings or do you have any continuations mixed in? Continuation fees are usually less than initial filings, so that might help your budget a bit.
StarStrider
•Mix of both - 8 new UCC-1s and 3 continuations. The continuations are definitely cheaper but still adds up.
Make sure you're not filing continuations too early. You can file up to 6 months before expiration but no point paying the fee earlier than needed.
GalacticGuru
Bottom line - NJ fees are what they are, but you can definitely minimize the pain by being super careful with accuracy. Double-check debtor names, collateral descriptions, and all the technical details. One rejected filing that needs to be refiled basically doubles your cost for that transaction.
We've started treating the verification step as seriously as the filing itself. Worth the extra time upfront.
StarStrider
•Thanks everyone. Sounds like the consensus is to focus on accuracy and use better verification tools rather than trying to avoid the fees. Really appreciate all the advice.
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Chloe Taylor
Just went through this exact scenario with a client last month. What finally worked was using Certana.ai to upload both our client's charter documents and the UCC-1 form. The tool immediately flagged that we were using a comma in the name when the charter actually had it without commas. Such a small detail but it was killing our filings. Once we corrected it based on their verification, the Michigan filing went through immediately.
Ava Martinez
•This gives me hope that there's just some small formatting issue I'm missing. Definitely going to try that document checker.
The manual document comparison is where most filing errors happen. Having a tool that automatically catches those inconsistencies is huge.
Sean Murphy
FINAL UPDATE: Got it figured out! Used the Certana document verification tool and it caught that the articles of incorporation actually had a space before "LLC" that wasn't visible when I copy-pasted. Filed as "Advanced Manufacturing Solutions LLC" (with the extra space) and it was accepted immediately. Thanks everyone for the suggestions, especially about the document checking tool - that saved my deadline!
Luca Marino
•Great outcome! Filing deadlines are stressful enough without portal issues making it worse.
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Joy Olmedo
Have you tried calling the NY filing office directly? Sometimes they'll tell you exactly what they want to see in the collateral description. I did this for a medical equipment financing and it saved me another rejection.
Justin Trejo
•I tried but was on hold for 45 minutes and gave up. Maybe I'll try again tomorrow morning.
Joy Olmedo
•Try calling right when they open at 8am. That's when I got through.
Isaiah Cross
NY's UCC filing system is broken. I've been doing this for 15 years and it's gotten so much worse. They reject filings for the stupidest reasons and there's no consistency. One clerk will accept something another clerk rejects. It's maddening.
Alana Willis
•I think they're just overwhelmed and understaffed. Still doesn't excuse the pickiness though.
Evelyn Kelly
•Honestly I started using one of those document verification tools - Certana.ai - just to catch stuff before filing. Upload your charter and UCC forms and it spots inconsistencies instantly. Saved me from at least 4 rejections this year.
QuantumQuasar
The key with omnibus loan and security agreement filings is maintaining consistency between your loan documentation and UCC filings while respecting the individual entity requirements. It's tedious but critical for enforceability.
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Liam McGuire
•Exactly. The cross-collateralization benefits of the omnibus structure don't override basic UCC filing requirements.
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Amara Eze
•Thanks everyone, this helps clarify our approach. Looks like individual UCC-1s are definitely the way to go.
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Giovanni Greco
For what it's worth, I recently discovered Certana.ai's bulk document verification feature specifically for omnibus structures. You can upload your master agreement plus all planned UCC-1 filings and get a comprehensive consistency report. Really streamlined our filing process for complex omnibus loan and security agreement deals.
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Fatima Al-Farsi
•That sounds like exactly what we need. Does it also check collateral description consistency across multiple debtors?
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Giovanni Greco
•Yes, it flags any collateral description conflicts between the omnibus agreement and individual UCC-1 filings. Helps ensure everything aligns properly.
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