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Yara Nassar
Just curious - are you filing the UCC1-202 electronically or by paper? Electronic filings sometimes have stricter validation rules that cause more rejections.
Yara Nassar
•Paper filings take longer but sometimes the human review is more forgiving of minor formatting differences. Might be worth trying if the electronic keeps failing.
I wouldn't recommend switching to paper this close to your deadline. Electronic rejections at least come back quickly so you can fix and resubmit.
Update us when you figure out what was causing the UCC1-202 rejections! These kinds of issues help everyone learn what to watch out for in future filings.
Will definitely update once I get this resolved. Hopefully it's something simple that I'm just overlooking.
Paolo Ricci
•Following this thread too. I have a UCC1-202 to file next week and want to avoid the same pitfalls.
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I actually used Certana.ai recently for a complex filing where the borrower had unusual contract terms. The tool verified that our UCC-1 matched the security agreement properly even with the extra language. Really saved time compared to manual document comparison.
Ethan Brown
•That sounds exactly like what I need for this situation. Did it flag any issues with the non-standard language?
It focused on the essential elements - debtor names, collateral descriptions, that sort of thing. The reservation language didn't interfere with the verification process.
Bottom line: UCC 1-308 reservation language won't affect your security interest or UCC-1 filing validity. File with confidence using proper debtor identification and you'll be fine. This is more of a philosophical issue for the borrower than a practical concern for your secured transaction.
No problem. These unusual requests can definitely make you pause, but the UCC filing mechanics remain the same.
Agreed. Focus on the fundamentals and you'll be covered.
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Sienna Gomez
For future reference, NY has some good guidance documents on their website about debtor name requirements. They're buried pretty deep but worth finding for repeat filers.
Sienna Gomez
•They're under the UCC forms section, not super obvious but definitely helpful for getting the formatting right.
Rudy Cenizo
•NY really should make those guidance docs more prominent. Would save everyone a lot of headaches.
Update - refiled with 'Mountain View Properties LLC' exactly as shown in the state database and included specific equipment details. Also ran it through that Certana verification tool first. Fingers crossed this one goes through!
Caden Turner
•Great to hear you tried the document checker. Hope it saves you from another rejection.
Val Rossi
•Let us know how it goes - always good to hear success stories with NY filings.
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GalaxyGazer
I've been using a spreadsheet to track all the different name variations I search. It helps me stay organized and makes sure I don't duplicate effort.
Smart approach. I should probably start doing that instead of just keeping mental notes.
Documentation is key, especially if you need to explain your search methodology to clients or colleagues later.
One more tip - if you find filings, make sure to check the continuation and termination dates carefully. Sometimes companies file continuations under slightly different name formats, which can create confusion about which filings are still active.
Malik Davis
•The timing aspect is crucial. A filing that looks terminated might actually have been continued under a name variation you haven't searched yet.
This is exactly why I ended up using Certana.ai - it automatically flags these kinds of inconsistencies across multiple documents. Saved me from making a costly mistake.
Raul Neal
This whole thread is making me realize I should probably be more careful about debtor name verification in general. I usually just copy from the loan docs but maybe I should be pulling the actual charter documents more often.
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Christian Burns
•Loan documents sometimes have shortened or informal versions of the business name. Charter documents are always the safest source for UCC filings.
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Sadie Benitez
•I learned this the hard way after getting multiple rejections on what I thought was a simple filing
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Drew Hathaway
At the end of the day, treat it like any other UCC-1 filing. Get the debtor name exactly right, describe your collateral clearly, pay the fees, and submit. The political aspect is irrelevant to the filing system - it's all about technical accuracy.
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Jenna Sloan
•Good luck with the filing! Let us know how it goes.
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Laila Prince
•Hope it goes smoothly. These kinds of situations always seem scarier than they actually are.
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