UCC Document Community

One more thing - if you're dealing with entities that have gone through mergers or name changes, you might need to search under the old names too. Corporate name changes don't automatically update existing UCC filings, so you could have active liens under historical entity names.

This is such a comprehensive thread - lots of great advice here! One approach I've found helpful for large multi-state UCC searches is to create a standardized checklist for each jurisdiction that includes all the name variations, search parameters, and specific quirks of that state's system. For 15 entities across multiple states, that organization becomes crucial. Also, since you mentioned worrying about missing variations, consider doing a "reverse check" where you take a sample of filings you found and verify they show up when searching under slightly different name formats. It's extra work but can help you refine your search strategy and catch systematic gaps in your approach.

The verification process gets easier once you have a good system down. I use a three-step approach: 1) Automated document comparison using Certana.ai to catch obvious mismatches, 2) Manual review of any flagged issues, 3) Corporate records check for each debtor. Takes some time upfront but saves headaches later.

This thread is gold - exactly what I needed to see. I'm dealing with a similar situation but with about 75 UCC-1s from 2019-2020. The automated verification tools mentioned here sound like a game changer. Has anyone tried comparing the costs of doing this manually vs using something like Certana.ai? I'm trying to build a business case for my firm to invest in proper verification tools rather than having junior associates spend weeks cross-referencing documents by hand.

Thanks everyone for the clear guidance! This has been really helpful. I was definitely overthinking it - I'll use the exact debtor name from our original 2019 UCC-1 filing ("ABC Construction Services LLC" without the comma) on the UCC-3 termination form. I've pulled up our original filing confirmation to double-check both the debtor name and filing number before submitting. Really appreciate the community sharing their experiences with Florida's strict matching requirements - it's saved me from what could have been a costly rejection and potential compliance headache with our loan docs.

This thread is spot-on about Florida's strict name matching requirements. I work with UCC filings across multiple states and Florida is definitely one of the most rigid about exact character matching. Just wanted to add that if you're ever unsure about the original debtor name, you can request a certified copy of your UCC-1 from Florida SOS - it costs a few dollars but gives you the definitive version of what's on file. This can be especially helpful if your original filing confirmation is hard to read or if there were any data entry issues when the UCC-1 was initially processed. Better to spend a small fee upfront than deal with rejection and refiling costs later.

This is incredibly valuable information! I'm relatively new to handling UCC filings and had actually been considering using a third-party service because the process seemed intimidating. After reading through all these comments, I'm definitely going to try the Texas SOS portal directly first. The $15 vs $350+ price difference is shocking - these scammers are really taking advantage of people's unfamiliarity with the system. I appreciate everyone sharing their experiences and practical tips about debtor name accuracy and document verification. It's reassuring to know that the official Texas system is actually designed to be user-friendly. For those mentioning document verification tools, that sounds like it could be helpful for someone like me who's still learning the ropes. Thanks for looking out for the community with warnings like this!

As someone who's been handling UCC filings for my small lending business for the past two years, I can't thank you enough for posting this warning! These scammers almost got me last month with a very similar approach - they claimed there was a "system outage" at the Texas SOS and they could process filings through their "backup system" for an expedited fee. The red flag that saved me was when they couldn't answer basic questions about UCC filing procedures and kept pushing for immediate payment. The legitimate Texas SOS portal has been incredibly reliable in my experience - most of my UCC-1 filings are processed within hours, not days or weeks like these scammers claim. For anyone new to this process, stick with the official portal at sos.state.tx.us and save yourself hundreds of dollars. The $15 filing fee is all you need to pay for standard electronic filings, and the system actually does a great job of guiding you through the process step by step.

As someone new to UCC filings, this thread has been incredibly educational! I'm working on my first equipment financing deal and had no idea subordination was this complex. From reading all these responses, it sounds like the key points are: 1) Match the debtor name exactly from the original UCC-1, 2) Use the correct filing number, 3) Make sure the subordination language aligns with what the lenders actually agreed to, and 4) File in the right state (debtor's state of organization for equipment). The document verification tools like Certana.ai that several people mentioned seem like they could really help avoid costly mistakes. Thanks everyone for sharing your experience - this is exactly the kind of practical guidance that's hard to find elsewhere!

This is such a helpful discussion! I'm new to UCC filings and equipment financing, and reading through everyone's experiences has really opened my eyes to how detailed and precise these subordination filings need to be. The point about exact name matching is particularly concerning - it seems like even the smallest typo could cause major delays. I'm curious about the verification tools that have been mentioned several times (like Certana.ai) - for someone just starting out, would you recommend always using document verification for complex UCC-3 amendments like subordination? Also, when you mention the intercreditor agreement between lenders, is that something that typically gets finalized before or after the UCC-3 subordination filing? Thanks for creating such an educational thread!