UCC Document Community

UPDATE: Just wanted to follow up since this thread helped me figure out what to ask. Called my lender this morning and you were all right - it was a miscommunication. They needed a standard UCC debtor search in New Jersey, not some mysterious 'UCC 11' form. Apparently their loan processor was new and mixed up their internal checklist numbers with UCC form numbers. Got the search done through the NJ portal in about 10 minutes. Thanks everyone for the reality check!

Great update Carmen! This is such a perfect example of why we shouldn't assume we're the ones who don't understand something when lenders use confusing terminology. I've seen this happen so many times - loan processors mixing up internal reference numbers with actual UCC form designations. It's frustrating but at least now you know for future reference. The New Jersey UCC portal really is straightforward once you know what you're actually looking for. Hope your closing goes smoothly!

I've been seeing this type of address mismatch issue more frequently with Indiana UCC searches lately. The state's database seems to have some syncing issues between different record types. What I've found helpful is to run a quick business entity search on the debtor separately to see what address shows up there - if it matches what you're seeing in the UCC search, then you know the search is just pulling from their business registration rather than your actual UCC filing. Also, for peace of mind with your lender, you might want to consider getting a UCC search report from a third-party service like CT Corporation or Wolters Kluwer - they sometimes provide cleaner, more detailed results that clearly separate filing information from business registration data.

I ran into this exact same issue with an Indiana UCC filing about 6 months ago! The search kept showing our debtor's old address from their original LLC formation, but when I pulled the actual UCC-1 document, it clearly showed the current address we had filed with. What I learned is that Indiana's search algorithm sometimes defaults to pulling address information from the Secretary of State's business entity database rather than from the specific UCC filing record. The key thing is that your security interest is still valid as long as you filed the UCC-1 with the correct debtor name and current address - which it sounds like you did. I'd recommend pulling both a certified copy of your UCC-1 and running a separate business entity search on your debtor to show your lender exactly what's happening. This documentation should be enough to satisfy them that there's no issue with your filing.

The bottom line is you need to be 100% certain about the debtor name before filing that continuation. CT doesn't give you much wiggle room on name matching. Get the current charter, compare it to your existing UCC-1, and if there's any doubt, consult with someone who specializes in UCC filings.

I've handled similar Connecticut UCC name verification issues before. One thing I'd add to the great advice already given - when you pull that UCC search by filing number, also check if there were any amendments filed after your original UCC-1. Sometimes intermediate amendments can change how the debtor name appears in the system, which could affect what you need to match for your continuation. Also, CT allows you to call their UCC division directly if you have questions about specific filings - they're usually pretty helpful about clarifying name matching requirements for your particular situation. Given the loan size you mentioned, it might be worth that phone call for peace of mind.

sounds like everyone's pretty confident about the addendum approach. I'd probably run it through one of those document checkers just to be extra sure everything lines up before filing, especially with your tight deadline.

Thanks everyone for the detailed advice! This is really helpful. Based on what you've all shared, I'm going to go with the addendum approach using formal reference language like "See Schedule A attached hereto and incorporated herein" in the collateral description box. I'll make sure to include specific addresses for each location's equipment as Giovanni suggested, and I think I'll run it through one of those document verification tools before submitting to catch any formatting inconsistencies. Really appreciate the quick responses - this community is incredibly helpful for navigating these filing requirements!

Summary for anyone else reading this: Illinois UCC-1 electronic filing is $25, UCC-3 amendments/continuations are $25, UCC searches are $15 per name. Paper filings cost more. Make sure debtor names match exactly or you'll pay twice. Portal registration takes time so set it up early.

Thanks everyone for the comprehensive breakdown! As someone new to Illinois UCC filings, this thread has been incredibly helpful. One follow-up question - does the Illinois portal have any bulk filing options if you're submitting multiple UCC-1s at once, or do you have to process each one individually? With several filings to do, I'm wondering if there's a way to streamline the process beyond just having all the documents ready to go.