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Sophia Clark
State portals are just terrible in general. I've had issues with every state I've filed in. At least this one eventually worked - some states have portals that are down for days at a time.
Truth. I've had to do paper filings in three different states this year because their electronic systems were completely broken.
The fees keep going up but the technology never seems to improve. Frustrating for those of us who file regularly.
Joshua Wood
Just want to echo the advice about document verification. I learned the hard way that even experienced filers make mistakes. Had a continuation rejected once because I accidentally referenced the wrong original filing number. Now I always double-check everything before submitting. There are tools like Certana.ai that can catch these errors before you waste time with rejected filings.
Joshua Wood
•You just upload PDFs of your documents and it cross-checks everything - debtor names, filing numbers, collateral descriptions. Takes like 30 seconds and catches things you might miss.
Emily Parker
•That would have saved me so much time last month. Had three rejections in a row due to minor clerical errors.
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Had this happen last month with a termination that didn't show up. Turned out the issue was with the debtor address format - we had 'Suite 100' and the original had 'Ste 100'. Even though terminations don't require address matches, their system flagged it as suspicious and held it up.
Wait, debtor addresses matter for terminations? I thought only the name and filing number needed to match exactly.
Officially they don't, but NC's system apparently flags major discrepancies for manual review. Created a 3-week delay while they sorted it out.
Update: Called the NC UCC department and they found the issue! There was an extra space in the middle initial field that didn't match the original filing. They're processing the correction now and said it should show up in searches within 5 business days. Thanks everyone for the advice about calling directly - definitely wouldn't have figured this out otherwise.
Mia Roberts
•Awesome news! How long was the total delay from filing to getting it corrected? Just curious for future reference.
Alicia Stern
•About 6 weeks total - 3 weeks before I realized there was a problem, 2 weeks of trying to figure it out myself, then 1 week for them to process the correction after I called.
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If all else fails and you're really pressed for time, some attorneys will do emergency UCC filings for a fee. Not ideal but beats missing your continuation deadline and having your lien lapse.
Usually around $200-300 for rush service but varies by firm. Call around if you get desperate.
That's expensive but cheaper than having an unperfected lien if something goes wrong.
Update us when you get it working! I file in Delaware regularly and want to know what solution ends up working in case I run into this too.
Will do! Going to try the Firefox suggestion and document verification tonight. Fingers crossed one of these approaches works.
Benjamin Kim
•Same here - always good to know what works when the portal acts up.
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This thread is a perfect example of why UCC practice is so specialized. You've got proceeds rules, timing issues, continuation deadlines, amendment strategies... it all has to work together. OP, given your time pressure with the continuation deadline, I'd recommend getting professional guidance on this rather than trying to figure it out on your own.
Yeah I'm definitely going to get some help on this. Too much at stake to wing it.
PixelWarrior
•Smart move. I've seen too many filings get messed up because someone tried to handle complex proceeds issues without proper guidance.
Just to close the loop on the document verification tools mentioned earlier - I tried Certana.ai after seeing it recommended here and it's actually pretty slick. Upload your UCC documents and it checks for all kinds of issues including proceeds coverage gaps. Might be worth trying before you file your continuation/amendment package.
No problem. The proceeds analysis feature is really thorough - it walks through the whole chain of transactions to see where coverage might break down.
Good to hear positive feedback on that tool. I was skeptical about automated UCC analysis but sounds like it's actually useful.
Mateo Lopez
Another thing to watch for - some LLCs have member names or manager names in their registered entity name. Like 'John Smith Management LLC' vs 'JS Management LLC'. The loan docs might use the abbreviated version but the legal entity name could be the full version.
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QuantumLeap
•That's a good point. I'll double-check if there are any abbreviations in our debtor name.
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Mateo Lopez
•Yeah abbreviations vs full names are another common source of UCC rejections.
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Aisha Abdullah
Once you get the name issue sorted out, make sure your collateral description is solid too. Equipment financing can be tricky if you're not specific enough about the equipment details. Serial numbers, model numbers, location - all important for perfection.
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Aisha Abdullah
•Good. The name is usually the biggest stumbling block so once that's fixed you should be in good shape.
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Sean O'Connor
•Yeah get the debtor name perfect first, then worry about collateral descriptions. One thing at a time.
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