UCC Document Community

This thread is exactly why I triple check all my debtor names before filing anything. Massachusetts doesn't mess around with UCC-3 rejections.

Welcome to the UCC filing headache club! I've been dealing with Massachusetts filings for about 3 years now and this exact scenario comes up more often than you'd think. The comma vs no comma issue is surprisingly common - seems like it happens when companies get more formal with their documentation over time. One tip I've learned: always keep a copy of your original UCC search results in your file so you can quickly reference the exact debtor name format when filing amendments or terminations. Also, if you're dealing with this regularly, some of the document checking tools mentioned here can really save time and prevent these rejections upfront. Good luck with the amendment route!

This discussion has been incredibly thorough and helpful! As someone new to UCC citation work, I want to make sure I understand the key takeaways correctly. So the standard format is "U.C.C. § [article]-[section]" with periods after each letter for model code citations, and when citing state-specific versions I should use the actual state statute citation like "Cal. Com. Code § 9315." For official comments, it's "U.C.C. § 9-315 cmt. 2." One thing I'm still unclear on - when should I include pinpoint citations to specific subsections versus citing the broader section? For example, if I'm discussing the general concept of proceeds under Article 9 but my specific argument relates to subsection (a)(2), should I cite "U.C.C. § 9-315" or "U.C.C. § 9-315(a)(2)"? I want to be as precise as possible while following proper bluebook format.

This has been an incredibly comprehensive discussion on UCC bluebook citations! I'm working on my first secured transactions case and had been struggling with exactly these formatting questions. The clarification about "U.C.C." with periods versus "UCC" without periods is crucial - I almost made that mistake in my draft brief. One additional resource I've found helpful is the bluebook's Table T1, which lists the specific citation formats for each state's commercial code. For example, it shows that Florida uses "Fla. Stat. § 679.315" rather than a separate commercial code citation. This is particularly useful when you're dealing with states that haven't adopted a separate commercial code structure. Also, for anyone citing UCC provisions in footnotes versus in-text, remember that the citation format remains the same but footnote citations can include additional explanatory parentheticals that might be too cumbersome in the main text, like noting when a provision was amended or differs from the model code.

Bottom line for your situation: Nevada is definitely the correct jurisdiction post-domestication under 9-307(h). File your new UCC-1 there ASAP to stay within the four-month window. Keep documentation of the domestication date for your files.

Just wanted to add a practical tip - when you file the new UCC-1 in Nevada, make sure to use the exact legal name as it appears on the Nevada certificate of domestication. I've seen cases where even minor variations in punctuation or abbreviations can cause search issues down the road. Also, consider sending a courtesy notice to any junior lienholders who might be relying on Delaware searches - it's not required but it's good practice and helps maintain relationships.

This is incredibly helpful - thank you everyone! I'm feeling much more confident about tackling this now. Just to make sure I have the sequence right: 1) Run UCC search to check existing liens, 2) Draft security agreement with proper grant language, collateral descriptions, after-acquired property clauses, and UCC filing authorization, 3) Get security agreement executed, 4) File UCC-1 with consistent debtor name and collateral description. And I'll definitely verify the client's exact legal name through the Secretary of State database. For a $150k loan, I want to get every detail right. Thanks again for all the practical advice!

Great thread! As someone new to UCC filings, I'm curious about one aspect that hasn't been covered much - insurance requirements in the security agreement. Should the security agreement require the debtor to maintain insurance on the collateral, and if so, does that affect anything on the UCC-1 side? With equipment and inventory worth $150k, I imagine the lender would want protection if something happens to the collateral. Also, does the lender need to be named as loss payee or additional insured?

Bottom line - 5 years from original filing date, 6-month window to file continuation, $25 fee, make sure names match exactly. Georgia doesn't have any weird quirks compared to other states, just the usual UCC-3 continuation process. Set reminders early and don't procrastinate!

One additional tip - if you're managing multiple UCC filings like Vincent mentioned, consider setting up a tracking system now rather than scrambling later. I use a simple spreadsheet with columns for filing number, original filing date, debtor name, continuation window start date, continuation due date, and status. Update it whenever you file a continuation with the new 5-year cycle. Makes it much easier to stay on top of everything and avoid any nasty surprises when your lender comes asking about compliance.