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Amara Nwosu
This happened to me with a 1-405 filing last year. Turned out the LLC had been administratively dissolved and reinstated, and the reinstatement created a slightly different name format in the system. Even though it looked identical, there was a difference in spacing or punctuation. Had to get the corrected name directly from the business services division.
Amara Nwosu
•Usually shows up in the entity history if you can access the full record. Sometimes you have to request it specifically.
Aisha Rahman
•That's a really obscure issue but makes sense why it would cause problems.
UPDATE: Used the Certana document checker and found the problem! There was an invisible character between 'Advanced' and 'Manufacturing' that got copied from the SOS website. The tool showed me exactly where it was and I was able to clean up the name. Refiled today and it went through without any issues. Thanks everyone for the suggestions!
QuantumQueen
•Awesome! Those invisible characters are such a pain. Glad the tool caught it for you.
Zara Khan
•Great to hear it worked out! That's exactly the kind of hidden formatting issue that drives everyone crazy.
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For what it's worth, I just tried the Colorado portal and it seems to be working fine now. Might have been a temporary server issue. Try again and see if it's resolved.
Just tried again and you're right - it's working now! Finally got my search results. Thanks everyone for the suggestions, definitely saving some of these backup methods for next time.
QuantumQuest
•Glad it worked out! These portal issues always seem to resolve themselves right after you find a workaround.
This thread is a perfect example of why we need better infrastructure for UCC searches. The fact that we're all sharing workarounds for a basic government service is ridiculous. At least we help each other out though.
Liam McGuire
•The private sector solutions like Certana exist exactly because the government portals are so unreliable. Market demand creates alternatives.
Amara Eze
•True but we shouldn't have to pay extra for basic public records access that works properly.
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Just went through this same situation with a Texas UCC filing last week. Had to refile three times before getting the individual debtor name right. Finally used "First Last" without middle name and it was accepted. The key is figuring out what their system expects, not what seems logical.
Lara Woods
•Three rejections? That's brutal. The filing fees alone must have been expensive, not to mention the time delays.
Yeah it was frustrating and costly. Now I always verify document formatting before filing. Actually started using Certana.ai's verification tool - would have saved me those rejections if I had it then.
Update: Refiled the UCC-1 using "John Smith" format (first and last name only) and it was accepted this morning! Thanks everyone for the advice. Definitely learned my lesson about individual debtor name formatting. Will be more careful going forward.
Awesome! This thread will be helpful for others dealing with similar issues. Texas individual debtor name formatting seems to be a common problem.
Definitely. Hope this helps someone else avoid the same rejection issues. The key was dropping the middle name and using simple "First Last" format.
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Harold Oh
Update us when you get it resolved! I'm curious how long it ends up taking them.
Jenna Sloan
•Will do! Hoping to have an update by next week after I call them with some of these suggestions.
Amun-Ra Azra
For what it's worth, 30 days isn't the longest I've seen but it's definitely on the slow side. Most professional lenders file UCC-3 terminations within 10-15 business days of payoff. The fact that your credit union can't give you a timeline is concerning - that suggests they don't have a standard process in place.
Honestly some of these smaller credit unions just aren't set up for commercial lending. They probably handle maybe 5-10 UCC filings per year total.
Amun-Ra Azra
•True, and if they outsource their UCC filing to a service company that could explain the delays too. Third-party processors sometimes batch everything monthly.
CosmicCruiser
Honestly, 12 days notice plus newspaper advertising sounds like you exceeded minimum requirements. The debtor is probably just trying to delay collection. Don't let them intimidate you over technical notice issues if you followed reasonable commercial practices.
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GalacticGuru
•Thanks for the reassurance. I keep second-guessing myself but we did try to follow proper procedures. Just worried about the authorization issue with the person who signed for the certified mail.
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Aisha Khan
•Even if there's an authorization issue, you can probably cure it by re-serving proper notice. It might delay collection but shouldn't kill your deficiency rights entirely.
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Ethan Taylor
The 9-606 notice timing sounds fine, but I'd be more concerned about the content of your notice. Did you include the specific UCC 9-614 required elements? Missing required content can be more problematic than timing issues.
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Ethan Taylor
•That's probably wise given the amount at stake. An attorney can review both the notice compliance and the service issues to determine your collection prospects.
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Yuki Ito
•Definitely get legal review for a $180K deficiency. The cost of attorney review is minimal compared to losing collection rights over a notice technicality.
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