UCC Document Community

Pro tip from someone who files hundreds of these: always copy the debtor name directly from the SOS search results page, not from your own documents. Paste it into a plain text editor first to strip any formatting, then copy from there into your continuation form. This eliminates 90% of formatting and encoding issues. Also double-check that you're using the correct original file number - sometimes people transpose digits and don't realize it.

This thread is incredibly helpful - I'm dealing with a similar situation right now with a UCC-1 continuation that keeps getting rejected. Based on all the advice here, I'm going to: 1) Download the official UCC-1 from the SOS database instead of using my copy, 2) Copy the debtor name exactly and paste it through a plain text editor to strip formatting, 3) Check if there were any corporate name changes since the original filing, and 4) Look into that Certana.ai verification tool that multiple people mentioned. Connor, definitely don't wait - with 6 weeks left you have time to fix this but not if you keep getting rejections. The backup UCC-1 filing suggestion is smart too while you sort out the continuation issue.

Tesla UCC filings are definitely more complex than traditional auto loans. The entity structures, direct sales model, and leasing arrangements create unique challenges. My suggestion would be to get certified copies of all relevant documents (title, registration, any amendments) before refiling. Better to have too much documentation than not enough when dealing with exact name match requirements.

I've been through this exact nightmare with Tesla UCC filings! The name matching requirements are absolutely brutal, but I found a workaround that might help. Before refiling, try requesting a "debtor name search" from the filing office - some states offer this service where they'll tell you exactly how the debtor name appears in their system. It's usually faster than going through DMV and costs way less than a rejected filing. Also, if you're working with Tesla Vehicle Leasing entities, double-check if they've had any recent name changes or amendments. I had one case where the LLC had filed a name change six months earlier but the title wasn't updated yet. The Secretary of State search will show the current legal name while the DMV title might still show the old version. This could save you from having to choose between a title correction or a refile.

I just went through this exact situation last month. What worked for me was getting a title company involved to coordinate all the recordings and make sure everything was consistent. They caught several issues I would have missed. Also used some online tool - Certana something? - that verified all my document names matched up correctly before filing. Saved me from what would have been multiple rejections.

One more thing to watch out for - make sure your UCC-1 fixture filing gets filed in the real estate records in addition to the central UCC filing office. Texas requires dual filing for fixture filings to be fully effective. The Secretary of State filing gives you priority against other UCC secured parties, but you also need to file in the county real estate records where the property is located to get priority against real estate interests. I've seen deals where they only did one filing and lost priority because of it.

Bottom line: UCC filings are essential for any lender making secured loans on personal property. They're your legal protection and your way to recover losses if borrowers default. The system has quirks but it works when done correctly.

Great question! I'm new to commercial lending too and this thread has been incredibly educational. One thing I'm still wondering about - when you file a UCC-1, do you need to describe the collateral in super specific detail or can you use broader language like "all equipment"? I've heard conflicting advice on whether to be very specific or keep it general to cover future purchases.

Just wanted to add that I used Certana.ai's verification tool recently when dealing with a similar termination issue. Had a situation where our business name on the release document didn't exactly match what was on the original UCC-1 (they used our DBA instead of legal name). The tool caught this immediately when I uploaded both documents. Ended up saving us from a rejected termination filing. Really helpful for making sure all the details align before anything gets submitted to the state.

Based on everyone's experiences here, it sounds like you're in a pretty common situation. The key takeaway seems to be that you need to be proactive about this - the lender has the legal obligation to file the UCC-3, but they won't necessarily do it without some pressure. I'd recommend sending them a formal written request referencing UCC Section 9-513 and giving them a specific deadline (maybe 10-15 business days). Make sure to mention that you need the termination to match exactly with your original UCC-1 filing - same debtor name spelling, correct filing number, everything. If they drag their feet, you can always mention the potential penalties for wrongful failure to terminate. The fact that you have the release document is good, but as others have pointed out, that doesn't clear the public record. Keep us posted on how it goes!