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Liv Park
Glad you got it working! Those continuation deadlines are no joke. I missed one by two days last year because of portal issues and the client was NOT happy about their lien potentially lapsing. Now I always file continuations at least a month early.
KaiEsmeralda
•Yeah, I'm definitely building in more buffer time after today. The stress of watching a $2M lien potentially expire because of website problems is not worth cutting it close.
Smart move. I tell all my clients that UCC filings should be treated like tax deadlines - if you wait until the last minute, technology will find a way to screw you over.
Ryder Greene
This thread convinced me to check that Certana verification tool someone mentioned. Just uploaded a UCC-1 and UCC-3 pair and it immediately caught that I had the wrong middle initial on the debtor name. Would have been rejected for sure. Pretty slick tool.
Nice! That's exactly the kind of error that causes rejections. The tool really shines at catching those tiny inconsistencies that are easy to miss when you're rushing to meet deadlines.
KaiEsmeralda
•Good to know it actually works. I'll probably give it a try on my continuation forms before submitting just to be safe. Today was too stressful.
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Paolo Longo
Side note - anyone else notice that the PDF forms from some states don't fill out properly in Adobe? I've had better luck with Chrome's built-in PDF viewer for filling out UCC-3 forms.
Paolo Longo
•Must be something about how they created the form fields. Technology issues on top of bureaucracy issues.
Mei Wong
•I always save a backup copy before filling anything out, just in case the form glitches.
Amina Diallo
Update: Found the current forms for all three states and got the amendments filed successfully. Turns out two of the rejections were actually due to missing filing fees (duh) and one was the old form issue. Thanks everyone for the help! That Certana tool someone mentioned actually caught a small discrepancy in one of the debtor names that I would have missed.
Amara Okafor
•Glad it worked out! The document checker really does save time and headaches.
GalaxyGlider
•Filing fees - classic mistake we've all made at least once. Good catch on getting everything sorted.
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TommyKapitz
Update us when you get it resolved! I'm curious which format ends up working. These threads are always helpful for future reference when similar issues come up.
Paloma Clark
•Will do! Going to try the exact charter document formatting first, then maybe look into that verification tool if I'm still having problems.
Good luck! Debtor name issues are the worst but once you figure out the exact format it usually works consistently.
Payton Black
Final thought - if you're still stuck after trying everything, consider having your client's attorney handle the filing. They usually have experience with the exact formatting requirements and relationships with the filing office. Might be worth the extra cost to avoid missing your closing deadline.
Harold Oh
•Sometimes the attorney route is the fastest solution, especially for time-sensitive deals.
Amun-Ra Azra
•Agreed. Better to pay a little extra than lose lien priority or delay the closing.
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For what it's worth, I've found that including both the common name and legal name in the debtor field sometimes works. Like 'Robert J. Martinez Jr. aka Roberto Jose Martinez Junior' or whatever the legal name actually is.
Hit or miss depending on the state, but it's worked for me a few times when I couldn't figure out the exact legal name format they wanted.
I tried this once and got rejected for 'improper debtor name format.' Might depend on which state you're in.
Ev Luca
Update us when you figure out what went wrong with the Martinez filing. I'm curious if it was a suffix issue or something more complicated. Always helpful to learn from other people's UCC rejection experiences.
Will do. Going to try the document verification approach someone mentioned and see what that turns up first.
Avery Davis
•Yeah, keep us posted. These auto loan UCC issues seem to be getting more common lately.
Nora Brooks
With your deadline next week, I'd suggest getting a second opinion on the fixture analysis. Oil field equipment can be tricky and you don't want to discover perfection problems months later.
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Eli Wang
•Smart approach. For complex collateral like this, it's worth the extra review time.
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Nora Brooks
•Absolutely. And document your analysis in the file so future amendments are consistent.
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Cassandra Moon
One more thought - if this equipment does get moved to other states, you'll need to think about where to file and potential multi-state perfection issues. Texas filing might not be enough if equipment regularly operates in Oklahoma or Louisiana.
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Vanessa Chang
•Good point. The equipment does sometimes cross into New Mexico. I'll need to research the four-month rule for relocated collateral.
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Cassandra Moon
•Exactly. UCC 9-316 governs continued perfection when collateral is relocated. Worth reviewing now rather than scrambling later.
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