UCC Document Community

Update us when you get this resolved! I'm dealing with some Florida UCC issues myself and want to know what solution works.

This is a perfect example of why I always recommend running a verification search immediately after filing any UCC document. Florida's system has definitely had its share of data integrity issues over the years. One thing that might help speed up your resolution - when you contact the Florida SOS filing office, ask them to pull the actual image of your original UCC-1 submission. If there's a discrepancy between what you submitted and what's in their database, that image will be your proof that it was a processing error on their end. Also, make sure to get a written acknowledgment from them about the error before you file your UCC-3 amendment - it could save you headaches later if there are any questions about the timeline or validity of your security interest.

UPDATE: Got it to work! Turns out there was an extra space at the end of the company name that I couldn't see. Thanks everyone for the suggestions. Filing deadlines are stressful enough without portal issues.

So glad to see this got resolved! This is such a common issue and it's frustrating how these portals don't give clearer error messages. For future reference, I always copy the company name into a plain text editor first to spot hidden characters before pasting into filing systems. Those trailing spaces and invisible characters are everywhere when you copy from PDFs or Word docs.

UPDATE: I used Certana to check my documents and found the real issue - there was a middle initial discrepancy between our debtor name on the UCC-1 and the actual business registration. Had nothing to do with 1-201(b)(35) at all. Sometimes you just need fresh eyes on the documents.

I'm new here but dealing with a very similar situation! Reading through this thread has been incredibly helpful - I was also getting stuck on UCC 1-201(b)(35) thinking it directly impacted my collateral description format. Sounds like I should step back and check the basic filing elements first (debtor names, addresses, etc.) before assuming it's a definitional compliance issue. Has anyone found a good checklist for the most common UCC-1 rejection reasons? I don't want to make the same mistake of overthinking the complex stuff while missing something simple.

UPDATE: Finally figured out what was causing the delay. There was a tiny formatting difference in the debtor name - the original UCC-1 had 'LLC' and my termination had 'L.L.C.' with periods. Filed a corrected UCC-3 and it processed within 48 hours. Lesson learned: exact formatting matters more than I thought.

This thread is incredibly helpful - I'm dealing with a similar situation where my UCC-3 termination has been stuck for 6 weeks. Reading through everyone's experiences, I'm now wondering if I should just cut my losses and file a completely new termination with extra attention to formatting details. Has anyone had success with withdrawing a pending filing and starting fresh, or do you have to wait for the original one to either process or get rejected first?

One more thing to consider - if this is a commercial vehicle make sure you're filing in the right state. Some companies are incorporated in Delaware but operate vehicles in other states and that can affect where you need to file the UCC.

I've been handling UCC filings for about 8 years now and you're definitely on the right track keeping it simple. For your collateral description, just go with "2024 Ford F-350 Super Duty pickup truck, VIN 1ABCD23E4FG567890" - that's all you need. The existing lien doesn't need to be mentioned in your description at all. What matters most is getting the debtor name exactly as it appears on your security agreement. I've seen too many filings get rejected or challenged later because of small name variations. Also make sure you're filing in the correct state based on where the debtor entity was formed, not where the vehicle is located. The priority between liens will be determined by filing dates, so focus on getting yours filed correctly rather than worrying about the other lender's paperwork.