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Had this happen last month with a termination that didn't show up. Turned out the issue was with the debtor address format - we had 'Suite 100' and the original had 'Ste 100'. Even though terminations don't require address matches, their system flagged it as suspicious and held it up.
Wait, debtor addresses matter for terminations? I thought only the name and filing number needed to match exactly.
Officially they don't, but NC's system apparently flags major discrepancies for manual review. Created a 3-week delay while they sorted it out.
Update: Called the NC UCC department and they found the issue! There was an extra space in the middle initial field that didn't match the original filing. They're processing the correction now and said it should show up in searches within 5 business days. Thanks everyone for the advice about calling directly - definitely wouldn't have figured this out otherwise.
Mia Roberts
•Awesome news! How long was the total delay from filing to getting it corrected? Just curious for future reference.
Alicia Stern
•About 6 weeks total - 3 weeks before I realized there was a problem, 2 weeks of trying to figure it out myself, then 1 week for them to process the correction after I called.
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I had three continuation rejections in a row last month, all for debtor name issues. Finally figured out that our client had amended their articles of incorporation and we were still using the old name. Always check the current entity status before filing!
Axel Far
•That's probably what happened to us too. I need to pull current records and compare them to our original UCC-1 filing.
Entity name changes are such a pain. Technically you might need to file an amendment first to update the debtor name before doing the continuation.
For what it's worth, I've found that using Certana's document verification before submitting has saved me from multiple rejections. The system catches discrepancies between your continuation and the original UCC-1 that are easy to miss manually. Worth checking out if you're dealing with multiple filings.
Axel Far
•I'm going to try that verification tool before refiling our continuation. At this point I need all the help I can get to avoid another rejection.
Fiona Sand
•Let us know how it works out. Always interested in tools that can prevent filing headaches.
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If all else fails and you're really pressed for time, some attorneys will do emergency UCC filings for a fee. Not ideal but beats missing your continuation deadline and having your lien lapse.
Usually around $200-300 for rush service but varies by firm. Call around if you get desperate.
That's expensive but cheaper than having an unperfected lien if something goes wrong.
Update us when you get it working! I file in Delaware regularly and want to know what solution ends up working in case I run into this too.
Will do! Going to try the Firefox suggestion and document verification tonight. Fingers crossed one of these approaches works.
Benjamin Kim
•Same here - always good to know what works when the portal acts up.
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Nia Williams
Actually had a similar situation last week where I kept getting Utah rejections. Ended up using that Certana thing someone mentioned earlier to cross-check all my documents. Found a tiny discrepancy in how I had formatted the LLC designation that I never would have caught manually. Filed clean after that. For deals this size, the small cost is worth avoiding the delays.
That's exactly what I'm worried about - missing some tiny formatting issue that keeps causing rejections. I'll look into that tool.
Nia Williams
•Yeah it's pretty quick, you just upload your PDFs and it flags potential issues. Beats going back and forth with the state filing office.
Luca Ricci
Utah's UCC Article 9 compliance is actually better than a lot of states once you get the hang of it. Their online portal is decent and rejections usually come back quickly so you're not waiting weeks to find out about problems. The key is just being super precise with the debtor name formatting.
Luca Ricci
•Exactly. Utah typically processes within 24-48 hours which is pretty good for government work.
Much better than states that take weeks just to tell you there's a problem.
PrinceJoe
The system is unforgiving but you're not the first person this has happened to. Focus on damage control now - new UCC-1 filing, comprehensive searches, and clear communication with your lender. Then implement better systems going forward. Triple redundancy on continuation deadlines is not overkill in this business.
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Brooklyn Knight
•Triple redundancy sounds excessive but after reading this thread I'm rethinking my own deadline management. Maybe excessive is better than sorry.
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PrinceJoe
•Trust me, the cost of multiple reminder systems is nothing compared to explaining a lapsed lien to an angry lender.
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Owen Devar
Update us when you get the search results back. Curious to see if there were actually any competing filings during your gap period. Sometimes these situations look worse than they actually are, especially with equipment financing where new liens aren't being filed constantly.
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Savannah Vin
•Will definitely update once I have the search results. Filing the new UCC-1 this afternoon and should have search results by tomorrow. Keeping my fingers crossed that the gap period was clean.
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Daniel Rivera
•Good luck! This thread has been educational for all of us about the importance of continuation timing.
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