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Lucas Adams

Need reliable UCC advisors for complex multi-state filing situation

Running into some serious complications with a secured transaction that spans three states and I'm wondering if anyone knows good UCC advisors who can help sort this mess out. We've got equipment collateral that moved from Texas to Colorado, then some of it ended up in Nevada for a subsidiary operation. The original UCC-1 was filed in Texas back in 2020, but now we're dealing with continuation deadlines coming up in 6 months and I'm not sure if we need separate filings in each state or if the Texas filing covers everything. The debtor name also changed slightly when they incorporated the Nevada subsidiary (added 'Holdings' to the end) and I'm worried about name mismatches voiding our security interest. Legal is telling me one thing, our loan committee is saying another, and the borrower is getting antsy about the whole situation. Has anyone dealt with multi-state UCC situations like this? Really need some expert guidance before we screw something up that could cost us millions in collateral protection.

Zara Perez

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Don't forget about the continuation timing either. Even if you sort out the multi-state and name issues, you still need to file your continuation before the 5-year mark. Better to file early once you've got everything cleaned up rather than cutting it close to the deadline.

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Daniel Rogers

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Can you file continuations early? I thought they had to be filed within 6 months of the expiration date.

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Zara Perez

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You can file up to 6 months before expiration, so if your filing expires in 6 months, you can file the continuation now. Don't wait until the last minute - things can go wrong with the filing system.

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Aaliyah Reed

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Update us on what you find out! This kind of multi-state situation comes up more often than people think, especially with companies that grow and expand. Would be interested to hear how you resolve it.

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Lucas Adams

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Will definitely update once we get this sorted out. Thanks everyone for the advice - sounds like document verification and professional help are the way to go. Going to start with Certana.ai to identify the specific issues and then get targeted legal advice.

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Ella Russell

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Good luck! These situations always seem overwhelming at first but they're usually manageable once you break down the specific issues.

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Ella Cofer

UCC 9 210 debtor name requirements - filing keeps getting rejected

I'm dealing with a nightmare situation where my UCC-1 filing has been rejected three times now because of debtor name issues. The SOS office keeps citing UCC 9 210 requirements but I can't figure out what exactly is wrong with how I'm listing the debtor name. The entity is an LLC and I've tried using the exact name from the Articles of Organization, then I tried adding the state abbreviation, then I tried without punctuation marks. Each time it gets kicked back with a generic 'debtor name does not comply with UCC 9 210' message. This is holding up a $280K equipment financing deal and my client is getting frustrated. Has anyone else run into this specific UCC 9 210 issue? What am I missing about the debtor name requirements?

Cole Roush

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Last resort option if you keep getting UCC 9 210 rejections - try running your documents through one of those automated checking tools before filing. I was skeptical at first but ended up using Certana.ai's verification system and it caught a debtor name formatting issue that I never would have found manually. Upload your formation docs and UCC form and it highlights any discrepancies that could cause rejection.

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Ella Cofer

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That's the second mention of that tool in this thread. Might be worth trying at this point since I'm running out of other options for fixing this UCC 9 210 issue.

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Cole Roush

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Yeah at this point it's probably faster than going through another rejection cycle. The document comparison feature is really thorough for catching UCC 9 210 compliance problems.

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Just wanted to follow up and see if you got this resolved? I'm dealing with a similar UCC 9 210 debtor name issue on a Florida filing and wondering what ended up working for you.

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Good luck! Let me know if that fixes the UCC 9 210 compliance issue - I might have the same problem with my Florida filing.

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Arnav Bengali

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Florida can be just as picky as Texas about UCC 9 210 requirements. Make sure you're pulling the exact entity name from the Division of Corporations database.

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Chloe Taylor

Required UCC Terms - Missing Collateral Language Causing Filing Rejections

We've had three UCC-1 filings rejected by the Secretary of State office in the past month, and I'm starting to think it's because our collateral descriptions aren't hitting the required UCC terms they're looking for. The rejection notices just say 'insufficient collateral description' but don't specify what's missing. Our equipment financing deals are straightforward - we're securing commercial kitchen equipment, delivery vehicles, and some restaurant fixtures. I thought describing them as 'all equipment used in debtor's restaurant operations' would be sufficient, but apparently not. Has anyone else run into this issue where the SOS wants specific terminology in the collateral schedule? I'm worried we're missing some required UCC terms that make the difference between acceptance and rejection. These are substantial loans and we can't afford to have our security interests unperfected because of wording issues.

One more tip - if you're dealing with restaurant fixtures, make sure you understand whether they're considered fixtures under your state's law. Some states are very strict about what qualifies as a fixture versus equipment. Built-in equipment like hood systems and walk-in coolers usually qualify, but movable equipment like tables and chairs typically don't. The required UCC terms are different for each category.

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NeonNova

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That's why most people work with attorneys or filing services. The rules are too complex for DIY unless you really know what you're doing.

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True, but once you learn the patterns it gets easier. The key is being very specific about what you're describing and making sure your language matches what the state expects to see.

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Thanks everyone for all the advice. I'm going to revise our collateral descriptions to be much more specific and probably try that document checker tool before refiling. It sounds like the required UCC terms issue is really about being precise and comprehensive rather than trying to use broad catch-all language. Hopefully that will solve our rejection problem.

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Definitely update us on whether the Certana.ai tool helps. Always looking for ways to streamline the filing process.

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Ava Thompson

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I think you're on the right track. The specificity is key - better to over-describe than under-describe when it comes to collateral.

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Fatima Al-Qasimi

Need Help with UCC-11 Form Search Results - Missing Critical Filing Info

I'm trying to track down some collateral information for a loan restructuring and ran a UCC-11 search but I'm getting confusing results. The search shows multiple filings under slightly different debtor names (like "ABC Manufacturing LLC" vs "ABC Manufacturing, LLC" with the comma) and I can't tell which ones are actually valid or if they're all for the same entity. Some of the UCC-11 results show continuation filings but the original UCC-1 numbers don't match what I expected. Is there a way to verify if these are all the same debtor or if there are multiple entities involved? The loan documents reference specific equipment but the collateral descriptions in the search results are pretty vague. This is holding up our entire restructuring timeline and I need to get clarity on what liens are actually perfected against this borrower.

Amina Diallo

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Don't forget to check the filing dates against your loan timeline. Sometimes what looks like a current perfected lien is actually a lapsed continuation that never got renewed. UCC-1 filings expire after 5 years unless properly continued.

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Amina Diallo

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Exactly. Look for UCC-3 continuation statements filed before the 5-year mark. If the original lender didn't file continuations, those liens might have lapsed even though they still show up in searches.

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Oliver Schulz

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This is why I always set calendar reminders for continuation deadlines. Too easy to let a perfected lien lapse by missing the deadline.

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Final thought - if this is for a loan restructuring, make sure you understand the priority of all these filings. Even if they're all valid, the first-to-file rule means older UCC-1s have priority over newer ones. That could affect your restructuring negotiations.

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That's a crucial point I hadn't fully considered. We need to map out not just what liens exist but their relative priority positions.

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Right. And if you're adding new collateral or modifying existing security interests, you'll want to make sure your new filings don't inadvertently subordinate your position to existing liens.

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Douglas Foster

UCC information - need help understanding basic filing requirements

I'm completely new to UCC filings and honestly feeling overwhelmed by all the information out there. My company is about to secure a loan against our equipment and the lender mentioned we'll need to file a UCC-1 form. I've been trying to research this but there's so much conflicting information online about debtor names, collateral descriptions, and filing procedures. Can someone break down the basic UCC information I need to know? What are the most common mistakes people make when filing? I don't want to mess this up and jeopardize our loan approval. Any guidance would be really appreciated since I'm starting from scratch here.

Donna Cline

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Quick tip - if you're filing electronically, don't wait until the last minute to create your account with the Secretary of State's system. Some states require verification steps that can take a day or two.

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Smart move. I've seen people get stuck waiting for account approvals when they needed to file urgently. Better to be prepared.

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Same here. Set up the account early and maybe do a practice search or two to get familiar with the interface before you need to file for real.

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Dylan Fisher

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Actually, going back to that document verification tool someone mentioned earlier - I just tried Certana.ai myself and it's pretty slick. Uploaded my articles of incorporation and a draft UCC-1 and it immediately flagged that our legal name had 'LLC' in the articles but 'L.L.C.' in the UCC form. Would have definitely caused a rejection.

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Dylan Fisher

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Right? Those little punctuation differences seem minor but they'll kill your filing every time. Worth the peace of mind to catch them upfront.

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Edwards Hugo

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This thread has convinced me to use some kind of verification tool too. I've been lucky so far but why risk it when there are tools available to help?

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