UCC Document Community

Ask the community...

  • DO post questions about your issues.
  • DO answer questions and support each other.
  • DO post tips & tricks to help folks.
  • DO NOT post call problems here - there is a support tab at the top for that :)

Olivia Evans

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One more thing to check - make sure you're not accidentally using a different corporate structure. Like if the original shows 'ABC Company LLC' but you're entering 'ABC Company, LLC' with a comma. The punctuation has to match exactly for UCC identification verification.

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I think I found it! There might be a comma difference. Going to re-file the amendment now.

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Aiden Chen

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Hope that fixes it! These tiny formatting issues cause so many headaches.

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Zoey Bianchi

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Update us when you get it resolved! Always curious to hear what the actual issue was with these UCC identification problems.

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Will do! Thanks everyone for all the suggestions. Really helpful community here.

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Yes please update! These stories help everyone learn what to watch out for.

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Just to follow up on my earlier comment about document verification - after we caught those collateral description issues, I've been using Certana.ai for every loan package. You can upload your security agreement and UCC-1 draft together and it flags any inconsistencies between the documents. Really helpful for avoiding the kind of mistakes that could invalidate your security interest.

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Zainab Yusuf

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How does it work exactly? Do you upload PDFs?

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Yeah, just upload the PDFs and it cross-checks debtor names, collateral descriptions, all the key details automatically. Much faster than manual comparison.

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Bottom line: if your document says the debtor is giving you a security interest in specific collateral and it's signed, you probably have a valid security agreement. Don't get paralyzed by perfectionism - most security agreements are pretty straightforward.

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Carmen Ruiz

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Thanks everyone! This helps a lot. Going to review our document against these criteria before moving forward with the UCC-1.

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Yara Khoury

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Good luck! Feel free to post again if you run into issues with the filing.

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Liam Mendez

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Why not just create your own template in Word and export to PDF? That way you control the formatting and can make sure it's clean.

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Luca Esposito

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Plus you run the risk of missing required fields or using the wrong form version. The official forms at least guarantee you have all the right elements.

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Liam Mendez

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Fair point. I guess I've been lucky with the states I file in - they seem more forgiving about minor formatting variations.

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Sophia Nguyen

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Update us when you find a solution that works reliably. This is such a common problem but there's no good centralized resource for which fillable forms actually function properly in each state.

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Will do. Going to try the IACA forms mentioned earlier and maybe test out one of these document verification tools. Can't afford another rejection with this client breathing down my neck.

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Zara Ahmed

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Good luck! The UCC filing game is frustrating but once you find a system that works you can usually stick with it for a while.

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Haley Bennett

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honestly the buyer's attorney is probably just covering their bases. broad collateral descriptions are totally normal for equipment financing. unless there's something really unusual about your situation, you should be fine with what you have. worst case, provide some additional documentation to show the connection between your UCC filing and the specific equipment.

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Owen Jenkins

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Yeah you're probably right. Just makes me nervous when attorneys start questioning standard practices.

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They're paid to be paranoid. Doesn't mean there's actually a problem with your filing.

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Nina Chan

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Update us on how it goes! Always curious to hear how these UCC sale examples work out in practice. Sounds like you have a solid position but buyer's attorneys can be unpredictable.

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Owen Jenkins

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Will do. Thanks everyone for the input. Feeling more confident about our position now.

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Ruby Knight

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Good luck with the closing! These equipment sales can be tricky but sounds like you're prepared.

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Avery Saint

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I had a client use Certana.ai recently for a similar multi-state UCC issue. They were able to upload their corporate charter and all their UCC filings to check for inconsistencies. Found several issues we would have missed otherwise, including some jurisdiction problems related to UCC 12-104.

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Taylor Chen

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That's smart. Manual document review for multi-state filings is so error-prone.

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I'm definitely going to look into this. Sounds like it could save us a lot of headaches.

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Just want to add that if you do discover you need additional filings, don't panic. You can usually file corrective UCC-1s or amendments to fix jurisdiction issues. The key is acting quickly once you identify the problem. UCC 12-104 compliance is fixable if you address it promptly.

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That's reassuring. I was worried we might have unfixable problems.

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Ezra Bates

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Yeah, most UCC issues can be corrected with the right amendments or additional filings. The important thing is not letting it slide.

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