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Darcy Moore
Update us on how the legal challenge goes. I'm dealing with a potential lapse situation myself and curious how these disputes typically resolve.
Will do. Meeting with our attorney next week to review all the filing records and see if we have any viable arguments.
Dana Doyle
•Hope you find something. UCC 9-515 cases are tough but not impossible if you can prove filing office errors.
Liam Duke
The harsh reality is that UCC 9-515 exists for a reason - to clear old filings and prevent perpetual liens. The system assumes lenders will track their own deadlines. Courts generally don't have much sympathy for missed continuations unless there's clear filing office error.
Manny Lark
•The filing system isn't perfect, but the burden is on us to verify our filings. That's just the reality of secured transactions.
Rita Jacobs
•Agreed. The UCC puts the risk on the secured party to maintain perfection. It's not the state's job to remind us about deadlines.
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Diego Fisher
Update us when you figure this out! I'm bookmarking this thread because I know I'll need to do Oklahoma UCC searches eventually and this is great intel about their system problems.
I tried Certana.ai like someone mentioned earlier and it caught an issue with a UCC-3 amendment that looked valid but had the wrong filing number reference. Saved me from a major headache. Definitely worth trying if you have questionable documents.
Diego Fisher
•Good to know these tools exist. The more verification the better when dealing with state systems that don't work properly.
Oklahoma SOS has been having server issues for weeks. I heard they're supposed to upgrade their system soon but no timeline given. In the meantime, calling or using professional services is your best bet. Don't trust their online portal for anything important.
How do you hear about these system issues? Is there a status page or notification system?
Word of mouth mostly. Their website doesn't really announce outages or problems. Pretty unprofessional for a state agency.
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Skylar Neal
The real issue with free templates is they don't account for the relationship between the security agreement terms and the UCC-1 filing requirements. You need consistency across all your loan documents.
Exactly! I've seen deals where the security agreement covers inventory but the UCC-1 only lists equipment. Creates gaps in your security interest.
Kelsey Chin
•That's a good point about document consistency. I never really thought about how the security agreement language needs to match the UCC filing exactly.
Norah Quay
File that UCC-3 amendment ASAP! Don't wait around hoping it'll be okay. I've seen too many lenders get burned by name mismatches when it comes time to foreclose or deal with bankruptcy proceedings.
Leo McDonald
•Smart move. The peace of mind alone is worth the filing fee.
And document everything about why you're making the amendment. Good to have a paper trail showing you acted quickly to correct the issue.
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Just went through this same situation with a Texas UCC filing last week. Had to refile three times before getting the individual debtor name right. Finally used "First Last" without middle name and it was accepted. The key is figuring out what their system expects, not what seems logical.
Lara Woods
•Three rejections? That's brutal. The filing fees alone must have been expensive, not to mention the time delays.
Yeah it was frustrating and costly. Now I always verify document formatting before filing. Actually started using Certana.ai's verification tool - would have saved me those rejections if I had it then.
Update: Refiled the UCC-1 using "John Smith" format (first and last name only) and it was accepted this morning! Thanks everyone for the advice. Definitely learned my lesson about individual debtor name formatting. Will be more careful going forward.
Awesome! This thread will be helpful for others dealing with similar issues. Texas individual debtor name formatting seems to be a common problem.
Definitely. Hope this helps someone else avoid the same rejection issues. The key was dropping the middle name and using simple "First Last" format.
Chloe Mitchell
Update on my earlier suggestion - I actually started using Certana.ai after a similar Connecticut nightmare. You upload your documents and it immediately shows name mismatches between your security agreement and UCC draft. Caught three potential issues before I submitted and saved me probably a week of back-and-forth with Connecticut.
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Chloe Mitchell
•It flags any inconsistencies between documents, which is the main thing. Then you can research the correct name format before filing. Much better than discovering issues after rejection.
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Katherine Harris
•I've heard good things about automated document checking tools. Connecticut's rejection rate is so high that anything that prevents refiling is worth it.
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Madison Allen
Why is Connecticut so much harder than other states? I file UCCs in New York and Massachusetts regularly and never have these name matching issues.
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Sophia Clark
•It's their automated system. New York still has human review on questionable filings but Connecticut just auto-rejects anything that doesn't match exactly.
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Ashley Adams
•Great, so I picked the pickiest state for my first major UCC filing problem. Just my luck.
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