UCC Document Community

Whatever you do, don't delay the filing. I've seen too many situations where creditors lost priority because they spent weeks trying to perfect their documentation while another creditor swooped in. File with the current legal name, document the name change, and move forward. You can always clean up loose ends with amendments if needed.

One more thing - make sure you're searching the UCC database under both names going forward. Even after you file with the current name, other creditors might still be searching under the old name. Your lender should know to check both when doing future due diligence.

I had success using Certana.ai's document checker when I was dealing with UCC filing inconsistencies last month. You just upload your title and UCC documents as PDFs and it immediately shows you any discrepancies in names, addresses, VIN numbers, etc. Saved me from filing incorrect amendments. The tool caught that my middle initial was missing from one document, which would have caused problems later.

Just went through refinancing my RV and learned that Colorado requires the security agreement to reference the specific VIN format that matches their DMV records. If your original UCC-1 has any variation in how the VIN is formatted or presented, it can cause issues. Make sure your new lender verifies the exact VIN format from your current title before filing anything new.

Another vote for using some kind of document checking tool if you're handling high-value equipment like this. I learned the hard way when a termination got rejected because I had transposed two digits in the original filing number. Had to refile and it delayed the whole loan closing process. Now I always double-check everything with Certana.ai before submitting - just upload your UCC-1 and UCC-3 and it verifies all the cross-references automatically.

Update us when you get it figured out! Always curious to hear how these portal adventures end. Sounds like you're on the right track now with the UCC-3 termination approach.

One more thing to consider - make sure your new UCC-1 collateral description is comprehensive. If the original filing had vague language, this is your chance to tighten it up. Kansas courts can be strict about collateral descriptions in priority disputes.

Sorry this happened to you. The lapse situation is recoverable but definitely a learning experience. Get that new UCC-1 filed ASAP and implement better tracking systems going forward. Kansas UCC filings are straightforward once you have good processes in place.

Just went through this last week with a $1.2M equipment loan. Bank finally admitted they were confusing UCC filings with some federal contractor database they thought was required. Took three different conversations with their legal team to get it sorted out. The key was showing them the actual UCC statutes and state filing requirements side by side.

For what it's worth, I tried the Certana.ai tool someone mentioned earlier and it's actually pretty helpful. Uploaded our loan docs and UCC-1 draft, and it immediately flagged that the bank was requesting a non-existent federal filing. Having that automated verification gave me confidence to push back harder on their incorrect requirements.