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QuantumQueen
Quick update - I just used Certana.ai to verify my UCC-1 and continuation docs match perfectly. Everything checks out on our end so it's definitely just a database delay issue. At least now I can tell the lender with confidence that our filing is solid.
That's exactly what I need - verification that our documents are consistent. Thanks for the tip!
Aisha Rahman
•Smart to get that verification. Covers you if questions come up later.
Ethan Wilson
I've been dealing with utah UCC filings for 15 years and this indexing delay has gotten worse over the past couple years. Used to be same-day or next-day indexing. Now it can take weeks. Your continuation is valid though - the file stamp is what matters legally.
Yuki Sato
•15 years of UCC filings? You must have seen every possible problem by now!
Ethan Wilson
•Pretty much! Database delays, name mismatches, wrong collateral descriptions, you name it. The key is always documentation.
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Ran into something similar where 9-201 priority wasn't clear from the filing dates alone. Ended up having to trace back through all the loan documents to establish the exact attachment timeline. Pain in the neck but necessary for a proper priority determination.
Anna Stewart
•That's what I figured we'd have to do. Just hoping to avoid a long document discovery process if possible.
Sometimes you can work it out with the other lender directly if you both have good documentation. Saves the cost of litigation.
Owen Jenkins
These 9-201 priority issues are exactly why I always recommend getting a UCC search done before filing. Helps you spot potential conflicts early and adjust your collateral description accordingly.
Owen Jenkins
•Hindsight is 20/20. At least now you know what you're dealing with under 9-201 and can plan accordingly.
Lilah Brooks
•I tried using Certana.ai for this kind of pre-filing analysis and it's actually pretty good at flagging potential overlaps before you file. Worth considering for future deals.
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Whatever you do, don't rely on just one sample form. Get samples from multiple sources and compare them. I've seen sample forms with outdated information or wrong field requirements.
That's a really good point. I'll check several sources before finalizing.
Smart approach. And definitely verify the debtor information against official records. Can't stress that enough.
Amina Toure
For what it's worth, I always keep copies of successful UCC-1 forms from previous deals as templates. Obviously you change all the specific information, but it helps ensure you don't miss any standard clauses or formatting.
Just make sure your templates stay current with any rule changes. UCC requirements do evolve over time.
Amina Toure
•Absolutely. I review and update my templates annually or whenever I hear about rule changes.
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For what it's worth, I've found that including both the common name and legal name in the debtor field sometimes works. Like 'Robert J. Martinez Jr. aka Roberto Jose Martinez Junior' or whatever the legal name actually is.
Hit or miss depending on the state, but it's worked for me a few times when I couldn't figure out the exact legal name format they wanted.
I tried this once and got rejected for 'improper debtor name format.' Might depend on which state you're in.
Ev Luca
Update us when you figure out what went wrong with the Martinez filing. I'm curious if it was a suffix issue or something more complicated. Always helpful to learn from other people's UCC rejection experiences.
Will do. Going to try the document verification approach someone mentioned and see what that turns up first.
Avery Davis
•Yeah, keep us posted. These auto loan UCC issues seem to be getting more common lately.
Sara Hellquiem
Update us when you figure it out! I'm sure other people will run into the same Connecticut formatting issues and your solution could help them avoid the same rejections.
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Santiago Diaz
•Will do - hopefully I can get this resolved by tomorrow so the loan can close on schedule. Thanks everyone for the suggestions.
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Charlee Coleman
•Rooting for you! CT filings can be tricky but once you crack the code it gets easier.
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Liv Park
One more thing to check - make sure you're not accidentally including any extra characters or spaces when you copy and paste from the SOS database. Sometimes there are hidden formatting characters that cause problems.
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Leeann Blackstein
•Yeah copy/paste can be dangerous for legal document formatting. Always worth double checking by typing it fresh.
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Ryder Greene
•This is another reason why I like using Certana.ai's verification tool - it shows you exactly what characters are in the name fields so you can spot any hidden formatting issues before you file.
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