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 :)

Angel Campbell

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Final thought - consider whether you need to file in multiple states. If the media company has operations in different states or if the copyrighted works were created in different jurisdictions, you might need additional filings.

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Jenna Sloan

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They're incorporated in Delaware but headquartered in California. Thinking we need to file in both states to be safe.

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Christian Burns

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For a $2.8M deal, definitely file in both. The cost of extra filings is nothing compared to the risk of not being properly perfected.

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Ryan Young

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Thanks everyone for the detailed responses! This has been incredibly helpful. Based on the feedback, I'm going with the legal entity name "Creative Content Solutions, LLC" on the UCC-1 and including reference to the DBA in the collateral description. We're also moving forward with dual state filings (Delaware and California) and doing both UCC-1 and Copyright Office recordings for the registered works. The IP audit has been eye-opening - found several issues that could have been problematic down the line. Really appreciate this community's expertise on these complex copyright security deals!

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Javier Cruz

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Update us when you get it sorted! I'm dealing with a similar Illinois UCC issue and want to see if the certificate of good standing approach works.

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Andre Rousseau

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Will definitely update once I try the certificate approach. Fingers crossed this finally works.

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Emma Wilson

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Also interested in the outcome. Illinois UCC filings seem to trip up everyone at some point.

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Olivia Garcia

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I've been through this exact nightmare with Illinois UCC filings! One thing that hasn't been mentioned yet - check if there are any special characters or apostrophes in the LLC name that might be causing issues. Illinois is super picky about punctuation marks. Also, I've found that sometimes the online business entity search shows the name slightly differently than what's in their internal UCC database. If the certificate of good standing approach doesn't work, try requesting the "exact legal name for UCC purposes" directly from the Illinois SOS UCC division - they have a specific format they prefer that isn't always obvious from the public records.

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The timing of these fee increases is terrible. We're already dealing with higher interest rates affecting deal volume, and now filing costs are eating into margins too. Michigan was always one of the more reasonable states for UCC costs.

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Riya Sharma

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Agreed. Between this and the portal reliability issues, I'm steering clients toward other states when possible for multi-state deals.

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That's unfortunate but I understand the logic. Operational headaches plus higher costs make Michigan less attractive for secured lending.

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I've been handling UCC filings in Michigan for over a decade and can confirm the fee structure changes are real and poorly communicated. Beyond the base fee increases, there are now additional surcharges for certain collateral types that aren't well documented. I recommend calling the SOS office early in the morning (around 8 AM) - you'll have better luck getting through before they get swamped with calls. Also, for anyone doing high-volume filings, consider batching your submissions to minimize the impact of portal glitches. The system seems more stable during off-peak hours.

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Cassandra Moon

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I've started using Certana.ai's verification system after getting burned on a deal where I missed an existing lien due to a minor name variation. Now I upload my search results along with the debtor's organizational documents and let their system cross-check everything. It's caught several potential issues I would have missed doing manual comparisons.

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Zane Hernandez

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Do you find it catches things that experienced searchers typically miss, or is it more about efficiency and reducing human error?

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Cassandra Moon

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Both really. It's definitely more efficient than manually comparing dozens of search results, but it's also caught subtle inconsistencies that I probably would have overlooked, especially when dealing with entities that have complex or similar names.

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Zoe Papadakis

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One more thing to consider - if you're dealing with a borrower that has undergone mergers or acquisitions, make sure to search under the names of any predecessor entities too. I've seen situations where liens filed against a company before a merger didn't get properly addressed in the transaction documents, creating unexpected priority issues later. This is especially important if the merger was recent or if the borrower has been through multiple corporate restructurings. Also worth checking if any of the predecessor entities had different state of incorporation, as that could affect where historical filings might be located.

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Marcelle Drum

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UPDATE: Finally got this resolved! Turns out the debtor had filed a DBA that matched their old name, so I was able to use that as an alternative. Filed a new UCC-1 with both the legal name and the DBA listed as debtor names. State accepted it without any issues. Thanks everyone for the suggestions - this uniform commercial code stuff is trickier than it should be but we got there in the end.

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Nalani Liu

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Great outcome! For future filings, definitely consider using a document verification tool upfront. Would have spotted the name issue before filing.

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Tate Jensen

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Thanks for posting the update. Always good to know how these situations get resolved.

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Serene Snow

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Great to hear you got it sorted out! The DBA solution is clever - I wouldn't have thought of that approach. This whole thread is a good reminder to always verify entity names and check for DBAs before filing. The uniform commercial code system really doesn't give you much room for error, but at least there are usually workarounds if you dig deep enough into the corporate records.

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