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 :)

Abigail bergen

CA UCC statement request form rejecting my debtor name - what am I missing?

Been trying to pull a UCC statement using the CA secretary of state form and keep getting rejections on the debtor name field. I'm using the exact name from our loan docs but the system says 'no records found' when I know for certain there should be active filings. Tried variations with punctuation, abbreviations, different entity suffixes but nothing works. The borrower is an LLC and I'm checking against our security agreement from last year. Anyone else run into this with CA's online portal? Starting to wonder if there's some trick to how they index debtor names or if our original UCC-1 got filed with a typo.

Try searching with just the first few words of the entity name, no punctuation. CA's system sometimes strips out special characters differently than you'd expect.

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That's a good tip. I'll try some abbreviated searches and see if anything comes up.

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KylieRose

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UPDATE: Found it! Turns out you were all right about the name variations. The original UCC-1 was filed with 'Limited Liability Company' spelled out instead of 'LLC'. CA's search didn't pick up the abbreviation match. Thanks everyone for the suggestions!

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Nice! Those little details can be so frustrating to track down.

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Perfect example of why automated document checking is so helpful - would have flagged that LLC vs Limited Liability Company difference immediately.

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Savannah Vin

UCC continuation statement timing - Missing 6-month window deadline

I'm dealing with a major headache right now and hoping someone can help. We had a UCC-1 filing from July 2020 that I completely spaced on for the continuation. Just realized yesterday that the 5-year mark passed in July and I never filed the UCC-3 continuation statement timing within the 6-month window before expiration. The original filing was for equipment financing on manufacturing machinery worth about $850K. My lender is freaking out because they're saying the lien is now unperfected and we might have lost our secured position. I've been doing these filings for 3 years but somehow this one slipped through the cracks in my calendar system. Has anyone dealt with this situation before? Is there any way to fix this or are we completely screwed? The debtor is still current on payments but I'm terrified we lost our security interest.

PrinceJoe

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The system is unforgiving but you're not the first person this has happened to. Focus on damage control now - new UCC-1 filing, comprehensive searches, and clear communication with your lender. Then implement better systems going forward. Triple redundancy on continuation deadlines is not overkill in this business.

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Triple redundancy sounds excessive but after reading this thread I'm rethinking my own deadline management. Maybe excessive is better than sorry.

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PrinceJoe

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Trust me, the cost of multiple reminder systems is nothing compared to explaining a lapsed lien to an angry lender.

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Owen Devar

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Update us when you get the search results back. Curious to see if there were actually any competing filings during your gap period. Sometimes these situations look worse than they actually are, especially with equipment financing where new liens aren't being filed constantly.

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Savannah Vin

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Will definitely update once I have the search results. Filing the new UCC-1 this afternoon and should have search results by tomorrow. Keeping my fingers crossed that the gap period was clean.

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Daniel Rivera

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Good luck! This thread has been educational for all of us about the importance of continuation timing.

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Alicia Stern

NC Sec State UCC Search Not Showing Filed Continuation - System Error?

Running into a weird issue with the NC Secretary of State UCC search system. Filed a UCC-3 continuation back in October for a client's equipment loan (original UCC-1 from 2020 was set to lapse in December). Got the filed stamped copy back weeks ago, but when I run the NC sec state UCC search on the debtor name, it's still showing the original filing with no continuation attached. The search results make it look like the lien is going to lapse next month even though we properly continued it. Has anyone else had problems with the NC search database not updating properly after continuation filings? I'm worried lenders might think our security interest lapsed if they run their own searches. The filing number on our continuation matches the original UCC-1 perfectly, and the debtor name is identical character-for-character. This is causing some serious anxiety since we have a major credit review coming up and they always verify UCC filings independently.

Hannah Flores

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Had this happen last month with a termination that didn't show up. Turned out the issue was with the debtor address format - we had 'Suite 100' and the original had 'Ste 100'. Even though terminations don't require address matches, their system flagged it as suspicious and held it up.

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Wait, debtor addresses matter for terminations? I thought only the name and filing number needed to match exactly.

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Hannah Flores

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Officially they don't, but NC's system apparently flags major discrepancies for manual review. Created a 3-week delay while they sorted it out.

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Update: Called the NC UCC department and they found the issue! There was an extra space in the middle initial field that didn't match the original filing. They're processing the correction now and said it should show up in searches within 5 business days. Thanks everyone for the advice about calling directly - definitely wouldn't have figured this out otherwise.

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Mia Roberts

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Awesome news! How long was the total delay from filing to getting it corrected? Just curious for future reference.

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Alicia Stern

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About 6 weeks total - 3 weeks before I realized there was a problem, 2 weeks of trying to figure it out myself, then 1 week for them to process the correction after I called.

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Axel Far

Oregon UCC Statute Requirements - Continuation Filing Confusion

I'm getting mixed up trying to understand the oregon ucc statute requirements for our equipment financing deals. We've been doing UCC-1 filings for years but now I'm second-guessing everything after a client's continuation got rejected last month. The SOS portal keeps referencing different statute sections and I can't figure out if we're following the right procedures. Our debtor names have been consistent but apparently there's some specific oregon rule about how continuation statements need to reference the original filing number? Has anyone dealt with similar issues under the oregon ucc statute framework? I'm worried we might have other filings that could lapse if we don't get this sorted out properly.

Ashley Simian

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I had three continuation rejections in a row last month, all for debtor name issues. Finally figured out that our client had amended their articles of incorporation and we were still using the old name. Always check the current entity status before filing!

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Axel Far

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That's probably what happened to us too. I need to pull current records and compare them to our original UCC-1 filing.

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Entity name changes are such a pain. Technically you might need to file an amendment first to update the debtor name before doing the continuation.

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For what it's worth, I've found that using Certana's document verification before submitting has saved me from multiple rejections. The system catches discrepancies between your continuation and the original UCC-1 that are easy to miss manually. Worth checking out if you're dealing with multiple filings.

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Axel Far

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I'm going to try that verification tool before refiling our continuation. At this point I need all the help I can get to avoid another rejection.

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Fiona Sand

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Let us know how it works out. Always interested in tools that can prevent filing headaches.

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Andrew Pinnock

DE SOS UCC Filing Portal Error - Document Upload Failing

Been trying to submit a UCC-1 through Delaware's SOS portal for three days now and keep getting document upload failures. The system accepts my payment but then crashes during the PDF upload step. Has anyone else dealt with this issue recently? I've got a continuation deadline coming up in two weeks and can't afford to miss it due to technical problems. Already tried different browsers and file sizes under 5MB like their guidelines say. Starting to wonder if I should just mail the hard copy but that takes forever to process.

Alice Fleming

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If all else fails and you're really pressed for time, some attorneys will do emergency UCC filings for a fee. Not ideal but beats missing your continuation deadline and having your lien lapse.

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Alice Fleming

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Usually around $200-300 for rush service but varies by firm. Call around if you get desperate.

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Hassan Khoury

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That's expensive but cheaper than having an unperfected lien if something goes wrong.

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Update us when you get it working! I file in Delaware regularly and want to know what solution ends up working in case I run into this too.

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Will do! Going to try the Firefox suggestion and document verification tonight. Fingers crossed one of these approaches works.

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Benjamin Kim

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Same here - always good to know what works when the portal acts up.

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