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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.
That's a good tip. I'll try some abbreviated searches and see if anything comes up.
KylieRose
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!
Nice! Those little details can be so frustrating to track down.
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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PrinceJoe
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.
Triple redundancy sounds excessive but after reading this thread I'm rethinking my own deadline management. Maybe excessive is better than sorry.
PrinceJoe
•Trust me, the cost of multiple reminder systems is nothing compared to explaining a lapsed lien to an angry lender.
Owen Devar
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.
Savannah Vin
•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.
Good luck! This thread has been educational for all of us about the importance of continuation timing.
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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.
Wait, debtor addresses matter for terminations? I thought only the name and filing number needed to match exactly.
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.
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.
Mia Roberts
•Awesome news! How long was the total delay from filing to getting it corrected? Just curious for future reference.
Alicia Stern
•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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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!
Axel Far
•That's probably what happened to us too. I need to pull current records and compare them to our original UCC-1 filing.
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.
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.
Axel Far
•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.
Fiona Sand
•Let us know how it works out. Always interested in tools that can prevent filing headaches.
Lia Quinn
Update us when you figure out what the actual name discrepancy was. These stories help everyone learn what to watch out for.
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Danielle Campbell
•Will do. Planning to call the filing office Monday morning to get the exact details on what didn't match.
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Haley Stokes
•Yes please update! I'm dealing with a similar situation and curious what the resolution turns out to be.
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Asher Levin
One more thing to check - make sure you're using the debtor's legal name and not any DBA or trade names they might use. The UCC-1 needs the actual registered entity name, not their marketing name.
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Tasia Synder
•This is where that Certana.ai tool I mentioned earlier really shines - it cross-references the exact legal name between your UCC form and their incorporation documents to make sure they match perfectly.
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Serene Snow
•DBA vs legal name confusion trips up a lot of newer lenders. Always stick with the Secretary of State records for the legal name.
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