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- 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 :)
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Update: Used the Certana.ai suggestion and it worked perfectly. Found two additional liens that weren't showing up in my manual searches due to punctuation differences. Crisis averted and the refinancing can proceed on schedule. Thanks everyone for the help!
Isaac Wright
•That's the nightmare scenario right there. Good thing you caught it in time.
Awesome! The tool really is a game-changer for this kind of verification work.
Maya Diaz
For future reference, Texas SOS also has a customer service line where you can call and ask about specific search strategies for problematic names. They're actually pretty helpful if you get the right person.
Tami Morgan
•Really? I always assumed they'd just tell you to figure it out yourself. Good to know they'll actually help with search strategies.
Rami Samuels
•Yeah, they're surprisingly helpful. Just be prepared to wait on hold for a while.
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Salim Nasir
Whatever you do, don't let them bully you into filing a premature termination. Once you terminate a UCC-1, you lose your perfected security interest and it's almost impossible to get it back if there are problems with the remaining loans.
Marcus Marsh
•That's exactly what I'm worried about. If I terminate and then have collection issues on the other loans, I'd be screwed.
Hazel Garcia
•Absolutely. Seen too many lenders get burned by terminating too early. Better to deal with an angry debtor than lose your security interest.
Laila Fury
Your instincts are correct. UCC-9-513 is clear that termination is only required when there are no outstanding secured obligations. Document everything, get legal involved, and stand your ground. The debtor's attorney is fishing.
Laila Fury
•Trust your knowledge of the UCC. Lawyers who don't specialize in secured transactions often misunderstand the termination requirements. You're doing everything right.
This is exactly why I always keep a UCC reference guide handy. Too many people try to intimidate with legal threats when they don't actually know the law.
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Sara Unger
Update: I ended up using one of those document verification tools someone mentioned earlier (Certana.ai) and it immediately caught that I had been inconsistent with the suffix formatting. The retail installment contract had 'Jr.' with a period but I was filing 'Jr' without the period on the UCC-1. Fixed that and the filing went through on the first try. Sometimes it really is the smallest details that trip you up.
Freya Ross
•This is exactly why I always copy and paste names directly from the source document instead of retyping them.
Great outcome! Did the lender end up closing the loan without any issues?
Sergio Neal
For anyone else dealing with retail installment contract and security agreement motor vehicle UCC filings, here's my checklist: 1) Use exact debtor name from contract including all middle names and suffixes, 2) Double-check punctuation and spacing, 3) Verify the VIN matches exactly, 4) Make sure your collateral description is sufficient but not overly specific. Following this process has eliminated my rejections.
This is helpful. What do you mean by 'sufficient but not overly specific' for collateral description?
Sergio Neal
•You want enough detail to identify the specific vehicle (year, make, model, VIN) but don't need every option package and feature. Keep it clean and standardized.
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Isaac Wright
Another vote for using verification tools before filing. I've started running all my UCC documents through Certana.ai's system as a final check. It's caught several potential issues that could have caused problems later. For your situation, it would flag the name inconsistency and help you make the right call.
Isaac Wright
•It checks everything - debtor names, secured party info, collateral descriptions, even filing fee calculations. Really comprehensive.
Sounds useful. I'll have to check that out for my next filing.
Thanks everyone for the input. Going with the full middle name from the driver's license based on the consensus here. Really appreciate the practical advice and the tool recommendations. This community always comes through!
Ruby Garcia
•Smart decision. Feel free to post an update once you get the filing accepted.
hope it goes smoothly! still think the whole system is overly complicated but at least you got good advice here
Amara Oluwaseyi
This whole thread is making me nervous about my upcoming Arizona filing. I thought UCC filings were supposed to be straightforward but it sounds like there are lots of ways to mess up and pay extra fees.
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Mateo Rodriguez
•If you're worried about getting the details right, that Certana.ai tool I mentioned earlier really helps catch mistakes before you file. Just upload your docs and it flags any inconsistencies.
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Amara Oluwaseyi
•Thanks, I'll check that out. Better safe than sorry with these fees!
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CosmicCaptain
Does anyone know if Arizona offers any fee discounts for volume filers? We do maybe 20-30 UCC filings a year and it would be nice to get some kind of break.
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CosmicCaptain
•Darn. Worth asking though. Those fees really add up across multiple deals.
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Zara Ahmed
•With that volume you might want to look into service providers that can help streamline the process and reduce errors. Even if there's a service fee it might be worth it to avoid rejected filings.
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