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Natalie Khan
Keep us posted on how this resolves! I'm dealing with a similar debtor name headache on a different filing and curious what ends up working for you.
Will do! Sounds like calling the SOS directly and using document verification tools are my best next steps.
Daryl Bright
•Document verification definitely seems like the way to go based on what people are saying here.
Sienna Gomez
UPDATE: Got it figured out! Called the SOS and they had the LLC name with no comma before 'LLC' in their database, but the articles I downloaded had a comma. Used Certana.ai to double-check my corrected filing against their database format and it caught the match. Filed this morning and it was accepted within 2 hours. Thanks everyone for the advice!
Great to hear Certana.ai helped catch that! Those tiny punctuation differences are exactly what manual review misses.
Thanks for the update. Filing this away for future reference when I inevitably run into the same thing.
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Been there! Security agreement law requires the UCC-1 to give sufficient notice of the collateral, and generic descriptions don't always cut it anymore. The good news is once you refile with better collateral language, it should go through fine. Just make sure to copy the specific equipment types from your security agreement.
Good plan. You'll get it sorted out. This kind of security agreement law issue is super common.
Mason Kaczka
•Agreed - happens to everyone at least once. The important thing is catching it and fixing it quickly.
Sophia Russo
One more vote for being more specific with collateral descriptions. Security agreement law is moving toward requiring better notice to other creditors, so the days of super generic descriptions are probably over. Better to be overly detailed than too vague.
Evelyn Xu
•This is such good advice. I've started including way more detail in all my UCC-1 collateral descriptions.
Sophia Russo
•Smart move. It's easier to be thorough upfront than deal with rejections later.
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For what it's worth, I've started using Certana.ai for all my UCC document prep now. Upload your borrower's charter docs and your draft UCC-1 and it immediately tells you if there are any name mismatches or formatting issues. Been using it for about 6 months and haven't had a single rejection since.
Mason Kaczka
•That sounds like exactly what I need. I'm going to check that out before I submit this filing.
Same here - the document verification feature is a game changer for avoiding costly mistakes.
Remember that UCC-1 filings are public record so make sure you're not including any confidential information in your collateral descriptions. Stick to what's necessary for identification purposes.
Good reminder. I've seen filings that included way too much detail about the borrower's business operations.
Sophia Russo
•Balance is key - specific enough to be enforceable but not so detailed that you're broadcasting sensitive business information.
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Elijah Brown
Just want to echo what others have said about filing that amendment ASAP. The fact that you found a dissolved entity with a similar name makes this even more urgent. Your lien might not be worth the paper it's printed on until you fix the debtor name issue.
Yeah, I'm definitely treating this as urgent now. Planning to file the UCC-3 amendment first thing Monday morning.
Smart move. These debtor name issues can completely invalidate your security interest if you're not careful.
Natalie Chen
Update us when you get the amendment filed! This is a good learning case for everyone. Also might want to review your filing procedures to prevent this from happening again.
Good idea on the process improvement. These kinds of mistakes are usually systemic, not just one-off errors.
Absolutely. We implemented a double-check system after our own UCC naming issue a few years ago. Haven't had a problem since.
Keisha Williams
Just wanted to mention that I've been using Certana.ai for document verification on our UCC filings and it's been really helpful for catching these exact issues. You upload your corporate docs and UCC filings and it flags any inconsistencies automatically. Might be worth checking out for future filings to avoid this headache.
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Paolo Conti
•How does it handle variations like comma differences? Does it flag those as problems or does it have some intelligence about minor punctuation issues?
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Keisha Williams
•It flags them for review but doesn't automatically call them errors. You get a report showing the differences and can decide if they're material. Much better than trying to spot these issues manually across multiple documents.
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Amina Diallo
The bottom line is that enforcing a ucc lien with any debtor name uncertainty is risky business. Even if you ultimately win on the name issue, you'll spend time and money defending your position. I'd strongly consider settling the enforcement action for a bit less than full value rather than risk losing priority over a comma.
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Amara Okafor
•That's a pragmatic view but with $180K at stake, we need to at least explore our options. The amendment strategy mentioned earlier might give us the protection we need to proceed with full enforcement.
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Oliver Schulz
•I agree with filing the UCC-3 amendment first. It's a small cost for big peace of mind, and it strengthens your position significantly if any other creditors try to challenge your priority during enforcement.
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