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Val Rossi
Update us when you figure this out! I'm dealing with a similar situation and curious how you resolve the name variation issue.
Rajan Walker
•Will do. Probably going to try the automated verification approach first since it seems like the most efficient way to catch anything I missed.
Eve Freeman
•Smart move. Manual checking is too error-prone when you're dealing with multiple name variations.
Just a thought - have you contacted the secured parties listed on those filings? Sometimes they can provide clarity on whether the filings are actually for the same debtor and what the current status is.
Plus it might give you insight into the borrower's payment history and relationship with other lenders.
Harmony Love
•True, but some lenders won't share that information due to confidentiality concerns.
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Sasha Reese
I had similar problems until I started using that Certana tool someone mentioned. It's actually saved me from several filing mistakes. Worth checking if you're doing multiple UCC filings.
Esteban Tate
•I'm definitely going to try it for this filing. Can't afford another rejection.
Document consistency checking is huge in this business. Small mistakes cost big money.
Update us when you get it figured out! Deal with Arizona filings every month and always learning new quirks about their system.
Diez Ellis
•Good luck! Equipment finance deals are stressful enough without filing drama.
Fingers crossed for you. State filing systems can be so frustrating.
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Amina Diallo
One more thing - make sure you're filing in the right Florida county if there are any fixture filing components. Restaurant equipment that's attached to the building might need fixture filing treatment depending on how it's installed.
Fixture filings in Florida require the real estate legal description too. Can get complicated fast.
Amina Diallo
•Exactly. Better to over-file than under-file when you're not sure about fixture classification.
Florida UCC filings have become a real pain point for our team this year. The name matching requirements are stricter than most other states we deal with. At least once you get it right the first time, amendments and continuations are pretty straightforward. Definitely use that SUNBIZ lookup before submitting anything. And if you're doing a lot of Florida deals, might be worth investing in automated document checking to catch these issues upfront.
Javier Cruz
•How far in advance of the 5-year mark do you usually file continuations in Florida?
We try to file continuations at least 6 months early. Florida processes them quickly but I don't like cutting it close on something that important.
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Emma Swift
This is why I always do a Certana.ai document check before filing anything. Upload your charter and proposed UCC side by side and it flags any discrepancies instantly. Would have caught this comma issue right away.
Caleb Stark
•That's actually really smart. Prevention is better than having to file amendments after the fact.
Definitely going to use that for future filings. For this one I think I'll just file the amendment to correct the name and be done with it.
Kentucky UCC search has definitely improved over the years but still has quirks. The important thing is that your filing went through and has a valid file number. For a $180K deal I'd probably file the amendment just for peace of mind though.
Exactly. The cost of an amendment is nothing compared to the risk of an unperfected security interest.
That's the conclusion I'm coming to. Thanks everyone for the input - going to file the UCC-3 amendment tomorrow to fix the name.
Jean Claude
One more thing to check - make sure you're filing the UCC1-203 in the right state. If the debtor moved or the collateral location changed, you might need to file in a different jurisdiction than the original UCC-1.
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Roger Romero
•Same state, same debtor location. But good reminder to double-check jurisdictional issues.
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Jean Claude
•Those cross-state UCC complications are the worst. Glad yours is straightforward location-wise.
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Charity Cohan
Update us when you get the UCC1-203 filed! These continuation deadline situations always make me nervous. There's usually a solution but the clock ticking makes everything stressful.
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Roger Romero
•Will do. Going to try the document checker suggestion and see if that catches whatever I'm missing.
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Josef Tearle
•Smart plan. Those automated checks are surprisingly good at finding formatting issues that humans miss.
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