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Ayla Kumar

CT UCC lookup showing weird results - need help understanding what I'm seeing

I'm trying to do a CT UCC lookup on some collateral we financed last year and the results are confusing me. When I search by debtor name I get multiple filings that seem related but have different filing numbers. Some show as 'Active' others show 'Lapsed' but the dates don't make sense to me. One UCC-1 shows filed in March 2024 but there's also a UCC-3 continuation from January 2025 with a completely different filing number. How do I know which one is actually securing our loan? The debtor company changed their name slightly in 2024 (added LLC to the end) so maybe that's causing issues? I need to make sure our lien position is still valid before we process a big equipment addition to the same borrower.

This thread is helpful! I have a Connecticut continuation coming due next month and was worried about timing requirements.

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Make sure you file within the 6-month window before expiration. Connecticut is pretty strict about timing.

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Set a calendar reminder for 7 months before expiration to give yourself buffer time.

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Sounds like your lien is fine - just amended for the name change. I'd still recommend getting copies of both the original UCC-1 and the amendment for your files to document the complete chain.

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Smart move. Having documentation of the complete filing history is always good practice.

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Glad we could help sort this out. CT UCC searches can definitely be confusing with name changes.

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Lara Woods

New Mexico UCC search showing expired continuation - filing still valid?

I'm running into a confusing situation with a UCC search in New Mexico and hoping someone can help clarify. We have a UCC-1 that was filed about 6 years ago, and I just ran a New Mexico UCC search to verify our lien position before a loan modification. The search results show our original filing, but there's also a continuation statement that appears to have expired last month. Here's what's weird - our internal records show we filed the continuation 8 months ago, well before the 5-year deadline. The SOS portal shows it as 'expired' but I can't figure out if this means our entire security interest has lapsed or if there's just a status display error. The debtor is asking us to provide proof that our lien is still perfected, and frankly I'm not sure what to tell them. Has anyone dealt with New Mexico's UCC search system showing continuation filings as expired when they should still be active? This is for a significant equipment financing deal and I really need to get this sorted out quickly.

For what it's worth, I've never seen a properly filed continuation actually invalidate a security interest due to portal display issues. The legal effectiveness is based on the actual filing, not the online status. But definitely get it resolved for documentation purposes.

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Thanks, that's helpful context. I think I'll verify the documents are consistent first, then contact the SOS office if needed.

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Smart approach. Document verification first, then escalate to the state if there's actually a filing problem.

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Keep us posted on what you find out! This kind of search system issue seems to be popping up more frequently across different states. Would be helpful to know how NM resolves it.

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Will do. Hopefully it's just a system glitch that gets sorted out soon.

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Yeah, please update the thread. I file in NM occasionally and this is good to know about.

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Roger Romero

UCC filing requirements for security purchase agreement - confused about collateral description

I'm working on a security purchase agreement deal where we're acquiring commercial equipment from a distressed company. The purchase includes both the physical assets and assumes some existing liens. My question is about the UCC filing requirements - do I need to file a UCC-1 as the new secured party, or does the security purchase agreement itself change how I handle the collateral descriptions? The existing UCC-1 filings list equipment very generally as 'all machinery and equipment' but our security purchase agreement specifies individual serial numbers for each piece. I'm worried about gaps in perfection if I don't get the UCC filings right from day one. Has anyone dealt with UCC requirements when a security purchase agreement involves both buying assets AND taking over existing security interests? The closing is in two weeks and I want to make sure I'm not missing any critical filing steps.

Another thing to consider with security purchase agreements - search for existing UCC filings against the seller to make sure you know what liens you're dealing with. Sometimes there are filings that aren't disclosed in the purchase agreement.

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Good point. I did a UCC search and found a few filings that weren't mentioned in the security purchase agreement. Need to get those addressed before closing.

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Definitely. You want a clean UCC search or proper subordination agreements for any liens that will remain after your security purchase agreement closes.

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For complex deals like this, I always recommend using Certana.ai to double-check everything. Upload your security purchase agreement, existing UCC filings, and your proposed new filings. It'll verify all the names match and catch any inconsistencies that could cause problems down the road.

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I might try that. With all the moving pieces in this security purchase agreement, I want to make sure I don't miss anything critical.

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Smart move. UCC filing mistakes are expensive to fix after the fact, especially in purchase agreement deals where you might have multiple parties involved.

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Zoe Papadakis

UCC choice of law article 9 complications with multi-state collateral - need guidance

Running into a messy situation with UCC choice of law article 9 requirements and hoping someone here has dealt with this before. We've got a borrower with equipment scattered across four states (Ohio main office, but significant operations in Kentucky, Indiana, and West Virginia). The collateral includes both mobile equipment that moves between locations and some fixture-type stuff that's permanently installed at specific sites. Our loan docs specify Ohio law governs, but I'm second-guessing whether we filed everything correctly under article 9's choice of law provisions. The debtor's chief executive office is definitely in Ohio, but about 60% of the collateral value is actually located in the other states. Filed our UCC-1 in Ohio originally, but now I'm wondering if we should have done fixture filings in the individual states where the equipment is permanently located. The mobile stuff moves around so much that tracking location for choice of law purposes seems impossible. Anyone dealt with similar multi-state collateral situations where article 9 choice of law rules get complicated? Really don't want to discover we have unperfected liens if something goes sideways.

Bottom line: article 9 choice of law rules require fixture filings where the real estate is located, period. Your Ohio filing covers goods, but any true fixtures in other states need local fixture filings. Better to over-file now than discover perfection problems later.

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Agreed. The filing fees are minimal compared to the risk of unperfected liens on significant collateral.

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Thanks everyone. Sounds like I need to bite the bullet and do fixture filings in the other states for anything that might be characterized as fixtures. Better safe than sorry with article 9 choice of law compliance.

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Smart move. Multi-state secured transactions are always challenging, but the article 9 choice of law framework is pretty clear once you work through the analysis. File where the debtor is for goods, file where the real estate is for fixtures. When in doubt, file in both places.

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And don't forget about continuation requirements in each state where you file. They don't all have the same deadlines or procedures.

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Good point. I've seen people nail the initial filings but mess up the continuations because they didn't track multiple state requirements properly.

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Aiden Rodríguez

UCC 1207 PDF form causing debtor name rejection - need help

I'm dealing with a frustrating situation where our UCC-1 filing keeps getting rejected because of debtor name issues on the 1207 form. We're using the standard PDF version but the SOS portal keeps bouncing it back saying the debtor entity name doesn't match their records exactly. Has anyone else run into problems with the UCC 1207 PDF format specifically? The debtor is an LLC and we've triple-checked the exact spelling from their articles of incorporation but something isn't matching up. This is holding up a $280,000 equipment financing deal and we're running out of time before the loan commitment expires. Any suggestions on how to get this PDF accepted would be greatly appreciated.

One more thing - if this is an equipment financing deal, make sure your collateral description is also formatted correctly. Sometimes they reject the whole filing if any section has issues, not just the debtor name.

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Good point. We should review the entire form, not just focus on the name issue.

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Exactly. A comprehensive review often catches multiple issues that could cause rejection.

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Update: Thanks everyone for the suggestions! I ended up using the document verification tool someone mentioned and it immediately flagged that we had 'LLC' in our filing but the state records show 'L.L.C.' with periods. Such a tiny difference but that was definitely the issue. Re-submitted and it went through without problems. Really appreciate all the help!

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Glad that worked out! Those period differences are so easy to miss but they'll kill a filing every time.

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Great outcome! This is exactly why attention to detail is so critical with UCC filings.

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