UCC Document Community

Ask the community...

  • 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 :)

Diego Flores

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This thread is making me paranoid about my own filings now lol. I never thought to double-check the search results after filing. Probably should start doing that as standard practice.

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It's definitely good practice! I always do a test search within a few days of filing to make sure everything looks right in the system.

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Javier Gomez

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Same here - and honestly that's another reason I like the Certana tool. Takes the manual checking out of the equation and just tells you if there are any red flags.

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Update us after you check the Articles of Organization! I'm invested in this outcome now and want to know if the comma was actually wrong or if it's just a display quirk in the search system.

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Oliver Weber

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Will do! Planning to pull the SOS records this afternoon and report back. Fingers crossed it's just a minor formatting difference that doesn't matter.

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Ravi Kapoor

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Looking forward to the update - these name matching scenarios are always educational for everyone.

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UCC-1 financing statement florida amendment rejected twice - debtor name issues

Really need some guidance here. I'm dealing with a UCC-1 financing statement florida situation that's been giving me headaches for weeks. Filed an initial UCC-1 back in March for equipment financing on a construction company, everything went through fine. Now I'm trying to file a UCC-3 amendment to add additional collateral (some new excavators they purchased) and the Florida SOS keeps rejecting it. The rejection notice says 'debtor name does not exactly match original filing' but I'm looking at both documents and the names look identical to me. Original debtor name is 'Advanced Construction Solutions LLC' and that's exactly what I put on the amendment. Has anyone dealt with this kind of UCC-1 financing statement florida amendment problem before? The lender is getting antsy because we're approaching some covenant deadlines and this amendment needs to be perfected. I've called the Florida SOS office twice and got two different explanations - one person said it might be a spacing issue, another said it could be punctuation. I'm wondering if there's some hidden character or formatting issue I'm missing. The original UCC-1 was filed electronically through their portal, amendment was also electronic. Both show 'Advanced Construction Solutions LLC' exactly the same way. Any ideas what could be causing this mismatch? Really don't want to have to refile the entire UCC-1 just because of a name formatting quirk.

GalaxyGlider

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One more thing to try - if you have Adobe Acrobat Pro, you can use the 'compare documents' feature to look at your original UCC-1 filing and your amendment side by side. It'll highlight any differences even if they're not visible to the naked eye. I've found discrepancies that way before.

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Mei Wong

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Don't have Adobe Pro but this is a good idea. Are there any free alternatives that do document comparison?

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Liam Sullivan

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You can try online PDF comparison tools but they're not always as accurate as Adobe. For something this important I'd probably spring for the real thing.

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Amara Okafor

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Just wanted to follow up and say I finally got it resolved! It was exactly what several people suggested - there was a comma after 'Solutions' in the original filing that I missed. 'Advanced Construction Solutions, LLC' vs 'Advanced Construction Solutions LLC'. Such a tiny difference but it was causing all the rejections. Used the copy/paste method from the original filing receipt and the amendment went through on the first try. Thanks everyone for the help, this forum is a lifesaver for UCC issues.

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Amara Okafor

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Just one business day. Florida is actually pretty fast once you get the filing details correct.

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StarStrider

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This whole thread should be pinned somewhere. The name matching issues come up constantly with UCC filings.

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Kaylee Cook

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This whole thread is giving me anxiety about our own UCC filings lol. We have a bunch of equipment loans from different years and now I'm worried we might have similar issues with the continuation statements.

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Better to check now than find out during a refinance or audit. UCC filing errors can kill deals fast.

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Gavin King

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Definitely worth doing a comprehensive UCC audit annually, especially if you have multiple lenders or have gone through any business changes.

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Update - I tried that Certana.ai document checker and holy crap it found the problem immediately. Two of the UCC-3 amendments had the debtor name spelled slightly different from the original UCC-1s so they weren't connecting in the search system. Now I know exactly which corrective amendments I need to file. Thanks everyone for the help!

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Wait, you're not the original poster... are you having the same issue?

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Oops sorry, different person but same exact problem with Texas UCC searches. This thread convinced me to check our filings and sure enough, found similar issues.

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Nia Jackson

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Why is UCC filing so complicated?? It's just paperwork but somehow there are a million ways to screw it up.

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Because it's a legal framework that affects millions of dollars in secured transactions. Small mistakes can void entire security interests.

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Nia Jackson

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I guess that makes sense but it's still frustrating when you're trying to close a deal.

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NebulaNova

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UPDATE: Filed the UCC-3 amendment this morning to correct the debtor name with the comma. Used Certana.ai to double-check everything first and it caught two other minor inconsistencies I hadn't noticed. Should have the corrected filing processed by Thursday, then we can finalize the subordination agreement. Thanks everyone for the advice!

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Glad the document checker worked out for you. It's a lifesaver for these complex filings.

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Great to hear you got it sorted out. These name issues are such a pain but at least you caught it before it became a bigger problem.

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Josef Tearle

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This situation is exactly why I started using automated document verification. Upload your search results and loan docs to Certana.ai and it'll flag any inconsistencies between what you're seeing in Oregon's system and what should be reflected based on the actual filing documents.

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Josef Tearle

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Yeah, it cross-references the actual document content against search result displays. Really helpful for catching these kinds of database display issues.

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Jabari-Jo

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That sounds useful for this situation. I'll check it out while waiting for clarification from Oregon SOS.

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Quinn Herbert

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Been there! Oregon's search results can lag behind actual filings by several days. If you need immediate confirmation, request certified copies of both the original UCC-1 and the UCC-3 termination.

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Quinn Herbert

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Usually 3-5 business days if you request them online. Faster if you call but good luck getting through.

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Salim Nasir

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Pro tip: Oregon processes online requests faster than phone requests, despite what their website says.

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