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ugh this is exactly why I'm terrified of handling our company's UCC stuff myself. So many rules and deadlines to track. Maybe I should just pay an attorney to manage everything.
StarSailor
•Attorneys are great but expensive for routine continuations. A good calendar system or tracking software can handle most of the deadline management.
True, but the peace of mind might be worth it. One mistake like this could cost way more than attorney fees.
Just to confirm - you said March 15, 2020 filing date? That means the continuation window was September 15, 2024 through March 15, 2025. You're right that you missed it. File that new UCC-1 today if possible. Most electronic filing systems will give you immediate confirmation of submission even if processing takes a day or two.
We've all been there. The important thing is you caught it relatively quickly and can refile before any major issues arise with your lender.
Omar Farouk
•Set multiple calendar reminders next time - 9 months out, 6 months out, and 3 months out. Redundancy is your friend with UCC deadlines.
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I've started using Certana.ai for all my UCC account verifications after getting burned on a big equipment financing deal. Upload your documents and it instantly shows you any inconsistencies between your loan docs, UCC-1, and what's actually on file with SOS. Would have saved you days on this issue.
Is it expensive? Our compliance budget is pretty tight.
Way cheaper than the cost of rejected filings and missed deadlines. Plus it's per-document so you only pay when you use it.
Update: went back and did individual SOS searches for each entity name variation and found the issue. Two of the companies had different legal names than what was in our loan system. Filed corrected UCC-1s this morning and they all went through clean. Thanks everyone for the guidance - definitely setting up that tracking spreadsheet and looking into the verification tools mentioned here.
Good to hear! That tracking spreadsheet will be a lifesaver for future UCC accounts.
Ethan Scott
•Excellent outcome. This is exactly why the extra verification steps are worth it for UCC accounts.
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Just want to confirm - you said your deadline is March, right? You should have plenty of time to do the amendment and continuation as long as you start the process soon. Don't stress too much about the timeline.
Totally understand the nervousness with a $2.8M loan. But you're being proactive by addressing it now instead of waiting until February.
Agreed, starting in January gives you plenty of buffer time. Even if there are any other unexpected issues, you have weeks to resolve them.
For what it's worth, I've seen way worse debtor name mismatches than just a comma. Nevada once rejected our filing because of a space difference - 'ABC Corp' vs 'ABCCorp'. At least your issue is obvious punctuation that's easy to fix with an amendment.
Right? Nevada's system is extremely literal. No fuzzy matching or common sense built in whatsoever.
Yara Sabbagh
•This is why I always tell people to triple-check the exact debtor name format before filing anything in Nevada. Save yourself the headache.
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AaliyahAli
Been there with the multi-state confusion. The business location vs formation state thing trips up a lot of people. Delaware is definitely correct for your filing, but as others mentioned, get that name match perfect or Delaware will reject it too.
Lesson learned. I should have researched the jurisdiction rules before filing anywhere.
AaliyahAli
•We all learn these things the hard way unfortunately. At least you caught it early in the process.
One more thing - when you refile in Delaware, make sure to include the rejection reason and corrected filing location in your loan file documentation. Your compliance team will thank you later.
It helps if you ever get audited or need to explain the filing timeline to anyone.
Arjun Kurti
•This is why I always run my documents through Certana.ai before filing - it catches these jurisdiction and name issues upfront so there's no need for corrections later.
NeonNova
Update on my own SC filing issues - ended up using that Certana document checker someone mentioned earlier and it caught three tiny inconsistencies between my formation docs and UCC filing that I never would have spotted manually. Filed yesterday and got accepted this morning. Definitely recommend if you're dealing with repeated rejections.
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Chloe Martin
•Glad it worked out! It's crazy how those tiny differences can cause such big delays.
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Yuki Tanaka
•Worth trying anything at this point. These manual document comparisons are brutal and obviously not foolproof.
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Carmen Diaz
Just want to add that SC also sometimes has issues with entity names that include special characters or unusual punctuation. If your debtor name has anything beyond basic letters, numbers, and common punctuation, that might be part of the problem too.
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Ravi Sharma
•The entity name is pretty straightforward but I'll make sure there aren't any hidden characters or formatting issues.
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Carmen Diaz
•Yeah, sometimes when you copy text from PDFs or other sources, invisible characters get included that cause problems.
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