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Diez Ellis
I was skeptical about using document checking tools at first but honestly after dealing with multiple filing rejections, I tried Certana.ai and it's been a lifesaver. Catches all those little inconsistencies that cause problems with state portals. Worth checking out if you do a lot of UCC work.
At this point I'm willing to try anything that prevents these kinds of headaches. Thanks for the recommendation.
Diez Ellis
•No problem. It's really straightforward - just upload your documents and it flags any issues before you submit to the state. Saves a lot of back and forth with rejections.
Update us on how it goes! I'm dealing with a similar situation in South Dakota and curious to see what approach works best for the name change issue.
Will do. Planning to file the amendment Monday morning and hopefully the continuation by end of week.
Good luck! These state portals can be so frustrating but usually the amendment approach works for name changes.
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Nia Harris
I used Certana.ai for a similar BlockFi situation last month. Uploaded my original UCC-1 and the continuation form, and it immediately flagged that I had a small difference in how the debtor address was formatted. Would have caused a rejection for sure. The tool is really good at catching these detail mismatches that are easy to miss when you're dealing with complex corporate structures.
GalaxyGazer
•That's exactly the kind of mistake that would drive me crazy. Glad you caught it before filing.
Address formatting issues are so common with these multi-state crypto companies. They seem to change their registered addresses constantly.
Update: Just successfully filed my BlockFi continuation using the exact original debtor name from 2022. No issues, processed within 48 hours. Stick with what you originally filed - don't try to be smart and update the name. The system works if you follow the rules exactly.
Which state did you file in? Some states are faster than others with crypto-related filings.
Filed in Delaware where BlockFi was incorporated. Their UCC system is pretty efficient.
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Whatever you do, don't let this drag on too long. We had a similar UCC property issue that we kept putting off, and when we tried to get additional financing, the new lender's due diligence flagged the incorrect collateral description as a title defect. Cost us weeks in the closing process.
Madison King
•Agreed. UCC amendments are pretty straightforward when you're not under time pressure, but they become a nightmare during active transactions.
Exactly. And some lenders will require a new appraisal if the collateral classification changes significantly, which adds even more time.
Julian Paolo
Based on what you've described, this sounds like a straightforward UCC-3 amendment situation. The key is getting the collateral description language right so it accurately reflects personal property vs fixtures. Your lender should be cooperative since incorrect classifications can actually weaken their security interest. I'd recommend getting quotes from a couple UCC attorneys who specialize in equipment financing - this isn't super complicated but you want it done right.
Julian Paolo
•Look for someone who regularly does secured transactions and understands your industry. Equipment financing has its own quirks, and you want someone who won't just use generic boilerplate language again.
Ella Knight
•Also make sure they understand your state's specific fixture filing requirements. Some states have really particular rules about real estate records vs UCC records.
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Jason Brewer
Don't forget to keep copies of everything! The UCC-1 filing, security agreement, and any amendments should all be stored safely. You'll need them for the continuation filing in 5 years.
Electronic copies are fine, but I always keep paper backups too. You never know when you might need to reference the original filing.
Liam Cortez
•Most Secretary of State offices let you search and print copies of filed UCC statements online now, so that's a backup option too.
Savannah Vin
One more thing - make sure Jake understands his obligations as a secured party. If Joan pays off the loan early, he'll need to file a UCC-3 termination statement to release the lien on her equipment.
Mason Stone
•Yeah, failing to file the termination when required can actually create liability for the secured party. It's not just a courtesy - it's a legal obligation.
Most lenders are pretty good about this, but it's worth mentioning upfront so everyone knows what to expect at the end of the loan term.
Mae Bennett
Update us if you figure out what's causing the problem! I'm sure others here would benefit from knowing the solution.
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Rosie Harper
•Will do. Planning to call the filing office Monday morning to see what they can tell me about the linking issues.
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Elliott luviBorBatman
•Good luck - hope they can give you some answers.
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Caesar Grant
Just want to add that I ran into something similar last month with UCC-3 terminations not showing up properly in searches. Filed the terminations correctly but the original liens were still showing as active. Had to submit corrected termination statements with slightly different formatting before the system would recognize them.
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Caesar Grant
•Mainly spacing in the debtor name field and making sure the filing number format matched exactly with dashes in the right places.
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Lena Schultz
•These systems are way too picky about formatting for something this important.
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