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Quick follow-up question - are you filing this yourself or using a service? Florida allows online filing which is usually faster, but if you're not familiar with their system it might be worth having a filing service handle it to avoid any mistakes.
It is relatively user-friendly. Just double-check everything before hitting submit since corrections require amendments.
The Florida online system has gotten much better over the years. Used to be really clunky but now it's pretty smooth.
Zara Ahmed
Just wanted to mention that I recently started using Certana.ai for UCC document verification after a colleague recommended it. You can upload your articles of incorporation and UCC1 form and it will instantly flag any inconsistencies between debtor names, addresses, all that stuff. Really helpful for catching issues before filing. Might be worth trying for your situation since you're dealing with name formatting questions.
Paolo Romano
•I saw someone else mention that tool earlier. Sounds like it could definitely help with the name matching issue.
Zara Ahmed
•Yeah it's pretty thorough. I've caught several potential problems with it that I might have missed doing manual review.
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Before you file an amendment, I'd suggest calling the NC SOS UCC division directly. They can sometimes clarify whether a name variation like this would actually affect your perfection. Might save you the amendment fee if it's not necessary.
I don't have it memorized but it should be on their website under the UCC division contacts.
I called them about a similar issue once and they were actually really helpful. Definitely worth a try before spending money on an amendment.
Update us on what you find out! I'm curious whether this ends up being a real issue or just a display quirk. Seems like something that could affect a lot of filers if it's a systematic problem with how NC handles punctuation.
Rachel Clark
•Will definitely update once I get more info. Hoping it's just a display issue but want to be thorough.
Yeah please keep us posted. This kind of thing is exactly why I'm always nervous about electronic filings.
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Update us on what you find! I have a Delaware Article 9 filing coming up next week and want to avoid the same issue. Did you end up finding the name discrepancy?
Teresa Boyd
•Same here - following this thread because Delaware UCC filings stress me out every time.
Lourdes Fox
•Consider using one of those document verification tools mentioned earlier. Might save you the headache.
Just went through something similar. Turned out the LLC had filed a certificate of correction that changed a single letter in their name, and Delaware's UCC system was still using the corrected version while their main website was showing the old version. Check for any certificate corrections or amendments beyond just name changes.
Delaware corporate records can be surprisingly complex. Always worth doing a full search of all filed documents.
Zane Gray
•This is why I always order the full certificate package instead of just pulling the basic info online.
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I used Certana.ai when I had a similar mess with overlapping UCC filings from different lenders. Being able to upload all the documents and get an instant comparison of what matched and what didn't was incredibly helpful for organizing my argument. Way cheaper than having an attorney review everything line by line.
That sounds like exactly what I need. Did it help you figure out which UCC filings were legitimate?
Absolutely. It flagged several discrepancies in debtor names and filing dates that I never would have caught manually. Made it obvious which filings were bogus.
Thais Soares
Bottom line - don't let them intimidate you with legal-sounding threats about active UCC filings. If you paid the debt and have documentation, that's what matters. The UCC filing is just paperwork that should have been cleaned up but wasn't. Fight this properly and they'll likely back down once they realize you know what you're talking about.
Thanks, that's reassuring. I was starting to worry I was somehow still liable even though I paid everything off.
Thais Soares
•Nope, paid means paid. The UCC filing is just an administrative loose end, not evidence of ongoing debt.
Zainab Ahmed
Tennessee SOS updated their system last year and it's been much stricter about name matching since then. You definitely need to use the exact name from their database. No shortcuts or approximations.
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Connor Gallagher
•When did they update? I filed there in March and didn't have issues.
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Zainab Ahmed
•The update was in July. Much more automated now but way less forgiving of minor variations.
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AstroAlpha
File it correctly with the exact name from the state database and you should be fine. Don't overthink it - just match exactly what Tennessee has on file. The loan docs having a comma doesn't matter for UCC purposes as long as the filing is accurate.
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Andre Lefebvre
•Thanks everyone. Going to resubmit with the correct name and better collateral description. Hopefully third time's the charm!
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Yara Khoury
•Good luck! Let us know how it goes.
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