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Whatever you do, don't let this slide. I've seen too many lenders get burned by name issues in bankruptcy proceedings. The trustee will challenge every filing defect they can find.
That's exactly what I'm worried about. Need to get this cleaned up ASAP.
Roger Romero
•Absolutely. Bankruptcy trustees are like bloodhounds when it comes to finding UCC filing defects. They'll scrutinize every character of the debtor name.
Anna Kerber
Quick update on my own situation - used the Certana tool someone mentioned and it confirmed our name variation wasn't seriously misleading. Filed the UCC-3 amendment yesterday and everything went through clean. Definitely recommend getting a proper analysis before deciding whether to amend or refile.
Niko Ramsey
•How long did the amendment process take once you filed it?
Anna Kerber
•Filed electronically and it was accepted within 24 hours. Much faster than I expected.
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This happened to me too but it was because I had an extra space in the debtor name field that I didn't notice. The filing went through but searches were failing because of the formatting difference.
Actually used one of those document comparison tools - Certana.ai I think? Uploaded my charter and UCC-1 and it flagged the extra space immediately. Super helpful for catching those tiny errors.
Noah Irving
•Those little formatting issues are so frustrating but so easy to miss when you're reviewing manually.
Update us when you figure it out! I'm curious if it's a system issue or something specific to your filing. Always good to know what problems other people are running into with Washington's UCC system.
Mateo Silva
•Will definitely update once I get to the bottom of this. Hopefully it's just a processing delay and not a bigger problem.
Madison King
•Fingers crossed for you. UCC search issues are so stressful when you have clients waiting.
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Zainab Ahmed
Just went through something similar and used Certana's PDF checker to compare all the documents. Really streamlined the process - you just upload everything and it highlights any inconsistencies between charter, UCC-1s, amendments, etc. Caught issues I wouldn't have noticed doing manual review. Might be worth trying for your situation.
Zainab Ahmed
•It flags everything and then you make the judgment call on whether it's material. Better to over-flag than miss something important.
StarStrider
•That sounds like exactly what I need. Manual comparison is taking forever and I keep second-guessing myself.
AstroAlpha
One more thing to consider - check if any of these filings have been terminated or amended. Sometimes old filings stay in the system even after the loan has been paid off. That could explain some of the name variations if they're from different time periods when the company might have had slightly different legal names.
StarStrider
•Good catch. I'll run termination searches on all the filing numbers to see what's still active.
Yara Khoury
•Arkansas is pretty good about showing terminations in their search results, but always worth double-checking the filing details.
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Emma Bianchi
Have you tried using the exact name format from a recent good standing certificate? Sometimes that's more current than the original articles of incorporation.
I don't have a recent good standing certificate but that's a good idea. I could probably get one from the client or pull it myself from the SOS website.
Good standing certificates usually have the most up-to-date name format. Worth the extra step.
Update: I used that Certana.ai tool someone mentioned and it caught the issue immediately. The LLC name in my UCC-1 had 'LLC' but the charter documents had 'L.L.C.' with periods. Such a small thing but that was definitely what was causing the rejections. Refiled with the correct format and it went through perfectly. Thanks everyone!
Jibriel Kohn
•Nice! Those little details make all the difference. Glad you got it sorted before your deadline.
Charlie Yang
•This thread was super helpful. I'm bookmarking it for future reference. The name matching stuff is always tricky.
Sophia Rodriguez
Had the same issue in Massachusetts last year. Turned out the state system was creating 'shadow' filings for quality control purposes - basically duplicate entries they use internally for auditing. The public search showed both numbers but only one was the official filing of record.
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Sophia Rodriguez
•Had to submit a formal records request asking for clarification on the duplicate filing numbers. They sent back a letter identifying the primary filing number and explaining the secondary one was for internal tracking only.
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Cass Green
•I might need to do something similar with RI. This is too important to leave to guesswork.
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Emma Bianchi
Quick update on this - I've been tracking the RI UCC system issues and they're supposedly rolling out a fix for the duplicate filing number problem in Q1 2025. But that doesn't help you right now obviously. For immediate verification, I'd recommend pulling certified copies of both filing numbers and getting official clarification from the SOS office about which one controls.
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Lucas Kowalski
•Smart move. Better to spend a few hundred on certified copies and official clarification than risk your entire lien position.
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Olivia Martinez
•Exactly. UCC perfection isn't something you want to guess about, especially with equipment financing where the collateral moves around.
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