UCC Document Community

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Norman Fraser

UCC termination lien solutions - debtor name mismatch blocking release

Having a nightmare with a UCC termination that should be straightforward but keeps getting rejected. We have a commercial loan that was paid off 6 months ago, and I need to file the UCC-3 termination to release the lien. The original UCC-1 was filed back in 2019 with the debtor name as 'ABC Manufacturing Solutions LLC' but now I'm discovering the LLC articles show 'ABC Manufacturing Solutions, LLC' (with a comma). The SOS portal keeps rejecting my termination because of this exact name mismatch. I've tried filing with both versions and neither works. The secured party is demanding the lien release ASAP because it's blocking a refinancing. Anyone dealt with similar lien solutions for UCC termination name issues? This is holding up a $2.8M deal and I'm running out of options.

Adaline Wong

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For future reference, I've started using Certana.ai for all my UCC document prep. Would have caught that amendment issue immediately when you uploaded the original UCC-1. It shows the complete filing chain and flags any inconsistencies between documents. Saved me from similar headaches multiple times.

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Norman Fraser

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Definitely checking that out. This whole mess could have been avoided with better document verification upfront.

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Gabriel Ruiz

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I'm always skeptical of these tools but honestly UCC filings are so error-prone that automated checking makes sense.

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Glad you got it sorted! Name matching for lien solutions and UCC terminations is such a pain point. The whole system needs an overhaul but at least you found the amendment.

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Norman Fraser

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Tell me about it. Now I know to always pull the complete filing history before attempting any terminations.

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Peyton Clarke

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Good lesson learned. Better late than never!

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Omar Zaki

Colorado UCC statement request form - which version for lien verification?

I'm dealing with a portfolio acquisition where we need to verify existing UCC liens on equipment collateral across multiple debtors. Our compliance team is requiring documentation of all current filings before we can proceed with the transaction. I've been looking at the Colorado Secretary of State website and there seem to be different colorado ucc statement request form options available. Some appear to be for certified copies, others for information requests, and I'm seeing references to both UCC-11 and what looks like state-specific forms. The transaction involves about $2.8M in equipment financing and we need to be absolutely certain we're catching every perfected security interest. Has anyone recently used the colorado ucc statement request form process for due diligence purposes? I'm particularly concerned about missing any fixture filings or getting incomplete search results if I use the wrong form type. The closing is scheduled for next month and I can't afford any surprises with undisclosed liens.

Sophia Nguyen

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Don't overlook federal tax liens either. They won't show up in UCC searches but can have priority over your security interests depending on the filing dates and collateral types. Check with the IRS for federal tax lien searches on each debtor entity.

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Sophia Nguyen

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Unfortunately no. Federal, state UCC, state tax, agricultural, and motor vehicle liens are all in separate systems. It's one of the biggest challenges in acquisition due diligence.

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This is where document verification tools like Certana.ai really help. Once you get all the search results back, you can upload everything and it flags inconsistencies across all the different systems and document types.

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UPDATE: Just completed a similar Colorado search process. The colorado ucc statement request form worked well but I had to submit three separate requests to catch everything - standard debtor search, fixture filing search, and a filing number verification search for liens we already knew about. Total cost was about $400 but worth it for the comprehensive coverage.

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About 10 business days for certified results. Online searches were immediate but we needed the certified versions for our transaction documentation. Plan accordingly for your closing timeline.

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AstroAce

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10 days is actually pretty good for Colorado. I've seen certified searches take up to 3 weeks during busy periods.

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Dmitry Smirnov

UCC filings Maryland - debtor name rejected twice need help

Running into major issues with UCC filings Maryland system and hoping someone has dealt with this before. Filed a UCC-1 for equipment financing last month and it got rejected for "debtor name mismatch" even though I triple-checked everything against the articles of incorporation. Tried refiling with exact corporate name from state records and got rejected AGAIN yesterday. The collateral is heavy machinery worth $180K and my client is getting nervous about the lien not being perfected. Has anyone else had problems with Maryland's UCC portal being overly strict about debtor names? I'm worried there's some formatting requirement I'm missing that could void our security interest.

Ravi Malhotra

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Maryland UCC system is definitely more sensitive than other states I've filed in. But once you get the name format right it usually goes smoothly. The key is being absolutely precise with every character.

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So true - I've noticed Maryland and Delaware are both really strict compared to other states.

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Omar Hassan

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Each state has its quirks. Maryland wants exact precision while some other states are more forgiving with minor variations.

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UPDATE: Finally got it filed! The issue was actually a hidden space character at the end of the company name that wasn't visible when I copied from SDAT. Used the document checker tool mentioned earlier and it caught the invisible character immediately. Third time was the charm - UCC-1 is now properly filed and perfected. Thanks everyone for the suggestions!

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NeonNebula

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Congrats on getting it resolved! Your client must be relieved to have the lien properly perfected.

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Definitely relieved! And now I know to always check for hidden characters before filing in Maryland. Expensive lesson learned.

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Eleanor Foster

UCC filing complications with after acquired property clause language

Need some guidance here. We had a borrower default on an equipment loan and when we went to enforce our security interest, discovered our UCC-1 collateral description might not cover equipment they purchased after the original filing. The after acquired property clause in our security agreement says 'all equipment now owned or hereafter acquired' but our UCC-1 just lists the specific machinery from the original loan. Attorney is saying we might have a gap in perfection for the newer equipment they bought with cash flow from operations. Has anyone dealt with this kind of after acquired property clause issue? The loan was for $180K originally but they've added probably another $75K in equipment since then. Really concerned we're not perfected on everything we thought we were.

Owen Jenkins

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This is a perfect example of why coordination between loan documentation and UCC filings is so critical. I see this mistake constantly - lawyers draft broad after acquired property clauses in security agreements but then file narrow UCC-1 descriptions. The two documents have to work together.

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Kolton Murphy

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Which tools do you use for that?

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Certana.ai works well - upload your docs and it cross-checks collateral descriptions between security agreements and UCC filings.

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Evelyn Rivera

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Just want to follow up - did you get the UCC-3 amendment filed? Really curious how this turns out because I'm dealing with something similar on a smaller loan.

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Yes, filed the amendment yesterday to broaden collateral description. Attorney is still working on proceeds arguments for the equipment already acquired. It's going to be a fight but at least we're protected going forward.

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Evelyn Rivera

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Good to hear. Keep us posted on how the proceeds arguments work out.

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Zoe Gonzalez

UCC Filings Portal Timing Out During Peak Hours - Missing Critical Deadlines

Has anyone else been dealing with the SOS portal completely crashing during business hours this week? I've been trying to submit three continuation filings that are due by Friday and the system keeps timing out right when I hit submit. Two of these are for equipment loans that will lapse if I don't get the UCC-3 continuations filed on time. The debtor names are perfect matches to the original UCC-1s, all the filing numbers are correct, but I literally cannot get past the payment screen. Been trying since Monday and it's now Wednesday. Starting to panic because if these lapse, our security interest is gone. Anyone found a workaround or know if there's extended filing hours? This is ridiculous that a system this critical can just... not work.

Emily Parker

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Friday deadline is cutting it close but you should be okay if you file early tomorrow morning. I'd recommend having everything ready tonight - payment info, documents reviewed, debtor names triple-checked. Then hit the portal right at 6 AM when it's most stable.

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Zoe Gonzalez

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That's the plan. Going to prep everything tonight and set an early alarm. Thanks for the encouragement.

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Emily Parker

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You've got this. Early morning filing has never failed me, even when the portal is having issues later in the day.

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Ezra Collins

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UPDATE: Tried filing at 6 AM this morning and it worked perfectly! All three continuations went through without any issues. Portal was fast and responsive. Definitely filing early from now on. Thanks everyone for the advice - especially about double-checking documents first. Crisis averted!

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Awesome news! Did you end up checking your documents beforehand or just went with what you had?

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Ezra Collins

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I did run them through a quick verification check and found one small issue - debtor name had an extra period that would've caused problems. Good catch!

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