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Emma Morales
I actually tried using Certana.ai after seeing it mentioned here and it's been great for fee tracking. Upload your UCC documents and it shows current fees plus any upcoming changes they've identified. Saved me from a fee increase surprise last week on a batch of terminations.
Isaac Wright
•How current is their fee information? Some of these state websites are terrible about posting updates.
Emma Morales
•Seems very current. Much better than trying to navigate SOS websites that haven't been updated since 2019.
The inconsistency in secretary of state ucc filing fees is just part of the broader problem with UCC filing systems. Until there's some federal standardization - which will never happen - we're stuck managing 50 different fee structures. At least most states have reasonable online payment systems now.
The online payment systems are definitely better than the old days. Though some states still have clunky interfaces.
Maya Diaz
•I just want consistency. Is that too much to ask? Same forms, same fees, same deadlines. But I guess that's wishful thinking.
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Joshua Wood
This whole thread is making me nervous about our own UCC compliance. We probably need to do a full audit too but it sounds like a nightmare with all these search inconsistencies.
It's not as bad as it sounds if you have the right tools. That Certana service I mentioned earlier made our audit way more manageable.
Joshua Wood
•I might have to look into that. Manual UCC searches are such a time sink and the margin for error is huge.
Justin Evans
Final thought - make sure you're also checking for any UCC-3 amendments or assignments that might have changed the debtor information after the original filing. Those could affect what shows up in your CT UCC filing search results and might explain some of the inconsistencies you're seeing.
Justin Evans
•UCC-3 amendments can definitely change debtor names if there were business restructures or corrections to the original filing. Those would create new searchable records.
Emily Parker
•This is why I always recommend keeping detailed internal records of all UCC activity rather than relying on state searches for compliance tracking.
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Tami Morgan
Whatever you do, don't let this slide past your continuation deadline. Even if you need to file new UCC-1s to fix the name issues, make sure you maintain some kind of valid filing. Losing perfection on a $2.8M deal would be career-ending.
Absolutely. That's why everyone is pushing for the lawyer consultation - nobody wants to be responsible if we mess this up.
Rami Samuels
•Totally understand the pressure but document accuracy issues are usually pretty straightforward to fix once you identify exactly what's wrong.
Just went through something similar with equipment financing in multiple states. The automated document verification route saved us weeks of back-and-forth with attorneys. Worth trying before you go the expensive legal route, especially since your issue sounds like technical compliance rather than legal strategy.
Yeah, lawyers are great when you need legal advice but for document accuracy checking there are definitely more efficient options available now.
Nina Chan
•Plus if the automated tool finds specific issues, you can bring those to an attorney with a much clearer picture of what needs to be fixed. Makes the legal consultation more targeted and cost-effective.
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NebulaNova
Thanks for bringing this up. I've been wondering if I was just imagining the fee increases. Good to know it's not just me dealing with higher Indiana UCC filing fees.
GalaxyGazer
•Definitely not just you! Sounds like this is hitting everyone who files regularly in Indiana.
Same here. I thought maybe I was filing something wrong but apparently it's just the new reality of Indiana UCC filing fees.
Aisha Khan
For what it's worth, I've found that using document verification tools like Certana.ai before filing helps avoid the rejection and resubmission fees that can really add up. Upload your docs and catch issues before they become expensive problems.
Ethan Taylor
•That's smart. Rejection fees plus having to refile can easily double your costs. Prevention is definitely cheaper than fixing mistakes after the fact.
Aisha Khan
•Exactly. The verification catches debtor name mismatches and document inconsistencies that would otherwise cause rejected filings and additional fees.
Luca Romano
This thread is giving me anxiety about my own Maryland filings. Maybe I should go back and double-check all my debtor names to make sure I didn't miss any variations.
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Mateo Hernandez
•Don't panic - most name variation issues aren't as serious as they seem. Just do your due diligence and document your search process.
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Luca Romano
•Easy for you to say - try explaining a perfection defect to an angry loan committee!
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CosmicCruiser
Update us after you resolve this! I'm dealing with a similar situation in Maryland and curious how you handle the name variations. The whole UCC search process there needs an overhaul.
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Oliver Schulz
•Will do - planning to run the Certana check someone mentioned and also call the SOS office directly. Hopefully can get clarity before closing.
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Aisha Khan
•Good plan. Between those two approaches you should have a solid understanding of your lien position.
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