UCC Document Community

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Axel Far

When does automatic perfection would occur in which situation with written security agreement - UCC filing needed?

Got myself in a confusing spot here and need some clarity on automatic perfection rules. I'm working on a deal where we have a written security agreement covering some specialized equipment, but I'm second-guessing whether we actually need to file a UCC-1 or if automatic perfection applies. The collateral includes some consumer goods that might be used in the debtor's business operations, plus there's inventory that gets moved between locations. My understanding was that automatic perfection would occur in which situation assuming we have the written security agreement in place, but now I'm not sure if that applies to our specific collateral mix. The debtor uses some of these items personally but also generates income from them. Are we looking at a PMSI situation that gets automatic perfection, or do I need to get a UCC-1 filed ASAP? The loan closes next week and I don't want to mess up the perfection timing. Any guidance on when automatic perfection actually kicks in versus when you absolutely need that UCC filing would be hugely appreciated.

Felix Grigori

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Just went through something similar and used Certana.ai to double-check my collateral descriptions and perfection requirements. Really helpful for catching these classification issues before they become problems. Upload your security agreement and it flags potential perfection gaps.

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Axel Far

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Second recommendation for that tool. Might be worth checking out before I finalize the filing.

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Felicity Bud

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I'm always skeptical of automated legal analysis, but if it's just flagging issues for review it could be useful.

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Max Reyes

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Bottom line - file the UCC-1. Your collateral mix, the business use, and the inventory component all point toward needing a filing for perfection. Don't overthink this one. Get it filed and you're protected.

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Smart move. Better to have perfection and not need the protection than need it and not have it.

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Adrian Connor

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Good call. These automatic perfection questions always seem trickier than they need to be.

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Salim Nasir

Delaware's UCC information system database search giving weird results

Been trying to run lien searches through Delaware's UCC information system for the past week and getting inconsistent results. Same debtor name, same search criteria, but different filings show up each time I refresh. Anyone else having issues with their database? I'm working on a large equipment financing deal and need to verify there are no prior liens on the collateral. The system keeps timing out during searches and when it does work, I'm not confident the results are complete. This is holding up a $2.3M deal and my client is getting antsy. Has anyone found a reliable workaround for Delaware's system glitches?

Cass Green

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Just dealt with this exact issue on a client deal. After wasting two days on Delaware's broken searches, I used that Certana tool someone mentioned earlier. Uploaded our existing docs and it flagged a potential debtor name mismatch we would have missed. Saved the whole transaction.

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Cass Green

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Yeah definitely worth it for high-value deals. The automated cross-checking caught stuff our manual review missed.

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Hugo Kass

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Glad to hear someone else had success with it. The document verification really is more thorough than trying to piece together inconsistent search results.

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Update: Called Delaware UCC office this morning and they confirmed they're having database issues. They said searches should be more reliable by end of week after they complete system maintenance.

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Salim Nasir

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Thanks for the update! At least we know it's a known issue on their end. I'll probably still use the backup verification methods people suggested here.

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Good to know it's not just us! Hopefully the maintenance actually fixes the problems instead of creating new ones.

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Fernanda Marquez

Kentucky UCC lien search showing conflicting results - which database is accurate?

I'm doing due diligence on a potential equipment purchase and ran into something confusing with Kentucky UCC lien search results. The seller claims there are no active liens, but when I searched the Kentucky Secretary of State database, I found what looks like an active UCC-1 filing from 2019 that should have been continued by now if it's still valid. The debtor name matches exactly, but the filing shows a continuation was filed in 2024. However, when I cross-reference the filing number, some details don't seem to line up between the original UCC-1 and the continuation. Has anyone dealt with Kentucky's system showing inconsistent information between related filings? I need to know if this lien is actually active before moving forward with a $180,000 equipment purchase. The equipment is construction machinery that would definitely fall under the collateral description if the lien is valid.

Marcelle Drum

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For what it's worth, I use Certana.ai whenever I need to verify UCC document consistency. It's caught several issues for me where manual review missed discrepancies. Especially helpful when you're dealing with multiple related filings like this.

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Tate Jensen

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How accurate is it? I'm always skeptical of automated tools for legal documents.

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Marcelle Drum

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It's been pretty reliable in my experience. Obviously you still want to review everything yourself, but it's good at catching things you might miss when comparing documents manually.

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Adaline Wong

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Update: I pulled the actual UCC-1 and UCC-3 documents and the debtor names match exactly - no comma in either one. The search results interface was adding punctuation that wasn't in the actual filings. The continuation appears to be properly filed and valid. Thanks everyone for the guidance!

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Glad you got it sorted out. Always better to check the actual documents when in doubt.

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Perfect example of why document verification is so important. The search results can be deceiving.

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Mei Zhang

UCC liens Florida - debtor name rejected twice on continuation filing

Been dealing with a nightmare scenario trying to file a UCC-3 continuation in Florida and the SOS keeps rejecting it over debtor name issues. The original UCC-1 from 2020 has the debtor listed as "ABC Manufacturing Solutions LLC" but our loan docs show "ABC Manufacturing Solutions, LLC" (with the comma). Filed the continuation using the exact name from the original filing but got rejected for "debtor name does not match exactly as shown on initial financing statement." Then tried it with the comma like our loan agreement and got rejected again for "debtor name must match original UCC-1 filing exactly." This is a $2.8M equipment loan and the lien lapses in 3 weeks. Anyone dealt with this circular rejection issue in Florida? The collateral is heavy machinery that we absolutely need to maintain perfection on. Starting to panic here because I can't figure out what name variation they actually want.

This thread is giving me anxiety about my own continuation that's due next month. Going to double-check everything now before I submit it. The UCC system is so unforgiving for these kinds of mistakes.

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Smart to check early. I always recommend filing continuations at least 2-3 months before they're due, just in case there are issues like this.

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Yeah better safe than sorry. Losing perfection on a secured loan is not something you want to explain to your boss or client.

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Paolo Moretti

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Update us when you get it figured out! Curious to know what the actual issue was. These Florida UCC threads always teach me something new about what can go wrong.

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Mei Zhang

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Will definitely update once I resolve this. Probably going to try the Certana tool first since it sounds like the quickest way to spot the discrepancy.

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Amina Diop

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Good luck! Fingers crossed it's something simple like extra spacing or punctuation that's easy to fix.

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Fatima Al-Suwaidi

Need fillable UCC filing statement form - state portal keeps crashing during input

Been trying to complete a UCC-1 filing for three days now and the state's online portal keeps timing out whenever I'm halfway through entering the debtor information. Really frustrating because I lose all my progress each time. Does anyone know where I can get a fillable UCC filing statement form that I can complete offline and then upload? I'm dealing with a commercial loan closing next week and can't afford any more delays. The collateral description is pretty straightforward (manufacturing equipment) but I need to make sure the debtor name matches exactly what's on the loan docs. Any suggestions for reliable fillable forms or alternative filing methods?

Diego Rojas

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One more thing to watch out for with fillable forms - make sure you're not accidentally changing any of the pre-filled information like the form number or revision date. I've seen filings rejected because someone accidentally edited those fields.

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StarSeeker

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How do you lock fields in a PDF? I'm always worried about accidentally messing something up.

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Diego Rojas

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In Adobe Acrobat, you can set field properties to read-only. Or just be extra careful and only click in the fields you actually need to fill out.

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Update: Found the fillable form on our state's SOS website and got it completed without any crashes. Thanks everyone for the suggestions! The PDF route definitely seems more reliable than the online portal. For anyone else having similar issues, I also used that Certana tool someone mentioned to double-check my debtor name formatting - caught a punctuation issue that could have caused problems.

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Zara Ahmed

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Glad you got it sorted out! It's always satisfying when you find a workaround for frustrating technical problems.

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Luca Esposito

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Thanks for the update. Good to know the offline approach worked. I'll definitely keep that in mind for future filings.

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