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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.
When did they update? I filed there in March and didn't have issues.
Zainab Ahmed
•The update was in July. Much more automated now but way less forgiving of minor variations.
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.
Thanks everyone. Going to resubmit with the correct name and better collateral description. Hopefully third time's the charm!
Yara Khoury
•Good luck! Let us know how it goes.
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Same boat here - filed a continuation in Virginia last week and it's nowhere to be found in the search results. Starting to wonder if their system update broke something with the indexing process.
Omar Hassan
•Maybe we should start a group complaint or something? This is affecting too many people to be individual issues.
Not a bad idea. I know at least 3 other attorneys in my firm having similar problems with Virginia UCC searches this month.
Update: Called the help desk and they confirmed my filing is in the system but there's a 'technical display issue' affecting search results filed between March 1-15. They're working on a fix but no ETA. At least I know the lien is perfected even if I can't search for it online.
Diego Chavez
•Thank goodness someone finally got a real answer. I was starting to think I was going crazy.
They said they'll send an email confirmation once the search display is fixed. Might take a few more days but at least the filings are valid.
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Does anyone know if California offers any fee waivers or reductions for non-profit organizations or small businesses? Some states have reduced fee structures for certain entity types.
Nope, no discounts or waivers that I'm aware of. California treats all UCC filings the same regardless of who's filing or why.
That's disappointing but not surprising. California's not known for being business-friendly when it comes to fees and regulations.
Ravi Sharma
The real frustration is when you get a rejection after paying the full fee. Last month I had a UCC-1 rejected because the debtor name didn't exactly match their articles of incorporation. Lost the $25 filing fee and had to pay another $25 to refile correctly.
Omar Zaki
•That's where using Certana.ai's verification tool pays for itself. It specifically checks for debtor name formatting issues that cause California rejections.
Ravi Sharma
•I wish I'd known about that tool before my rejection. Would have saved me $25 and a week of delay getting the lien perfected.
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Owen Jenkins
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.
Which tools do you use for that?
Certana.ai works well - upload your docs and it cross-checks collateral descriptions between security agreements and UCC filings.
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.
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.
Good to hear. Keep us posted on how the proceeds arguments work out.
Lucas Parker
Have you considered just paying an attorney to handle this? $150K is a lot of money to risk on a DIY filing. A lawyer who does this regularly will probably charge $300-500 but could save you from costly mistakes.
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Donna Cline
•I get wanting to save money, but messing up a UCC filing can void your entire security interest. That's way more expensive than attorney fees.
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Harper Collins
•There's a middle ground - use one of those document checking services to verify your filing before you submit it. Cheaper than a lawyer but gives you confidence you got it right.
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Kelsey Hawkins
One more thing - make sure you understand the continuation requirements. UCC-1 filings are only good for 5 years, so you'll need to file a UCC-3 continuation before it lapses if the loan term is longer than that.
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Kelsey Hawkins
•No, the original filing doesn't need any special preparation for continuation. Just make sure you file the UCC-3 continuation within 6 months before the 5-year expiration date.
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Dylan Fisher
•Set a calendar reminder for year 4! I've seen people miss continuation deadlines and lose their security interest. That's not a mistake you want to make on a $150K loan.
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