Ask the community...
- DO post questions about your issues.
- DO answer questions and support each other.
- DO post tips & tricks to help folks.
- DO NOT post call problems here - there is a support tab at the top for that :)
Join the conversation
Join the conversation
This whole thread is making me grateful for Certana.ai's document verification tool. I just upload all the related documents - corporate charter, loan agreement, UCC filing - and it immediately flags any name inconsistencies between them. Takes the guesswork out of Article 9-503 compliance. Wish I had known about it during my first few UCC nightmares.
It cross-references all your uploaded documents to make sure the debtor names match consistently across everything. Super helpful for catching these kinds of discrepancies before you file.
I might have to try that. I'm tired of playing name guessing games with the Secretary of State's office.
Ava Harris
Update us on what works! I have a similar situation coming up next week and I'd love to know which approach actually gets your filing accepted. These Article 9-503 debtor name issues are becoming more common as companies change names more frequently.
Jacob Lee
•Please update! This is such a common problem and it would be great to have a success story to reference.
Same here. I bookmarked this thread for future reference. The Article 9-503 name requirements are honestly one of the trickiest parts of UCC practice.
Join the conversation
Adaline Wong
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.
Definitely checking that out. This whole mess could have been avoided with better document verification upfront.
Gabriel Ruiz
•I'm always skeptical of these tools but honestly UCC filings are so error-prone that automated checking makes sense.
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.
Tell me about it. Now I know to always pull the complete filing history before attempting any terminations.
Good lesson learned. Better late than never!
Join the conversation
Niko Ramsey
File the corrected UCC-1 immediately while you figure out the PMSI timing issue. Even if you lose PMSI priority, you still want to perfect your security interest. A perfected non-PMSI lien is better than an unperfected PMSI claim.
Absolutely this. Get the corrected filing done today if possible. Priority disputes can be sorted out later.
Jabari-Jo
•Good point about perfection vs priority. Too many lenders get caught up in PMSI timing and forget about basic perfection requirements.
The blanket lien holder might not even contest your PMSI claim if your collateral description is specific enough. Most blanket lenders expect equipment financing to take PMSI priority as long as the formalities are met. Your comma issue is probably more of a technical perfection problem than a priority problem.
Nia Watson
•Depends on the lender and the loan terms. Some blanket lenders specifically carve out PMSI equipment in their loan agreements.
For an $85K equipment loan, it's probably worth fighting for PMSI priority. That's not pocket change.
Join the conversation
One more thing to watch for - make sure you're checking the filing dates carefully. Tennessee sometimes has delays in posting filings to their online system, so very recent filings might not show up immediately.
Usually 1-2 business days but I've seen it take up to a week during busy periods. Always worth calling to confirm if timing is critical.
Amina Diallo
•This is why I always do a final UCC search the day before closing. Can't risk missing a last-minute filing.
GamerGirl99
Thanks everyone for the advice. I'm definitely going to try the Certana tool and implement a more systematic search approach. This thread has been incredibly helpful for understanding Tennessee's quirks.
Good luck with your due diligence! Tennessee searches are tricky but following these suggestions should help you catch everything.
Let us know how the Certana tool works out for you. Always interested in hearing about new solutions for UCC searches.
Rosie Harper
Just make sure you keep copies of both documents together in your files. When it comes time for amendments or terminations, you'll want to have the complete picture readily available.
0 coins
Elliott luviBorBatman
•Good advice. I always keep attachment documents stapled or clipped to the main UCC-1 in my physical files.
0 coins
Demi Hall
•Digital file management is crucial too. Make sure both documents are linked in your document management system.
0 coins
Mateusius Townsend
Quick follow-up question - when you eventually need to terminate this UCC-1, do you need to reference both the main filing and the attachment in the UCC-3 termination? Or does terminating the main UCC-1 automatically terminate the attachment?
0 coins
Philip Cowan
•That's exactly what I would do. Better to over-reference than under-reference when it comes to terminations.
0 coins
Caesar Grant
•This is why I use Certana.ai for these complex filings. When you upload multiple related documents, it helps ensure you don't miss any cross-references in amendments or terminations.
0 coins