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Sophia Long
I work for a large regional bank and we see this issue frequently. Our standard practice now is to file a UCC-3 amendment immediately when we're notified of any debtor name changes, even if it seems minor. The amendment creates a clear link in the system and protects our lien position. Don't wait - file that amendment this week if possible.
Sophia Long
•Not overreacting at all. With an $850K loan, you want to be absolutely certain about your perfection status.
At least the banks are being proactive about this stuff. Wish the state systems were as reliable as the banking procedures.
UPDATE: I wanted to thank everyone for the advice. I ended up filing a UCC-3 amendment yesterday to add the new debtor name, and I also used that Certana.ai tool someone mentioned to verify all our documents were consistent before filing. It caught a couple of minor discrepancies I hadn't noticed. The amendment is already showing up in the PA system and both names are now linking properly in searches. Huge relief!
Glad the document verification tool helped! It's amazing how many small inconsistencies can slip through manual review.
This gives me confidence to tackle my own name change issues. Thanks for sharing your resolution!
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One more tip - if you're really unsure about the debtor name, you can always file a protective UCC-1 under the corrected name while you sort out the amendment. That way you maintain continuous perfection even if there's a name issue with the original filing.
True, but it's better than having a gap in perfection. You can always clean it up later with terminations once you figure out the correct approach.
This seems overly complicated. Why not just call the filing office and ask them directly about the name formatting?
Chloe Davis
Thanks everyone for all the advice! I think I'm going to go with the exact match approach - use the name exactly as it appears on the original UCC-1 for the amendment. And I'm definitely going to check out that document verification tool to make sure I don't have any other inconsistencies. This thread has been incredibly helpful.
Dylan Wright
•Smart choice. Better safe than sorry with UCC filings. Good luck with your amendment!
NebulaKnight
•Let us know how it goes! Always interested to hear about successful filings after all this troubleshooting.
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Just saw your update - congrats on figuring it out! The "& Associates" thing is so sneaky. Glad you got it sorted before your closing deadline.
Thanks! What a relief. Never making this mistake again.
Rajan Walker
•This thread should be required reading for anyone doing UCC filings honestly.
Filing update: SUCCESS! UCC-1 accepted with the corrected debtor name. Thanks everyone for the help, especially whoever mentioned that document checking tool. Saved my sanity and probably my job lol.
Ev Luca
•Great outcome! This whole thread is a perfect example of why name accuracy is so critical.
Avery Davis
•Bookmarking this thread for future reference. So many good tips here.
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Just went through this same nightmare in PA actually. The comma thing is universal - every state I've dealt with requires exact matches. Pro tip: always do a UCC search first to see exactly how the name was indexed, then copy it character for character.
Evelyn Xu
•Yeah I'm definitely learning that lesson now. Going to be way more careful about name formatting going forward.
Update us when you get it resolved! I'm dealing with a similar issue in NY and curious if the approach works.
Evelyn Xu
•Will do! Planning to refile tomorrow using the exact name from the original (no comma). Fingers crossed it goes through this time.
It should work fine. Just make sure you're copying the name exactly as it appears in the search results.
Dmitry Volkov
For anyone else reading this thread - Article 9 also covers agricultural liens, deposit accounts, and some other specialized collateral types. It's broader than just equipment and inventory, though those are the most common.
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Ava Thompson
•Don't forget about chattel paper and instruments. Article 9 covers those too, though the perfection rules can be different.
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CyberSiren
•And electronic chattel paper has its own special rules under Article 9. The law has really evolved to keep up with technology.
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Miguel Alvarez
Since you're dealing with multi-state filings, also remember that Article 9 has specific rules about which state's law governs and where to file. Usually it's where the debtor is located, but there are exceptions for certain types of collateral.
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Connor O'Reilly
•I had a case where we filed in the wrong state initially because we didn't properly analyze the debtor's location under Article 9. Had to refile everything and pay additional fees.
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Yara Khoury
•That's exactly why I started double-checking everything with verification tools. One small mistake in interpreting Article 9 location rules and you can void your entire security interest.
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