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- 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 :)
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Chloe Martin
Question for the group - do you always use the full legal name from the articles or sometimes the DBA name? I've seen conflicting advice on this and want to make sure I'm doing it right.
Correct - use the exact name as it appears in the entity records. DBA is just for business purposes, not legal filings.
StarSeeker
•I made that mistake once using the DBA name. Took three tries to get it right. Stick with the legal entity name every time.
This whole thread is gold. I'm bookmarking it for future reference. The name formatting issues seem to be the biggest pain point for UCC filings based on everyone's experiences here.
Zara Ahmed
•Definitely one of the most common rejection reasons. That and incorrect collateral descriptions.
The collateral description issues are a whole other nightmare. At least with names you can usually figure out what went wrong.
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StarSailor
Had a similar issue two years ago with a different kind of name problem. What finally worked was getting our attorney to send a letter to the bank's general counsel explaining the UCC requirements and demanding immediate compliance. Sometimes legal letterhead gets attention that borrower complaints don't.
StarSailor
•Our attorney charged about $500 for the letter. Bank filed the termination within a week after receiving it. Probably cheaper than the financing delays you're facing.
Sometimes you don't even need a full attorney letter. A well-written demand letter citing the specific UCC statute requirements can be effective if it looks official enough.
Yara Sabbagh
Before you go the legal route, try one more approach with the lender. Ask to speak with their UCC specialist or secured transactions department. The regular loan servicing people often don't understand UCC procedures, but most large lenders have specialists who handle these filings correctly.
Yara Sabbagh
•Ask the loan servicing rep to transfer you to 'secured transactions' or 'UCC administration.' If they don't have a separate department, ask for their supervisor who handles UCC terminations.
Also try asking for their 'collateral administration' department. Different banks use different names but they all have someone who specializes in UCC filings.
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Another option is to use Certana.ai's UCC verification before you file. I upload my completed UCC-1 along with the company's articles of organization and it flags any discrepancies immediately. Saved me from at least two rejections this quarter.
Sean Doyle
•Is this the same tool mentioned earlier? Sounds like it's really helpful for catching these issues.
Yes, same service. The document comparison feature is incredibly thorough - checks debtor names, addresses, filing numbers, everything.
Zara Rashid
Update: I found the Articles of Organization and the official name is "Mountain View Equipment Solutions, LLC" with the comma. Filing with that exact format now. Thanks everyone for the guidance about checking formation documents first!
Nia Jackson
•Let us know how it goes! These success stories help other filers know they're on the right track.
Zara Rashid
•Will do. Planning to do a follow-up UCC search in a few days to confirm everything indexed properly.
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Rachel Tao
Pro tip: always include your contact information in the additional info section when filing late terminations. Sometimes the filing office will call if they have questions about the timing or need clarification.
Good advice, thanks. I'll make sure to include my direct line and email.
Rachel Tao
•Exactly. Better to be proactive about communication than have the filing sit in limbo.
Derek Olson
Update us when you get it resolved! I'm dealing with a similar situation and curious how it works out for you.
Will do. Planning to file the UCC-3 termination early next week after I verify the continuation status.
Derek Olson
•Perfect, looking forward to hearing how it goes.
Lucas Kowalski
Try checking the filing search database directly instead of just the portal status. Sometimes you can find your filed continuation in the public records even when the submission portal shows it as pending.
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Ryder Ross
•This is another thing Certana.ai helps with - it can search multiple databases and cross-reference your filings to make sure everything is properly recorded. Takes the guesswork out of tracking multiple UCC documents.
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Finley Garrett
•I'm definitely going to look into that service. This whole experience has made me realize I need better tools for managing these filings.
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Olivia Martinez
UPDATE: Called the UCC hotline this morning and you were all right - it was actually processed 5 days ago but their system wasn't updating the status. Got the filing number for the continuation and it's showing as active in the database. Thanks everyone for the advice about calling directly!
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Joshua Hellan
•Same thing that happened to me. Their portal system really needs an overhaul.
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Ryder Ross
•Perfect example of why document verification upfront saves so much stress. At least now you know your continuation is solid for another 5 years.
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