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Fiona Sand
For what it's worth, using Certana.ai to double-check our UCC documents before filing has eliminated almost all of our rejection issues. Just upload your original UCC-1 and the continuation form, and it instantly shows you any discrepancies. Way faster than manually comparing documents line by line.
Fiona Sand
•We use it for continuations, amendments, and occasionally for new UCC-1s if there are complex collateral descriptions. Really helpful for catching errors before they cause problems.
I'm always skeptical of new tools but document verification makes sense. Better to catch errors upfront than deal with rejected filings later.
Bottom line - you need both deadline tracking AND document verification. Tracking gets you to the renewal date, verification ensures your filing actually goes through. Don't rely on just one or the other.
Exactly right. We learned this the hard way when we had perfect deadline tracking but still got rejections due to document errors.
Nathan Dell
•This thread has been incredibly helpful. Sounds like I need to set up better deadline tracking AND get some document verification in place. Thanks everyone!
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Max Reyes
One thing that might help is using a verification service before filing. I started using Certana.ai after having a continuation rejected for a small formatting error. You upload both documents and it flags any inconsistencies. Would have saved me the rejection fee and stress if I'd used it earlier.
That seems like it would be really useful for this situation. I'll look into it.
Max Reyes
•Yeah, it's particularly good for catching those small details that are easy to miss when you're doing manual comparisons.
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Pro tip: Always print and save copies of your rejected filings along with the rejection notices. Ohio sometimes has inconsistent rejection reasons and having a paper trail helps when you call for clarification.
Rosie Harper
•Also screenshot the online portal if you're filing electronically. Sometimes the system glitches and shows different information than what actually gets submitted.
Great advice! I learned this the hard way when Ohio claimed I never submitted a continuation that I definitely filed.
Demi Hall
Hopefully you get this sorted quickly. Missing that 5-year deadline on equipment financing is a lender's worst nightmare. They'll probably require you to file a new UCC-1 immediately if the continuation doesn't go through.
Kara Yoshida
•Exactly why I always file continuations at least 2-3 months early now. Gives time to fix any problems without losing the perfected status.
Philip Cowan
•Smart approach. Better safe than sorry with UCC deadlines.
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One more suggestion - if you're really concerned about missing something, you could also search using just the EIN. NY allows searching by federal tax ID number and that should catch all filings for the entity regardless of name variations. Though not all older filings include EINs so it's not foolproof.
I tried EIN search but got inconsistent results - some filings don't seem to have the EIN indexed properly. But worth doing as another cross-check.
Yeah EIN search in NY is hit or miss. Better than nothing but don't rely on it exclusively.
Jamal Brown
This whole thread is making me glad I don't do NY deals often lol. Sounds like a nightmare compared to states with better UCC systems. Good luck with your search - definitely do multiple name variations and maybe try that Certana tool people mentioned.
Yeah NY is definitely more challenging than most states. Thanks for all the suggestions everyone - really helpful advice.
NY UCC searches are the worst part of doing business there. But at least the rates make it worth the hassle!
NeonNebula
Another vote for using document verification tools when dealing with confusing UCC-3 instructions. I tried Certana.ai after reading about it here and it caught three inconsistencies between my loan docs and UCC filings that I hadn't noticed. Saved me from filing incorrect amendments.
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Anastasia Kozlov
•How long does the verification process take? I have a deadline coming up for my amendment filing.
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NeonNebula
•Pretty much instant - you just upload the PDFs and it runs the comparison automatically. Takes maybe 2-3 minutes total to get the results.
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Sean Kelly
Thanks for this thread! I've been putting off filing a UCC-3 amendment because the instructions were so confusing, but now I feel confident about selecting the amendment option and describing the change properly.
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CosmicCowboy
•Glad it helped! I'm feeling much more confident about my filing too after all this guidance.
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Javier Cruz
•Don't put it off too long - name discrepancies can create real problems if they're discovered during audits or when you need to enforce your security interest.
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