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Luis Johnson
Just to confirm - you're filing a UCC-3 continuation, not a UCC-3 amendment, right? I ask because continuation vs amendment gets confused sometimes and they have different requirements for name matching.
Yes, definitely filing a continuation. The UCC-1 expires next month so I need to extend the effectiveness period.
Luis Johnson
•Good, just wanted to make sure. Continuations should be straightforward if the names match exactly.
Chloe Zhang
Update us when you figure this out! I'm dealing with Hawaii filings regularly and would love to know what the actual issue was. These mystery rejections are so frustrating when you're working against a deadline.
Ellie Kim
•Hope you get it sorted out. That deadline pressure is the worst part of these filing issues.
Fiona Sand
•Following this thread too. Have a Hawaii continuation coming up and want to avoid the same problems.
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Ethan Davis
Quick question - if the UCC-1 was filed electronically, does the continuation also have to be filed electronically? Or can it be paper?
Most states accept either electronic or paper continuations regardless of how the original was filed. Electronic is usually faster and cheaper though.
Ethan Davis
•Makes sense, thanks for clarifying that.
Yuki Tanaka
Update: I talked to our loan officer today and they confirmed the UCC-1 expires in March 2025. They're planning to file the continuation in December 2024. Thanks everyone for the helpful information - this thread really helped me understand the process better!
Great to hear you got it sorted out! December filing gives you plenty of buffer time.
Luca Conti
•Perfect timing. You're all set then. Just keep that confirmation email for your records.
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Just to add one more verification step - after you file your UCC-1, pull a copy from the Texas SOS to make sure it was indexed correctly. Sometimes there are data entry errors that don't show up until you search for the filing.
Usually within a few hours for online filings. Paper filings take longer but most people do electronic now.
Electronic is definitely faster and you get immediate confirmation of acceptance or rejection.
Joshua Wood
Sounds like you've got a good plan now. UCC-1 financing statement for the promissory notes, careful attention to debtor names and collateral description, and verification after filing. Much more straightforward than trying to navigate Article 3 requirements that don't actually apply to your situation.
Ashley Adams
•Exactly. Thanks everyone for the help sorting this out. Really appreciate the guidance from people who've been through similar situations.
Justin Evans
•That's what these forums are for! Always happy to help fellow filers avoid the pitfalls we've already fallen into.
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Jamal Wilson
Does anyone know if there's a grace period for correcting rejected UCC-1 filings? Like can you refile within a certain timeframe and maintain the original priority date?
Mei Lin
•No grace period that I'm aware of. If it's rejected, you lose the priority date and have to start over with a new filing date.
That's correct. This is why getting the debtor name right the first time is so critical.
GalacticGuru
I'm new to handling UCC filings for our financial services company. This thread is making me nervous about all the ways things can go wrong! Any other common rejection reasons I should watch out for?
Also watch out for wrong filing fees. Each state has different fee structures and some have changed recently.
GalacticGuru
•Thanks! This is exactly the kind of practical advice I need.
Diego Fisher
Here's what worked for me: I called the SOS filing department directly and asked them to check the exact name format in their database. They were actually pretty helpful once I got through to someone who knew the UCC system.
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Diego Fisher
•They couldn't give me the exact format for security reasons, but they could confirm whether my proposed name would match their records or not.
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Henrietta Beasley
•That's actually a smart approach. At least you know if you're on the right track before submitting again.
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Lincoln Ramiro
Update us when you figure it out! I'm dealing with a similar issue on a construction equipment financing and curious what the solution ends up being.
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Eloise Kendrick
•Will do. Going to try the entity database search first, then maybe check out that Certana tool if I'm still stuck.
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Faith Kingston
•The verification tools are definitely worth it. Beats multiple rejections and delayed closings.
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