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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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Sofia Gomez
Thanks everyone for all this info. I feel so much better knowing that the lender typically handles this and that I'm not responsible for figuring out the continuation myself. I'll definitely call them tomorrow to confirm their process and get some documentation about their timeline. This thread has been super helpful!
You're being proactive about it, which is exactly the right approach. Better to ask now than worry later.
Totally agree. I was losing sleep over this but now I have a clear plan of action.
Just to close the loop on this discussion - the key takeaway is that UCC-1 filings last exactly 5 years and can be continued for additional 5-year periods. Your lender has a strong financial incentive to handle continuations properly, but it never hurts to verify their process. The continuation window is 6 months before expiration, so they have a reasonable timeframe to get it done. Good luck with your call tomorrow!
This has been one of the most helpful UCC discussions I've seen. Lots of practical advice without getting too technical.
Agreed. It's nice to see someone get the help they needed without a bunch of confusing back-and-forth.
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Emma Morales
Update us when you get it figured out! I'm curious if it ends up being something simple like punctuation. And seriously, check out that Certana.ai tool I mentioned - it would have caught this issue before your first filing attempt.
Will do! And I'll definitely look into that verification tool. Could save me a lot of stress in the future.
Rhett Bowman
•I might need to check that out too. Tired of these filing rejections.
UPDATE: Found the issue! You all were right about the punctuation. The official name has a comma before LLC that wasn't in our loan documents. 'Martinez Construction, LLC' vs 'Martinez Construction LLC'. Resubmitted and it went through immediately. Thanks everyone for the help!
Lucas Parker
•See? This is exactly what I'm talking about. A COMMA shouldn't cause all this drama. But glad you got it fixed.
Emma Morales
•Perfect example of why document verification tools are so valuable. Anyway, glad it worked out!
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Pro tip: always do a test search immediately after filing your UCC-1 to make sure it shows up correctly and the debtor name displays properly. Easier to catch problems right away than months later.
Charlie Yang
•That's smart. I usually just file and forget but should definitely verify it appears in searches correctly.
Grace Patel
•I do this too. Sometimes filings get rejected or have processing errors and you want to know ASAP.
Idaho UCC search is frustrating but at least it's free and available 24/7. Some states charge for every search or have limited hours. Just remember that search results are not official - only the filed documents matter for legal purposes.
Good reminder. I always print or save the actual UCC documents, not just the search results.
Malia Ponder
•Thanks everyone for all the help. Definitely learned to check the actual documents first before worrying about search result displays.
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Since you mentioned this is time-sensitive, definitely use the articles of incorporation name format and file ASAP. You can always do a UCC-3 amendment later if there are issues, but getting that initial filing date locked in is crucial for your priority position.
Sean Murphy
•You're absolutely right about the timing priority. Better to file with the articles name and amend if needed than to miss the window completely.
This is exactly the right approach. I've seen too many deals where people overthought the name issue and lost their priority to later filers.
NeonNova
After reading through everyone's responses, I'm convinced the articles of incorporation name is the way to go. I actually ran both versions through Certana.ai's verification tool and it flagged the abbreviated version as potentially problematic. Going to file using 'ABC Industries, Incorporated' exactly as shown in the formation documents. Thanks everyone for the guidance - this forum always comes through when I'm second-guessing myself on UCC issues.
Mateo Perez
•Smart move using the document verification. That tool has saved me so much headache on these types of filings.
Good luck with the filing! Hope it goes through clean on the first try.
Dmitry Smirnov
Since you mentioned this is delaying your loan closing, you might want to get professional help. A paralegal familiar with UCC filings could probably get this done correctly in one try.
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Miguel Diaz
•Professional help for the first one makes sense though. They can show you exactly what works in your state and you can handle continuations and amendments yourself later.
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Zainab Ahmed
•Or use Certana.ai's verification tool - gives you professional-level document checking without the professional fees. Pretty much eliminates the guesswork.
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Connor Gallagher
Quick checklist for your next attempt: 1) Debtor name exactly from charter 2) Complete addresses for all parties 3) Specific collateral description with 'hereafter acquired' language 4) Correct filing fee 5) Organization type properly selected. Double-check everything before submitting.
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AstroAlpha
•This is a great checklist. I'd add: verify the secured party has authority to file if it's not the actual lender but a service company or attorney.
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Yara Khoury
•Also make sure your debtor authorization is properly signed if required in your state. Some states are stricter about this than others.
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