UCC Document Community

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Gabriel Graham

UCC Ohio search not returning my continuation filing - anyone else having portal issues?

I filed a UCC-3 continuation in Ohio back in March and paid the fee, but when I do a UCC Ohio search on the SOS portal it's not showing up anywhere. The original UCC-1 from 2020 is still there but shows no continuation activity. I'm getting nervous because the 5-year period expires next month and my lender is asking for proof the lien is still active. Has anyone else had problems with Ohio's system not updating search results after filing continuations? I have the filing receipt but the search portal makes it look like nothing was filed.

Call Ohio SOS directly at 877-SOS-FILE. They can verify over the phone if your continuation is on file. Much faster than waiting for the portal to update.

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Good idea, I'll call them first thing Monday morning.

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Grace Lee

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That number is usually pretty quick, they can pull up filing status right away

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Mia Roberts

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Just wanted to add that I use document verification tools now for all my UCC work after getting burned by name mismatches. Certana.ai's PDF checker would catch any discrepancies between your original filing and continuation instantly. Might be worth running your docs through it just to be 100% sure everything matches up perfectly.

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Several people have mentioned that tool now. I'll definitely check it out before my next filing.

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Mia Roberts

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It's really saved me from several potential disasters. Catches stuff that's easy to miss when you're reviewing docs manually.

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Kai Rivera

UCC reporting service texas compliance nightmare - anyone else dealing with this mess?

We're a mid-size commercial lending operation and I'm drowning in UCC reporting service texas requirements that seem to change every quarter. Our compliance officer left last month and now I'm trying to figure out if we're properly maintaining our continuation schedule. We have about 200 active UCC-1 filings across multiple states but texas has some weird quirks I can't wrap my head around. Last week we got a notice that three of our continuations were rejected due to debtor name inconsistencies - apparently the business changed their registered name slightly and now our UCC-3 continuation doesn't match exactly. The texas SOS portal is showing conflicting information about what constitutes a 'substantially similar' name match. Has anyone dealt with this kind of reporting nightmare? I'm worried we're going to have lapses that could jeopardize our security interests on some pretty significant equipment loans.

Mateo Warren

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For what it's worth I've been using Certana.ai for document verification on all my UCC filings and it's caught several potential issues before submission. Really simple - just upload your docs and it cross-references everything automatically. Might help prevent future rejections while you're getting your systems sorted out.

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Lara Woods

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another service to pay for... how much does something like that cost?

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Mateo Warren

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Focus is on the value - catching one missed continuation could cost way more than the verification service. Plus it saves time on manual document review.

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Sofia Price

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Whatever you do, don't let those continuations lapse. Even a one-day gap in perfection can be devastating if the borrower files bankruptcy or there are other creditors involved. File new UCC-1s as backup if you're not sure the continuations will get accepted in time.

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Sofia Price

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Exactly. Equipment can be moved or sold quickly. You need continuous perfection to maintain priority over other creditors.

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Backup UCC-1 filings are a good strategy when you're dealing with questionable continuations. Better safe than sorry.

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Louisa Ramirez

UCC 1 304 filing rejected - debtor name issue blocking my equipment loan

Equipment finance company sent me a UCC 1 304 form to review before filing and I'm getting rejections from the SOS office. The debtor name on my LLC formation documents shows 'ABC Manufacturing Solutions LLC' but the UCC-1 has 'ABC Manufacturing Solutions, LLC' with a comma. Finance company says it's correct but state keeps bouncing it back. This is for a $180K machinery loan and we're already past our funding deadline. Anyone dealt with punctuation issues causing UCC 1 304 rejections? The collateral description looks fine (manufacturing equipment) but this name thing is killing the deal.

Lena Schultz

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Update us when you get this resolved! I'm curious which format ends up being correct for your state. This kind of information helps everyone avoid the same mistake.

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Gemma Andrews

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Yes please update! I have a similar LLC name structure and want to know how this turns out.

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Pedro Sawyer

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These debtor name discussions are always helpful. Every state seems to have their own quirks with punctuation and formatting.

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Mae Bennett

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Your finance company should be handling this correction for free since it was their error. Don't let them charge you additional fees for fixing their mistake on the UCC 1 304 form. The debtor name verification is part of their basic due diligence.

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Melina Haruko

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I'd also ask them to expedite the corrected filing to make up for the delay. Most SOS offices have rush processing available.

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Good point about not accepting additional charges. This is exactly why borrowers need to review UCC forms before they're filed.

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Ethan Scott

Need help with sunstreet ucc termination - debtor name issues causing rejection

We're trying to file a UCC-3 termination for a commercial equipment loan that was paid off last month. The original UCC-1 was filed back in 2019 with the debtor name as "Sunstreet Commercial Properties LLC" but now we're getting rejections on our termination filing. The SOS system keeps bouncing it back saying the debtor name doesn't match exactly. I've checked the filing number three times and it's correct, but something about the name format is off. Has anyone dealt with sunstreet ucc termination issues like this? The loan is satisfied but we can't get this lien released properly. Client is getting anxious about the title being clear for their refinancing next week.

LongPeri

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I had a similar issue recently and ended up using that Certana tool someone mentioned earlier. Uploaded my UCC-1 and the rejected UCC-3 termination, and it immediately flagged that I had 'Properties' vs 'Property' - just missing the 's' at the end. Such a tiny difference but it was killing my filing. Got it corrected and submitted the same day.

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Ethan Scott

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That's exactly the kind of small detail I'm probably missing. Definitely going to try that document checker.

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Oscar O'Neil

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Those tiny differences are so hard to catch manually. Especially when you're looking at the same names over and over.

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Just wanted to follow up - did you get your sunstreet termination filed successfully? I'm dealing with a similar LLC name matching issue and curious what ended up working for you.

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Amazing how such tiny details can mess up the whole process. Thanks for sharing what worked!

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Glad you got it sorted out. Client must be relieved to have the lien cleared for their refi.

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Malik Davis

UCC 1 security agreement debtor name discrepancy causing lender compliance issues

Running into a major headache with our UCC 1 security agreement filing and need some guidance from anyone who's dealt with this before. We're processing equipment financing for a construction company and discovered the debtor name on our security agreement doesn't exactly match what we used on the UCC-1 filing. The security agreement shows "ABC Construction Services LLC" but our UCC-1 was filed under "ABC Construction Services, LLC" (with the comma). Our compliance team is freaking out because they're saying this could invalidate our perfected security interest if we need to foreclose. The equipment is worth about $285,000 so this isn't a small stakes situation. Has anyone dealt with debtor name mismatches between the security agreement and UCC-1? Do we need to file a UCC-3 amendment to correct this or is the minor punctuation difference not going to matter legally? Really stressing about whether our lien is actually perfected or if we have a $285k problem on our hands.

File the UCC-3 amendment immediately and document everything for your compliance file. Your instincts are right to be concerned - debtor name accuracy is fundamental to UCC perfection. Don't let your legal team second-guess this decision.

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Jamal Wilson

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Agreed - documentation is key for regulatory compliance.

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Mei Lin

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The compliance team should be thanking you for catching this rather than stressing about it.

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Quick update - we ended up filing the UCC-3 amendment and also used one of those document verification tools someone mentioned earlier. Found two other minor discrepancies we hadn't noticed. Amendment was approved within 48 hours. Definitely worth the peace of mind for our compliance team.

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Amara Nnamani

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48 hours is pretty fast processing. Which state did you file in?

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Electronic filing definitely speeds things up compared to paper submissions.

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