UCC Document Community

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Jacob Lewis

UCC 11 search results showing weird discrepancies - anyone else seeing this?

Been doing UCC searches for about 8 years now and I'm seeing some strange stuff lately with UCC 11 search results. Just ran a search on a debtor and the financing statement shows up but the collateral description doesn't match what's in our loan docs. The UCC-1 was filed back in 2022 and shows 'all equipment and inventory' but our security agreement specifically lists the machinery by serial numbers. Now I'm worried we might have a perfection issue if this goes sideways. Has anyone dealt with discrepancies between what shows up on UCC 11 searches versus what was actually intended to be filed? Starting to think I need to double-check every filing we've done this year.

Michael Adams

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I'm dealing with something similar but mine is worse - the UCC 11 search shows a filing but when I try to get the actual document, the filing office says it doesn't exist. Their system is completely messed up.

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Michael Adams

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Probably have to refile everything. Such a waste of time and money but what choice do I have?

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Mila Walker

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Before you refile, try calling the filing office directly. Sometimes their online system glitches but the filing is actually there.

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Natalie Wang

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Just wanted to follow up on this thread because I had the exact same issue last month. Turned out the collateral description in the UCC-1 was actually fine - it was just that the UCC 11 search results display was showing a truncated version. When I got the certified copy of the actual financing statement, it had all the detail I needed. Might want to get the full document before you panic.

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Jacob Lewis

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Thanks for the update! I'm definitely going to request the full financing statement. This thread has been really helpful.

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Good reminder that UCC 11 searches are just the starting point, not the final answer.

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Anastasia Popov

Why file UCC financing statement - confused about the whole process

I keep hearing about UCC financing statements but honestly have no clue why anyone would need to file one. My business partner mentioned we might need to do this for our equipment loan but I'm totally lost. Can someone explain in simple terms why file UCC financing statement and what happens if you don't? I tried googling but got overwhelmed with all the legal jargon about secured transactions and perfected liens. Are these really necessary or just more paperwork the banks make you do?

Here's something most people don't realize - UCC filings also protect YOU as the borrower in some situations. If your lender sells your loan to another bank, the UCC filing clearly shows what collateral is securing the debt. Prevents disputes about what the new lender can and can't claim.

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Interesting point. I hadn't thought about loan sales affecting this.

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Yeah and if you pay off the loan early, you want to make sure they file a termination statement to clear the lien from public records.

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Dylan Cooper

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Bottom line - UCC filings are how secured transactions work in the US. If a lender is taking collateral for a loan, they need to file to perfect their security interest. It's been this way since the Uniform Commercial Code was adopted decades ago. Not really optional in modern commercial lending.

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Sofia Perez

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That's exactly the right approach. Trust but verify, especially with the debtor name accuracy.

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Aisha Rahman

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Definitely verify. Like I mentioned earlier, Certana.ai's verification tool caught our name mismatch that could have caused major problems later. Worth the peace of mind.

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Philip Cowan

Michigan UCC Search showing old terminations - need help with state of michigan ucc search accuracy

I'm dealing with a frustrating situation where the Michigan UCC search results are showing terminated liens that should have been cleared months ago. We filed UCC-3 terminations back in August for several equipment loans that were paid off, but when I run a state of michigan ucc search on our company name, these old filings still appear as if they're active. The SOS website search function seems to be lagging or not updating properly. Has anyone else experienced delays with Michigan's UCC database updates? I'm worried this could affect our upcoming credit facility approval since the lender will definitely run their own UCC search. The filing numbers are all correct and we have confirmation receipts for the terminations, but they're just not reflecting properly in the public search results.

I've been dealing with UCC filings for 15 years and Michigan has always been slower than most states with search updates. The fact that you have acceptance confirmations means your terminations are legally effective regardless of what the search shows. Document everything and present it to your lender with confidence.

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No, this is definitely a system issue not a filing issue. Your documentation should be more than sufficient for any reasonable lender.

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Honorah King

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15 years of experience and Michigan still finds ways to be frustrating. Some things never change!

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Oliver Brown

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Try running the search again in a few days. Sometimes these things resolve themselves once the database catches up. In the meantime, make sure you have clean copies of all your termination documents ready for the lender.

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Philip Cowan

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Will do. Hopefully this resolves itself soon but I'll definitely have all the documentation ready either way.

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Oliver Brown

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That's the right approach. Being prepared with documentation is always better than hoping the search results are perfect.

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Simon White

Illinois Cyberdrive UCC Search Portal Not Showing My Filed Documents

Been dealing with a nightmare situation where I filed a UCC-1 financing statement through the Illinois Secretary of State's Cyberdrive system about 6 weeks ago, but when I do a cyberdrive illinois ucc search for the debtor name or filing number, absolutely nothing comes up. The payment went through, I have the confirmation email, but it's like the filing vanished into thin air. My lender is asking for proof that the lien is properly recorded and I'm starting to panic. Has anyone else had issues with the Illinois Cyberdrive UCC search function not displaying filed documents? I need to figure out if this is a system delay or if my filing somehow got rejected without notification. The debtor name on my UCC-1 exactly matches their articles of incorporation, so I don't think it's a name mismatch issue, but I'm second-guessing everything at this point.

Malia Ponder

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I've seen this happen when the debtor name on the UCC-1 doesn't exactly match their registered business name format in the Illinois database. Even something as small as 'Inc.' vs 'Incorporated' can cause search indexing problems. Try searching for your debtor using their exact name as it appears on their Illinois business registration.

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Malia Ponder

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Also try searching without any punctuation or commas. The Illinois search algorithm is really picky about special characters and spacing.

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Kyle Wallace

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This is why debtor name accuracy is so critical in UCC filings. One small mismatch and your security interest could be at risk.

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Ryder Ross

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Update on this situation: I ended up calling the Illinois SOS UCC division this morning and they confirmed my filing is on record and properly indexed. Turns out their public search portal has been having technical issues for the past month and many recent filings aren't showing up in results even though they're validly recorded. They're working on a fix but no ETA. At least I can tell my lender the filing is definitely on record.

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Hugo Kass

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Typical Illinois - break the system and then take months to fix it. Glad you got confirmation though.

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Khalil Urso

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This is exactly the kind of situation where having a backup verification method like Certana.ai really pays off. You would have known immediately that your filing was valid instead of worrying for weeks.

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Felicity Bud

nebraska ucc search showing weird results - missing recent filings?

Has anyone else noticed issues with the nebraska ucc search system lately? I'm trying to verify some UCC-1 filings from last month and the search results seem incomplete. When I search by debtor name, I'm getting hits for older filings but missing some recent ones that I know were accepted. The filing numbers show up if I search directly by number, but the debtor name searches are inconsistent. This is causing problems because I need to confirm no prior liens exist before we can close on a equipment financing deal next week. Is this a known system glitch or am I doing something wrong with the search parameters?

Have you tried calling the Nebraska SOS filing office directly? Sometimes they can run searches on their end that are more comprehensive than the online system. Might be worth a phone call if you're on a tight deadline.

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I think there might be a small fee but it's usually worth it for the peace of mind on important deals. Plus they can often explain why certain filings might not be showing up in online searches.

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Arnav Bengali

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Good suggestion. The filing office staff usually know about any system issues that aren't publicly announced.

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Sayid Hassan

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This thread is making me nervous about a search I did last week. Now I'm wondering if I missed something! Maybe I should go back and double-check using some of these other strategies mentioned here.

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Sayid Hassan

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Yeah you're right. I'd rather spend an extra hour searching than deal with problems later if I missed a prior lien.

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Adrian Connor

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That's exactly the right attitude. I learned this the hard way but now I'm much more thorough with my searches. Also started using that Certana tool I mentioned earlier - it's helped catch several potential issues before they became problems.

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