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Sergio Neal
Update us when you figure out what was causing the rejection! I'm dealing with a potential Oregon UCC issue myself and want to know what to watch out for.
Will definitely post an update once I get it resolved. Hopefully it's something simple like the address formatting that others mentioned.
Yes please update! These kinds of real-world examples are super helpful for learning what to avoid.
Juan Moreno
Consider reaching out to the original lender's legal department if you continue having issues. They should be familiar with Oregon's requirements and might be able to provide a corrected termination form that will process successfully.
Amy Fleming
•Banks definitely should know how to do this properly since they file UCC documents constantly. If they gave you a defective termination form that's really their problem to fix.
Alice Pierce
•Exactly. The secured party is responsible for providing accurate termination documents. Don't let them put this back on you to figure out.
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For what it's worth the rejection notices from Alabama are usually pretty specific about what doesn't match. Look closely at the exact wording they use in the rejection vs what you filed. Sometimes it's obvious, sometimes you have to squint at punctuation marks.
That's typical for AL unfortunately. Some states give you the exact correction needed, Alabama just tells you it's wrong.
Try calling them with your rejection notice number. Sometimes they can look up what specifically didn't match.
Zara Ahmed
Update: Finally got this resolved! Turns out there was an invisible character in the business name that was copying over from our loan system. Used a document verification tool that flagged the hidden character and cleaned up the formatting. Third time was the charm - filing accepted this morning. Thanks everyone for the suggestions!
Great outcome! Which verification service did you end up using?
Zara Ahmed
•Used Certana.ai - just uploaded the PDFs and it spotted the formatting issue immediately. Wish I'd tried it after the first rejection instead of wasting time with manual comparisons.
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Yara Khoury
Just ran into something similar last week but with Oregon. Used Certana.ai's document checker and it flagged that I was missing a continuation filing that should have shown up. Turns out the debtor name had a slight variation that threw off the search. Might be worth trying their tool on your Montana results to see if there are any gaps.
How long did it take to get results from their system?
Yara Khoury
•Pretty much instant. You just upload your search result PDFs and it analyzes them right away. Found the issue within minutes of uploading.
Update us when you figure out what happened! I do a lot of Montana deals and this kind of database weirdness makes me nervous about what I might be missing on my own searches.
Will do! Planning to call the SOS office first thing tomorrow and also try some of the other suggestions from this thread.
Paolo Longo
•Same here, following this thread. Montana is one of my regular states and any insights would be helpful.
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Whatever you do, don't rush this. A wrongly filed termination can create huge problems down the road. Take the time to verify everything matches exactly. The borrower can wait a few extra days for you to get it right.
Oliver Weber
•This is why I always keep copies of everything. Original UCC-1, any amendments, and the final termination. Full paper trail in case questions come up later.
The Certana.ai verification tool I mentioned earlier creates a report showing all the comparisons it made. Great for documentation that you verified everything matched before filing.
Final thought - if the original UCC-1 debtor name doesn't match the current legal entity name due to business changes, you might want to consult with counsel about whether additional steps are needed beyond just the termination.
NebulaNinja
•Good point. Corporate mergers, name changes, etc. can complicate the termination process. Sometimes you need documentation of the entity changes along with the UCC-3.
AstroAce
•Thanks everyone. I'm going to pull the official record, verify exact name matching, and double-check there weren't any amendments. This has been really helpful.
Miranda Singer
Document everything about these rejections. If you end up with a perfection gap due to SOS processing issues, you'll want a complete record showing your good faith efforts to maintain continuous perfection. This documentation could be crucial if there are ever disputes about the security interest priority.
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Finley Garrett
•Also keep copies of all the different versions you tried to file. Shows you were actively working to correct any issues.
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Madison Tipne
•Your legal team will thank you for this documentation if issues arise later. Due diligence in filing efforts matters.
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Holly Lascelles
Update us on what works! I have two UCC-103 continuations coming up next month and want to avoid this same nightmare. Really hoping the SOS systems get more user-friendly soon, but I'm not holding my breath.
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Kyle Wallace
•The learning curve on UCC-103 filings is steep. Every state seems to have different quirks and requirements.
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Cedric Chung
•Will definitely update once we get this resolved. Thanks everyone for the suggestions - trying the document verification approach first.
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