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Tasia Synder
Whatever you do, don't wait until the last minute to resubmit. Give yourself at least a week buffer before your continuation deadline in case there are more issues to resolve.
Emma Morales
•I have about 3 weeks left. Hopefully that's enough time to figure this out and get it accepted.
Three weeks should be plenty if you can identify the exact issue quickly. Just don't let it drag on.
Ellie Perry
Update us when you get it resolved! These Arizona filing horror stories help everyone learn what to watch out for.
Emma Morales
•Will do. Hopefully I'll have good news to report soon. Thanks everyone for the help - at least now I know where to start looking.
Good luck! Arizona can be frustrating but once you know their quirks it gets easier.
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This whole thread is a perfect example of why UCC filing is more complicated than people think. You can't just copy names from loan documents and assume they'll match what the state has on file. Due diligence on the front end saves so much headache later.
Joy Olmedo
•That's a scary thought. How many liens out there do you think have name issues that nobody has caught yet?
Probably more than we'd like to think. That's why regular audits and verification tools are becoming essential, not optional.
Isaiah Cross
Thanks for posting this question and the follow-up. I'm dealing with a similar situation in South Carolina and this thread gave me the roadmap to resolve it. Going to call the UCC division tomorrow before submitting anything.
Kiara Greene
•Good luck! Make sure you have the entity ID number ready when you call - they can look it up faster that way.
Evelyn Kelly
•Let us know how it goes. Always helpful to hear about other people's experiences with the SC office.
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Fiona Sand
Are you working with a service company for this UCC assignment or filing directly? Sometimes they catch these debtor name issues before submission.
We usually file directly through the state portal. Maybe we should consider using a service for complex accounts receivable assignments.
Services can help but they're not foolproof either. I've had them miss things too.
The key thing with accounts receivable UCC assignments is getting that debtor name exactly right from the start. I learned this the hard way on a $2M credit facility last year. Now I triple-check everything before any accounts receivable filing goes out.
Triple-checking is right. These UCC assignment errors can kill deals.
Especially with accounts receivable as collateral - there's usually time pressure from the borrower.
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Amina Diallo
Just want to add another vote for using some kind of document checking tool for future filings. I started using Certana.ai after making a similar mistake and it's caught several potential issues before they became problems. The automated cross-checking between loan docs and UCC filings is really thorough.
Amina Diallo
•I think it makes sense for anyone who can't afford filing mistakes. Even if you only do a few UCCs per month, one error on a big loan could cost way more than the tool.
Agree completely. Prevention is always cheaper than fixing mistakes after the fact.
Javier Cruz
UPDATE: I went ahead and filed the UCC-3 amendment this morning with the correct debtor name format (including the comma). The filing was accepted and should be effective immediately. I also reached out to NFS and they confirmed they had noticed the discrepancy and were planning to request an amendment anyway, so I'm glad I was proactive about it. Thanks everyone for the advice and reassurance!
Perfect resolution. And definitely consider using some kind of document verification for future filings - it really does save a lot of stress.
Good outcome but still frustrated that this kind of thing is even an issue in the first place. Glad you got it sorted though.
Everett Tutum
I had a similar mess with Fulton County last year. Turned out my organizational documents had the debtor name slightly different than what I thought. The Articles of Incorporation had 'Atlanta Equipment Leasing, LLC' but the EIN application had 'Atlanta Equipment Leasing LLC' without the comma. The UCC office goes by the Articles of Incorporation for LLCs.
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Everett Tutum
•Yeah, that's probably your issue right there. The Secretary of State database should have the exact name format they have on file.
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Sunny Wang
•You can usually look up the exact registered name format on the Georgia Secretary of State business search website. That'll show you exactly how they have it formatted in their system.
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Hugh Intensity
Update us when you get it resolved! I'm dealing with a similar situation in Gwinnett County and want to see what actually works.
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Collins Angel
•Will do. Planning to resubmit tomorrow with all the corrections. Fingers crossed this is the last time I have to deal with this.
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Effie Alexander
•Good luck! The UCC filing process shouldn't be this complicated but here we are.
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