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Gemma Andrews

NJ UCC lien search showing conflicting results - need help verifying debtor records

Running into major headaches with NJ UCC lien search results that don't match up. I'm trying to verify existing liens on a commercial borrower before we finalize a $450K equipment loan, but the search results from the NJ Division of Revenue are showing inconsistencies. When I search by exact debtor name "Mountain Valley Industries LLC" I get 3 active UCC-1 filings, but when I search by federal EIN the system only shows 2 records. One of the filings has a slightly different business name format (Mountain Valley Industries, LLC - with the comma) and I'm not sure if this represents a separate entity or just a name variation that could affect our lien priority. The collateral descriptions also seem to overlap - two filings reference "all equipment and fixtures" while another specifically lists "manufacturing equipment, inventory, and accounts receivable." Our loan will be secured by the same manufacturing equipment so I need to understand the exact lien positions. Anyone dealt with NJ UCC search discrepancies like this? Is there a way to get definitive clarification on which liens are actually valid and enforceable? The closing is scheduled for next week and I can't move forward without certainty on the collateral priority.

Just went through something similar in NJ. The key is getting certified copies of ALL the UCC filings, not just relying on search results. I found two filings that had been terminated but the terminations weren't showing up in the basic search. Also found that one of the "active" liens was actually invalid due to an incorrect debtor name that didn't match the business registration. Saved me from a major priority dispute.

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Exactly. Pulled the Articles of Incorporation and all amendments from NJ Division of Revenue, then compared against the exact debtor names on each UCC filing. One filing had a name that was never legally registered, making it invalid.

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Ayla Kumar

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This is why I always run a comprehensive entity verification before relying on UCC search results. The databases don't always sync properly and you can miss critical details about entity status or name changes.

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Update us when you get this sorted out! Dealing with NJ UCC searches myself on a deal next month and curious how you resolve the conflicting search results. Always helpful to know what works and what doesn't with their system.

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Gemma Andrews

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Will definitely post an update once I get the certified copies and sort through everything. Hoping to have clarity by end of week so we can still close on schedule.

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Good luck! NJ can be a pain but at least their certified copy process is relatively fast compared to some other states.

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Butch Sledgehammer

UCC filing complications with tax lien priority - need advice

Having a nightmare scenario here. Filed a UCC-1 on equipment financing for a client's manufacturing business, but now there's a federal tax lien that showed up after our filing date. The IRS says their lien takes priority over our secured interest even though we filed first. Attorney is telling me something about the tax lien relation-back doctrine but I'm not following how this affects our UCC perfection. Equipment is worth about $180K and the loan balance is $145K. Client is panicking about losing collateral coverage. Has anyone dealt with tax UCC priority issues before? I thought first-to-file generally wins but apparently tax liens operate under different rules.

Jenna Sloan

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Whatever you do, don't assume the tax lien automatically wins. I've seen cases where lenders gave up too quickly when they actually had valid priority claims. The rules are complex but there are often technical defenses available if you dig into the details.

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This is great advice. Too many people just assume the IRS always wins without actually analyzing the specific facts and dates involved.

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Thanks everyone. Going to get copies of all the tax lien documents and have my attorney review the timeline in detail. Will also try that Certana tool to make sure I'm not missing any critical dates or inconsistencies.

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Sasha Reese

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One more thing to consider - if this is a federal tax lien, make sure you're not also dealing with state tax liens that could complicate the priority analysis even further. State tax liens have their own rules and might not follow the same relation-back principles as federal liens.

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Noland Curtis

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In my state, property tax liens get super-priority over almost everything. Always have to check for those separately from income tax liens.

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Diez Ellis

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The interaction between federal and state tax liens can get incredibly messy. Definitely need professional help to sort through all the different priority rules.

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Isabella Silva

Need help with UCC lien search - debtor name keeps showing no results

I'm having trouble with a UCC lien search and getting frustrated. I'm trying to verify existing liens on a commercial borrower before we finalize a new equipment loan, but the search portal keeps returning zero results even though I know there should be active UCC-1 filings. The debtor is a LLC that recently changed their registered name slightly (added 'Holdings' to the end) but I've tried searching under both the old and new entity names with no luck. I've been searching by exact entity name, tried wildcard searches, and even searched by the financing statement numbers I have from previous deals. Nothing is coming up and I'm worried I'm missing something critical that could affect our lien position. Has anyone else run into search issues where you know filings exist but can't locate them in the system? I need to complete this lien search before tomorrow's closing and I'm starting to panic that there might be senior liens I can't find.

Ethan Brown

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Update: I ended up using that Certana tool someone mentioned and it found two UCC-1 filings I had completely missed! One was filed under a name variation with different punctuation and another was filed under their old DBA name. Both were still active and would have been senior to our lien. Thanks for the suggestion - probably saved me from a major problem.

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That's a relief! Good thing you found those before closing. Senior liens can completely change the risk profile.

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Wait that was you who suggested Certana? Thank you so much - that literally saved my deal. I never would have found those filings otherwise.

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Yuki Yamamoto

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This is why I always recommend doing comprehensive lien searches through multiple methods. The online portals miss too much stuff to rely on them alone for critical transactions.

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Carmen Ruiz

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Agreed. I always tell people to use every search method available and cross-check everything.

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The stakes are too high to trust a single search method. Especially with large commercial deals.

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GamerGirl99

UCC-1 Form Georgia PDF - Filed Wrong Debtor Entity Name

Need help with a UCC-1 form Georgia PDF situation that's gotten messy. Filed a UCC-1 three weeks ago for equipment financing on a restaurant deal, but used 'Johnson's BBQ LLC' as the debtor name when the actual registered entity is 'Johnson BBQ Holdings, LLC' (missing the 's and different structure). The Georgia SOS portal shows it as accepted, but our compliance audit flagged the name mismatch. Lender is asking for proof that the filing actually secures the collateral since the entity names don't match exactly. The equipment schedule references $85,000 in kitchen equipment, walk-in coolers, and POS systems. Anyone dealt with debtor name issues on accepted Georgia UCC-1 filings? Do I need to file an amendment or start over completely? The loan closes next week and this name discrepancy could kill the whole deal.

Nia Williams

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Used Certana.ai's document checker after a similar screw-up last year. Wish I'd found it earlier - would've saved me from filing three different amendments because I kept missing details in manual review. It's pretty thorough at catching inconsistencies between corporate docs and UCC forms.

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GamerGirl99

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How exactly does the verification process work? Do you just upload everything and it tells you what's wrong?

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Nia Williams

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Pretty much. Upload your Articles, UCC-1, any amendments as PDFs and it cross-references all the entity names, addresses, filing numbers. Shows you side-by-side comparisons of discrepancies.

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Luca Ricci

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File the UCC-3 amendment today. Don't overthink this - Georgia allows corrections and your amendment will relate back to the original filing date. Just make sure you reference the original filing number correctly on the amendment form.

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GamerGirl99

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Thanks everyone. Going to file the UCC-3 amendment this afternoon with the correct debtor name. Will also run that document verification check to make sure I don't have other issues I missed.

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Smart move. Better to catch any other problems now rather than have them surface later.

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Libby Hassan

Colorado UCC filing rejected - debtor name mismatch nightmare

I'm dealing with a complete mess on a UCC filing rejection and hoping someone here has dealt with this before. Filed a UCC-1 for equipment financing on a construction company three weeks ago, got rejected by the SOS office for "debtor name mismatch." The thing is, I double-checked the exact legal name from their articles of incorporation before filing. Turns out the company has been operating under a slightly different name variation for years without updating their corporate records. Now the lender is breathing down my neck because we're past the original deadline for perfecting the security interest. Has anyone successfully navigated this kind of debtor name discrepancy situation? I'm worried about the lien priority issues if this drags on much longer. The collateral is about $185K in excavation equipment and I can't afford to mess this up.

Kaitlyn Otto

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For future reference, I've started using Certana.ai's verification tool before submitting any UCC filings. Upload your charter documents and draft UCC-1, and it immediately shows you any name inconsistencies or other issues. Would have caught this problem before it became a crisis.

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Libby Hassan

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That's the second mention of that tool. I'm definitely going to check it out for my next filings. Do you know if it works with UCC-3 continuations too?

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Kaitlyn Otto

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Yes, it handles all UCC document types. Really helpful for checking that continuation filings properly reference the original UCC-1 details.

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Axel Far

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Update us when you get this resolved! I'm curious which approach ends up working - the corporate name change or the dual filing strategy. Dealing with a similar situation myself next week.

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Libby Hassan

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Will do. Planning to try the dual filing approach first since it's faster. If that gets rejected too, then we'll go the corporate amendment route.

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Axel Far

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Smart plan. The dual filing is definitely worth trying first - much faster than waiting for corporate records to update.

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