Ask the community...
- DO post questions about your issues.
- DO answer questions and support each other.
- DO post tips & tricks to help folks.
- DO NOT post call problems here - there is a support tab at the top for that :)
Join the conversation
Join the conversation
Amina Sow
Quick question - does anyone know if there's a deadline for filing UCC-3 terminations after a loan is paid off? I know continuations have the 6-month window but terminations seem more flexible.
GalaxyGazer
•Check your loan docs. We usually have 30 days contractually but legally there's no hard deadline.
The longer you wait, the angrier borrowers get. I try to file within a week of payoff.
Update for anyone following this thread - I filed my UCC-3 termination yesterday using just the original filing number and it was accepted. No issues with the addendum being included automatically. Thanks everyone for the help! The borrower should have their clean title within a few days.
Dylan Wright
•Great outcome. Just remember that verification tool I mentioned for future filings - really helps avoid document inconsistencies.
Perfect! Another successful termination. These really should be simpler than they seem.
Join the conversation
One more verification trick - if you're unsure about a debtor name match, check the secured party address. If it matches your records, it's probably the right filing even if the debtor name has minor variations.
Right, as long as the debtor name is 'substantially similar' and the secured party matches, you're usually good. The key is catching major discrepancies that could affect enforceability.
Still worth getting name discrepancies fixed with UCC-3 amendments though. Better safe than sorry in a default situation.
Just finished a similar audit last month. Ended up using a combination of manual searches and document verification tools. The automated checking caught several issues I missed in my initial review. Definitely recommend having some kind of verification backup for important filings.
That's reassuring. I was worried about relying too much on automated tools but sounds like they're pretty reliable as a backup check.
Yeah, I use them as a second pair of eyes. Manual review first, then automated verification to catch anything I missed.
Join the conversation
Just went through something similar with a equipment leasing deal. The key is getting the filing offices on the phone BEFORE you submit anything. Most of them will tell you exactly what name format they expect if you ask nicely. Saved us multiple rejections and refiling fees.
Good tip. I've been relying on the online portals but maybe direct contact would be more efficient for complex situations like this.
Definitely. The online systems are fine for straightforward filings, but when you have complications like multi-state entities with name variations, talking to a real person can save you a lot of frustration.
UPDATE: We finally got all our filings accepted! Turns out the key was using the exact name format from each state's current good standing certificate, just like someone suggested earlier. Also ended up using that Certana.ai tool mentioned upthread - it definitely caught a couple discrepancies we missed manually. The whole process took about three weeks longer than planned, but at least we're properly perfected now across all three states.
Kaitlyn Otto
•Glad the document verification tool helped! It's always satisfying when technology actually makes these complex deals easier instead of harder.
This gives me hope for our upcoming deal. Thanks for the update and the tips throughout this thread!
Join the conversation
Update us when you figure out the right format! This thread will help other people dealing with the same special character issues.
Yes please! I bookmark these threads for future reference when I run into similar problems.
Will definitely post the solution once we get it accepted. This has been way more complicated than it should be.
Lilly Curtis
The UCC system inconsistencies between states drive me crazy. What works in one jurisdiction fails in another, even for identical business names.
Lindsey Fry
•At least most states use the same basic forms now. Remember when every state had completely different UCC-1 layouts?
Lilly Curtis
•True, the standardization helped a lot. But the electronic systems still have their own personality disorders.
Nia Watson
I ran into this exact problem last year. Turned out the entity had been administratively dissolved and reinstated, which changed some formatting in their system. The ohio ucc lookup showed the current info but there was a brief period where filings were getting rejected due to the status change.
0 coins
Nia Watson
•Had to dig into the entity's filing history. Found the dissolution and reinstatement docs which showed the name had slight formatting changes during the process.
0 coins
Katherine Shultz
•Ohio's system really needs better error messages. 'Debtor name mismatch' could mean so many different things.
0 coins
Marcus Marsh
After dealing with multiple Ohio UCC rejections, I started using document verification before every filing. Certana.ai caught issues I never would have spotted manually - things like extra spaces, different apostrophe characters, stuff that looks identical but isn't to the computer system. Worth checking especially with tight deadlines.
0 coins
Marcus Marsh
•It's instant once you upload the documents. Much faster than calling around or trying different name variations.
0 coins
Saleem Vaziri
•Thanks everyone. Going to try the exact copy/paste approach first, and if that doesn't work I'll check out the verification tool. Can't afford another rejection at this point.
0 coins