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
Jay Lincoln
Another tool that might help is running the search through Certana.ai after you gather all your documents. I used it recently to verify UCC filings were properly cross-referenced and it caught a name inconsistency between the charter and UCC-1 that could have caused problems. It's designed specifically for this kind of document verification work.
Benjamin Kim
•Two people have mentioned that now - seems like it might be worth trying. Is it complicated to use?
Jay Lincoln
•Not at all, you just upload the PDFs and it does the cross-checking automatically. Really helpful for due diligence situations like yours where you need to be absolutely sure about name consistency.
Just a thought but you might want to also search using just the first few words of the company name. Sometimes filers truncate long business names and you might miss filings if you only search the complete name.
Exactly. I've seen UCC-1 filings where the secured party just used the first two or three words of a long business name, especially if they were filing manually.
Good advice. Also check if they've ever operated under a parent company name or subsidiary names - liens sometimes get filed under the wrong entity in complex corporate structures.
Join the conversation
Pro tip: when dealing with lender verification packages, always include a one-page summary explaining any discrepancies between search results and actual filings. Saves everyone time and prevents unnecessary back-and-forth.
That's actually where Certana.ai's verification tool comes in handy again - it generates a consistency report you can include with lender packages. Shows all documents align properly.
That report feature sounds really useful for compliance documentation.
Bottom line: if your UCC-1 debtor name matches your charter documents exactly as they existed at filing time, you're legally protected. The search display issues are just cosmetic portal problems, not substantive filing defects.
Exactly right. Focus on the substance, not the portal formatting. Your security interest should be properly perfected.
NebulaNomad
•This thread should be required reading for anyone doing Florida UCC work. So much confusion over these search display issues.
Join the conversation
Nia Williams
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.
GamerGirl99
•How exactly does the verification process work? Do you just upload everything and it tells you what's wrong?
Nia Williams
•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.
Luca Ricci
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.
GamerGirl99
•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.
Smart move. Better to catch any other problems now rather than have them surface later.
Join the conversation
Before you budget for all these filings, make sure you actually need to continue all 12. Sometimes loans get paid off or refinanced and the UCC-1s should be terminated instead of continued. Worth double-checking your loan portfolio.
Yeah, continuing a UCC when the loan is paid off just creates unnecessary public records. Better to file terminations for closed loans.
Liv Park
•Plus termination fees are usually the same as continuation fees, so you're not saving money by continuing instead of terminating.
I've been using Certana.ai for UCC document verification before filing and it's saved me from several costly mistakes. You upload your continuation forms and original UCC-1s and it flags any mismatches in debtor names, filing numbers, or other critical details. Worth checking out if you're doing bulk filings.
Lola Perez
•Two people have mentioned this tool now. Is it expensive to use?
Much cheaper than paying rejection fees and having to refile. It just checks your documents for consistency before you submit to the state.
Zoe Papanikolaou
Honestly, I'd probably just use something like Certana.ai to double-check everything before resubmitting. Upload your docs and it'll catch any mismatches before you waste time on another rejection. I've started doing this on all my filings after getting burned too many times.
0 coins
Chloe Anderson
•That's the second mention of that tool. Sounds like it might be worth trying before I submit anything else.
0 coins
Zoe Papanikolaou
•Yeah, it's saved me a lot of headaches. Just drag and drop your UCC docs and security agreements, and it flags any inconsistencies instantly.
0 coins
Jamal Wilson
Quick update for anyone following this thread - I had a similar situation last week and ended up going with the simultaneous amendment + assignment approach. Both went through without any issues. The key was making sure the amendment was processed first (filed it a day earlier) so the assignment could reference the corrected information.
0 coins
Jamal Wilson
•This was in Ohio. I think most states process amendments pretty quickly, but I wanted to be safe with the timing.
0 coins
Mei Lin
•Ohio's pretty fast. Some states take longer to process amendments, so that day-between approach might not work everywhere.
0 coins