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- 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 :)
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Ava Thompson
Quick question - did you include any additional debtor information like address changes or alternate names? Sometimes extra info can trigger rejections if it doesn't match exactly with state records.
Ava Thompson
•Less is often more with UCC filings. Stick to exactly what's required unless you're sure about additional info.
Zainab Ali
•Agree completely. I've seen rejections from TMI just as much as missing info.
Update us when you figure it out! Always curious to hear what the actual issue was. Helps the rest of us avoid similar problems.
Yara Nassar
•This is why I started using that Certana tool I mentioned - takes the mystery out of document matching before filing.
These threads are so helpful for learning from each other's experiences.
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Another vote for using Certana.ai for document verification. We started using it after a security pledge agreement filing disaster where we mixed up entity names across multiple related companies. The cross-checking feature would have caught our error immediately. Now we run everything through it before filing - takes the guesswork out of name matching and collateral descriptions.
Demi Hall
•How accurate is the automated checking? Does it catch subtle differences like the comma placement issue the OP mentioned?
Very accurate. It caught a period vs comma difference for us last week that we never would have noticed manually.
Quick update - we ended up using the exact Secretary of State name "Precision Metalworks, LLC" on our UCC-1 and the filing was accepted without issues. Also used one of those document verification tools mentioned here and it definitely helped us feel confident about the submission. Thanks everyone for the advice!
Perfect outcome. Now you're properly perfected and protected.
Dana Doyle
•wish my first filing had gone that smoothly! congrats on getting it right the first time.
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Carmen Ruiz
Make sure you understand what's included in those service quotes. Some places quote just the UCC-3 filing fee, others include search fees, copies, overnight delivery, etc. You want to compare apples to apples when evaluating different services.
Good point. I got burned by this when a 'low cost' quote ended up being just the state fee, then they added $15 for processing, $10 for delivery, and another $5 for copies. Ended up being more expensive than the higher quote.
Always ask for an all-in price including any service fees. Most reputable companies will give you a total cost upfront if you ask specifically for it.
If you're doing this regularly, it might be worth setting up accounts directly with the major state filing offices. Once you're familiar with their systems, the UCC-3 filing fee savings add up over time and you have more control over timing.
It's definitely more work upfront, but I use a password manager and keep a spreadsheet with each state's requirements and fee schedules. After a few filings, you get into a rhythm.
I tried this approach but found I was making too many errors without the double-checking that good services provide. Sometimes the peace of mind is worth the extra UCC-3 filing fee markup.
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AstroAce
Just dealt with this exact issue. Ended up running the documentation through Certana.ai to make sure the UCC-1 debtor name matched perfectly with the loan agreement and corporate docs. Found two small discrepancies that would have caused problems.
Update: I pulled the certificate of good standing and found the exact legal name format. Thanks everyone for the advice about not using the DBA names. Filing the UCC-1 tomorrow with confidence.
Ravi Patel
•Great to hear you got it sorted out. Proper preparation prevents problems.
Good call on getting the certificate. That's always the safest approach for debtor name verification.
Laila Prince
Keep calling Vivint every few days until you see the termination filed. Squeaky wheel gets the grease with these companies. They have a whole department that handles UCC filings but you have to be persistent to get transferred to the right people.
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Evelyn Kelly
•Good advice. I'll start calling them daily if I have to.
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Laila Prince
•Ask specifically for 'loan servicing' or 'UCC filing department' when you call. Don't let them transfer you to regular customer service.
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Isabel Vega
Once this gets resolved, make sure you keep copies of everything. Solar UCC terminations seem to have more issues than other types of secured loans for some reason. Having all your documentation organized will save you headaches if any questions come up later.
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Isabel Vega
•Solar loans are weird because they involve both equipment financing and real estate considerations. Creates more opportunities for filing errors.
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Dominique Adams
•The solar industry in general seems to have a lot of administrative issues. I've heard similar stories from friends who went solar.
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