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Grace Durand

Georgia Secretary of State UCC Search showing wrong debtor name on filed documents

I'm dealing with a mess here and need some guidance. We completed a UCC-1 filing through the Georgia Secretary of State portal last month for a $180k equipment loan, but when I ran a UCC search today to verify everything went through correctly, the debtor name is showing up differently than what we originally submitted. The business name on our loan docs is 'Peachtree Medical Equipment LLC' but the Georgia SOS UCC search is displaying 'Peachtree Medical Equipment, LLC' - notice the comma before LLC. Our lender is now questioning whether the lien is properly perfected since the names don't match exactly. I double-checked our original UCC-1 form and we definitely submitted it without the comma. Has anyone dealt with the Georgia Secretary of State UCC search system automatically adding punctuation to business names? I'm worried this could void our security interest if the debtor name doesn't match the charter documents exactly. The filing shows as accepted but I'm not sure if this discrepancy will cause problems down the road.

Update for anyone following this thread: I decided to file the UCC-3 amendment to correct the debtor name. The Georgia Secretary of State processed it quickly and the UCC search now shows the correct name without the comma. Total cost was $25 for the amendment, which seemed reasonable for peace of mind on a $180k loan.

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Lily Young

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That's actually a pretty reasonable fee for the amendment. Some states charge much more.

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Glad it worked out. Now you know to double-check the UCC search results immediately after any Georgia filings.

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Wesley Hallow

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This thread has been really helpful. I do a lot of equipment financing and wasn't aware that Georgia's UCC system automatically formats names like this. I'll definitely be more careful about verification going forward.

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Justin Chang

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Same here. It's one of those quirks you don't learn about until it happens to you.

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Grace Thomas

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I'm going to bookmark this discussion for future reference. Great real-world example of UCC filing issues.

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Saleem Vaziri

Ohio UCC lookup showing incorrect debtor info - filing rejected twice

Has anyone dealt with Ohio UCC lookup results not matching what you actually filed? I submitted a UCC-1 for equipment financing last month and the Ohio SOS system keeps rejecting it. When I do the ohio ucc lookup to verify, it's showing a completely different debtor name than what's on my loan docs. The equipment dealer swears they gave me the right legal entity name but the lookup shows some variation I've never seen. This is holding up a $180K equipment purchase and my client is getting impatient. The rejection notices just say 'debtor name mismatch' but don't specify what they think it should be. Anyone know how to figure out what exact name Ohio wants without playing guessing games?

Nia Watson

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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.

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Nia Watson

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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.

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Ohio's system really needs better error messages. 'Debtor name mismatch' could mean so many different things.

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Marcus Marsh

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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.

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Marcus Marsh

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It's instant once you upload the documents. Much faster than calling around or trying different name variations.

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Saleem Vaziri

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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.

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Mei Chen

UCC 3 termination addendum filing confusion - need help

Having a nightmare with what should be a simple UCC-3 termination. Our borrower paid off their equipment loan last month and I need to file the termination statement. Problem is the original UCC-1 had an addendum with additional collateral descriptions that weren't in the main form. Now I'm not sure if I need to reference that addendum in my UCC-3 termination or if terminating the base filing automatically covers everything. The SOS website isn't clear and I don't want to mess this up because the borrower is already asking for their lien release letter. Anyone dealt with UCC 3 termination addendum situations before? Do I need to specifically mention the addendum in my termination filing or does terminating the main UCC-1 cover all attached addenda automatically?

Amina Sow

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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.

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GalaxyGazer

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Check your loan docs. We usually have 30 days contractually but legally there's no hard deadline.

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Oliver Wagner

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The longer you wait, the angrier borrowers get. I try to file within a week of payoff.

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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.

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Dylan Wright

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Great outcome. Just remember that verification tool I mentioned for future filings - really helps avoid document inconsistencies.

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Perfect! Another successful termination. These really should be simpler than they seem.

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Salim Nasir

UCC Filing System Down Again - SOS Portal Issues

Is anyone else having trouble with the UCC filing portal today? I've been trying to submit a continuation for the past 3 hours and keep getting error messages. The system keeps timing out during the payment process. This is the third time this month I've had issues with online filings. My continuation deadline is next week and I'm starting to panic. Has anyone found a workaround or alternative method when the portal is acting up? I called the help desk but they just said 'try again later' which isn't very helpful when you're dealing with a lapse situation.

Has anyone tried calling the office directly to see if they can process filings over the phone when the portal is down? I know some states have backup procedures for technical emergencies.

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I called earlier and they said online only during regular business hours. They might have emergency procedures but the front desk person didn't know about them.

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James Johnson

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Phone filing usually isn't available for UCC documents. Too much risk of data entry errors with all the specific legal descriptions and debtor information.

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Update: I just successfully submitted my continuation! The system is definitely working better now. For anyone still having issues, try clearing your browser cache completely and starting fresh. That seemed to help with the payment processing errors.

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Emma Bianchi

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Cache clearing is always good advice for portal issues. I do that automatically now before any filing session.

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Just submitted mine too! Thanks everyone for the tips and moral support. This forum is a lifesaver during these technical disasters.

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Liam O'Reilly

UCC database search showing wrong debtor info - need help verifying filing accuracy

Having a nightmare with our UCC database search results and hoping someone can point me in the right direction. We're trying to verify a UCC-1 filing from last month for a equipment financing deal, but when I search the state database using the debtor's exact legal name from our loan docs, I'm getting inconsistent results. Sometimes it shows up, sometimes it doesn't. The filing number we received shows as 'accepted' but the debtor name field in the search results looks slightly different from what we submitted. This is for a $280k excavator loan and our compliance team is freaking out that we might have a name mismatch that could void our security interest. Has anyone dealt with UCC database search inconsistencies like this? The SOS portal search function seems buggy and I'm worried we filed under the wrong debtor name variation. Need to figure out if this is a search system glitch or if we actually have a filing problem that needs a UCC-3 amendment.

This thread is making me paranoid about all our filings now lol. Going to have to go back and double-check everything.

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Chloe Delgado

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Don't let it stress you out too much. Most filings go through fine, these search issues are just frustrating when they happen.

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Ava Harris

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That's exactly why I started using the Certana verification tool - gives me peace of mind that everything matches up correctly without having to manually cross-check every detail.

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Nick Kravitz

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Following this thread because I'm sure I'll need this advice eventually. UCC filings always make me nervous.

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The key is just being systematic about double-checking your work. Most issues are fixable if you catch them early.

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Liam O'Reilly

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Thanks everyone for all the suggestions. Going to try the document verification approach first and then call the SOS office if needed. Will update once I figure out what's going on.

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