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Just a heads up - Missouri updated some of their UCC provisions in the last few years. Make sure you're looking at current statutes, not older versions that might still show up in search results.
Owen Devar
•Good point. I made that mistake once and spent hours trying to comply with requirements that had been changed two years earlier.
The Missouri Secretary of State website should have the most current version, or you can check the official Missouri Revised Statutes database.
For your specific situation with the manufacturing equipment, I'd focus on getting the collateral description right in your Missouri filing and then monitoring the four-month rule for any extended stays in other states. The Missouri UCC statutes give you flexibility for temporary moves but you need to stay on top of the timing.
Molly Hansen
•Sounds like a lot of paperwork to track. Is there any software that helps manage this kind of thing?
Most asset management systems can track equipment locations. The key is having processes in place to trigger UCC filings when equipment stays in another state too long.
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Simon White
This thread helped me too - I was about to make the same mistake with that service termination form! Sometimes the state websites aren't as clear as they could be about what each form is actually for.
PaulineW
•Glad it helped! I felt pretty silly when I realized my confusion but apparently it's more common than I thought.
Simon White
•Definitely not just you - the terminology can be confusing when you're dealing with different types of terminations and services.
Hugo Kass
Update us when you get it filed! Always curious to hear how these processes go for people. And thanks for asking the question - probably saved several other people from the same confusion.
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Aisha Khan
Update us when you get it filed! These stories always make me nervous about my own filings.
Ravi Gupta
•Will do. Planning to file first thing Monday morning. Thanks everyone for the advice and moral support.
Omar Fawaz
•You got this! Just take your time with the details and don't let the panic make you rush.
Ethan Taylor
For anyone else reading this thread - if you're managing multiple UCC filings, consider setting up a calendar system or using software that tracks expiration dates automatically. This kind of mistake can be really costly.
I've seen law firms get sued for malpractice over missed continuation deadlines. It's serious business.
Zara Rashid
•That's terrifying. Makes me want to go check all my filings right now.
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Follow up on the document verification - it really helped me identify the exact issue. Once I knew the debtor name mismatch was the problem, SBA fixed it within 2 weeks. Before that I was just spinning my wheels for months.
Smart approach. Manual document comparison is where most people miss the critical details.
Exactly. The automated cross-check caught stuff I never would have noticed reading through everything myself.
Update us when you get it resolved! I'm sure other EIDL borrowers will run into this same issue.
Debra Bai
•Will do. Thanks everyone for the advice - gives me a clear action plan now.
These EIDL UCC issues are becoming more common as loans get paid off. Good to have solutions documented.
Leo Simmons
Just to clarify - when you say the system is rejecting it for debtor name discrepancies, are you getting this error during the online filing process, or are you submitting paper forms? The error handling is different for each method.
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Oliver Cheng
•I'm filing online through their electronic system. The rejection comes back within a few hours with just a generic 'debtor name mismatch' error.
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Leo Simmons
•Ok, that's actually good news. The online system is usually more specific about what's wrong. You might want to try calling their UCC department directly and asking them to walk through the exact error.
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Lindsey Fry
UPDATE: I finally got this resolved! Turns out the original UCC-1 had 'Midwest Construction Solutions, LLC' with a comma before LLC, but I was filing the continuation as 'Midwest Construction Solutions LLC' without the comma. Such a tiny difference but it was enough to cause the rejection. Thanks to everyone who suggested checking the original filing character by character.
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Felix Grigori
•Perfect example of why that document verification tool is so useful. It would have caught that comma difference immediately.
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Kevin Bell
•This is why I hate these county systems. A missing comma shouldn't be able to void a lien on $340K worth of equipment. But I'm glad you got it sorted out!
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