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Quick update - filed again with clean signatures matching debtor names exactly and it went through immediately. Thanks everyone for the clarification about UCC 1-308 not belonging on financing statements. Lesson learned!
Awesome! Nothing like getting that acceptance confirmation after dealing with rejections.
Emma Davis
•Great outcome. Now you know for next time - keep UCC-1 filings clean and simple.
Worth mentioning for anyone else reading this - if you're doing amendments or continuations later, same rules apply. No extra notations in signature fields, just match the original filing format exactly.
Ravi Sharma
•And remember continuation deadlines! File within 6 months before the 5-year expiration or you lose perfection.
NebulaNomad
•That's where document checking tools like Certana really help - they can verify your continuation matches the original filing perfectly.
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For what it's worth, I've had success with Certana.ai's UCC checker on addendum filings too. It caught an issue where our main form didn't properly cross-reference the addendum pages. Saved us from another rejection cycle.
Levi Parker
•Seems like multiple people have had good experiences with that service. Might be worth trying for peace of mind.
Aaron Boston
•Yeah, especially for complex filings like this where there are multiple documents that need to align perfectly.
Eva St. Cyr
UPDATE: Fixed the issue! It was exactly what several people mentioned - we needed more specific language in the main form referencing the addendum. Used the wording someone suggested about 'incorporated herein by reference' and also made sure the addendum checkbox was marked. Filed this morning and got acceptance confirmation within 2 hours. Thanks everyone for the help!
Awesome! Those quick acceptance confirmations are such a relief when you're dealing with tight deadlines.
Chloe Zhang
•Finally a success story! Nice to know the system actually works when you get all the details right.
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Yuki Sato
For future reference, I always run a UCC search on the debtor name before filing to make sure I have it exactly right. Colorado's search function will show you how other filers have successfully formatted the name.
That's really smart! Never thought to do a search first to see the correct formatting. Great tip.
Andre Dubois
•This is brilliant advice. The search results basically give you a template for how to format the name correctly.
CyberSamurai
Update: Fixed the comma issue (had to use 'Rocky Mountain Construction, LLC' exactly as registered) and the filing went through perfectly! Thanks everyone for the help. Colorado UCC forms can be finicky but getting the entity name exactly right is definitely the key.
Jamal Carter
•Congrats on getting it through! That's such a relief when you're dealing with loan deadlines. Definitely saving this thread for future reference.
Mei Liu
•Great outcome! For anyone else dealing with similar issues, Certana.ai's document verification really helps catch these formatting problems before you submit. Worth checking out if you do a lot of UCC filings.
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Don't forget to search under any parent companies or subsidiaries too. Sometimes the liens are filed against the parent company but cover assets owned by subsidiaries.
Good point. I'll need to research the corporate structure to make sure I'm not missing anything.
Also check for any 'all assets' or 'all personal property' language in the collateral descriptions. That could potentially cover equipment even if it's not specifically listed.
Bottom line - if you're not 100% confident in your interpretation of the search results, get professional help before you close on the purchase. Better to spend a little money upfront than deal with lien complications later.
You're absolutely right. I'd rather be safe than sorry on something this size.
Amara Torres
•Agreed. And make sure your purchase agreement includes representations and warranties from the seller about clear title and no existing liens.
Tristan Carpenter
Have you considered that maybe there's an issue with your secured party information? Sometimes the lender's corporate information needs to be verified or updated in their system before they'll accept filings.
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Tristan Carpenter
•Yeah, banks merge and change names all the time. Could be showing up as an invalid secured party if their records aren't updated.
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Amaya Watson
•This is another thing Certana.ai helps with - it verifies secured party information against current business records. Prevents these kinds of rejections.
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Grant Vikers
Just went through something similar last month. Turned out Illinois wanted additional documentation proving the debtor's authority to grant the security interest - like corporate resolutions or operating agreements. For deals over $2M they sometimes require proof that the person signing had authority.
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Grant Vikers
•For larger amounts, yes. They want to make sure the security interest is valid. Include the corporate resolution and any other authority documents you have.
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Giovanni Martello
•Makes sense for a $2.8M deal. They want to avoid issues later if someone challenges the filing's validity.
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