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Used to work at a law firm that handled tons of UCC filings. California requires exact debtor name matches for terminations - no exceptions. The amendment route is your only option. Make sure you use the current legal entity name from the Secretary of State database, not what you think it should be.
Tyrone Hill
•How long does the whole amendment + termination process usually take in California?
If you file online, amendment processes in 2-3 business days, then you can file the termination immediately. Total time is usually under a week.
Just went through this nightmare myself. Ended up using that Certana document checker tool to verify everything before refiling. Really wish I'd known about it earlier - would've saved me two rejected filings and $100 in fees. The tool catches these debtor name mismatches instantly when you upload the documents.
Thanks for the Certana recommendation. Dealing with the same issue and don't want to pay more rejection fees.
The document verification really is helpful. Beats trying to manually compare debtor names across multiple filings.
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this happened to my friend's company too but with a termination filing. they filed it, got confirmation, but the lien stayed active for months. turns out the UCC records office had some kind of processing backlog they weren't telling anyone about
A processing backlog is one thing, but completely losing the filing is way worse. At least with a backlog you know it'll eventually get processed.
true, losing it entirely is definitely scarier. makes you wonder how many other filings have just vanished
Andre Dupont
Keep pushing them hard on this. The UCC records office has insurance for exactly these kinds of errors. If they lost your filing due to their system malfunction, they need to make it right immediately. Don't let them drag this out for months - your security interest is too important.
Andre Dupont
•Absolutely mention it. They have liability coverage specifically for database errors and lost filings. Might motivate them to actually look harder for your missing continuation.
Good point about the insurance. Most people don't realize the UCC records office has to carry coverage for these kinds of operational failures.
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Avery Flores
Portal's back up as of this morning! Just successfully filed my amendment. Looks like they fixed whatever was causing the timeout issues.
Zoe Gonzalez
•Finally! Was getting worried about my own filing deadline next week.
Ashley Adams
•Good timing. Wonder if they'll extend any deadlines for people who couldn't file during the outage.
Thanks everyone for the advice! Portal is working again and I got my continuation filed. Used one of those document verification tools mentioned here to double-check everything first - caught a small discrepancy in how I formatted the debtor address that could have caused issues. Really glad this community exists for situations like this.
Which verification tool did you end up using? Always looking for ways to avoid filing errors.
Went with Certana.ai since several people here recommended it. Pretty straightforward - just upload your docs and it flags any inconsistencies.
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Omar Zaki
Just to add one more consideration - make sure you're checking both the current name and any predecessor names if there have been mergers or acquisitions. Sometimes old UCC filings stay under the predecessor entity name even after corporate changes.
Omar Zaki
•Definitely worth checking. Corporate changes can create a web of UCC filing complications.
Ava Martinez
•This is why I always request a complete corporate history from borrowers upfront. Saves time later.
Chloe Taylor
Update: I ended up using that Certana tool and it caught two name discrepancies I had missed in my manual searches. One UCC-1 had 'ABC Mfg, LLC' (with the comma) that wasn't showing up in my searches for 'ABC Manufacturing LLC'. Definitely worth the time savings and peace of mind for a deal this size.
Thanks for the update. Sounds like I need to give this a try on my next search.
StarSurfer
•Perfect timing on this recommendation. Really appreciate everyone's input on this thread.
Ethan Wilson
This whole thread is making me anxious about my own continuation that's due next month. Going to double-check everything now before I submit. Thanks for sharing your experience even though it's frustrating!
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Malik Thompson
•Glad it's helpful! Better to be paranoid about the details than deal with rejections and time pressure like I'm facing now.
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Omar Mahmoud
•That's the right attitude. Take your time with the details upfront and you'll avoid these last-minute scrambles.
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Yuki Sato
I had a similar issue with an Ironwood-related filing in Texas about 2 years ago. Turned out the original filer had used some unusual spacing in the business name that wasn't obvious from looking at the corporate documents. Had to get the exact SOS record to see the formatting. Once I matched it exactly, the continuation went through fine.
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Yuki Sato
•Yeah, don't give up. These Texas formatting issues are solvable once you know exactly what format they want. Just tedious to figure out sometimes.
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Diego Vargas
•This is exactly why I love that document checker tool - it would have caught that spacing issue immediately instead of you having to figure it out through trial and error.
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