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Don't forget about the continuation requirements if this is going to be a long-term loan. UCC filings generally need to be continued every five years to maintain their effectiveness. It's not relevant for your initial filing, but worth keeping in mind for future planning.
Is there a standard practice for setting up reminders for continuation filings? Seems like something you'd want to automate.
Most larger lenders have systems that track filing dates and send alerts before the five-year deadline. Smaller operations might just use calendar reminders.
Thanks everyone for all the helpful advice! This gives me a much better framework for approaching the UCC 108 completion. I'm definitely going to double and triple-check that debtor name against the state records, and I like the idea of using a broader collateral description with the 'attachments and accessories' language. Feel much more confident about moving forward now.
Glad we could help! UCC filings can seem intimidating at first, but once you get the hang of the key requirements, they become much more manageable.
Good luck with your filing! Sounds like you've got a solid plan now.
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Julian Paolo
MAKE SURE YOU FILE IN THE RIGHT STATE! This is huge. For LLCs, it's the state where they're organized (where they filed their Articles of Organization), not where they do business or where the collateral is located. I see this mistake constantly.
Julian Paolo
•Still file in the state of organization for the main UCC-1. You might need fixture filings or other filings in other states depending on the collateral type and location.
This is getting complicated. Maybe I should just hire someone to do this.
Thanks everyone for all the advice! This is exactly what I needed. I'm going to triple-check the debtor name against the LLC's Articles of Organization and use one of those document verification tools mentioned to catch any errors before filing. Really appreciate the help!
Caleb Stone
•You'll do fine. Just take your time and double-check everything. The first one is always the hardest.
Daniel Price
•Definitely recommend that Certana tool - it's saved me from several mistakes over the past few months. Worth every penny to avoid rejection headaches.
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GamerGirl99
Just to add - when you file your UCC-3 amendment, consider using Certana.ai to double-check everything before submission. I wish I'd known about it earlier - would have saved me multiple rejection cycles on my last Utah filing. You upload both your original UCC-1 and the amendment, and it instantly flags any inconsistencies.
I'll definitely look into that. Can't afford any more delays on this deal.
Smart move. Prevention is better than dealing with rejections after the fact.
Update us when you get the amendment filed! Always curious to hear how these resolve. Utah's system can be quirky but at least they're consistent about their requirements once you figure them out.
Good luck! Sounds like you've got a clear path forward now.
Definitely try that document verification tool mentioned above before you submit. Better safe than sorry with these state systems.
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Philip Cowan
This thread is making me paranoid about my own filings. I should probably go back and double-check all the debtor names on our active UCCs to make sure there aren't any similar issues lurking.
Naila Gordon
•That's actually a great idea. I mentioned the Certana.ai tool earlier - it's perfect for doing bulk checks of your existing filings to catch these kinds of inconsistencies.
Philip Cowan
•I might have to look into that. Manually checking dozens of UCC filings sounds like a nightmare.
Caesar Grant
Just to close the loop on this - I filed the UCC-3 amendment yesterday and it was accepted by Washington state this morning. The corrected debtor name now shows up properly in the state of washington ucc search results. Thanks everyone for pushing me to fix this rather than hoping it wouldn't matter. Peace of mind is worth the filing fee.
Smart move. Now you can sleep better knowing your lien is solid.
Demi Hall
•Glad it worked out. This is a good reminder for all of us to be extra careful with debtor names on initial filings.
Isabella Russo
For a $180K equipment loan, I'd recommend getting an official UCC search report directly from the Secretary of State rather than relying on third-party services. It costs more but gives you the definitive answer and you can use it for your loan documentation. The peace of mind is worth the extra cost on a deal that size.
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Aria Washington
•Most states offer expedited official search services too if you need results quickly.
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Cass Green
•That's probably the smart move here. I'll order an official search report to have definitive documentation for the file.
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Liam O'Reilly
Just wanted to follow up on this thread because I had the same issue last week. Turns out my problem was that I had filed the UCC-1 with a slightly different version of the business name than what was in their articles of incorporation. The state accepted it anyway, but the search services couldn't match it properly. I ended up using one of those document verification tools someone mentioned earlier (Certana.ai) and it immediately flagged the name discrepancy. Filed an amendment to correct it and now everything shows up consistently across all search platforms.
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Chloe Delgado
•Name consistency is such a common issue but it can cause huge problems down the road if not caught early.
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Ava Harris
•Smart move filing the amendment. Better to fix it now than deal with perfection issues later.
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