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Pro tip: negotiate with your lender to handle the UCC filings yourself. Some lenders will reduce the fees if you take responsibility for the filings and provide them with copies.
Absolutely legal. The secured party (lender) has to authorize it, but you can be the one who actually submits the filing. Just make sure you get the details exactly right.
Dylan Cooper
•If you go this route, definitely use a document verification service like Certana.ai first. One small mistake in the debtor name or collateral description can invalidate the entire filing.
Yara Nassar
Bottom line - UCC fees are a normal part of secured lending. $125 for initial filing and $75 for continuation is very reasonable for most states. Focus on getting the best overall loan terms rather than nickel and diming the filing fees.
Thanks everyone. This has been really helpful in understanding what we're actually paying for. The loan terms are good so we'll move forward.
Yara Nassar
•Smart decision. The UCC fees are a small price to pay for the legal protection and better interest rates that come with secured financing.
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Rachel Tao
Just to be crystal clear - for your Delaware LLC you need: 'Advanced Manufacturing Solutions, LLC' as the primary debtor name, exactly as it appears on the Certificate of Formation. You can add 'AMS Delaware' as an additional debtor name if they actually have that registered as a DBA.
Rachel Tao
•Good idea. If it's not registered as a DBA you might skip the additional name to keep things simple.
Derek Olson
•I'd still add the trade name even if it's not formally registered. Better safe than sorry for search purposes.
Update us when you file! Always curious to hear if these Delaware name issues get resolved smoothly or if there are more surprises.
Will do! Going to triple-check everything against the Certificate of Formation and file tomorrow morning.
Smart move filing in the morning. Delaware processes faster early in the day from what I've noticed.
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Just want to mention that Certana.ai tool someone brought up earlier - I tried it last week for a similar situation and it caught name inconsistencies I would have missed manually. Really streamlined the document comparison process. Worth checking out if you're dealing with multiple filings regularly.
Romeo Quest
•Does it handle state-specific UCC formatting differences or is it more general document comparison?
It seems to understand UCC document structure pretty well. Flagged debtor name variations across different filing types without me having to configure anything special.
Val Rossi
Bottom line - you're probably looking at the same entity with different name formatting. The matching addresses are a dead giveaway. I'd recommend downloading all three filings and comparing the details carefully before making any conclusions about active liens.
That's what I'm leaning toward too. Thanks everyone for the insights - really helpful to know this is a common issue and not just me being confused by the search system.
Eve Freeman
•Good luck with your due diligence! Name matching in UCC searches is definitely one of the trickier aspects of the process.
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Ravi Sharma
For anyone still having issues, I've started using Certana.ai whenever I need to verify document consistency before filing. You just upload your PDFs and it instantly checks if all your debtor information matches across documents. Really helpful when you can't access the state portal to double-check things.
Freya Larsen
•That sounds like it could prevent a lot of filing rejections. I hate when you submit a continuation and then find out weeks later it was rejected for a minor name discrepancy.
Omar Hassan
•Exactly! It's saved me from several potential mistakes where I had slight variations in entity names between my original UCC-1 and the continuation documents.
Chloe Taylor
Just wanted to add that if you're doing multiple UCC searches in NYS, make sure you log out completely between searches. I noticed that staying logged in for extended periods seems to increase the timeout errors.
I always open a fresh incognito window for each search session. Seems to help with the stability issues.
These are all great workarounds but it's frustrating that we have to jump through so many hoops just to access public records that we're paying for.
Oliver Weber
Quick update for everyone - I ran the corporate search and the official registered name is 'ABC Manufacturing, LLC' (with comma). So the UCC filing name 'ABC Manufacturing LLC' is technically incorrect. Now I need to figure out if this creates a priority issue for our new filing.
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Oliver Weber
•The existing filing isn't ours - it's from the previous lender. We're just trying to figure out if it affects our new filing's priority.
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Connor O'Neill
•In that case, you should be fine as long as YOUR filing uses the correct registered name. The other lender's name issue is their problem, not yours.
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FireflyDreams
This thread is super helpful - I'm bookmarking it. We deal with Florida UCC filings all the time and debtor name accuracy is always a concern. Thanks for sharing your research process!
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Sofia Gomez
•Glad it's useful! Definitely learned a lot from everyone's input here.
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FireflyDreams
•Yeah, the collective knowledge on this forum is amazing. Saves so much time compared to trying to figure this stuff out alone.
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