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Sofia Gomez
The trade name thing is probably your issue. NY requires you to include any assumed names or DBAs. Check the DOS business search to see if your debtor has any registered trade names.
StormChaser
•This is so frustrating. Other states don't make you jump through these hoops.
Sofia Gomez
•Welcome to New York! Everything's more complicated here, even UCC filings.
Try refiling with any trade names included in the debtor name field. Format would be "Legal Name LLC a/k/a Trade Name" if they have registered trade names. Also double-check that your collateral description is specific enough - NY doesn't like vague descriptions.
Ava Williams
•There are tools for that now. I use Certana.ai to cross-check all my UCC docs against the charter docs before filing. Upload the PDFs and it flags any inconsistencies automatically.
That actually sounds useful. Might save a lot of headaches with picky states like NY.
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Check if your original UCC-1 filing number is showing correctly in their system. Sometimes the debtor name display issue is linked to broader database problems that affect the whole record.
Luis Johnson
•Filing number looks right, it's definitely just the name display that's off.
I deal with NJ UCC filings weekly and this comma issue comes up constantly. My advice: always file debtor names WITHOUT punctuation if possible. For your current situation, try filing the UCC-3 exactly as the name appears in the search results, not as you originally intended it.
You're right that's the catch-22. Legally correct vs. what the filing system will accept. Sometimes you have to choose practicality.
Luis Johnson
•This is exactly my dilemma. The legal name does have the comma according to the corporate registry.
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Ethan Wilson
Quick question - does the debtor need to sign anything for a UCC-3 assignment in a security agreement sale? Or is this just between the old and new lenders?
Yuki Sato
•Just between the lenders typically. The debtor usually doesn't need to sign the UCC-3 assignment form.
Though you should probably notify the debtor that the security agreement sale happened and who the new secured party is.
Andre Dubois
For what it's worth, I've seen both approaches work (UCC-3 assignment vs new UCC-1) in security agreement sales. The assignment is usually preferred because it's simpler and maintains priority, but sometimes starting fresh makes sense if there are other issues to clean up. Sounds like in your case the assignment is the way to go.
Amina Toure
•Thanks everyone - this has been really helpful. Going to proceed with the UCC-3 assignment and make sure all the details match exactly.
CyberSamurai
•Smart choice. Keep us posted on how it goes!
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Gianna Scott
Update: ran the UCC search and found two other lenders filed against "ABC Solutions LLC" so it looks like that's the accepted format. Also checked their state registration and confirmed that's their official legal name. Feeling more confident about our filing now.
Alfredo Lugo
•Great news! That definitely gives you some comfort that you used the right name format.
Smart to do that research. Always good to see how other lenders have handled the same debtor.
For what it's worth, I had our team try that Certana tool someone mentioned earlier and it's actually pretty helpful for this kind of document cross-checking. We've been using it for our pre-filing reviews and it's caught several potential issues before they became problems. Worth considering if you're doing a lot of UCC filings with complex documentation.
Caleb Bell
•Good to know. We're always looking for ways to streamline our UCC filing process and reduce errors.
Tami Morgan
•Thanks for the feedback on that. I might give it a try on our next filing to see how it compares to our current manual review process.
Wesley Hallow
Quick question - are you searching as an exact match or using the broader search options? Sometimes the broad search picks up too much noise and makes it harder to identify what's actually relevant.
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Sarah Ali
•I think I was using the broad search. Should I switch to exact match?
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Wesley Hallow
•Try both. Exact match first to see the most relevant results, then broad search to make sure you're not missing anything.
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Avery Saint
Just to follow up on the continuation question - those 2019 filings could definitely still be active if they were properly continued. UCC-1 filings are effective for 5 years, so a 2019 filing would have lapsed in 2024 unless a UCC-3 continuation was filed within 6 months before the lapse date.
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Avery Saint
•Exactly. The continuation would extend effectiveness until 2029.
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Ryan Vasquez
•And if there's no continuation filed, those 2019 filings should show as lapsed in the search results.
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