UCC Document Community

Ask the community...

  • DO post questions about your issues.
  • DO answer questions and support each other.
  • DO post tips & tricks to help folks.
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Cameron Black

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This thread is giving me anxiety about my own UCC search I did last week. Now I'm wondering if I missed something important because of name variations. Going to go back and double-check everything.

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Better to catch it now than after your deal closes. UCC name matching rules can be really strict depending on the state.

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I learned this the hard way - always better to over-search than under-search when it comes to UCC due diligence.

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Ruby Garcia

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Final update: I used Certana.ai to analyze all the documents and it confirmed that two of the filings were the same entity with different name formats, and one was actually a related subsidiary. The continuation in Texas was properly filed and still active. Closing went smoothly once I had everything sorted out. Thanks everyone for the guidance!

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Glad it worked out! This is exactly why proper UCC verification is so important before closing.

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Thanks for following up with the resolution. Helps the rest of us learn from your experience.

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Just file the UCC-3 amendment to correct the debtor name and move on. These system glitches happen but they're easy enough to fix. Make sure you reference the original filing number and clearly state you're correcting a debtor name error.

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I wouldn't overcomplicate it. Just state that you're amending to correct the debtor name to the full legal entity name.

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Jason Brewer

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Agreed. Keep the amendment language simple and straightforward.

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This thread is making me realize I should probably audit all our Illinois UCC filings. Anyone know of a good way to bulk verify that continuation filings didn't mess up the original information?

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Wesley Hallow

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Certana.ai actually has a bulk verification feature where you can upload multiple documents for cross-checking. Perfect for this kind of audit situation.

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That sounds exactly like what I need. Thanks for the recommendation.

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Update us when you refile! Always curious to hear what the actual issue was with these vague 9-508 rejection notices. The filing offices really need to be more specific about what fails their sufficiency standards instead of just citing the statute.

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LunarEclipse

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Good luck! Hope it goes through cleanly this time.

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Yara Khalil

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These 9-508 issues are so frustrating when you're trying to close a loan on schedule.

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Keisha Brown

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One more thought on UCC 9-508 - make sure your debtor address exactly matches what's on file with the state too. Some filing offices consider address discrepancies as part of their sufficiency determination, especially if the address is completely wrong or missing required elements like suite numbers.

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Keisha Brown

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That could definitely contribute to a 9-508 rejection. Entity addresses change more often than you'd think.

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Always better to be safe and use the most current registered address for UCC filings.

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Make sure you're not copying and pasting from a PDF. Sometimes that introduces hidden characters that cause rejections. Type everything manually from the official state records.

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Julian Paolo

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I did copy from the SOS website. I'll try typing it manually next time.

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PDF copy-paste has burned me before. Always type manually for UCC filings.

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Ethan Scott

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Any update on this? Did you get it resolved? I'm dealing with a similar issue in Washington and could use some guidance.

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Ethan Scott

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Fingers crossed! Let us know how it goes.

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Lola Perez

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Hope it works out. Washington's system really needs to be more user-friendly.

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Lauren Zeb

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Quick update for anyone following this thread - I got my filing sorted out. Filed the UCC-1 in Delaware through their Division of Corporations online portal, used the exact legal name from the certificate of incorporation, and got confirmation within 24 hours. Total fees were reasonable too. Thanks everyone for the help navigating the division of corporations, state records and uniform commercial code maze!

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Glad it worked out! Delaware is usually pretty efficient with UCC processing.

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Good to hear a success story. Sometimes these multi-state filing situations seem more complicated than they actually are.

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Anthony Young

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For future reference, here's a quick cheat sheet: Corporation incorporated in State X = file UCC in State X's corporations/UCC division. LLC organized in State Y = file UCC in State Y's business entities/UCC section. Individual debtor residing in State Z = file UCC in State Z's UCC office. The collateral location usually doesn't matter unless it's fixtures or certain specialized collateral types. This covers probably 90% of the filing decisions you'll need to make.

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Admin_Masters

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What about partnerships? Same rule - file where the partnership was organized?

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Anthony Young

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Correct - partnerships follow the same rule as corporations and LLCs. File where organized, not where operating.

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