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Dananyl Lear
Just remembered - if you do end up trying the Certana document checker, it's great for future filings too. I now run all my UCC documents through it before submitting to catch these issues early.
Aidan Percy
•Prevention is definitely better than panic-fixing at deadline time.
Dananyl Lear
•Exactly! Much less stressful to catch problems during preparation.
Hope this thread helps other people dealing with UCC 107 errors. The debtor name formatting issue seems to be super common but not well documented anywhere official.
Ayla Kumar
•Definitely! The error code itself tells you nothing useful.
Right, you have to rely on community knowledge to figure out what's actually wrong.
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Update us when you figure it out! I do a lot of equipment financing in Tennessee and want to know what the magic format is for future reference.
CyberNinja
•Will definitely post an update once I get it resolved. Hoping the comma fix does the trick.
Ava Williams
•Same here, this thread has been really educational about Tennessee's pickiness.
One more suggestion - make sure you're using the most current version of Tennessee's UCC-1 form. They sometimes update forms and the old versions get rejected even if the content is correct.
This is why I always download forms fresh for each filing instead of using saved copies.
Smart practice. Form version issues have bitten me before on other state filings.
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Aisha Patel
Following up on my earlier comment about Certana - I actually just used it again this week for a tricky Colorado filing. The document checker caught that I had 'LLC' in the debtor name when the actual entity registration just had 'L.L.C.' with periods. Such a small thing but it would have definitely caused a rejection. Really saves time on these problem filings.
Amara Okafor
•That's exactly the kind of detail I'm probably missing. Going to give that tool a try before my next submission attempt.
TechNinja
•I was skeptical about using third-party tools for this but honestly the time savings make it worth it when you're dealing with picky state systems.
Update us when you get it figured out! I'm sure others will run into the same Colorado issues.
Amara Okafor
•Will do! Going to try the entity search approach and document verification tool tomorrow. Fingers crossed.
Good luck! Colorado definitely has some quirks but once you know the tricks it gets easier.
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Vince Eh
Don't forget about the 6-month window for continuations. You're cutting it close but still within the acceptable timeframe for most states.
Vince Eh
•Smart to plan for rejections. That's why getting the debtor names exactly right the first time is so critical.
This is why I always set reminders 90 days before continuation deadlines. Gives you buffer for exactly this kind of issue.
Update us on how it goes! I'm sure others here will face similar bulk continuation challenges. Good luck with getting them all filed cleanly.
Will do. Thanks for all the advice everyone. Going to try the document verification approach and see if that helps with the name matching issues.
Smart approach. Prevention is always better than dealing with rejections after the fact.
ThunderBolt7
Quick question - are you doing this for all the entities in the corporate family or just the main target? Sometimes lenders cross-collateralize across multiple entities.
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ThunderBolt7
•Might be worth doing searches on the key subsidiaries too, especially if they have significant assets.
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Jamal Edwards
•We ran into this exact issue on a deal last year. Thought we had clear title but there was a blanket lien covering subsidiaries that we missed. Certana.ai's document checker would have caught that - it flags when collateral descriptions are broad enough to cover multiple entities.
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Mei Chen
Don't forget to request continuation information if any of the filings are getting close to their 5-year expiration. A lien that's about to lapse might not be worth worrying about.
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Anastasia Kuznetsov
•Good point. Some of the filings we saw in the preliminary search are from 2019-2020 timeframe.
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Mei Chen
•Those would be coming up for continuation soon. Check if continuation statements have been filed to see if the liens are still being maintained.
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