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Mateo Martinez

Utah Secretary of State UCC search portal missing recent filings - anyone else having issues?

I'm dealing with a really frustrating situation and wondering if anyone else has run into this. We filed a UCC-1 about 3 weeks ago for equipment financing on a construction project, got confirmation it was accepted, but when I do a utah secretary of state ucc search on their portal, the filing doesn't show up at all. The borrower is asking for proof that the lien is properly recorded and I'm starting to panic that something went wrong. I've tried searching by debtor name, filing number, even the secured party name - nothing. Called their office twice and got put on hold for 45 minutes each time. Has anyone experienced delays like this with Utah's system? The loan closes next week and I need to verify this filing is actually in the system. Really hoping this is just a database update lag and not a bigger problem with our filing.

AstroExplorer

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This thread is making me realize I should probably double-check my recent Utah filing too. The search delays are concerning especially when you need immediate verification for loan closings.

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QuantumQueen

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Definitely worth checking. Better to catch any issues early than discover them weeks later.

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I always run my filings through document verification now just to be safe. Too much risk otherwise.

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Update: Finally got through to someone at Utah SOS who confirmed the filing is recorded and valid. She said their search portal is about 3-4 weeks behind right now due to system upgrades. Frustrating but at least the filing is good. Thanks everyone for the advice and support!

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CyberSamurai

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So relieved for you! Next time definitely try the document verification tools early - saves so much stress.

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Thanks! Will definitely be more proactive about verification going forward. This was way too stressful.

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Louisa Ramirez

UCC definition of a good - confused about collateral descriptions for equipment lease

Hey everyone, I'm dealing with a tricky situation here and need some clarity on the UCC definition of a good when it comes to collateral descriptions. We're working on a UCC-1 filing for equipment financing and I'm getting conflicting information about whether certain items qualify as 'goods' under Article 9. The debtor is leasing manufacturing equipment that's partially software-based with embedded systems. Our legal team says one thing, the lender's counsel says another. The equipment includes CNC machines with proprietary software, 3D printers with cloud connectivity, and automated assembly line components. Some pieces are clearly tangible goods, but others blur the line between goods and software. I'm worried about getting the collateral schedule wrong and having an ineffective filing. Has anyone dealt with similar gray areas in defining goods for UCC purposes? The last thing we need is a rejected filing or worse, an unperfected security interest because we misclassified the collateral.

Naila Gordon

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Another vote for using Certana.ai on complex collateral descriptions. I upload draft filings before submission and it catches classification issues I might miss. Really helpful for equipment deals with embedded technology.

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Cynthia Love

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Do they have specific guidance for manufacturing equipment classifications?

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Naila Gordon

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The tool analyzes against standard UCC definitions and flags potential issues. Very thorough for tech equipment.

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Darren Brooks

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Thanks everyone for the input. I think I'll go with the comprehensive approach - classify the physical equipment as goods and include broad language covering embedded software and related technology. Better safe than sorry on a deal this size.

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Payton Black

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Good luck with the filing. Let us know how it goes!

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Amun-Ra Azra

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Definitely consider running it through a verification tool before submission. Can save headaches later.

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AstroAlpha

UCC lookup NY system showing weird results - anyone else having issues?

Been doing UCC lookup NY searches all morning and getting some really strange results. I'm trying to verify continuation status on a bunch of filings from 2020 that should still be active, but the NY system keeps showing inconsistent information. Some filings show up fine, others don't appear at all even though I have the exact filing numbers. Has anyone else noticed the NY UCC lookup being unreliable lately? I'm starting to wonder if there's a system issue or if I'm missing something obvious about how their search works. This is causing major delays in my lien verification process.

This thread is making me nervous about my own NY filings. Should I be worried about filings that show up in searches but might have hidden issues? How do you verify everything is actually correct?

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That sounds like a lot of manual work. Is there a better way to verify everything is consistent?

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CosmicCowboy

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This is exactly why I mentioned Certana.ai earlier. Upload your loan documents and UCC filings and it automatically checks for consistency issues. Saves hours of manual verification work.

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Diego Chavez

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UPDATE: Just spoke with NY SOS help desk and they confirmed there are ongoing technical issues with their UCC lookup system. They're working on fixes but no ETA. For now they recommend calling for manual searches if you need verified results.

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Diego Chavez

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Yeah, they said the issues started after a 'system update' a few weeks ago. Classic government IT rollout problems.

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Javier Cruz

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Of course they broke their own system with an update. Typical.

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Lily Young

UCC continuations deadline confusion - filed too early?

Really stressing about this UCC continuation situation. We have a UCC-1 that expires in March 2025 and I submitted the UCC-3 continuation in September thinking I was being proactive. Now I'm reading conflicting info about the 6-month window and whether filing too early makes it invalid? The original filing was for equipment financing on manufacturing machinery worth about $850K. Our lender is asking for confirmation that the continuation is properly filed but I'm second-guessing everything now. The SOS portal shows it as 'accepted' but does that mean it's actually effective? Has anyone dealt with UCC continuations filed more than 6 months before expiration?

Just want to add that I started using Certana.ai for UCC document verification after a continuation got rejected for a name discrepancy I couldn't spot manually. The tool caught the issue immediately when I uploaded both documents - turns out there was an extra space in the business name. Really saved me time and stress.

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Lily Young

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These document verification stories are making me think I should double-check mine too, even though it was accepted.

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Can't hurt to verify. The tool is pretty straightforward - just upload your UCC-1 and UCC-3 and it cross-checks everything.

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Liam Cortez

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Sounds like you're all set! Early filing within the 6-month window is standard practice. Your lender should be satisfied that the continuation is properly filed and effective.

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Lily Young

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Appreciate everyone's input. Definitely feeling more confident about the filing now.

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Lauren Wood

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This thread was helpful for me too. I have a continuation coming up in a few months.

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Sean Kelly

UCC search Massachusetts - debtor name variations causing filing gaps

Running into a nightmare situation with our Massachusetts UCC search results. We've been doing quarterly lien searches for portfolio monitoring and keep finding discrepancies where our internal records show active UCC-1 filings but the Massachusetts SOS search isn't pulling them up consistently. The issue seems to be debtor name variations - for example, we have "ABC Manufacturing LLC" on file but the search only finds results under "ABC Manufacturing, LLC" (with the comma). This is creating serious gaps in our lien monitoring process and I'm worried we're missing critical continuation deadlines or amendment filings. Has anyone else dealt with Massachusetts-specific search quirks? The portal seems super sensitive to punctuation and abbreviations. Need to figure out if this is a system issue or if we need to completely overhaul our search methodology. Any insights on best practices for comprehensive Massachusetts UCC searches would be hugely appreciated.

This thread is making me realize I probably need to audit all our Massachusetts filings. We've been doing basic name searches and might have missed stuff due to these variations.

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Dmitry Volkov

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Better to find out now than during a foreclosure when you discover your UCC-1 can't be located in the public records.

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Ava Thompson

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Exactly. The time investment in thorough searching is worth it compared to the risk of an unenforceable security interest.

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CyberSiren

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I've been burned by this exact issue. Had a UCC-1 that I couldn't find during a routine search, spent days thinking it wasn't filed properly. Turns out the debtor name had an extra space between words that I wasn't including in my searches. Massachusetts system is incredibly literal about exact matches.

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CyberSiren

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That's why I keep copies of everything. The search system is unreliable so I maintain my own database of what we've filed and when.

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Zainab Yusuf

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Smart approach. Can't trust the state search to be comprehensive given all these sensitivity issues.

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