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- DO post tips & tricks to help folks.
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Sofia Gomez
If you determine you're actually in second position, you'll need to decide whether to proceed with the deal or renegotiate terms. What type of collateral are we talking about?
Sofia Gomez
•You might be okay then if the collateral descriptions don't overlap significantly. Worth having legal review the specific language.
StormChaser
•Definitely get legal involved at this point. Priority disputes can get messy quickly.
This is why I always run a final lien search the day before funding, even if we did one recently. Systems can change and new filings appear constantly.
Ava Williams
•Smart practice. The small cost of an extra search is nothing compared to discovering priority issues after closing.
Nia Johnson
•Lesson learned for sure. We'll definitely implement day-before searches going forward.
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UPDATE: Used the Certana.ai tool and it found the issue! There was an extra space after 'Services' that I couldn't see. The tool highlighted it perfectly. Refiled with the corrected name and it was accepted immediately. Thanks everyone!
Sean Kelly
•Great outcome. I'm going to bookmark that verification tool for future use.
Jamal Harris
•Perfect example of why document verification is so important for UCC filings. Congrats on getting it resolved!
Amara Okafor
This thread is super helpful. I've been struggling with similar issues in other states. Going to try that verification approach.
Definitely recommend it. Would have saved me hours of frustration if I'd known about it earlier.
Same here. I've had way too many rejected filings due to name formatting issues.
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Emma Bianchi
Update: I ended up using that Certana tool and it immediately flagged that the charter had 'Mountain Ridge Equipment, L.L.C.' with periods after each L. Filed with that exact format and it went through perfectly. Can't believe I missed something so small but it would have cost me another week of delays. Thanks for the suggestion!
Periods after L.L.C.? That's so random. Good thing you caught it.
This is exactly why I always double-check documents now. One small mistake can derail everything.
Charlie Yang
For future Nevada filings, I always request the certified copy of articles instead of relying on online displays. Costs a few extra bucks but saves the headache of multiple rejections.
Cass Green
•That's probably smart. The $15 for a certified copy would have saved me days of stress.
Grace Patel
•Especially when you're dealing with multi-million dollar collateral. The extra cost is nothing compared to the delays.
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Make sure you're filing in the right county if your state requires county filing. Also check if the property crosses county lines - that can complicate things.
Look up your state's fixture filing requirements. Most states require county filing but a few handle fixtures through the state UCC office.
This is why the UCC system is so confusing. Every state does things differently.
Been doing fixture filings for 15 years. Common mistakes: wrong filing office, insufficient real estate description, debtor name doesn't match real estate records, and unclear fixture descriptions. Double-check all four.
Dmitry Popov
•Wish someone had told me this before I wasted three weeks on rejected filings last year.
Ava Garcia
•The real estate description is the trickiest part. Sometimes you need to get the exact language from the county assessor's office.
Justin Evans
Update: I ended up using the original UCC-1 name format (without the comma) and the continuation was accepted! Thanks everyone for the advice. Still annoying that such a small punctuation difference can cause so much hassle, but at least the lien is continued for another 5 years.
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Zoe Gonzalez
•Glad it worked out! This thread will definitely help others dealing with the same issue.
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Alexis Robinson
•Perfect example of why consistency with original filings is so important. Thanks for updating us on the resolution.
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Emily Parker
This whole thread is giving me anxiety about my own filings lol. I've got two continuations coming up next year and now I'm paranoid about name matching issues. Definitely going to pull my original UCC-1s and double-check everything before filing.
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Aaron Lee
•Smart approach. Better to check now than deal with rejection stress later. Document verification tools really take the guesswork out of it.
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Samantha Hall
•Good plan. Start early and you'll have plenty of time to fix any issues that come up.
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