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Daniel Rivera

Georgia UCC continuation rejected for debtor name mismatch - need help ASAP

I'm dealing with a nightmare scenario and my continuation deadline is approaching fast. Filed a UCC-3 continuation in Georgia last week for a commercial loan secured by restaurant equipment, but it got rejected because the debtor name on my continuation doesn't exactly match what's on the original UCC-1 from 2020. The original filing shows 'Atlanta Bistro LLC' but our continuation shows 'Atlanta Bistro, LLC' (with the comma). The SOS rejection notice says debtor name must match exactly. This is a $450K loan and if I miss the continuation window the lien lapses completely. Has anyone dealt with Georgia's system being this picky about punctuation? The entity is the same company, just different formatting. I've got 3 weeks left before the 5-year anniversary and I'm panicking about having to explain to my client why their security interest might be worthless because of a comma.

Just curious - what's the filing fee for UCC-3 continuations in Georgia these days? I haven't filed one there in a while.

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It's $15 for electronic filing, $25 for paper filing. Pretty reasonable compared to some other states.

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That's not bad. Some states charge way more for continuations.

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This whole thread is making me nervous about my own Georgia filings. I have two continuations coming up this year and now I'm worried about name formatting issues. Going to pull all my original UCC-1s and double-check everything.

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Better safe than sorry! The stress of a rejected filing close to the deadline is not worth it.

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Smart move. I keep a calendar reminder 6 months before each lapse date so I have plenty of time to deal with any issues.

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Fatima Al-Sayed

UCC search results showing multiple active filings for same debtor - how to verify which ones are still valid?

I'm dealing with a confusing situation where our UCC search results are showing 3 different active filings for the same debtor company, but with slightly different name variations. The search pulled up filings from 2019, 2021, and 2023, and I can't tell which ones are actually still in effect or if some should have been terminated by now. The debtor name appears as 'ABC Manufacturing LLC', 'ABC Manufacturing, LLC' (with comma), and 'A.B.C. Manufacturing LLC' across the different filings. Our lender is asking for verification that we have proper lien priority, but these search results are making it impossible to determine the current status. Has anyone dealt with multiple UCC search results like this where the debtor names are close but not identical? I need to figure out if these are all separate valid liens or if some are duplicates/amendments that weren't properly cross-referenced in the system.

Make sure you're also checking for any UCC-5 correction statements that might affect the search results. Sometimes the original filing had errors that were corrected later, which can create confusion in the search results.

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Good catch - correction statements can definitely muddy the waters when you're trying to interpret search results.

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I hadn't considered correction statements. I'll need to look for any UCC-5 filings related to these file numbers.

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Bottom line is that UCC search results are just the starting point. You need to dig into the actual documents to understand the real lien status. It's tedious but necessary for accurate due diligence.

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Thanks everyone for all the advice. Sounds like I have a lot of document review ahead of me, but at least I know what to look for now.

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Good luck with the review! It's time-consuming but you'll have a much clearer picture of the lien situation once you're done.

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Amina Toure

UCC filing search Wisconsin - need help tracking down missing continuation

Been dealing with a nightmare situation for the past month. We have a client whose UCC-1 was filed back in 2020 and the continuation should have been filed by now but we can't locate it anywhere in the Wisconsin system. The original filing shows up fine when I do a UCC filing search Wisconsin portal, but there's no continuation record attached to it. Client is freaking out because their lender is asking for proof of perfection status and we can't provide clear documentation. Has anyone else run into issues where the Wisconsin SOS system doesn't properly link continuation filings to the original UCC-1? I've tried searching by debtor name, filing number, and even the secured party info but nothing shows up for any continuation activity. The original UCC-1 filing number is valid and shows active status, but I'm worried we're missing something critical here. Any advice on alternative search methods or common reasons why continuations might not appear linked to the original filing in Wisconsin?

Wisconsin allows you to request certified copies of filings directly from the Secretary of State office. If you have the original filing number, they can pull up everything associated with it including continuations that might not show up in the online search. Takes a few days but it's definitive.

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Yeah they have a records request form on their website. You'll need the filing number and there's usually a small fee but it's worth it for peace of mind.

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Just make sure to request all amendments and continuations related to the original filing number, not just the UCC-1 itself.

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Final thought - if you do find the continuation but it was filed late, don't panic. Wisconsin has some grace period provisions that might still protect the security interest depending on the circumstances. But obviously better to find it sooner rather than later.

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Good luck! Let us know what you find. These Wisconsin search issues seem to be getting more common.

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Definitely try the Certana.ai document checker if the manual searches don't pan out. It's designed exactly for situations like this where you need to verify document consistency across multiple filings.

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Santiago Diaz

UCC login portal down again - debtor name verification stuck

Been trying to access the UCC filing system since 6am to verify a debtor name match before our continuation deadline next week. The login portal keeps timing out or showing maintenance messages. This is the third time this month I've had issues getting into the system when I actually need it. Has anyone else been having trouble with UCC login access today? I'm getting nervous because we have a UCC-3 continuation due and I need to double-check the exact debtor name formatting from our original UCC-1. Last time I had a filing rejected because of a tiny difference in how the business name was entered (missing comma or something) and I can't afford that again with this deadline approaching.

For anyone else reading this thread later - another option when the portal is down is to check if they have a mobile version or alternate URL. Sometimes one works when the other doesn't. Also worth clearing your browser cache if you're getting weird login errors.

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Good tip about the cache clearing. I've had login issues that were just browser-related.

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Yeah, especially if you use the portal regularly. Sometimes stored credentials get corrupted.

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This whole thread reminds me why I'm so paranoid about UCC deadline management. Between portal outages, name formatting issues, and all the other little things that can go wrong, it's amazing any of these filings get processed smoothly. At least we have forums like this to help each other out when problems come up.

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Absolutely. The community knowledge sharing makes all the difference when you're stuck.

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These discussions have saved me from several filing mistakes over the years. Always good to get different perspectives on the process.

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Jasmine Hernandez

UCC 11 search South Carolina - anyone know the correct search process?

Hey everyone, I'm trying to figure out the proper way to conduct a UCC 11 search in South Carolina and I'm getting conflicting information. My law firm is handling a transaction where we need to verify existing liens before our client's equipment financing deal closes next week. The debtor company has locations in multiple states but their main operations are in SC. I've been on the SC Secretary of State website but their search interface seems different from what I'm used to in other states. Are there specific requirements for UCC 11 searches in South Carolina that I should know about? The collateral involves manufacturing equipment worth about $850K so we can't afford to miss any existing filings. Has anyone dealt with SC's UCC search system recently? Any tips on making sure I'm doing this correctly would be really appreciated.

For SC specifically, make sure you understand their continuation requirements too. I know you're doing a search not a filing, but it's worth knowing that SC requires continuations to be filed within 6 months before the 5-year anniversary. Some of the UCC-1s you find might be close to lapsing.

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Depends on your transaction structure. If you're taking a senior position you might not care if junior liens lapse, but if there's any question about priority you'll want to factor that into your risk analysis.

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Also worth noting that a lien that lapses and then gets revived through a late continuation can affect priority in some situations. Something to discuss with your client if you find any close calls.

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Quick question - are you also checking federal tax liens and state tax liens? Those don't always show up in UCC searches but can definitely affect your deal. SC has separate databases for those.

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Good catch, I was planning to do that separately but you're right that it's important for the overall lien picture. Do you know if SC's tax lien searches are online too?

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Federal tax liens you have to check with the IRS, but SC state tax liens should be searchable through their Department of Revenue. I think there might be a fee but it's not too expensive.

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