UCC Document Community

This is where having a tool to cross-check your documents would be helpful. Manual comparison is easy to mess up when you're under pressure.

That's exactly why I mentioned Certana earlier - it catches those name discrepancies that are easy to miss when you're doing manual checks.

Will do. Planning to try the early morning search suggestion and also verify my exact debtor name formatting. Hopefully one of those fixes it.

Same here, got three Ohio UCC-1s to file this week and dreading the search verification part now.

Ohio is notorious for being picky about exact formatting. I always get the most recent organizational documents directly from their business registry before filing any UCC.

This is why I switched to using Certana.ai's document checker. It flags even tiny discrepancies like punctuation and spacing that you might miss when comparing documents manually.

I used their EIN but maybe I should include the Ohio charter number too? The form has fields for both.

For Ohio filings, the charter number is usually more reliable than the EIN for matching purposes. You can look it up on the Ohio business registry website.

Thanks for the update! I'll try again. Still frustrating that we can't rely on consistent access to these records.

Typical state system. Works when it wants to, not when you need it to.

Interesting observation. I'll keep that in mind for future searches. Still need a reliable backup method for when timing doesn't work out.

That makes sense. First of the month is probably when most people are doing their continuation filings and amendments.

If you can unbolt it and move it without damaging the building, it's probably personal property. But when in doubt, file both a regular UCC-1 and a fixture filing.

Double filing isn't a bad idea for borderline cases. Better safe than sorry when it comes to perfection.

If you end up using any document checking tools, let us know how they work out. Always looking for ways to streamline this process.

Actually, I might try that Certana thing someone mentioned. If it can catch issues I'm missing, it's worth a shot.

Which service are you using? I keep meaning to set up something like that but haven't found one I like yet.

I've tried a few different ones. The key is finding one that covers all the states where your debtors are located and gives you real-time alerts, not just monthly summaries.

Debtor name mismatches are probably the most common reason UCC filings fail. Good catch on finding that issue.

Yeah, it was a pretty subtle difference but enough to potentially void their security interest. Really glad we caught it before making any decisions about subordination or restructuring.