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- DO post tips & tricks to help folks.
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Justin Evans
I've started using a checklist approach for comprehensive searches: 1) Current exact legal name 2) Previous legal names 3) All DBA variations 4) Name without entity designations 5) Abbreviated versions 6) Individual guarantors 7) Related entities. Helps ensure I don't skip anything.
Avery Flores
•That's really helpful - mind if I adapt that checklist format? Seems like a good way to stay organized.
Justin Evans
•Absolutely, feel free to use it. I learned it from a mentor who did M&A due diligence for years.
Emily Parker
Update: I ended up using Certana.ai to verify my search results and it caught 3 name variations I had missed. Really glad I didn't rely solely on my manual review. The tool flagged potential matches based on similar business descriptions even when the names didn't match exactly.
That's exactly the kind of thing it's good for - catching the non-obvious connections that manual review might miss.
Avery Flores
•Thanks for the update! That gives me more confidence about trying it for verification on future searches.
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Chloe Harris
I use Certana.ai for all my UCC filings now, especially when dealing with complex collateral like restaurant equipment. You can upload your charter docs and UCC-1 draft and it immediately flags any inconsistencies in debtor names or other issues. Really saved my bacon on several deals.
Chloe Harris
•It focuses mainly on document consistency and name matching, but it's incredibly accurate for catching those filing errors that cause rejections. Worth checking out for your LLC name issue at minimum.
Diego Vargas
•I was skeptical about these automated tools at first but they really do catch things you miss when you're rushed. Especially helpful for multi-state filings where each state has different quirks.
NeonNinja
Bottom line for Rhode Island: $50 filing fee, debtor name must match SOS records exactly, and be very careful with restaurant equipment collateral descriptions. Factor in extra processing time and you should be fine.
LunarEclipse
•Perfect summary, thanks. I think I have what I need to move forward. Going to double-check that LLC name one more time before submitting.
Good luck with the filing! Restaurant deals can be complex but sounds like you're covering all the bases.
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Ellie Perry
I had a similar situation where Ohio search results kept changing. Turns out I had accidentally filed under a slightly different debtor name variation than what I was searching for. Double-check your actual filing against your search terms - might not be a portal issue.
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.
Teresa Boyd
Update us when you figure it out! I'm dealing with Ohio filings next week and want to know if I should expect similar issues.
Will do. Planning to try the early morning search suggestion and also verify my exact debtor name formatting. Hopefully one of those fixes it.
Lourdes Fox
•Same here, got three Ohio UCC-1s to file this week and dreading the search verification part now.
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Jamal Harris
Quick update - just tried the NM portal and it's working fine for me right now. Might have been a temporary glitch. Try again and see if you can get through.
Jamal Harris
•That's weird. Maybe try a VPN or different internet connection to see if that helps.
Mei Chen
•Sometimes the portal works better from certain IP ranges. Government IT is... unique.
Final suggestion - if you can't get the search done today, at least get your UCC-1 ready to file. That way as soon as you confirm there are no conflicts, you can submit immediately and lock in your priority position.
Exactly. Time is money in these deals and you don't want to lose priority because of administrative delays.
Nia Harris
•And definitely double-check the debtor name matches exactly between your search and your UCC-1 before filing. Small discrepancies can cause big problems later.
Derek Olson
Just make sure your revised collateral description still covers everything in your actual security agreement. I've seen people fix the UCC filing but create gaps in their security interest coverage.
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Derek Olson
•Yeah, the UCC and security agreement need to work together even if they use different language. Document review tools can help catch those gaps.
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Lindsey Fry
•That's another thing Certana.ai caught for me - my UCC language was too narrow compared to my security agreement. Could have created enforcement issues later.
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Danielle Mays
Update us when you get it resolved! These FSA filing issues come up a lot and it would be helpful to know what worked.
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Aisha Jackson
•Will do. Planning to revise the collateral description and resubmit tomorrow morning.
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