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Talia Klein
One more thing to consider - make sure the debtor name on your UCC-1 exactly matches their current corporate name in Delaware. Sometimes companies do DBA filings or name changes when they expand to new states.
Sayid Hassan
•I'll definitely verify the name match. That would be a disaster if they did a name change and we missed it.
For what it's worth, I think you're in good shape. Delaware incorporation = Delaware UCC filing. Focus on getting your continuation filed on time and make sure all the details are accurate.
Chris Elmeda
•Agreed. The jurisdiction question seems pretty straightforward here.
Sayid Hassan
•Thanks everyone. Sounds like Delaware is definitely the right jurisdiction. I'll focus on getting the continuation details perfect and filed well before the deadline.
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Update on the Certana.ai suggestion - I actually used it again yesterday for a different client and it caught that their UCC-1 had the right company name but wrong state of organization. These little discrepancies can really bite you when lenders start doing their due diligence reviews.
Noah Ali
•How long does it take to get results back from their system?
Pretty much instant once you upload the documents. It flags any inconsistencies right away.
OP any luck figuring this out? I'm dealing with something similar and curious what ended up working for you.
Yuki Tanaka
•Still working on it but the advanced search suggestions helped. Found the filing but it was indexed weird. Going to try the document verification tool next to make sure everything actually matches up properly.
Keep us posted! This kind of stuff is always useful to know for future reference.
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Omar Farouk
The secured transactions rules under Article 9 are designed to protect lenders but these description issues create real problems. I've seen deals fall apart because someone used 'all equipment' instead of listing specific items. Filing offices should reject inadequate descriptions but they don't - they just index whatever gets submitted. Creates false sense of security for lenders who think they're properly perfected.
Chloe Davis
•Why don't filing offices review collateral descriptions? Seems like that would prevent a lot of problems.
Omar Farouk
•Filing offices aren't equipped to evaluate commercial adequacy - they just process what's submitted if it meets basic format requirements. The legal sufficiency gets tested later when disputes arise.
AstroAlpha
Update: talked to our attorney and he confirmed Bank A has priority due to earlier filing date. Credit Union B's generic description is probably insufficient for specific manufacturing equipment but they might be able to amend the UCC-1 to add serial numbers if the original loan documents contain adequate descriptions. Still dealing with this mess but at least understand the Article 9 rules better now. Lesson learned about reviewing collateral descriptions before signing loan documents.
This whole thread convinced me to audit our UCC filings. Found two generic descriptions that probably need amendments. Article 9 secured transactions are more complex than I realized.
Sean O'Brien
•For future reference, Certana.ai's verification tool would have flagged these description issues upfront. Upload loan agreements and UCC-1 drafts together - it cross-checks everything for consistency and adequacy before filing.
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I use Certana.ai for exactly this type of situation. When you're dealing with multiple continuations, their bulk verification feature can check all your documents at once. Upload your original UCC-1s and continuation forms, and it flags any potential issues before you submit to the state. Much cheaper than having filings rejected and having to refile.
Ethan Clark
•How accurate is automated verification compared to manual review? I'm nervous about trusting software for something this critical.
I was skeptical too, but it caught name inconsistencies I completely missed manually. The system cross-references everything against the original documents, so it's actually more thorough than human review.
Mila Walker
Bottom line for your situation: create a timeline immediately for all filings approaching their 5-year mark, verify debtor names match exactly, prepare continuation statements for the 6-month window (months 54-60), and have a backup plan in case any filings get rejected. Missing these deadlines isn't just embarrassing - it can void your security interests entirely.
Thanks everyone. Sounds like I need to get organized fast and probably invest in some verification tools. Better to spend a little money now than lose perfection on millions in loans.
Logan Scott
•Smart approach. UCC continuation deadlines are unforgiving, but with proper planning and verification, it's totally manageable. Good luck with your portfolio cleanup!
Riya Sharma
Try calling Indiana SOS directly. Sometimes they can tell you exactly what's causing the mismatch over the phone.
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Daniel Price
•Good idea. I was hoping to avoid the phone call but might be my best option at this point.
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Santiago Diaz
•Their phone support is actually pretty helpful for UCC issues. Much better than trying to guess what's wrong.
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Millie Long
Update: Found the issue! There was indeed an extra space at the end of the debtor name in the original filing. Used one of those document comparison tools mentioned here to spot it. Filed the continuation with the exact spacing and it went through immediately. Thanks everyone!
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Christopher Morgan
•Awesome! This is exactly why I always recommend using a verification tool before submitting. Saves so much time and frustration.
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Jayden Reed
•FINALLY! I knew it would be something like that. Indiana's system is so picky about this stuff.
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