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Salim Nasir
UPDATE: Found them! Turns out they were filed under "Advanced Manufacturing Solutions, L.L.C." with the comma AND periods. Took me 2 hours of trying different variations but finally got results. PA's search system really is terrible with name matching.
Hazel Garcia
•Two hours for a simple name search is ridiculous. Other states handle this so much better.
Laila Fury
•At least you found it before the deal deadline. I've had searches take days before.
For future PA searches, I keep a checklist of all the name variations to try: with/without commas, with/without periods, with/without entity type, abbreviated entity types (LLC vs L.L.C.), and sometimes even different spacing. PA is just awful for this stuff.
Simon White
•I do the same thing. Have a whole spreadsheet of PA name variation patterns that have worked in the past.
Hugo Kass
•The fact that we need checklists and spreadsheets just to search for UCC filings shows how broken the system is.
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Amina Sow
This is SO common with online lenders who use automated UCC preparation systems. They prioritize speed over accuracy and then act surprised when filings get rejected for basic errors. I'd also recommend checking if your state has any expedited processing options for UCC corrections - some states offer same-day processing for an additional fee when there's a time crunch.
Amina Sow
•Definitely worth asking about. Most states offer some kind of expedited service for UCC filings, especially for corrections of obvious clerical errors.
Dylan Wright
•This thread has been incredibly helpful. I'm dealing with a similar situation and had no idea there were so many options for getting UCC corrections processed faster.
GalaxyGazer
Update us on how this gets resolved! I'm curious whether LoanMe steps up and fixes it quickly or if you have to escalate further. This kind of basic quality control failure in UCC preparation is unacceptable for a lender their size.
Will definitely update once I hear back from them. Hoping the compliance department approach works better than dealing with regular customer service.
Please do update! These kinds of real-world examples help everyone understand what to watch out for with different lenders.
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PA is definitely one of the more challenging states for UCC work. Between the search issues and their strict formatting requirements, I always double and triple check everything before submitting. Your comma situation is actually pretty common - seen it with periods, hyphens, and ampersands too.
Make sure your collateral description matches exactly if you're copying from the original UCC-1. PA has rejected filings for minor collateral description variations even on continuations.
Also double-check the filing fee calculation. PA's fee structure is confusing and underpayment will get you rejected immediately.
Been following this thread because I'm dealing with something similar in PA right now. Ended up using that Certana.ai document checker mentioned earlier and it found three different formatting inconsistencies between my original UCC-1 and continuation filing that would have definitely caused rejections. The debtor name issue was just one of them - also caught a mismatch in how the secured party address was formatted. Pretty slick tool for avoiding these headaches.
Sofia Perez
•Three different issues? Wow, I might have more problems than I realized. Definitely going to run my docs through that verification before trying to file again.
Yeah it was eye-opening. Things you'd never think to check manually. The address formatting thing especially - who would have thought a missing suite number designation would matter for a continuation?
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Aisha Ali
For future filings, document everything about your debtor name research. Keep screenshots of the SOS database search, copy of articles, etc. Makes refiling much easier when you know exactly what you used.
Ethan Moore
•Smart advice. I learned this the hard way after multiple rejections on a complex filing.
Paolo Longo
•Definitely doing this going forward. This rejection is stressful enough - don't want to repeat it.
UPDATE: Called the SOS this morning and they confirmed it was a debtor name mismatch. The business entity database shows "ABC Manufacturing, LLC" with a comma, but I filed it as "ABC Manufacturing LLC" without the comma. Refiling today with the correct formatting. Thanks everyone for the help!
Andre Moreau
•This thread is super helpful - I'm bookmarking it for future reference. Blue line rejections make so much more sense now.
Exactly the kind of thing automated document checking catches. Saves so much time and stress compared to trial-and-error filing.
Natalie Khan
For anyone dealing with UCC filing type confusion, I'd recommend creating a simple flowchart for your staff. Start with 'Is this the first filing?' If yes, UCC-1. If no, 'What are you trying to do?' and branch out to continuation, amendment, release, or termination based on the specific need. Visual aids really help reduce errors.
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Daryl Bright
•That's smart. We made a laminated reference card for our loan processors with the most common scenarios.
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Sienna Gomez
•I'd love to see that flowchart if you're willing to share. Our error rate on filing types is still too high.
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Kirsuktow DarkBlade
One more tip - always keep copies of your UCC search reports when you file continuations. The search will show the original filing details and you can copy the exact debtor name and filing number to avoid input errors. Much safer than trying to remember or retype from memory.
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Abigail bergen
•Great advice. UCC searches also help you catch any other liens that might have been filed against the same debtor.
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Ahooker-Equator
•We actually had Certana check our UCC search against our continuation filing and it caught a discrepancy in the debtor's middle initial. Saved us from a rejection.
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