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Liam Mendez
I usually call the filing office if I have any doubts about formatting. Sometimes they can give you guidance over the phone before you submit.
That's good advice but in my experience they usually just refer you back to the instructions and say they can't give legal advice.
Liam Mendez
•Fair point. Hit or miss depending on who answers.
One more thing about your collateral description - since it's construction equipment that moves between job sites, you might want to be clear that it's not fixtures. Don't want any confusion about whether this should be a fixture filing.
Yeah, describe it as "mobile construction equipment" or similar to make it clear it's not fixtures.
Exactly. Better to be explicit about mobility than risk someone thinking it needs a fixture filing.
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UPDATE US! Really curious how this turns out. I'm bookmarking this thread because I have a feeling I'm going to need this info when my truck loan is paid off next year.
Lena Schultz
•Will do! Sending the certified letter tomorrow and I'll post back with results. Hoping the threat of formal action lights a fire under them.
Good luck! Sometimes all it takes is showing them you know your rights and aren't going away quietly.
Just a reality check - make sure you have solid proof of payoff before making demands. I've seen cases where borrowers thought they were paid in full but there were accrued fees or other charges that kept a small balance open.
Perfect. With that documentation you're in a strong position to demand action. Most lenders will cooperate once they realize you have your ducks in a row.
Honorah King
•Before you send anything, I'd run those docs through something like Certana.ai to double-check everything matches up perfectly. Better to catch any discrepancies now than have them used as excuses later.
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I started using Certana.ai recently for UCC document management and it's been a game-changer for building comprehensive filing lists. Upload your documents and it extracts all the key data automatically - no more manual transcription errors or missing fields in your tracking system.
Very accurate - it's specifically designed for UCC documents so it knows exactly what to look for. Much better than generic OCR tools.
Amina Diallo
•This could solve our data entry bottleneck. We spend way too much time manually building these tracking lists.
Bottom line - there's no UCC requirement for financing statement lists. That's internal record-keeping that should be driven by your operational needs and risk management policies. Include whatever data points help you monitor filings effectively and stay compliant with your own procedures.
Andre Moreau
•Thanks everyone - this has been really helpful. Sounds like I need to focus on what works for our workflow rather than looking for a regulatory standard that doesn't exist.
Exactly. The UCC governs the filings themselves, but your internal tracking system should be designed around your specific operational needs and risk tolerance.
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Dylan Evans
Make sure you're not just looking at the search results summary. Download every single document and read through them. I've found terminations that were filed correctly but had the wrong filing number referenced, making them potentially invalid.
Sofia Gomez
•Oh no, how do you catch errors like wrong filing numbers without spending hours on manual review?
StormChaser
•That's exactly what document verification software is for. Upload all the PDFs and let it check the cross-references automatically.
Bottom line - never trust the Wisconsin UCC search results as definitive. Always pull and review the actual documents. For a $280K deal you can't afford to guess about lien status. Either do the manual verification work yourself or use a professional service to make sure you get it right.
Same here. I was about to rely on the search results but clearly that would have been a mistake.
Good reminder that technology can fail us. Sometimes the old fashioned manual document review is the only way to be certain.
CosmicVoyager
Had similar issues with corporate name changes. The search system doesn't handle them well, but legally you're protected as long as the filing numbers connect properly. Your lender should understand this is a common system limitation.
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CosmicVoyager
•Include screenshots of searches under both names - shows you did comprehensive due diligence.
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Ravi Kapoor
•Visual documentation always helps with lender concerns.
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Freya Nielsen
Update: Ran searches under both the old and new entity names and found all the filings! The continuation is properly connected by filing number. Going to document everything clearly for the lender. Thanks everyone for the guidance - this forum saved me a lot of stress.
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Yara Khalil
•Great outcome. Your lender should be satisfied with the complete filing history.
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Keisha Brown
•Nice resolution! Those document verification tools really help for these situations too.
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