Ask the community...
- DO post questions about your issues.
- DO answer questions and support each other.
- DO post tips & tricks to help folks.
- DO NOT post call problems here - there is a support tab at the top for that :)
Join the conversation
Join the conversation
The whole UCC system is a mess honestly. You've got 50 different state filing systems, each with their own quirks and search interfaces. Add in debtor name changes, business structure changes, and you're bound to miss something eventually.
Amen to that. I've been doing this for 15 years and still get surprised by weird state-specific rules and portal glitches.
At least most states have electronic filing now. Remember when you had to mail paper forms and hope they got processed correctly?
Ava Thompson
Bottom line - if your original UCC-1 was filed March 8, 2016, and you can't find any continuation filed between September 2020 and March 2021, your security interest has been lapsed for over 3 years. The debtor name change in 2019 without a corresponding amendment just makes things worse. You'll need to file a new UCC-1 immediately to re-establish your security interest, but you'll be starting fresh with a 2024 priority date.
Ava Thompson
•File the new UCC-1 ASAP. At least you'll have some security going forward, even if you lost your original priority. And maybe implement better tracking systems to prevent this from happening again.
Miguel Ramos
•Ouch, that's rough. But yeah, get a new filing done immediately before anything else goes wrong with that loan.
Join the conversation
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.
Join the conversation
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.
Join the conversation
Jay Lincoln
Just went through this exact scenario with a equipment financing UCC-1 in Ohio. Turned out the borrower had a tiny punctuation difference in their legal name - we had 'Manufacturing, Inc.' but their articles showed 'Manufacturing Inc.' without the comma. Rejected twice before we caught it.
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.
Lily Young
Also double-check that you're using the right organizational ID number. Ohio requires the charter number or EIN to match their records exactly. One wrong digit and it's an automatic rejection under their UCC codigo uniforme de comercio processing rules.
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.
Dylan Baskin
Bottom line, don't panic but definitely take this seriously. UCC search discrepancies can kill deals if not properly resolved. I'd recommend getting copies of all the actual filings (not just the search results) and reviewing them carefully. If you're still confused after that, consider bringing in outside counsel who specializes in secured transactions. The cost of expert help is usually worth it compared to the risk of missing something important.
0 coins
Lauren Wood
•Agreed on getting the actual filed documents rather than relying on search summaries. Sometimes the search results don't capture all the nuances in the actual filings.
0 coins
Ellie Lopez
•We always order certified copies of all UCC filings for deals over a certain dollar threshold. It's amazing how often the actual documents reveal details that don't show up in the search results.
0 coins
Chad Winthrope
Update us on what you find out! These kinds of situations are great learning experiences for everyone. I'm curious whether the partial release issue turns out to be an amendment you missed or something else entirely.
0 coins
Paige Cantoni
•Looking forward to hearing how this resolves. Always interesting to see how these complex filing situations work out.
0 coins
Kylo Ren
•Same here. These real-world examples are so much more helpful than textbook scenarios.
0 coins