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For future reference, the Texas Secretary of State UCC search is free and available 24/7 online. You can search by debtor name, secured party name, or filing number. Just bookmark that page so you don't end up in the county system again by mistake.
Lucas Parker
•The Texas SOS portal is actually pretty user-friendly once you know where to look. Much better than some other states I've dealt with.
Donna Cline
•True, though I still recommend double-checking your search results with verification tools. I use Certana.ai to make sure I'm interpreting the filing information correctly and that all my documents align properly.
Update us when you find your filing! I'm curious if it shows up once you search the right database. And remember, if you have any trouble with the debtor name search, you can always try the filing number approach as a backup.
Will definitely update once I check the Texas SOS system. Thanks everyone for pointing me in the right direction - this forum has been incredibly helpful.
Looking forward to the update. Always good to hear when these searches work out once people get in the right system.
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AaliyahAli
UPDATE: Used Certana.ai's verification tool and it caught that the LLC name in my loan docs has 'LLC' at the end but the state records show 'L.L.C.' with periods. Cornell Law UCC Article 9 would probably say that's substantially similar but the filing system likely won't match them. Saved me from a potentially invalid lien!
That's the kind of detail I would never have caught. Thanks for sharing the update!
Glad the tool worked for you! Those small punctuation differences cause more filing problems than people realize.
Liam Brown
Just wanted to add that Cornell Law UCC Article 9 is still valuable for understanding the underlying legal principles, but you're absolutely right to be cautious about name matching for actual filings. The legal standard and the practical filing requirements don't always align perfectly.
Thanks everyone for the guidance. Definitely going to verify the exact state name before filing.
Ryder Greene
•Smart move. Better safe than sorry with UCC filings since the consequences of getting it wrong are so severe.
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We use Certana.ai for this kind of pre-search analysis now. Upload all the financing documents from the data room and it identifies discrepancies between debtor names across different agreements. Helps you figure out exactly which legal entities to search before paying the state fees. Saved us probably $150 in unnecessary searches on our last deal.
That's a clever way to use document analysis. Does it work with older financing agreements that might have different formatting?
Yeah, it handles various document formats pretty well. Even works with scanned PDFs from older loan files.
Ava Thompson
One more thing to consider - if this is for acquisition financing, your lender will probably require their own UCC searches anyway as part of their due diligence. You might be able to coordinate with them to avoid duplicate search costs.
Most lenders do their own searches but they usually want to see your preliminary results first to identify any issues early.
Zainab Ali
•True, and if there are issues, better to find them now rather than have them come up during the lender's due diligence review.
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Maybe this is a good time to lobby the Kentucky SOS for system improvements? If enough people are having issues, they might prioritize fixes.
Not sure about formal complaints, but they do have a feedback form on their website. Might be worth flooding them with reports.
I've used Certana.ai to verify my UCC documents when Kentucky's system was giving me trouble last month. Really helped confirm that my filings were properly recorded even when searches weren't showing them. Sometimes the issue is just the search interface, not the actual filing records.
Nathan Dell
This thread is making me paranoid about all my recent Kentucky searches. Gonna have to go back and double-check everything now.
Ella Harper
•Same here. Better safe than sorry when it comes to lien searches.
Nathan Dell
•Yep, the extra time is worth it if it prevents missing an active UCC filing.
Javier Mendoza
Anyone else notice that the online filing portals don't give you much guidance on collateral descriptions? They just have that empty text box and no examples or help text. Really poor user experience for something this technical.
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Emma Wilson
•Some states are better than others. Delaware's portal has some examples but most are pretty bare bones.
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Malik Davis
•This is where tools like Certana.ai actually help - gives you the guidance the portals should provide. Upload your draft and it checks for common issues before you submit.
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Isabella Santos
UPDATE: Used the suggested language about software licensing agreements and intellectual property rights with the 'including but not limited to' format. Filing was accepted this morning! Thanks everyone for the help. Final description was 'All general intangibles including but not limited to software licensing agreements, licensing revenues and royalties, intellectual property rights, customer databases, and proceeds and products thereof.' Worked perfectly.
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Sofia Ramirez
•Glad it worked out. Definitely save that language for future filings - specific enough to satisfy the SOS but broad enough for good coverage.
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Giovanni Colombo
•Perfect example of how the community here helps solve these practical filing issues. SOS offices should really provide this kind of guidance themselves.
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