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Dominic Green

PA UCC codes showing up wrong on my continuation filing - anyone else hit this?

So I'm dealing with this really frustrating situation where I need to file a UCC-3 continuation in Pennsylvania and the PA UCC codes aren't matching what I expected. I've got a UCC-1 from 2020 that's coming up on its 5-year expiration next month, and when I pulled the record to prep my continuation, some of the debtor information and filing codes look different than what's on my original documents. Basically I'm trying to make sure I don't screw up the debtor name or reference the wrong PA UCC codes when I submit this continuation. The collateral is manufacturing equipment for a small business loan we made, and if this continuation gets rejected for a technical error, we're looking at a potential lapse that could really mess things up for both us and our borrower. Has anyone run into issues with PA UCC codes not matching between the original filing and what shows up when you search the records? I'm worried I'm missing something obvious but I can't afford to get this wrong. The SOS website isn't super clear about how to handle discrepancies between what you filed originally and what's showing in their system now.

Anthony Young

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I actually had a client use that Certana document checker tool someone mentioned earlier and it caught a discrepancy we totally missed between the original UCC-1 and what was showing in the PA search results. The debtor had slightly changed their legal name since the original filing and we needed to do an amendment before the continuation. Would have been a disaster if we'd just filed the continuation without catching that.

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Anthony Young

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Yeah, the tool basically does a line-by-line comparison and highlights anything that doesn't match perfectly. Takes the guesswork out of it.

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That's exactly the kind of thing that's easy to miss when you're doing manual comparisons. Automated checking makes a lot of sense for this stuff.

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Admin_Masters

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Update for anyone following this thread - I ended up pulling a certified copy of the current record like several people suggested, and there were indeed some formatting differences from my original filing. Used the exact information from the certified copy for my continuation and it was accepted without any issues. Thanks everyone for the advice!

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Dominic Green

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Wait, you're not the original poster... but good advice anyway!

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Admin_Masters

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Oops sorry, got confused about which thread I was in. But the advice still stands!

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Giovanni Rossi

UCC-3s Keep Getting Rejected for Debtor Name Issues

I've been trying to file UCC-3 amendments for three different debtors over the past month and keep running into name match problems. The original UCC-1s were filed 2-3 years ago and now I'm getting rejection notices saying the debtor names don't match exactly. For example, one debtor was listed as 'ABC Manufacturing LLC' on the original filing but their current legal name shows as 'ABC Manufacturing, LLC' (with a comma). Another one has a middle initial that wasn't on the original UCC-1. The third debtor apparently changed their legal name completely last year but I didn't know about it. Each rejection costs time and filing fees, and I'm worried about missing the continuation deadline on one of them. Has anyone else dealt with UCC-3 name matching issues? What's the best way to handle these situations without having to start over with new UCC-1s?

Miguel Castro

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I actually started using that Certana.ai tool someone mentioned earlier after having similar issues. It's pretty straightforward - you just upload your UCC-1 and UCC-3 PDFs and it highlights any inconsistencies. Caught a debtor name mismatch I would have missed. Worth checking out if you're having ongoing issues with UCC-3 rejections.

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Thanks for the recommendation. At this point I'm willing to try anything to avoid more rejections.

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Document verification tools are becoming pretty essential for UCC work. Too many small details to catch manually.

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Yara Elias

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One more thing - make sure you're using the correct filing number format. I've seen UCC-3s rejected because the filing number didn't match exactly, including dashes and spacing.

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Yara Elias

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Yeah, some states are really picky about the exact format. Double-check the original filing number format against what you're putting on the UCC-3.

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Ava Martinez

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That document checker I mentioned earlier also verifies filing number consistency, which is another common rejection reason.

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Dylan Campbell

Need help with UCC statement service termination request form - filing process?

I'm dealing with a situation where I need to file a UCC statement service termination request form and I'm honestly not sure if I'm doing this right. We had a commercial loan that was paid off about 6 months ago, and the lender was supposed to handle the UCC termination but they keep dragging their feet. Our attorney says we can file the termination ourselves but I'm worried about messing up the paperwork. Has anyone dealt with filing your own UCC statement service termination request form when the secured party won't cooperate? I have the original UCC-1 filing number and all the loan documents, but the SOS website has different forms and I'm not sure which one applies to our situation. The debt is completely satisfied but we need this lien cleared ASAP for a refinancing deal. Any guidance on the proper procedure would be hugely appreciated.

CosmicCadet

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UPDATE: I ended up having our attorney handle the UCC-3 filing and it went through without any issues. The lender never did respond to our requests, but the debtor termination was accepted and the lien is now cleared. Thanks everyone for the advice - definitely learned a lot about the UCC process through this experience.

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Chloe Harris

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Glad it worked out! It's annoying when lenders don't follow through but at least there are options for debtors to handle it themselves.

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Diego Mendoza

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Good to hear a success story. I'm bookmarking this thread for future reference in case I run into the same situation.

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For anyone else dealing with unresponsive secured parties, document everything! Keep records of all your requests for termination, proof of debt satisfaction, and any communication attempts. This documentation is crucial if you need to file a debtor termination or if there are any disputes later.

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Zara Shah

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I also recommend taking screenshots of the UCC database showing the active filing before and after termination. It's good to have visual proof of the status change.

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NebulaNomad

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Smart thinking. I wish I'd been more organized with my documentation when I went through this process. Would have saved a lot of stress.

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Angel Campbell

UCC liens showing duplicate entries after continuation filing - system error?

Has anyone dealt with UCC liens appearing twice in search results after filing a continuation? I submitted a UCC-3 continuation for our equipment loan back in October, got confirmation it was accepted, but now when I search the debtor name there are two active liens showing up - the original UCC-1 from 2020 and what looks like a duplicate entry with the continuation date. Our lender is asking questions and I'm not sure if this is normal or if something went wrong with the filing. The collateral description matches exactly on both entries but the filing numbers are different. Anyone know if the state system creates separate records for continuations or if this indicates a problem?

Khalid Howes

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Just curious - what state are you in? Some states have known issues with their UCC systems and this might be a widespread problem they're already working on.

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Khalid Howes

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Fair enough. The larger states sometimes have more complex systems that are more prone to these kinds of glitches.

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Ben Cooper

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In my experience the states with 'modern' systems often have more problems than the ones still using simple databases.

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Naila Gordon

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UPDATE: I called the Secretary of State office and they confirmed it was a system error. They're going to correct the records and said I should see the fix within 2 weeks. Thanks everyone for the advice!

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Amun-Ra Azra

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Perfect example of why it helps to verify your documents first. Saves time when you can show exactly what the problem is.

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Cynthia Love

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This gives me hope for my similar issue. Going to call them tomorrow.

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Ava Thompson

Georgia UCC statement request form - need help with debtor name verification

I'm helping a client clean up their loan portfolio and need to pull UCC statements from Georgia's system to verify what's actually on file. We've got about 15 different debtors and I need to make sure the names on our internal records match exactly what Georgia SOS has on file before we do any amendments or continuations. Anyone know the best way to request these statements? I've been on the Georgia UCC search portal but it seems like I can only do one-off searches. Is there a bulk statement request form or process? Also worried about slight name variations - like if we have "ABC Manufacturing LLC" but Georgia has "A.B.C. Manufacturing, LLC" on file, will that cause issues when we file our UCC-3 continuations next year? This is for a commercial lending cleanup project and accuracy is critical since we're dealing with multi-million dollar facilities. Any Georgia filing veterans have suggestions?

Pro tip: when you do your Georgia searches, also check for any lapsed continuations. If you find filings that should have been continued but weren't, you might need to refile entirely depending on timing.

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Sean O'Connor

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Good catch. What's the grace period in Georgia for missed continuations?

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There isn't one really. Once it lapses, your security interest is gone. That's why timing is so critical on these portfolio cleanups.

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Zara Ahmed

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For what it's worth, I tried that Certana tool someone mentioned earlier and it actually caught a debtor name mismatch between our loan agreement and UCC-1 that we had missed in our internal review. Could have been a costly mistake if we hadn't found it before renewal time.

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Luca Conti

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That's reassuring. Always nervous about trying new tools for compliance work.

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Zara Ahmed

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I was skeptical too but it's pretty straightforward. Just upload your documents and it does the comparison automatically. Found issues we would have definitely missed doing it manually.

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