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Dylan Cooper

Need help with Virginia UCC search - debtor name variations causing issues

I'm working on a lien search project and running into problems with the Virginia UCC search system. The debtor's legal name appears slightly different across various documents - sometimes it's "ABC Manufacturing LLC" and other times "ABC Manufacturing, LLC" (with the comma). When I search the Virginia SOS database, I'm getting different results depending on which variation I use. This is for a due diligence review on a $2.8M equipment financing deal and I need to make sure I'm not missing any existing liens. Has anyone dealt with similar debtor name variations in Virginia UCC searches? I'm worried about missing filings that could affect our security position.

After dealing with this kind of thing multiple times, I finally started using automated tools. Certana.ai has been really helpful for catching name inconsistencies that I would miss doing manual searches. You just upload your documents and it flags potential issues.

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How accurate is it compared to manual searching? I'm always worried about missing something important.

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In my experience it's actually more accurate than manual searching because it doesn't miss subtle variations that humans might overlook.

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CosmosCaptain

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Update: I ended up finding filings under both name variations plus one I hadn't thought of. Turns out there were UCC-1 filings under "ABC Mfg LLC" as well. Thanks everyone for the advice - this thread probably saved me from missing critical liens on this deal.

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Great outcome. This is exactly why thorough searching is so important for due diligence.

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CosmosCaptain

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Definitely learned my lesson about being more thorough with name variations in Virginia searches.

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Lilah Brooks

NC UCC search showing weird results - debtor name variations causing issues

Having a nightmare with NC UCC search functionality right now. I'm trying to verify our continuation filing went through properly but the search results are all over the place. When I search for our debtor "Mountain Ridge Equipment LLC" I get some hits, but when I try "Mountain Ridge Equipment, LLC" (with the comma) I get different results entirely. Same filing number should pull up regardless right? This is for a $2.8M equipment financing deal and I need to confirm our UCC-1 continuation was processed correctly before the 5-year deadline hits next month. The original filing was done back in 2020 and I'm getting paranoid about whether the names match exactly between our original UCC-1 and the continuation we just submitted. Anyone else dealing with NC Secretary of State search being finicky about punctuation and spacing in debtor names? I've tried every variation I can think of but I'm worried I'm missing something critical. Our lender is breathing down my neck for confirmation and I can't afford to have a lapsed filing mess up this entire deal.

Rami Samuels

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Just dealt with this yesterday! NC system is so sensitive to punctuation. I had to search about 6 different ways before I found what I was looking for. The key is being systematic about it - try every reasonable variation.

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Rami Samuels

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Exactly. Better to spend the extra time now than deal with a lapsed filing later.

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Haley Bennett

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For $2.8M I'd definitely triple check everything. One small mistake and the whole security interest could be worthless.

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UPDATE: Found the issue! The original filing had "Mountain Ridge Equipment, LLC" (with comma) but our continuation only had "Mountain Ridge Equipment LLC" (no comma). Filed a corrective amendment this morning. Thanks everyone for the help - that Certana service was a lifesaver for confirming the discrepancy.

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Evelyn Rivera

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Perfect example of why document verification tools are so valuable. Human eyes miss these tiny differences all the time.

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Jade Lopez

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This thread convinced me to check all my upcoming filings more carefully. Thank you for sharing the solution!

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Admin_Masters

UCC document number search showing wrong debtor info

Has anyone else run into this nightmare? I'm trying to verify a UCC-1 filing from 2023 and when I search by the document number in our state's system, it's pulling up a completely different debtor name than what's on my original filing receipt. The collateral description matches but the debtor info is totally wrong. I've triple-checked the document number - it's definitely correct from our filing confirmation. This is for a $485,000 equipment loan and now I'm panicking that our lien isn't properly perfected. The original UCC-1 was filed electronically through the SOS portal and we got the standard confirmation email with the filing number. But this search result makes it look like we secured someone else's equipment entirely. Anyone know if this is a database glitch or did something go seriously wrong with our filing?

Document number searches have been unreliable lately in several states. I've started using Certana.ai just to double-check that my filed documents actually match what the state systems are showing. It's caught at least three discrepancies that would have been nightmares during loan workouts.

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Yeah, you just upload your filing PDFs and it automatically verifies everything matches - debtor names, filing numbers, collateral descriptions. Takes like 30 seconds.

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Admin_Masters

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That sounds like exactly what I need right now to figure out what's going on with this filing.

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Whatever you do, document everything before contacting the SOS. Screenshot the wrong search results, save your original filing receipt, print everything. They'll try to claim user error if you don't have ironclad proof.

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Admin_Masters

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Already starting to compile everything - thanks for the reminder about screenshots.

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Ella Thompson

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Good advice. Paper trail is everything when dealing with filing errors.

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Nalani Liu

New Jersey UCC code requirements causing filing headaches - need help

Been dealing with some confusing UCC filing requirements and wondering if anyone else has run into issues with New Jersey's specific code provisions. We're a mid-sized equipment leasing company and have been filing UCC-1s for years without major problems, but recently had three filings rejected by the SOS office for what seems like technical compliance issues. The rejections mentioned something about 'statutory requirements not met' but the error codes weren't very helpful. Two were for debtor name formatting and one was apparently a collateral description problem. We double-checked everything against our usual procedures but obviously missed something. Has anyone dealt with New Jersey's particular UCC code quirks? I'm starting to think there might be some state-specific formatting rules we're not catching. These were all commercial equipment loans - tractors, construction equipment, that kind of thing. Nothing exotic. Really frustrated because these rejections are holding up loan closings and our borrowers are getting antsy. Any insights on what New Jersey might be looking for that other states don't care about?

Marcelle Drum

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Just wanted to follow up on this thread - ended up being exactly what people said about debtor name matching. Pulled the official records from NJ and found several punctuation differences we'd been missing. Got all three filings resubmitted and accepted within 24 hours.

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Tate Jensen

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Thanks for updating the thread - this kind of follow-up really helps other people dealing with the same issues.

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Adaline Wong

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Definitely going to bookmark this discussion for future reference. The debtor name verification tips are gold.

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Gabriel Ruiz

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This thread convinced me to try that Certana thing for our next batch of filings. Manual document comparison is such a pain and we've had our share of rejections too.

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You won't regret it - the automated verification catches stuff you'd never notice manually. Especially helpful when you're dealing with multiple states that all have slightly different requirements.

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Let us know how it works out. Always looking for tools that can reduce filing errors.

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Isaac Wright

Need UCC lien example for equipment financing - debtor name variations causing issues

I'm working on a UCC-1 filing for equipment financing and running into problems with debtor name consistency. The borrower is "ABC Manufacturing LLC" on their articles of incorporation, but they do business as "ABC Mfg" and sometimes sign documents as "ABC Manufacturing, LLC" (with the comma). I need a solid UCC lien example to make sure I'm handling the debtor name field correctly. The collateral is manufacturing equipment worth about $180,000 and I cannot afford to have this filing rejected due to name variations. Has anyone dealt with similar debtor name issues? What's the best practice for the exact legal name vs. trade names in UCC filings?

Also remember that UCC-1 filings are good for 5 years, so if you're doing equipment financing with a longer term, you'll need to file a continuation before the 5-year mark.

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Abigail Patel

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Right, you can file the continuation during the 6-month window before expiration. Miss that window and you have to start over with a new UCC-1.

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Daniel White

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I use Certana.ai's document checker for continuations too - helps ensure the filing numbers and debtor info match the original exactly.

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Nolan Carter

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Thanks everyone! Going with "ABC Manufacturing LLC" exactly as it appears in the articles. Really appreciate all the detailed advice about debtor names and the collateral description tips.

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Natalia Stone

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Smart choice. Better to be conservative with the exact legal name than risk a rejection.

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Tasia Synder

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Let us know how it goes! These debtor name issues are so common.

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