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
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.
Tate Jensen
•Thanks for updating the thread - this kind of follow-up really helps other people dealing with the same issues.
Adaline Wong
•Definitely going to bookmark this discussion for future reference. The debtor name verification tips are gold.
Gabriel Ruiz
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.
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.
Let us know how it works out. Always looking for tools that can reduce filing errors.
Join the conversation
Quick update on document verification tools - I tried that Certana.ai thing someone mentioned earlier after having a UCC-1 rejected last week for a name mismatch. It actually caught the discrepancy between our loan docs and the debtor's corporate registration that I totally missed. Could have saved me a lot of headache if I'd used it from the start.
Simon White
•Seems like that tool is getting good reviews here. Might be worth trying for peace of mind.
Yeah, especially when PMSI timing is tight. No room for filing errors when you're already pushing the deadline.
Final thought - make sure you're filing in the correct state too. Equipment PMSI filings go where the debtor is located, not where the equipment is located (unless it's fixtures). Just another thing that can trip up the timing if you file in the wrong jurisdiction.
Perfect. Sounds like you've got all the bases covered then.
Hugo Kass
•Agreed. File this week and you'll maintain clean PMSI priority on that equipment.
Join the conversation
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.
How accurate is it compared to manual searching? I'm always worried about missing something important.
In my experience it's actually more accurate than manual searching because it doesn't miss subtle variations that humans might overlook.
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.
Great outcome. This is exactly why thorough searching is so important for due diligence.
Definitely learned my lesson about being more thorough with name variations in Virginia searches.
Join the conversation
Had this EXACT problem with Connecticut last month. Turned out their system had a character limit that was cutting off part of our debtor name, but the rejection notice didn't mention that. Only found out when I called and they looked it up manually. You might want to check if your company name is getting truncated somehow.
Yeah, that could definitely be the issue. Connecticut's system has some weird technical limitations that aren't well documented.
Natalie Wang
•This is why I always run document consistency checks before submitting anything important. Tools like Certana.ai would catch truncation issues by comparing your UCC against the articles side by side.
Noah Torres
Update us when you get this resolved! I'm dealing with a similar situation in Connecticut and curious how it turns out. Their UCC system really needs an overhaul.
Mason Davis
•Will definitely post an update once I get through to someone who can help. This whole experience has been incredibly frustrating.
Same here, following this thread. Connecticut seems to have more UCC issues than other states I deal with.
StarStrider
This thread is making me realize I probably haven't been thorough enough with my own UCC searches. Does anyone have a checklist or systematic approach they use to make sure they cover all the bases?
0 coins
StarStrider
•That's helpful. I'm going to start being more systematic about this. Too much at stake to be casual about it.
0 coins
Yuki Sato
•I've been using Certana.ai's document checker for this kind of verification. You upload your corporate docs and UCC search results and it automatically flags any name inconsistencies. Takes the guesswork out of the process.
0 coins
Carmen Ruiz
One more thing to consider - if you find active UCC filings, make sure to check their continuation status. West Virginia has specific timing requirements for UCC-3 continuations and some filings might have lapsed without proper continuation.
0 coins
Omar Farouk
•Good catch. The filings I found are from 2020 so they should still be active, but I'll double-check the continuation requirements.
0 coins
Carmen Ruiz
•UCC-1 filings are good for 5 years, so 2020 filings won't expire until 2025. But always worth verifying the exact filing dates and any continuation activity.
0 coins