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Andre Dupont
I dealt with a similar maine ucc search issue last year. Ended up having to get title insurance because we couldn't definitively clear all the liens. Sometimes that's the safest route for expensive equipment.
StarStrider
•Title insurance for equipment - I didn't know that was an option. What does that typically cost?
Andre Dupont
•Depends on the equipment value, but it was worth it for peace of mind on a six-figure purchase.
Update us when you figure this out! I'm dealing with a similar situation in New Hampshire and curious how it resolves.
StarStrider
•Will do! I'm going to pull all the complete UCC documents first, then probably use that Certana verification tool to make sure I'm not missing anything.
Jamal Wilson
•Smart approach. Better to be thorough upfront than deal with lien issues later.
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Omar Fawzi
UPDATE: I called the Florida SOS office this morning and they found our filing immediately using the filing number. The rep said there was a technical issue with their search index that affected filings from that particular week. They're working on fixing it and said it should be searchable within 24-48 hours. Thanks everyone for the suggestions!
This makes me feel so much better about my upcoming filing.
Glad it worked out! For future filings, definitely consider using a verification tool like Certana.ai to catch any potential issues before they become problems.
Chloe Wilson
This is exactly why I always do a test search immediately after filing. Catches these issues early.
That's smart. I usually wait a day or two but I'll start checking right away from now on.
Same here. If there's going to be a problem, better to find out sooner rather than later.
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Diego Vargas
This is why I always recommend having all loan documents prepared by someone familiar with UCC requirements. Templates are fine for simple situations but complex transactions need proper legal review to ensure everything works together.
LunarEclipse
•Lesson learned for sure. I'll be more careful about document preparation going forward.
NeonNinja
•Templates definitely have their place but they can create these kinds of coordination issues.
Get that debtor name fixed before you file! I've seen too many people file with the wrong name format and then have to do amendments or terminations to fix it. Much easier to get it right the first time.
LunarEclipse
•Definitely planning to fix it first. Thanks for the reinforcement that this is the right approach.
Sean Murphy
•UCC-3 amendments are such a pain. Always better to get the UCC-1 right initially.
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StarStrider
For equipment collateral descriptions, I like to include photos in my file even though they don't go in the UCC. Helps later if there are disputes about what was actually included in the collateral. Plus the borrower appreciates the documentation for their insurance purposes.
StarStrider
•Usually have the borrower provide them but I specify what I need - clear shots showing serial numbers, manufacturer plates, etc. Makes it easier to write accurate descriptions.
Luca Marino
•Never thought of using photos for UCC prep but that makes total sense. Especially for unique or custom equipment.
Nia Davis
Thanks everyone for all the advice! Sounds like I'm on the right track being extra careful about the debtor names. I'm definitely going to check out that Certana verification tool - anything that can catch name mismatches before filing sounds like it would save a lot of headaches. For the collateral description I think I'll go with the detailed approach listing major equipment pieces plus a catchall. Better safe than sorry with this much money involved.
Aisha Rahman
•Let us know how it goes. Always curious to hear about multi-entity deals and how they work out.
You've got this! Just take your time with the name verification and you should be fine.
Amara Chukwu
Document everything in writing and set a reasonable deadline for their response. If they continue to stonewall, consult with your attorney about demanding proper documentation through formal channels.
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Zara Malik
•Good advice - I'll send a formal written request with a 10-day response deadline.
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Amara Chukwu
•Perfect. That creates a paper trail if this escalates to a priority dispute later.
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Giovanni Conti
Update us when you get their response! These multi-creditor situations always have interesting twists when you dig into the actual filings.
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Zara Malik
•Will do - hopefully they cooperate and provide the filing details we need for verification.
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Yuki Yamamoto
•If they keep stonewalling, definitely try that document verification tool I mentioned. Really eye-opening for these situations.
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