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- DO post tips & tricks to help folks.
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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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Try calling the state filing office directly. Sometimes they can do a manual search or tell you if there are known issues with the online system. Most states have a UCC help desk that's actually pretty responsive.
Ev Luca
•The phone support is usually way better than the online help. They can search by partial names or other criteria that the web portal doesn't allow.
Avery Davis
•Just make sure you have all your business details handy when you call. They'll want incorporation dates, addresses, all possible name variations, etc.
UPDATE: Finally got to the bottom of this. Our attorney did file the UCC-1 but used our DBA name instead of our legal corporate name. The filing is valid but wasn't showing up in searches under our incorporation name. Going to file a UCC-3 amendment to add our legal name as an additional debtor name just to be safe. Thanks everyone for the suggestions - definitely learned to double-check name consistency across all our filing docs.
Tate Jensen
•This is exactly why I always run document verification now before any major financing. Too many ways for name mismatches to cause problems later.
Adaline Wong
•Great outcome. Might want to have a conversation with your attorney about UCC best practices to avoid this in future deals.
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Aisha Patel
Update us when you get it resolved! I'm dealing with a similar Utah filing next week and want to avoid the same headaches.
Will do. Going to try the annual report name format first, then call if that doesn't work.
LilMama23
•Same here, good to know about these Utah-specific issues before I submit.
Final thought - make sure the LLC is still in good standing with Utah. If their annual report is overdue or they're administratively dissolved, that could cause UCC filing issues too.
Yeah, I've seen UCC filings get rejected because the debtor entity wasn't current with the state. Easy thing to miss.
Thanks everyone for all the suggestions. This gives me several things to check before attempting the third filing.
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Update: I ended up finding three additional UCC-1s I had missed initially by trying different name variations. Two were active continuations and one was a terminated filing I still wanted to review. Thanks everyone for the tips - this thread probably saved me from a major lien priority issue.
Great outcome. Mind sharing what the name variations were that you missed initially? Might help others avoid the same issue.
One was missing the comma before LLC, another had 'Manufacturing' spelled out vs 'Mfg' abbreviation, and the third was filed under a DBA name I didn't know about until I found their business registration.
Caleb Stone
This whole thread is a perfect example of why UCC searching is more art than science. Every state has its quirks and you really need to know what you're doing to avoid missing critical filings.
Daniel Price
•Absolutely. I've been doing UCC work for 10 years and I still learn new search tricks regularly. It's definitely not as straightforward as people think.
Olivia Evans
•This is why I always recommend using multiple search strategies and tools like Certana to cross-check everything. Too much money at stake to rely on a single search approach.
Amelia Cartwright
UPDATE: Called the PA UCC office and they confirmed there's a known issue with the search algorithm. They're working on a fix but no timeline. They did a manual search for me and confirmed no existing filings under the correct debtor name. Crisis averted but this really highlights how unreliable the portal can be.
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Rachel Clark
•Thanks for the update. Good to know it's a known issue and not just user error.
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Ryan Andre
•This is why I switched to using Certana for verification. Can't rely on the state portals when they have these kinds of systematic issues.
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Zachary Hughes
PA portal strikes again! I've had similar issues with their search function. Sometimes it helps to search for just the first few words of the entity name instead of the full legal name.
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Mia Alvarez
•That's a good tip. I'll try shorter search terms next time I'm having issues.
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Zachary Hughes
•Yeah, their search seems to work better with partial matches sometimes. Weird but that's PA for you.
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