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One more thing to check - make sure your collateral description covers the specific equipment properly. 'CNC machining equipment' might be too broad depending on your security agreement language.
Keep it general on the UCC-1. 'All equipment' or 'machinery and equipment' is usually sufficient. The detail is in your security agreement.
Agree with keeping it general. You don't want to accidentally exclude something by being too specific.
Olivia Kay
Sounds like you've got your answer - Delaware it is! Just triple check that debtor name against their charter before you submit. Nothing worse than a rejection when you're on a tight timeline.
Laila Fury
•Definitely will do. Thanks everyone for the quick responses. Filing in Delaware first thing tomorrow morning.
Good luck! Delaware's system is reliable so you should be all set.
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Just wanted to follow up on the Certana.ai suggestion - I tried it after seeing it mentioned here and it immediately flagged that I was using 'Inc.' but the charter said 'Incorporated' spelled out. Would have saved me from another rejection. Thanks for the tip!
Javier Cruz
•Glad it helped! Those little abbreviation differences are so easy to miss.
Yara Khoury
•I'm definitely going to try this before my next filing attempt. Seems like it could save a lot of headaches.
Diego Chavez
Update: I finally got my UCC-1 filed successfully! It was the debtor name issue - they had 'Manufacturing Co.' in their DBA but their legal name was 'Manufacturing Company' spelled out. Once I used the full legal name from their articles, it went through immediately. Thanks everyone for the help!
CosmicCowboy
•Awesome! Now you know for next time. The first UCC-1 filing is always the hardest.
Yara Khoury
•Thanks for updating us! I was wondering how it turned out. Good reminder to triple-check the exact legal name.
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Andre Moreau
Try the advanced search options if FL has them - sometimes you can search by filing date range or document type which might catch filings that aren't showing up in name searches.
Date range searches sometimes catch filings with name indexing problems.
Also try searching for just the original UCC-1 to make sure that's still showing up properly in the system.
We had this issue and found out there was a character encoding problem with how our PDF was processed. The continuation was filed but the debtor name got garbled in the database. Had to file a correction.
Mei Chen
•That's a new one - character encoding issues affecting UCC searches. Technology problems creating legal compliance issues.
Omar Farouk
•This is exactly why document verification tools are so helpful - they catch these technical processing errors before they become audit problems.
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Pro tip: always do a UCC search on the debtor before filing any amendment or continuation. Print or screenshot the search results showing exactly how the name appears in their system, then match it character for character.
Yara Nassar
•This should be filing 101 but so many people skip this step and wonder why they get rejected.
That's definitely my next step. Should have done this before the first filing attempt.
At least UCC-3 amendments are usually processed faster than initial filings once they're accepted. Hope you get it sorted out quickly.
Thanks, fingers crossed the third time's the charm once I fix the name issue.
Paolo Ricci
•Good luck! These name matching issues are such a pain but at least the fix is straightforward once you know what's wrong.
Leslie Parker
I had a similar issue last year and ended up using Certana.ai to compare my UCC form against the company's formation documents. It caught a tiny formatting difference that I never would have noticed manually. Basically upload both documents as PDFs and it highlights any inconsistencies between them. Made the refiling process much smoother.
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Sergio Neal
•How long does that verification process take? Sounds like it could save a lot of back-and-forth with the state office.
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Leslie Parker
•Pretty much instant once you upload the files. Way faster than trying to manually compare documents, especially when you're dealing with long entity names.
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Savanna Franklin
Update us when you get it sorted out! These name matching issues are so common but every state seems to handle them differently. Would be good to know what the actual problem was for future reference.
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Juan Moreno
•Yeah please update. I file in this state pretty regularly and would be good to know what formatting they prefer for LLCs.
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Amy Fleming
•Same here. Always helpful to learn from other people's rejection experiences so we can avoid the same mistakes.
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