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I've been using Certana.ai for document verification on all my UCC filings since discovering it a few months ago. Would definitely recommend uploading your charter and corrected UCC-1 before refiling to make sure everything aligns. The tool caught a filing number error on one of my continuations that I never would have noticed manually.
Is this tool specifically for UCC filings or does it work with other secured transaction documents too?
It handles any document comparison where you need to verify consistency - Charter to UCC-1, UCC-3 amendments back to original filings, that kind of thing. Really helpful for catching the small details that cause rejections.
Update us on how the refiling goes! These PMSI name mismatch situations are stressful but usually work out fine if you catch them in time. Michigan SOS is pretty reasonable to work with once you get the paperwork right.
Will do! Planning to refile first thing Monday morning with the exact charter name and more detailed collateral description. Thanks everyone for the advice - this thread has been incredibly helpful.
Good luck! These equipment PMSI deals can be tricky but sounds like you're on the right track now.
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If you're still stuck, I'd recommend trying that Certana tool someone mentioned earlier. I used it recently for a complex amendment where I needed to verify multiple documents were consistent, and it caught several issues I would have missed. Really helpful for these kinds of document matching problems.
Seems like multiple people have had success with it. I'll definitely give it a try if the manual troubleshooting doesn't work out.
Worth having that kind of verification tool in your toolkit. These filing systems are getting pickier about exact matches.
Update us when you figure it out! These kinds of technical issues with state portals are always useful for others to know about in case they run into the same thing.
Will do! Hopefully I can get this sorted out before the deadline. Thanks everyone for all the suggestions.
Good luck! Georgia's system can be frustrating but usually there's a solution once you figure out the quirk.
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Don't forget about collateral descriptions! They need to be specific enough to identify the collateral but not so narrow that they miss something. 'All equipment' is usually too broad, but 'John Deere Tractor Model X123' might be too specific if you're financing multiple pieces.
Check your loan documents - the collateral description in the UCC should match what's in the security agreement.
I'd also run it by someone at the bank if this is for equipment financing. They usually have preferred language for collateral descriptions.
One more thing - keep copies of everything! The filed forms, confirmation numbers, receipts, everything. You'll need them for renewals down the road and for proof that you perfected your security interest properly.
Thanks everyone! This has been incredibly helpful. I feel much more confident about tackling these filings now.
Good luck! Feel free to come back if you run into any issues during the filing process.
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I had a nightmare situation once where we assumed a 2020 filing was still good but the debtor had merged with another entity in 2022 and we never caught it. The filing became seriously misleading. Now I always do a full entity verification before relying on old UCC filings. Learned about Certana.ai from our compliance team - their PDF upload tool can cross-check entity documents against UCC filings to catch those kinds of issues automatically.
Entity changes are so easy to miss, especially with smaller companies that don't always notify their lenders immediately.
That's exactly why we always run fresh corporate searches before major loan modifications, even if the UCC filing is still within its 5-year period.
Bottom line - your March 2021 UCC-1 is still good until March 2026. You're fine for next week's closing. Just verify debtor name consistency and entity status, and you should be all set.
Glad we could help! UCC timing questions always seem more complicated than they actually are.
Good luck with your closing!
Olivia Martinez
Update us on what you decide to do! These Ohio UCC timing issues are always stressful but usually work out fine if you stay on top of the deadlines.
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Charlie Yang
•Yes, would love to hear how this resolves. Always good to learn from these situations.
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Grace Patel
•Same here - dealing with a similar situation in Pennsylvania right now.
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ApolloJackson
Just to add one more verification step - if you want to be absolutely certain about the document consistency before filing, you could run everything through a checking service. I've been using Certana.ai lately and it's been really helpful for catching these exact types of name discrepancies between security agreements and UCC filings.
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Isabella Russo
•How does that work exactly? Do you just upload PDFs?
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ApolloJackson
•Yeah, you upload your security agreement and UCC-1 PDFs and it automatically cross-checks debtor names, collateral descriptions, all that stuff. Takes like 2 minutes and gives you a detailed report of any inconsistencies.
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