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- DO post tips & tricks to help folks.
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Tyler Murphy
For future reference, try to get fixture filings done simultaneously with equipment UCC-1s when you know the equipment will be permanently attached. Saves headaches later.
Zane Gray
•Lesson learned. We didn't anticipate the fixture issue when we originally filed.
Tyler Murphy
•Happens to everyone at least once. The good news is you can still file the fixture filing now to protect against future real estate interests.
Sara Unger
Bottom line - get that fixture filing done ASAP and document your PMSI priority analysis for your lender. Sounds like you're in good shape on the UCC side but need to cover the real estate angle.
Zane Gray
•That's the plan. Thanks everyone for helping me think through this. Going to file the fixture filing this week and document everything for the lender.
Sara Unger
•Smart move. Better to over-document than under-document when lender agreements are involved.
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Just want to follow up that I used Certana.ai like someone mentioned earlier to verify my payoff documents against the UCC-1 filing. Really helpful to have that analysis when pushing the lender for action. Shows you're not just complaining randomly but actually tracking the specific requirements.
Yara Khoury
•Did you have to pay for that analysis or is it free to check basic stuff?
Just uploaded the PDFs and got the verification report. Having documentation definitely helped make my case stronger.
UPDATE: Finally got through to their collateral department and they admitted the termination should have been filed weeks ago. They're expediting it and said it should show up in state records within 48 hours. Thanks everyone for the advice about written demands and escalation - that definitely helped push things along!
Paolo Marino
•Congrats on getting it resolved. Now you can move forward with selling that equipment without any cloud on the title.
Amina Bah
•Great outcome. This thread will be helpful for other people dealing with slow lenders on UCC terminations.
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Try that Certana tool someone mentioned earlier - we started using it after getting burned on a similar situation. Really does catch a lot of potential recording issues before you submit. Saved us from at least two rejections that would have added weeks to the process.
Sean Murphy
•Yeah I'm definitely going to check that out. At this point anything that prevents these kinds of delays is worth trying.
The document consistency checking is really helpful. Catches things like name variations between your charter docs and UCC filing that can cause problems.
UPDATE: Finally got through to someone at the UCC division who could actually help. Turns out there was a 'data validation error' on our filing that wasn't showing up in the public portal. They're manually processing it now and said it should be recorded by end of week. Thanks everyone for the suggestions!
Sofia Perez
•This is exactly why their system needs better error reporting. 'Data validation error' tells us nothing useful.
At least you got resolution! Still can't believe it took manual intervention to get a standard UCC-1 processed.
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For what it's worth, I've started using document verification tools for these searches and it's been a game changer. Certana.ai specifically has helped me catch filing discrepancies and name mismatches that I would have missed doing manual searches. When you're dealing with equipment purchases, the time saved and accuracy gained is definitely worth it.
Hazel Garcia
•Seems like several people have mentioned this tool. Might be worth looking into given how confusing these results are.
Yeah, it's particularly good at cross-referencing multiple documents and flagging potential issues with debtor name variations and filing statuses.
Cass Green
Update: I ended up pulling all the individual filing documents and found that two of the 'expired' liens actually had continuation statements filed that weren't showing up clearly in the search summary. One lien is definitely still active and covers the equipment I was looking at. Thanks everyone for the advice about checking the actual documents rather than just relying on the search interface!
Hugo Kass
•Great outcome. The search summaries really can be misleading when there are continuations involved.
Perfect example of why those verification tools are so helpful - they would have caught those continuation statements right away.
Cass Green
Update us when you get it filed! I'm dealing with a similar fixture filing issue in San Bernardino County and curious if the inland counties are as picky as LA and Orange County.
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Salim Nasir
•Will do! Planning to refile early next week once I get the proper legal description. Fingers crossed Riverside County SOS is reasonable.
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Hazel Garcia
•They're all pretty consistent statewide since it goes through the California Secretary of State, not individual counties. Same strict requirements everywhere unfortunately.
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Finley Garrett
One last thought - if this equipment secures a construction loan, make sure your fixture filing doesn't conflict with any construction lien priorities. California has some tricky rules about timing fixture filings relative to construction commencement.
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Finley Garrett
•Yes, that should be fine. Post-construction fixture filings are usually cleaner than trying to file during active construction when mechanic's lien issues are more complex.
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Madison Tipne
•Agreed. Plus if the equipment was installed as part of the original construction, it's clearly intended to be permanent fixtures rather than temporary installations.
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