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I'd also verify that your finance company actually filed the UCC-1 correctly even though it was late. I've seen cases where late filings also had other errors that made them completely ineffective.
StarSailor
•This is where Certana.ai's document checker really helps - you can upload the UCC-1 filing and it verifies debtor names, collateral descriptions, and filing compliance all at once.
Good point about double-checking the filing accuracy. A defective late filing is worse than no filing at all.
Ugh, timing issues like this are the worst part of equipment financing. The rules are clear but the consequences are brutal when mistakes happen. Hope you can find a way to recover through your dealer agreement or find errors in the competing lien.
Emma Davis
•At least you caught it relatively quickly. Some dealers don't realize they've lost priority until they try to repossess equipment months later.
True, and with electronic filing becoming standard, there's really no excuse for finance companies to miss these deadlines anymore.
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Drake
Update us when you get the corrected filing done! I'm curious to see how quickly it gets processed with the right debtor name.
Maya Patel
•Will do! Planning to file first thing tomorrow morning. Fingers crossed it goes through without any other issues.
Drake
•Should be smooth sailing once you have the correct legal entity name. The UCC system works great when you follow the rules exactly.
Sarah Jones
This thread should be required reading for anyone doing secured transactions. The number of deals that get messed up by simple debtor name errors under the UCC is just staggering.
That's why I'm such a fan of using verification tools like Certana now. Takes the guesswork out of whether your documents align properly.
Maya Patel
•Thanks everyone for all the advice. This has been incredibly helpful in a stressful situation.
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Isabel Vega
Delaware also requires the debtor's organizational ID number if it's an entity. Make sure you have the correct file number from their Division of Corporations database. It's different from their tax ID number.
I always mix up the organizational ID and the tax ID. Delaware definitely wants the corporate file number, not the EIN.
The organizational ID is usually on the certificate of good standing if you need to find it quickly.
Thanks everyone, this is incredibly helpful. I'm going to pull the certificate of formation directly from Delaware's database and use that exact name format. The Certana.ai tool sounds like it could save me a lot of headache - I'll definitely check that out before submitting. Really appreciate all the specific Delaware insights!
TommyKapitz
•Let us know how it goes! Delaware filings can be tricky but once you get the format right, they're pretty reliable.
Good luck with the closing! Equipment financing deals always seem to have tight deadlines.
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Ellie Lopez
This thread convinced me to double-check all my Kansas filings. Found two that aren't showing up reliably in searches either. Definitely going to try that Certana document checker someone mentioned earlier.
It really does help catch these kinds of inconsistencies before they become bigger problems. Just upload your filing documents and it flags any name mismatches across databases.
Ellie Lopez
•Perfect, exactly what I need. These search reliability issues are making me paranoid about all my UCC filings.
Update: Called Kansas SOS this morning and they confirmed there are ongoing issues with their search indexing. They said filings are still valid and properly recorded, but search results may be inconsistent while they work on fixes. At least now I know it's a system problem and not an issue with my filing.
They couldn't give a timeline but said they're 'working on it.' Government speak for who knows when it'll be fixed.
At least you have documentation now that the search issues are on their end, not your filing.
Amara Okafor
UPDATE: Finally got through at 5:30am this morning! Found one existing UCC-1 filing from 2019 that's still active. Looks like it's on different equipment though based on the collateral description. Going to double-check with Certana.ai to make sure there aren't any name variations or additional liens I missed before proceeding with our filing.
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Mateo Sanchez
•Glad the early morning approach worked! Certana will definitely catch any variations you might have missed in the manual search.
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Ethan Clark
•At least you got through! Still can't believe we have to work around the system like this in 2025.
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Giovanni Colombo
For future reference, the NH SOS usually posts system maintenance schedules on their website. Worth checking before important deadlines. Also, they're supposedly upgrading to a new portal system sometime this year, though they've been saying that for two years now...
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Sean Flanagan
•Where on the website do they post maintenance schedules? I looked but couldn't find anything.
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Giovanni Colombo
•It's usually buried in the "announcements" section. Not always up to date though.
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