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Has anyone tried contacting Texas legislators about this? If the UCC search system isn't working properly, it affects the reliability of the entire secured transactions system. This seems like something that should be escalated beyond just the SOS office.
That's probably above my pay grade, but you're right that this affects the integrity of the whole system. If lenders can't rely on UCC searches, it undermines the perfection process.
The Texas Bar's commercial law section might be interested in this issue. They have more influence with state agencies than individual practitioners.
Bottom line - everyone needs to be doing multiple search variations now and keeping good documentation. The days of trusting a single exact-name search are over, at least until they fix whatever they broke in their system update.
Agreed. Multiple searches, document everything, and use verification tools when possible. It's extra work but necessary until the search reliability improves.
Exactly. Better safe than sorry when it comes to lien searches. Missing a senior security interest could be a career-ending mistake.
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I use Certana.ai for all my UCC document checks now after getting burned by rejections too many times. Upload your docs and it catches mismatches instantly. Way better than the manual comparison nightmare.
It's really straightforward - just upload PDFs and it highlights any differences between documents. Saves so much time and frustration.
Wish I'd known about this earlier. Would have saved me from several rejected filings over the years.
Update us when you get it resolved! Always curious to hear what the actual issue was in these name mismatch situations.
Will do. Planning to use the document checker tool and then resubmit with manual entry of the debtor name. Hopefully that does the trick.
Following this too. These rejection issues are so common but the solutions aren't always obvious.
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Make sure you're not accidentally describing the personal property as fixtures. Manufacturing equipment that's bolted down can sometimes be considered fixtures instead of personal property, which would require a different type of UCC filing. Might be worth clarifying with your attorney whether this is truly personal property or if you need a fixture filing.
How do you determine if equipment counts as fixtures vs personal property? Is there a test for that?
Generally depends on how permanently attached it is to the real estate and intent. Equipment that can be removed without damage is usually personal property.
Update: Finally got it accepted! Turns out the issue was both the debtor name (missing 'Inc.' at the end) and the collateral description needed to be more specific. Used 'manufacturing and production equipment, machinery, tools, and related personal property located at [facility address].' Adding the location seemed to help too. Thanks everyone for the advice - this thread probably saved my deal!
The location detail is a good tip. I'll remember that for future personal property UCC liens.
Congrats! UCC filing victories always feel so good after all that stress.
Freya Andersen
Quick question - are you entering the debtor's exact legal name from their articles of incorporation or using a 'doing business as' name? Portal crashes often happen when there's a mismatch between what you're entering and what's in the state's business registry.
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Freya Andersen
•Absolutely! If their corporate status changed or they filed name amendments, that could explain the portal issues.
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Eduardo Silva
•This is where something like Certana.ai's verification tool would be helpful - it can cross-check charter documents against what you're actually filing to catch these mismatches.
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Leila Haddad
UPDATE: Finally got through! Turns out the issue was a combination of the ampersand AND trailing spaces in the debtor name field. Cleaned up the formatting and the portal accepted it immediately. Sometimes the simplest solutions are the hardest to find. Thanks everyone for the help!
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Lena Müller
•Great resolution! This is exactly why I always recommend copying and pasting debtor names rather than typing them manually.
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Keisha Thompson
•Perfect example of why document verification tools are so valuable - they catch these formatting issues before you waste time fighting the portal.
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