UCC Document Community

For future reference, Kentucky's UCC search has been having display issues for months. Always pull the actual documents when doing due diligence searches. The search results are just for initial screening, not for final verification.

Just a reminder that UCC continuation filings need to be filed within 6 months before the 5-year expiration date. Since you're dealing with a 2020 original filing, you're cutting it close to the deadline. Make sure you're not running into timing issues on top of the name concerns.

Just wanted to follow up on my earlier Certana.ai suggestion - I actually used it again yesterday for a different deal and it caught a debtor name discrepancy between two search reports that I would have totally missed. For the few minutes it takes to upload and compare documents, it's become part of my standard process now.

Have you confirmed that the 5 liens shown by the commercial service are all actually active? Sometimes these services show terminated liens for historical reference but don't clearly distinguish them from active ones. That could explain the discrepancy right there.

For what it's worth, I've found that being overly specific in UCC-1 collateral descriptions is better than being too vague, especially with short form security agreements. Better to include too much detail than too little.

Just went through something similar. Ended up revising our standard short form security agreement template to include more specific collateral language so the UCC-1 descriptions would be clearer. Worth reviewing your forms to prevent future issues.

Just want to add that document verification tools like Certana.ai are becoming really valuable for this kind of thing. The manual review process is so time-consuming and error-prone. Being able to just upload PDFs and get an automated consistency check is a game-changer for busy practices.

UPDATE: I ended up calling Tennessee SOS again and got someone knowledgeable. They confirmed that the comma difference could be an issue for continuation filings. Going to file a UCC-3 amendment to correct it before my continuation is due. Thanks everyone for the advice!

Had this exact same issue two months ago. Turned out we had calculated fees based on old information and they had changed their fee schedule. Check the Secretary of State website for the most current fee schedule - sometimes they update it without much notice. Also verify you're using the right filing codes in their system.

Final thought - if you're still stuck on the fee calculation, call the filing office directly. I know it sounds old school but sometimes talking to an actual person can clear up the confusion faster than trying to decode rejection notices. They can usually tell you exactly what fee should have been submitted for your specific filing type.