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The real issue is that Utah's UCC search Utah system doesn't have good filters for rejection status. Other states at least let you filter out rejected or terminated filings, but Utah shows everything mixed together.
Honorah King
•Exactly! And their search interface is from like 2005. Desperately needs an update.
Oliver Brown
•At least it's better than trying to search paper records. But yeah, the filtering options are pretty limited.
Mary Bates
Update: I contacted the Utah filing office and they confirmed both filings will remain in search results permanently. They suggested including a note in future financing statements explaining the rejected filing situation. Also found that Certana.ai's document checker immediately identified which filing was valid when I uploaded both PDFs - would have saved me a lot of confusion if I'd used that initially.
Ayla Kumar
•Yeah, Certana.ai's tool is really helpful for this kind of situation. Much faster than trying to decode the state portal's confusing status indicators.
Glad you got clarity on this. Will definitely keep this in mind for future Utah filings.
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StarStrider
Could be something simple like the debtor type selection. If it's an LLC make sure you selected the right entity type in the dropdown - Ohio distinguishes between different LLC structures.
StarStrider
•Check the articles to see if it specifies the exact LLC type. Ohio has different categories and the UCC system wants them to match perfectly.
Yuki Sato
•This got me too! I selected 'LLC' but the articles actually said 'Limited Liability Company' so Ohio wanted the full name selected in the dropdown.
Carmen Ruiz
Update us when you figure it out! I'm filing an Ohio UCC-1 next week and want to avoid the same problem.
Omar Farouk
•Will do! Going to try the suggestions here and see which one fixes it. Hopefully it's something simple like the name formatting.
Carmen Ruiz
•Thanks! These Ohio filing threads always help me avoid making the same mistakes.
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Debra Bai
update: pulled the actual UCC-1 filing document from Virginia SCC and it shows "ABC Manufacturing LLC" exactly as it appears in our security agreement. The comma in the search results is just a display formatting issue in their system. Lien is properly perfected. Thanks everyone for the guidance - saved me from filing an unnecessary UCC-3 amendment.
Glad you got it sorted out. Virginia SCC really needs to fix their search display issues - causes unnecessary stress for everyone.
Nora Brooks
•Great outcome. Always good to verify with the actual filing documents when there's any doubt about UCC perfection.
For future reference, when doing Virginia UCC searches, always check both the search results and pull the actual filing documents if there's any discrepancy. Their system has known formatting quirks that don't affect legal validity but can cause confusion.
Definitely learned that lesson. Will always verify with source documents going forward.
Laura Lopez
•Good practice for any state's UCC system really. Search algorithms can be quirky but the filed documents are what matter legally.
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Josef Tearle
Quick question - are you handling this yourself or working with counsel? Equipment financing security agreements can get complex fast, especially with software components. If the lender's attorney keeps pushing back, might be worth getting your own counsel involved to negotiate the language. Sometimes attorney-to-attorney discussions resolve issues faster than trying to self-draft.
Agreed, but legal fees add up quickly on these deals. Sometimes the DIY approach makes sense if you can get the language right.
True, but a mistake in the security agreement can cost way more than attorney fees if there's ever a default situation.
Salim Nasir
Update - took everyone's advice and created a detailed equipment schedule with serial numbers, added separate software section, and ran everything through Certana to check for consistency issues before resubmitting. Lender's attorney approved it on the first review this time! Thanks for the guidance, especially about the detailed schedule approach. Moving forward with UCC-1 filing next week.
Laila Fury
•Nice outcome. The upfront work on detailed collateral descriptions always pays off in smoother attorney reviews.
Congrats on getting it resolved. Equipment deals can be tricky but sounds like you've got it handled now.
Ally Tailer
One thing nobody mentioned - make sure your security agreement language matches whatever you put in the UCC-1. I've seen cases where the security agreement covered 'all equipment' but UCC only listed specific items. Creates gaps in coverage.
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Aliyah Debovski
•Yes, consistency between security agreement and UCC-1 is critical. If they don't match, you might not have the security interest you think you have.
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Kyle Wallace
•This is why I always recommend having everything reviewed before filing. One mistake can void your entire security interest.
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Finley Garrett
For future reference, when you do get this sorted out, set a reminder for your continuation filing well before the deadline. I've seen too many people lose perfection because they forgot about the 5-year rule and filed continuations too late.
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Finley Garrett
•Perfect. Most people wait until the last minute and then panic. You're being smart about planning ahead.
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Holly Lascelles
•I actually put continuation reminders in my calendar 18 months before they're due. Gives time to deal with any complications.
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