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Dmitry Popov

UCC Filing Translation Issues - Need Help with International Debtor Names

Has anyone dealt with UCC filings where the debtor name contains non-English characters? I'm working on a UCC-1 for a company that has Cyrillic characters in their legal name, and I'm not sure how to handle this properly. The Secretary of State portal keeps rejecting my filing, and I think it's because of the character encoding issues. The debtor is a legitimate US entity but their name includes some Russian characters from when they incorporated. Should I transliterate the name completely to Latin characters, or is there a way to include the original spelling? I'm worried about getting the debtor name wrong and having the whole lien be invalid. This is for a $2.3M equipment loan so I really can't mess this up. Any guidance would be appreciated!

Quick question - are you sure the entity is still active? I've seen cases where companies with foreign names let their corporate status lapse, which can affect UCC filing validity.

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Always worth checking. Entity status can change quickly, especially with companies that have complex ownership structures.

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StarStrider

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This is why I run entity searches right before filing, not just when I start the process. Things change fast in corporate world.

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Ravi Gupta

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Just to circle back on your original question - I'd recommend getting the exact debtor name from the Delaware Division of Corporations database search. That will show you exactly how they handle the transliteration, and that's what you should use on your UCC-1. If you're still unsure, the document verification approach others mentioned could give you peace of mind before filing.

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Dmitry Popov

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Perfect. I'll do the Delaware search first, then use the verification tool to double-check everything before submitting. Thanks everyone for all the helpful advice!

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Ravi Gupta

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You're welcome. Let us know how it goes - these international name cases are always good learning experiences for the community.

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Elijah O'Reilly

louisiana ucc filing online system keeps timing out during submission

Been trying to submit a UCC-1 through the louisiana ucc filing online portal for three days now and it keeps crashing right when I hit the final submit button. This is for a equipment financing deal that closes Friday and I'm starting to panic. The debtor name is verified correct, collateral description matches the loan docs perfectly, but every time I get to the payment screen the whole thing just freezes up. Has anyone else had issues with the louisiana ucc filing online system lately? Is there some trick to getting it to actually process? I've tried different browsers, cleared cache, even tried from a different computer. The filing fee shows as pending on my credit card but no confirmation number or anything. Really need to get this perfected before the weekend.

This is exactly why I always file UCC-1s at least a week before closing. These online systems are so unreliable. But since you're in a time crunch, definitely call their office first thing tomorrow morning.

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Yeah lesson learned for next time. This deal came together super fast so I didn't have much choice on timing.

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Happens to the best of us. The important thing is getting it filed before your deadline.

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Jasmine Quinn

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Update us when you get it figured out! I'm dealing with a similar situation in Texas and want to know what works.

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Will do! Hopefully I'll have good news by tomorrow afternoon.

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Amara Torres

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Yeah please update. These portal issues seem to be getting worse everywhere.

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Sean Doyle

UCC-1 search California showing weird results - am I missing something?

Running into some confusion with UCC-1 search California results through the SOS portal. I'm trying to verify a filing from last month for a client's equipment financing deal, but the search keeps pulling up partial matches that don't seem right. The debtor name is 'Pacific Coast Manufacturing LLC' but I'm getting hits for 'Pacific Coast Mfg' and 'Pacific Coast Manufacturing Inc' - none showing the exact LLC designation. Is this normal behavior for California's system? I need to confirm whether our UCC-1 actually got filed properly or if there's a debtor name issue that's going to cause problems down the road. The filing number they gave us is CA-2024-1187456 but when I search that directly, it shows a different business entirely. Starting to worry we have a major problem here.

Just went through this exact scenario two weeks ago! The problem was that our UCC-1 got filed under a slightly different version of the company name due to character limits in their system. The filed document showed the correct full name, but the searchable index used a truncated version. Only way I found it was by searching the filing date range and scrolling through results.

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Sean Doyle

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That's super helpful! What was the character limit that caused the truncation?

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I think it was around 50 characters for the indexed name field, but the actual filing can contain the full name. Really frustrating system design.

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Update us when you figure this out! I'm dealing with a similar California UCC search issue and curious what the solution ends up being.

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Sean Doyle

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Will do! Going to try the entity name lookup first, then the wildcard search, and if that doesn't work I'll call the SOS office directly.

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Dylan Cooper

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Following this thread too. California's UCC system definitely has some quirks that aren't well documented.

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Bruno Simmons

UCC Article 9 Priority Rules - Lost Equipment Loan to Junior Lender After Perfection Mix-up

This is eating at me and I need to understand what went wrong. Had a $180K equipment financing deal that should have been bulletproof - we filed our UCC-1 first, debtor name was spot-on, collateral description covered all the machinery. But somehow a junior lender who filed 6 months AFTER us is claiming superior priority and threatening to seize the equipment. Their attorney is citing some UCC Article 9 priority rules that supposedly trump our earlier filing date. How is this even possible? I thought first-to-file always wins under the priority rules. The debtor is in default and now we're looking at a total loss because this other lender says they have a superpriority claim. Can someone explain how UCC Article 9 priority rules actually work? I'm clearly missing something fundamental here because this makes no sense.

Sorry this happened to you. UCC Article 9 priority rules can be brutal when you don't see them coming. At least you'll know to watch for PMSI issues on future deals.

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Bruno Simmons

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Thanks. Definitely learned my lesson about assuming first-to-file means first-in-right under these priority rules.

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Freya Ross

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One more thing to check - make sure their UCC-1 actually describes the equipment correctly for PMSI priority. UCC Article 9 priority rules require the collateral description to be specific enough to identify the purchase money collateral.

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Leslie Parker

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Yeah, sounds like they knew exactly what they were doing with the PMSI priority claim.

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Sergio Neal

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Professional equipment lenders usually know UCC Article 9 priority rules inside and out. They have to in order to protect their interests.

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Cedric Chung

Ohio UCC code requirements for debtor name variations - need guidance

Running into some confusion with Ohio UCC code specifics regarding debtor name formatting. We've got a commercial loan where the borrower's legal name on their articles of incorporation shows as 'Advanced Manufacturing Solutions, LLC' but their EIN documentation and bank accounts all show 'Advanced Mfg Solutions LLC' (no comma, abbreviated). Filed our UCC-1 using the exact articles name but now we're second-guessing if Ohio follows the 'seriously misleading' standard differently than other states. The collateral is pretty substantial equipment financing so we can't afford to have a defective filing. Anyone dealt with Ohio's specific interpretation of the UCC code for entity name variations? Our internal compliance is pushing for an amendment but I want to make sure we're not overthinking this.

Brian Downey

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For what it's worth, I've never seen an Ohio filing get challenged over 'Manufacturing' vs 'Mfg' type abbreviations. The comma thing is more of a wild card but even that rarely causes real problems in practice.

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Cedric Chung

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That's helpful context. Sounds like Ohio is pretty reasonable about common business abbreviations.

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Jacinda Yu

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Most states are getting better about this stuff. The old days of hyper-technical rejections seem to be fading.

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Update us on what you decide? Always helpful to hear how these situations get resolved for future reference.

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Callum Savage

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Smart to get legal sign-off. Better to have everyone comfortable with the decision.

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Jean Claude

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And if you do end up running those documents through a verification tool, curious to hear what it flags. Always learning something new from these edge cases.

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