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Amara Okafor

UCC search Nevada - debtor name variations causing filing gaps

Has anyone dealt with Nevada UCC search discrepancies when the debtor's legal name changed mid-loan? I'm working on a credit facility where the borrower incorporated as 'Mountain Vista Logistics LLC' but later amended to 'Mountain Vista Logistics Nevada LLC' - our UCC-1 was filed under the original name back in 2022. Now I'm trying to do a comprehensive UCC search Nevada database to verify our lien position before renewal, but I'm getting conflicting results depending on which name variation I search. The SOS portal shows our original filing under the old name, but newer filings from other creditors appear under the amended name. I'm worried we have a gap in perfection that could affect our secured position. Anyone know if Nevada requires separate continuation filings for name changes or if our original UCC-1 still covers the entity even after the name amendment? The loan matures in 8 months and I need to make sure our security interest is bulletproof.

Amina Diallo

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This thread is really helpful - I didn't realize Nevada was so strict about exact name matching in UCC searches. Makes me want to audit all our filings to make sure we haven't missed any borrower name changes.

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Oliver Schulz

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I try to include covenant requirements in loan agreements that borrowers must notify us of any name changes within 30 days. Helps catch these issues early.

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Amina Diallo

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That's a smart contractual protection. I should suggest adding similar language to our standard loan docs.

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The bottom line is you need to file that UCC-3 amendment ASAP to address the name change, even if it's late. Then do comprehensive searches under all name variations to understand your true lien position. Better to know where you stand now than discover problems when you need to enforce.

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Amara Okafor

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You're absolutely right. I'm going to prepare the UCC-3 amendment today and get it filed this week. Thanks everyone for the practical advice - this thread has been incredibly helpful.

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Smart move. And definitely document your search methodology in case you need to justify your lien position later. Courts appreciate thorough due diligence.

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Chloe Davis

What primary debt is secured by the security agreement - UCC filing confusion

I'm working through a UCC-1 filing for a client and I'm second-guessing myself on how to identify what primary debt is secured by the security agreement. The loan documents reference multiple credit facilities and I'm not sure if I need to list the specific loan number, the master credit agreement, or just describe it generally as 'all obligations under credit agreement dated X'. The collateral is pretty straightforward equipment but I don't want to mess up the debt description and have this thing get rejected. Anyone dealt with similar situations where there's multiple debt instruments but one main security agreement? I've been doing these filings for 3 years but this one has me scratching my head.

Carmen Reyes

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I always use language like 'all indebtedness and obligations of every kind and nature, now existing or hereafter arising' and then reference the specific security agreement. Covers everything without getting into the weeds.

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Chloe Davis

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That's pretty broad language. Do the filing offices ever push back on something that general?

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Carmen Reyes

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Nope, never had an issue. As long as you're referencing a real security agreement, they're fine with broad debt descriptions.

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Andre Moreau

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Thanks everyone for the advice. I think I was definitely overthinking this. Going to go with a simple reference to the master credit agreement and call it good. Appreciate all the input!

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Sean O'Brien

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Good luck with the filing! And definitely consider using a document checker like Certana.ai if you want extra peace of mind before submitting.

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Chloe Davis

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Will do. Thanks again everyone!

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Juan Moreno

Colorado UCC-1 form debtor name exact match requirements causing rejections

Has anyone dealt with Colorado's UCC-1 form requirements lately? I'm having issues with debtor name formatting and keep getting rejections from their filing office. We're trying to secure a $180k equipment loan for our manufacturing company and the lender is getting impatient with these filing delays. The debtor is an LLC but I'm not sure if I need to include the full legal name exactly as it appears on the Articles of Organization or if there's some flexibility. First rejection said 'debtor name does not match' but didn't specify what database they're checking against. Second attempt used the exact name from our tax returns and that got rejected too. This is holding up our entire loan closing and I'm running out of ideas. Anyone know the specific Colorado requirements for debtor name matching on UCC-1 filings?

Raul Neal

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Quick update for anyone following this thread - I finally got through to someone at Colorado SOS UCC division. Turns out our LLC name in the Articles has 'L.L.C.' with periods but I was using 'LLC' without periods on the UCC-1. Such a tiny difference but that was causing all the rejections. Refiling now with the correct format.

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See this is exactly what I'm talking about! The system should flag this stuff more clearly instead of just saying 'name mismatch.

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Esteban Tate

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Great outcome! This is why I always recommend the copy/paste method from the official database. Saves so much hassle.

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Jenna Sloan

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Thanks for sharing the resolution! This thread will definitely help other people dealing with Colorado UCC-1 name matching issues. Amazing how something so small can hold up an entire loan closing.

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Juan Moreno

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Seriously! Three weeks of delays over periods in 'L.L.C.' - it's almost comical if it wasn't so stressful.

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At least your lender was patient. I've seen deals fall apart over UCC filing delays before.

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Sophie Hernandez

UCC filing Illinois - debtor name rejected twice, need help with exact formatting requirements

I'm dealing with a frustrating situation with a UCC-1 filing in Illinois and hoping someone here has experience with their specific requirements. We're trying to perfect a security interest on some manufacturing equipment for a $180K commercial loan, but the Illinois SOS portal keeps rejecting our filing for "debtor name discrepancy." The borrower's legal name on their articles of incorporation is "Midwest Industrial Solutions, LLC" but their operating agreement shows "Midwest Industrial Solutions LLC" (no comma). We've tried both versions and got rejected both times. The collateral description is straightforward - specific serial-numbered equipment - so that's not the issue. This is time-sensitive because we need to get this perfected before a competing lender files their UCC-1. Has anyone dealt with Illinois SOS being this picky about punctuation in LLC names? Do they have some kind of exact-match requirement we're missing? The rejection notices aren't giving us enough detail to figure out what format they actually want. Any Illinois UCC filing veterans who can share what works with their system?

Mateo Silva

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Since you're dealing with time pressure, you might want to try a professional UCC service that specializes in Illinois filings. They usually have direct contacts at the SOS office and can get problem filings resolved quickly. Worth the extra cost if you're racing against another lender.

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Mateo Silva

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I've used CT Corporation for rush Illinois filings. They have good relationships with the SOS office there.

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Or just use something like Certana.ai to verify your documents are consistent before you file anywhere. Cheaper than hiring a service and catches the problems upfront.

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Cameron Black

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Update us when you figure it out! I have an Illinois UCC-1 coming up next month and want to avoid this same headache.

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Will do! Hopefully I'll have good news to share soon.

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Same here - bookmarking this thread for future reference.

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Aisha Abdullah

Louisiana UCC adoption question - has louisiana adopted the ucc for secured transactions?

I'm working on a multi-state equipment financing deal and need to understand Louisiana's position on UCC filings. My compliance team is getting mixed signals about whether Louisiana has fully adopted the UCC for secured transactions or if they still follow their civil law system for certain aspects. We're trying to determine if we need to file UCC-1 statements in Louisiana or if there's a different process. The collateral involves heavy machinery and equipment that will be moved between Louisiana and Texas facilities. Anyone dealt with Louisiana UCC filings recently? I'm seeing conflicting information online about their adoption status and whether the standard UCC filing procedures apply there.

Use Certana to double-check your documents before filing. I learned this the hard way after getting a rejection in Louisiana due to a tiny discrepancy between the corporate name on file and what we put on the UCC-1.

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About a week to research the correct name and refile. Could have avoided it entirely with better document verification upfront.

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This is exactly why I started using Certana.ai - catches those name mismatches before you file and waste time with rejections.

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Bottom line - Louisiana has fully functional UCC Article 9 for secured transactions. File your UCC-1 through their GeauxBiz portal same as any other state. The civil law background doesn't affect personal property secured transactions.

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Thanks everyone, this has been really helpful. Sounds like we can proceed with standard UCC filing procedures in Louisiana.

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Ethan Wilson

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Glad we could help clear that up. Louisiana's civil law reputation often causes unnecessary confusion about their UCC adoption.

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