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- DO post questions about your issues.
- DO answer questions and support each other.
- DO post tips & tricks to help folks.
- DO NOT post call problems here - there is a support tab at the top for that :)
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AstroAce
I'm dealing with the exact same thing right now! Filed a UCC-1 last week and just noticed the debtor name has different spacing than the charter. This is so stressful when you're trying to protect the bank's interests.
Yara Nassar
•It really is stressful! Let me know what you end up doing - we can compare notes.
Chloe Martin
•You both might want to check with your compliance team about what your bank's policy is for these situations.
Diego Rojas
Update: I ended up pulling the actual filed UCC-1 document image and it turns out the name was correct on the filing itself. The search display was just showing it differently. Thanks everyone for the advice about checking the source document first!
Amina Toure
•Glad it worked out. These kinds of display vs. actual filing discrepancies are more common than people realize.
Perfect example of why you need to do your due diligence before filing amendments. Saved yourself time and money.
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Diego Rojas
We started using a third-party service for UCC searches specifically because of these inconsistencies. They run multiple search variations automatically and provide a comprehensive report. Worth the cost for large portfolios.
Which service do you use? We're looking at outsourcing our UCC search process.
There are several good options. Some integrate directly with the state databases and can catch variations that manual searches miss.
Zara Ahmed
One more tip - if you're seeing inconsistent results, try clearing your browser cache and searching again. The Utah system sometimes caches results in weird ways that can affect subsequent searches.
StarStrider
•I've noticed this too! Sometimes logging out and back in helps reset the search parameters.
Technology solutions for legal processes can be so unpredictable. Always good to have multiple approaches.
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Ava Garcia
This thread is giving me anxiety about a Virginia UCC search I need to do next week. Sounds like a nightmare to get accurate results.
It's not that bad if you're systematic about it. Just plan extra time for thorough searching.
Ava Garcia
•I guess I'll block out a full day instead of the few hours I was planning.
Andre Dupont
Update: I ended up finding 2 termination statements that weren't showing up in the initial search results. Used the document verification tool someone mentioned and it helped identify which filings were actually connected. Still have 3 active liens to deal with but at least now I have a clear picture of what's actually encumbering the assets. Thanks for all the suggestions.
Jamal Wilson
•Glad the verification tool helped! It's saved me so much time on complex UCC due diligence.
Good outcome. Having a clear picture is half the battle with these multi-entity situations.
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Gavin King
Have you tried searching by filing number if you have any clues about when previous filings might have been made? Sometimes that's more reliable than name-based searches.
Don't have specific filing numbers to work with, but that's an interesting approach. Would need to know the approximate filing date ranges though.
Nathan Kim
•You can sometimes narrow it down if you know when the debtor took out loans or entered into financing agreements. UCC-1s usually get filed around the same time.
This whole thread is making me paranoid about our UCC search procedures. We might be missing critical filings and not even know it. The potential liability exposure is huge if we get the priority wrong because of search limitations.
Kai Rivera
•Definitely worth the investment. I started using Certana.ai after a close call where we almost missed a senior lien. The automated cross-checking between documents has been a lifesaver for catching these kinds of issues.
Might have to look into that. Our current manual process is clearly not catching everything it should.
Jean Claude
Before going nuclear with lawyers, try one more time with the installer's management. Sometimes the person you're dealing with doesn't understand UCC law and a supervisor can get it sorted quickly. But definitely set a firm deadline.
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Roger Romero
•That's probably worth trying. The person I've been talking to seems pretty confused about the whole process.
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Charity Cohan
•Good advice. A lot of these solar companies have grown so fast they don't train their staff properly on filing procedures.
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Josef Tearle
Update us on how this turns out! I'm in the process of buying solar panels and want to make sure I don't run into the same issue. This thread is really helpful for knowing what to watch out for.
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Shelby Bauman
•Yeah, definitely make sure any UCC filings are properly terminated at closing if you're paying cash. Don't assume the installer will handle it automatically.
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Quinn Herbert
•Also get everything in writing about when and how any security interests will be released. Don't take verbal promises.
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