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Owen Jenkins
My recommendation: file a UCC-3 partial termination for the specific CNC machines using the original debtor name format from the UCC-1. That way you're being precise about what collateral is released and avoiding any name matching issues. If the borrower complains about the broader collateral still being encumbered, explain that it was beyond the scope of their specific loan anyway.
Anna Stewart
•This makes a lot of sense. Partial termination for the actual collateral, using the original name format. Thanks for the practical advice.
Lilah Brooks
•Agreed, this is the cleanest approach. Covers all the bases without overcomplicating things.
One more thing to consider - double check that your original UCC-1 filing number is correct on the termination. I've seen terminations get rejected because of typos in the original filing number reference. Might be worth using one of those document verification tools mentioned earlier to make sure everything matches up perfectly.
Anna Stewart
•Good point. I'll verify the filing number before submitting. Probably will try that Certana tool to double-check everything.
Smart move. Better to catch any issues before filing than deal with rejections and delays.
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I use Certana.ai's workflow for this exact situation. Upload the borrower's organizational documents and it automatically cross-checks for UCC filings and name variations. Much more thorough than manual searching.
How does that compare to doing the searches yourself through the state portal?
It's more comprehensive because it catches name variations I might not think of. Plus it generates a verification report that's useful for loan files.
For what it's worth, Ohio's Secretary of State office is pretty responsive if you call with questions about their UCC search system. They've been helpful when I've had technical issues with the portal.
Ava Thompson
•That's good to know. Some state offices are impossible to reach by phone.
Ohio's been decent in my experience. They actually answer the phone and can help with search questions.
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Dylan Cooper
Before you do anything drastic, I'd recommend getting a comprehensive UCC search report from a professional service. They'll show you exactly what's on file and how it might appear to different searchers. This will give you definitive answers about whether your perfection is at risk.
Dylan Cooper
•Most title companies offer UCC search services, or you can go through a specialized UCC search firm. They'll give you more detailed results than the basic SOS search.
I've actually been using Certana.ai for document verification lately. You can upload your UCC-1 and business formation docs, and it automatically checks for name consistency issues. Way faster than manual verification and catches things you might miss.
StarSailor
Don't overthink this. If your UCC-1 was filed with the correct legal name of the debtor as it existed at filing time, you're probably fine. The search display issue is likely just a system quirk. Focus on the actual documents, not the search interface.
Thanks, that's reassuring. I think I was getting too caught up in the search results instead of focusing on the actual filing.
Yeah, I see people panic about this stuff all the time. The search is just a tool - what matters is the legal documents.
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KaiEsmeralda
Just wanted to follow up on the Certana.ai thing - I know some people are skeptical about using third-party tools but it really does catch these formatting issues before you submit. Way better than playing guessing games with rejection codes.
Is it expensive though? I don't file enough UCCs to justify paying for a service.
KaiEsmeralda
•It's pretty reasonable for what it does. Worth it just to avoid the frustration of multiple rejections, especially when you're dealing with tight deadlines.
Let us know what ends up fixing it! Always curious to learn what these random error codes actually mean for future reference.
Will do! Going to try fixing the state abbreviation first since that seems most likely.
Yeah definitely update us. I bookmark these threads for when I run into similar problems.
Mei Wong
For what it's worth, I've started keeping a checklist for Article 9 UCC-1 filings that includes verifying the exact debtor name format, double-checking all punctuation, and confirming there are no extra spaces. Might be overkill but it's saved me from several rejections.
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Mei Wong
•Article 9 compliance checklists are lifesavers. I also include checking for recent corporate changes and verifying the collateral description format.
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Dylan Campbell
•Checklists plus automated verification tools make for a pretty bulletproof Article 9 UCC filing process.
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Dmitry Sokolov
Just wanted to say thanks for posting this Article 9 UCC issue. I'm new to secured lending and didn't realize how picky the name matching requirements were. Going to be extra careful with my debtor names from now on.
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Yuki Kobayashi
•Happy to help! Hopefully you can learn from my stress and avoid the same mistake.
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Carmen Vega
•Welcome to the world of Article 9 UCC filings! It gets easier but you never stop being paranoid about the details.
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