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For anyone else dealing with promissory note and security agreement UCC filings in Texas - the state has been pretty consistent about requiring exact debtor name matches. Don't try to get creative or use shortened versions. Always use the full legal name exactly as it appears in the Secretary of State database. Save yourself the rejection and refiling hassle.
Harold Oh
•Has anyone had issues with continuation filings in Texas? Wondering if they're equally strict about name matching for UCC-3 continuations.
Amun-Ra Azra
•Yes, they're just as strict with continuations. The debtor name on your UCC-3 has to match exactly what was on the original UCC-1, even if the entity has since changed names.
Summer Green
Final update - got the UCC-1 filed successfully using the exact name from Texas SOS records. No issues with the underlying promissory note having the slightly different name format. The financing statement was accepted and shows as active in the system. Thanks everyone for the advice, especially about using the official entity name rather than what was in our loan documents.
Perfect example of why it's worth taking the time to verify entity names before filing. Saves so much potential headache down the road.
Darcy Moore
•This whole thread is going in my reference folder. Great real-world example of handling debtor name issues between promissory notes and UCC filings.
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Jamal Carter
Don't panic yet. Even if your lender missed the UCC-1 filing time limit for PMSI priority, you still have options. The security interest is valid, and you might be able to work out a subordination agreement with your other lender to restore the equipment lender's priority position.
Jamal Carter
•They might if it keeps your business stable and current on all loans. A default on the equipment loan could hurt their position too if it affects your overall cash flow.
Subordination agreements are definitely possible but get complicated fast. Make sure any agreement is properly documented and filed as a UCC-3 amendment to avoid future confusion.
Mei Liu
I'm dealing with something similar but with inventory instead of equipment. The UCC-1 filing time limit stress is real when you realize how much money is at stake based on these technical deadlines.
Inventory PMSI has even shorter deadlines in some states. Did you get yours filed in time?
Mei Liu
•Barely. Filed on day 19 of the 20-day window. My stomach was in knots until I got the acceptance notice from the Secretary of State.
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This is why I always file continuations 6+ months early. Michigan's processing delays are legendary. At least if your continuation is eventually processed, your lien should remain perfected as of the original filing date, but I understand the immediate stress with your loan committee.
Zadie Patel
•Yeah, lesson learned on the timing. I thought 4 months was plenty of buffer but clearly not with Michigan's system.
Caleb Bell
•The good news is that if the continuation was filed before expiration, you should be protected even if the system is slow to update. But definitely get that official confirmation for your records.
UPDATE: Finally got through to the UCC supervisor and they found the issue! There was an extra space in the debtor address field that caused a processing hold. They manually approved it and said it should show up in the search system within 24 hours. Thanks everyone for the advice, especially about calling the supervisor line.
Lucas Parker
•Glad the supervisor was able to help! They really are the key to getting these issues resolved quickly.
Zadie Patel
•Seriously considering using Certana.ai for all future filings after this nightmare. One extra space cost me 3 weeks of stress and multiple angry calls from the loan committee.
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Carmen Vega
PDF font issues can cause rejections too. Make sure you're using standard fonts and not anything fancy that might not render properly in their system.
I'm just filling out their form PDF so the font should be fine, right?
Carmen Vega
•Usually yes, but I've seen issues when people copy-paste text with embedded formatting. Type everything fresh.
Whatever you do, get this figured out soon. UCC-3 amendments can take a few days to process even after acceptance, and you don't want to miss your loan modification deadline.
Expedited is expensive but might be worth it for your timeline. Just make sure the filing is perfect first.
Zoe Stavros
•I'd definitely use Certana or similar to verify before paying for expedited. No point rushing a filing that will just get rejected again.
Maria Gonzalez
For anyone still struggling with this, I found that calling the SOS office directly sometimes helps. They can't give legal advice but they can usually clarify what specific documentation they need for authorized representative issues.
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Natalie Chen
•Good luck getting through to anyone at the SOS office. I've been on hold for 2 hours before just to ask a simple question about filing requirements.
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Maria Gonzalez
•True, the wait times are brutal. But when you do get through, they're usually helpful with procedural questions.
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Santiago Martinez
Just wanted to follow up - I ended up getting a corporate secretary's certificate as suggested and the UCC-1 was accepted on the next submission. Thanks for all the advice! The whole process taught me to be more careful about signature authority documentation upfront.
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Nick Kravitz
•How long did it take to get the secretary's certificate? We're dealing with a similar situation and trying to figure out timing.
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Santiago Martinez
•Our corporate attorney had it ready in 24 hours. Pretty standard document so shouldn't take long if you have a good relationship with corporate counsel.
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