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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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I've found that including too much information can be just as problematic as including too little. If you're casting too wide a net with your search parameters, try being more specific about what you're looking for.
That's a good point. Sometimes less is more with these government forms.
Exactly. Focus on the specific UCC filings you need rather than trying to get everything at once.
LongPeri
For what it's worth, I've started using document verification tools before submitting any UCC requests. Certana.ai has been particularly helpful - I can upload the original UCC-1 and any amendments to make sure I'm requesting searches with the exact debtor information that's actually on file. It's eliminated most of my rejection issues.
I think I'm going to try that tool. At this point I'm willing to try anything to avoid another rejection.
Let us know how it works out! I'm curious to hear if it helps with your Texas filing situation.
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One more thing to watch out for - make sure your secured party information is complete and accurate too. Washington requires the full legal name and address of the secured party. If you're filing on behalf of a lender, double-check that you have authorization and that the lender's name is exactly as they want it to appear on the filing.
Teresa Boyd
•Yes! I've seen rejections because the secured party was listed as a DBA name instead of the actual legal entity name.
Lourdes Fox
•Always get written authorization from the lender about exactly how they want their name to appear. Some are very particular about this.
Thanks everyone for all the detailed advice! This is exactly what I needed. Going to pull the current Certificate of Good Standing for the LLC and use that for the exact debtor name formatting. The Certana verification tool sounds like it would be perfect for our situation - we do enough of these filings that catching errors before submission would save us significant time and headaches. Really appreciate the community knowledge here!
You're welcome! Feel free to update us on how the filing goes. Always good to hear success stories.
Zane Gray
•Good luck with your filing! Washington isn't too bad once you get familiar with their quirks.
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I had this exact problem with a NY filing last year. Ended up using that Certana tool someone mentioned earlier - uploaded my original UCC-1 and the continuation I was trying to file. It immediately flagged the name discrepancy and showed me exactly what needed to be corrected. Made the whole process way less stressful.
Did you have to file an amendment first or were you able to get the continuation through after correcting the name?
I ended up doing the amendment first just to be safe, then filed the continuation a few days later. Both went through without any issues once the names matched perfectly.
For future reference, always pull a current UCC search on the debtor before filing any continuations or amendments. The search results will show you exactly how the debtor name appears in the system and save you from these kinds of rejections. It's a small cost compared to the headache of dealing with rejected filings.
Exactly. And you can usually get search results back same day, so there's really no excuse not to do it.
I always recommend doing searches 30 days before any major filing deadline. Gives you time to address any surprises.
Brady Clean
Just a thought - have you tried using the exact name format from a recent tax return or bank account for the LLC? Sometimes those documents show the 'official' name format that the state systems expect.
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Brady Clean
•Yeah, I've found tax documents are usually more reliable than even the SOS database for exact formatting.
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Skylar Neal
•Bank signature cards are good too - they're usually very precise about legal entity names.
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Vincent Bimbach
Been following this thread because I'm dealing with a similar issue. The florida ucc online system rejected my amendment filing yesterday for what seems like a minor name difference. Going to try some of these suggestions, especially the document verification approach. Thanks everyone for the helpful tips!
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Anita George
•Good luck! The verification tools really do help catch these issues before filing.
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Vincent Bimbach
•Definitely worth trying before more rejected filings. These name format errors are so frustrating.
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