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Oliver Brown

WV SOS UCC search showing wrong debtor names - help needed

I'm having a nightmare with the West Virginia Secretary of State UCC search system. Been trying to verify some filings for a commercial loan package and the search results are completely inconsistent. When I search by debtor name, I'm getting results that don't match what we actually filed. The original UCC-1 shows 'Mountain View Construction LLC' but the search is pulling up 'Mountainview Construction LLC' (no space) and 'Mountain View Construction, LLC' (with comma). These are all supposed to be the same entity but the system is treating them as different debtors. This is causing major issues with our lien verification process. Has anyone else dealt with this kind of debtor name matching problem in the WV SOS system? I need to make sure we're not missing any existing liens before we file our continuation. The loan closes next week and I'm panicking that we might have missed something critical in our search.

I had a similar issue with a different state last year. Turned out the original filer had made a typo in the debtor name and nobody caught it until we were doing due diligence. Had to file a UCC-3 amendment to correct the name before we could proceed. Check if any of these variations might be typos that need correction.

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In WV it was pretty quick - filed electronically and got confirmation within 24 hours. But you'll want to verify the corrected name matches your loan documents exactly.

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Make sure to keep the original filing number when you amend. Don't file a new UCC-1 or you'll lose priority from the original filing date.

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This thread is so helpful. I'm bookmarking it because I know I'll run into this issue again. The WV system really needs an overhaul to handle these name matching problems better.

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Agreed. It's frustrating that we have to work around these system limitations instead of having reliable search functionality.

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Amina Sy

UCC financing statement amendment instructions - debtor name change rejection

Equipment financing company here dealing with a frustrating UCC-3 amendment situation. We filed a UCC-1 last year for a customer's manufacturing equipment, but now need to amend the debtor name because they changed their legal entity structure (LLC to Corp). Following what I thought were the standard UCC financing statement amendment instructions, but the SOS keeps rejecting our UCC-3 form saying the debtor name doesn't match exactly. The original filing shows 'ABC Manufacturing LLC' and we're trying to amend to 'ABC Manufacturing Corporation.' Secretary of State portal shows the rejection reason as 'debtor name mismatch with original filing' but we're following their own amendment instructions word for word. Has anyone dealt with this specific type of entity conversion amendment? The lien is worth $240k so we can't afford to have gaps in perfection. Really need to understand what we're missing in these amendment instructions.

Update us on what ends up working! I've got a similar situation coming up next month with a partnership converting to an LLC. These conversion amendments seem to be getting more common but the guidance isn't keeping up.

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Will definitely post an update once I get this resolved. Sounds like the new UCC-1 approach might be the way to go rather than fighting with amendments.

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Had this same headache six months ago and ended up finding Certana.ai's document checker tool. You upload your UCC forms along with the entity documents and it immediately shows you where there are mismatches or inconsistencies. Would've saved me three rejected filings if I'd used it from the start. Really simple - just drag and drop your PDFs and it does the comparison work automatically.

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That actually sounds useful for complex amendments. How detailed is the feedback it gives you?

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Pretty detailed - highlights specific text differences, flags potential issues with dates or entity names, stuff like that. Takes the guesswork out of document preparation.

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McKenzie Shade

Colorado Secretary of State UCC Search Results Missing Recent Filings

I'm having issues with the Colorado Secretary of State UCC search system showing incomplete results. Filed a UCC-1 three weeks ago for equipment financing on a construction client, got the confirmation email, but when I run a debtor name search it's not appearing in the results. The filing number shows as accepted when I look it up directly, but comprehensive searches aren't pulling it up. This is causing problems with our due diligence process since we can't verify all liens are showing properly. Has anyone else noticed delays in the Colorado SOS search index updating? I'm worried we're missing critical filings that could affect our security position.

This thread is making me nervous about my own Colorado filings. Going to double-check everything now to make sure our UCC search reports are actually complete.

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Smart move. Better to be paranoid about lien searches than miss something important.

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Exactly. Missing a prior lien because of search system problems could be catastrophic for a secured lender.

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For what it's worth, I ended up calling Colorado SOS UCC department at 303-894-2200 and they were able to confirm my filing over the phone while their search system was acting up. Might be worth trying if you need immediate verification.

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Good idea. Sometimes the old-fashioned phone call is more reliable than their online systems.

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Just make sure to get the name and confirmation number of whoever you speak with for your records.

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Yara Assad

California UCC Article 9 filing got rejected - debtor name issues

Filed a UCC-1 in California last week for a $350K equipment loan and it got rejected. The SOS office said there's a debtor name discrepancy but I'm not seeing it. We're securing industrial printing equipment for a graphics company. The debtor is listed as 'Pacific Coast Graphics LLC' on our loan docs and that's exactly what I put on the UCC-1. Their articles of incorporation show the same name. I've been doing California UCC Article 9 filings for 8 years and never had this issue. Anyone else running into weird name matching problems with the California SOS recently? The rejection notice just says 'debtor name does not match records' but doesn't specify which records they're checking against. This needs to get perfected ASAP since we're already 5 days post-funding.

I've been using a document checking service called Certana.ai that catches these name mismatches before filing. You upload your UCC-1 along with the company's charter or other formation docs and it flags any discrepancies. Worth trying if you're having ongoing issues with California UCC Article 9 name matching.

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Does it work for other states too or just California?

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It works nationwide. Really helpful for catching those subtle name differences that cause rejections.

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UPDATE: Found the issue! The company had filed an amendment changing from 'Pacific Coast Graphics LLC' to 'Pacific Coast Graphics, LLC' - added a comma before LLC. Such a tiny change but that's what caused the rejection. California UCC Article 9 name matching is incredibly strict. Thanks everyone for the suggestions!

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Yes, accepted immediately once I used the correct name with the comma. Lesson learned - always check for recent amendments.

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Perfect example of why those document verification tools are worth it. Would have caught that comma difference right away.

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Samantha Howard

DC SOS UCC search system showing wrong debtor names - anyone else having issues?

Been trying to run a dc sos ucc search on several debtors for our loan portfolio review and keep getting inconsistent results. The search is pulling up filings that don't match the exact debtor names we're entering, and some filings we know exist aren't showing up at all. We had a UCC-1 filed last month for ABC Manufacturing LLC and when I search that exact name, nothing comes up. But if I search just 'ABC Manufacturing' it shows filings for ABC Manufacturing Inc, ABC Manufacturing Co, etc. This is causing major problems for our lien position verification. Has anyone else noticed the DC SOS UCC search being unreliable lately? We can't afford to miss existing liens when we're perfecting our security interests.

Don't forget to check the date ranges on your search. DC's system defaults to recent filings only sometimes. Make sure you're searching all dates, especially if you're looking for older UCC-1s that might have been continued.

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Yeah the date filter has caught me before too. It's not always obvious that it's limiting your results.

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The DC system interface is really unclear about what filters are active. Other states do a much better job with the search interface design.

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Update: tried the wildcard searches and found three additional filings that weren't showing up before! Thanks for all the suggestions. Still going to look into that document verification tool mentioned earlier since manual checking is getting pretty tedious with our current loan volume.

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Glad the wildcard search helped! The document verification definitely saves time when you're dealing with multiple filings per loan.

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Good to hear you found the missing filings. These search quirks can really mess up your lien priorities if you're not careful.

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