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Look I'm not trying to hijack the thread but this whole situation reminds me of when I was dealing with a general security agreement for a restaurant chain and the entity had like 4 different name variations across different documents. The GSA used one name, the loan docs used another, the state filings used a third... it was a nightmare to sort out which name to use for the UCC filing.
NightOwl42
•That sounds like a mess! Multiple name variations always complicate things.
It was! Took three attempts to get the UCC filing accepted. Now I always verify the exact legal entity name first thing, no matter what the general security agreement says.
Emma Wilson
Update us when you get it sorted out! This thread has been really helpful for understanding the relationship between general security agreement terms and UCC filing requirements.
Dylan Hughes
•Will do! Going to pull the exact entity name from state records and refile tomorrow. Thanks everyone for the advice.
QuantumLeap
•Good luck! The debtor name issue trips up a lot of people.
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Don't forget to check if the original UCC-1 had any amendments that might have updated the debtor information. Sometimes there are UCC-3 amendments on file that have more current contact details.
Zoe Stavros
•Good catch! I'll search for any amendments to that filing number. I was so focused on the original UCC-1 that I didn't think to check for updates.
Paolo Conti
•Yeah amendment searches are easy to forget but they can save you a lot of trouble if someone already updated the key information.
Mei Chen
This thread is really helpful. I'm dealing with a termination issue too where the debtor moved states but I wasn't sure if I could use their new address. Sounds like as long as the legal name matches exactly I should be okay to update the contact info.
Jamal Harris
•Exactly right. The debtor name has to be identical to the original filing, but contact information can be updated to reflect current details.
Amina Diallo
•Just make sure you're not changing the legal entity type or anything like that. Contact updates are fine, but structural changes to the debtor identity need to be handled differently.
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Romeo Quest
Don't forget about continuation filings either. If any of the original UCC-1s are more than 5 years old, there should be UCC-3 continuations on file, or they would have lapsed. A lapsed filing that wasn't properly continued could still cause title issues even if there's a termination on file.
Gabriel Ruiz
•Good point - some of these filings go back 7-8 years. I'll need to trace the continuation history for each one.
Romeo Quest
•Exactly. And make sure the continuations were filed before the original 5-year period expired. Late continuations don't save a lapsed filing.
Val Rossi
Just went through this same nightmare last month. Ended up finding an active lien that everyone thought had been terminated because the termination statement had a typo in the debtor name. Nearly killed the deal at the last minute. Document verification tools are a lifesaver for catching those kinds of inconsistencies before they become problems.
Gabriel Ruiz
•That sounds like exactly what I need. How does their verification process work?
Val Rossi
•You just upload PDFs of all the relevant documents - original filings, amendments, continuations, terminations, whatever you have. It analyzes everything and flags any inconsistencies in debtor names, filing numbers, dates, etc. Really takes the stress out of making sure you haven't missed anything critical.
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I'd also recommend setting up a regular monitoring schedule to check your filings periodically. Caught a similar issue 6 months after filing once - thankfully it was just cosmetic but could have been worse. Now I check all my active filings quarterly.
Tyrone Hill
•Quarterly checks are smart, especially with continuation deadlines to track.
Romeo Quest
•This is where tools like Certana.ai really help - you can set up document comparison workflows to catch discrepancies early instead of manual checking.
Update us when you get the amendment filed! Always curious how these situations resolve.
Sunny Wang
•Will do. Planning to file the UCC-3 amendment early next week.
Good luck! Should be a quick fix.
Vincent Bimbach
For anyone else dealing with this - when you're doing continuations of old filings, always start with a test filing if possible. File one continuation first to make sure your format is right before doing a whole batch.
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Abigail Spencer
•Good advice but I'm running out of time on these deadlines.
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Vincent Bimbach
•Yeah that's tough. Maybe try the document checker someone mentioned to verify before filing.
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Kelsey Chin
UPDATE: I tried the Certana.ai document verification tool and it found the problems right away! Turns out I had inconsistent LLC formatting on 3 of them and one had a hidden character. Fixed all the UCC-3 forms and they went through without any rejections. Thanks everyone for the help!
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Logan Chiang
•Great to hear you got it sorted before the deadline. Those 2016 format issues are tricky.
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Sophie Footman
•Nice work! Always feels good to get a batch of problematic filings resolved.
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