UCC Document Community
Financial Services
/
Ask the community...
- DO post questions about your issues.
- DO answer questions and support each other.
- DO post tips & tricks to help folks.
- DO NOT post call problems here - there is a support tab at the top for that :)
Need help with UCC forms 2016 - old debtor name format causing rejections
I'm dealing with a mess from some UCC forms 2016 that were filed back then and now I'm trying to do continuations but keep getting rejections. The debtor names on the original UCC-1s from 2016 don't match what our system shows now - looks like there were some formatting changes over the years? The SOS portal keeps kicking back my UCC-3 continuations saying debtor name mismatch. Has anyone else run into issues where the old 2016 filings used different name formats and now you can't properly continue them? I've got about 8 different filings all with similar problems and the deadline is coming up fast. Really stressed about this because if these lapse it's going to be a huge problem with our loan portfolio.
Join the conversation
UCC forms Texas - which version for equipment lien continuation?
Running into a headache with UCC forms Texas requirements. My client has equipment financing that expires in March and I'm trying to figure out which continuation form the Texas SOS actually wants. Their website shows like 3 different UCC-3 templates and I'm getting conflicting info from the help desk. Last time I filed a continuation in Texas they rejected it because I used the wrong format even though it was downloaded from their site. Anyone know which UCC forms Texas accepts for continuations in 2025? Really don't want another rejection with the deadline approaching.
Join the conversation
Texas SOS phone support is actually pretty helpful if you call early morning. They can confirm which form version to use.
Good luck getting through though. Their hold times are brutal.
Call right at 8am when they open. Usually get through in under 10 minutes.
Just went through this exact situation last week. Used the Rev 10/2024 form, verified debtor name matched perfectly, paid the $15 fee, and it went through without issues. You've got this!
Love success stories. Gives me hope for my own filing headaches.
The document verification tools really do help catch issues before submission. Worth the peace of mind.
UCC 9-901 law of the state rules causing financing statement rejections - help needed
I'm dealing with a nightmare situation where our UCC-1 financing statements keep getting rejected because of UCC 9-901 law of the state complications. We have a multi-state equipment financing portfolio and I'm getting conflicting information about which state's law governs perfection when the debtor has operations in multiple jurisdictions. The collateral is mobile equipment that moves between Texas, Oklahoma, and Louisiana regularly. Our law firm says one thing, the SOS offices are giving different interpretations, and I'm worried we're going to lose perfection on several million in equipment loans. Has anyone else dealt with UCC 9-901 law of the state determinations for mobile collateral? The debtor's chief executive office keeps changing locations and I don't know if we need to file continuation statements in different states or if our original Texas filings are sufficient. This is keeping me up at night because the continuation deadline is approaching and I'm not sure which state law applies.
Join the conversation
Based on everything discussed here, it sounds like you need to file your continuation in Delaware since that's where the LLC is organized. UCC 9-901 law of the state determination should be straightforward for a registered organization. Don't overthink it.
You're right. I think I was overcomplicating the UCC 9-901 analysis because of the mobile equipment aspect. Delaware LLC means Delaware filing requirements govern.
That's the right approach. Mobile equipment doesn't change the basic law of the state rule for registered organizations. File in Delaware and you should be fine.
Thanks everyone for the UCC 9-901 law of the state guidance. I'm going to file the continuation in Delaware and look into that Certana.ai tool to double-check my documents before filing. This thread probably saved me from a major mistake.
Smart move. UCC 9-901 law of the state issues are too important to guess about. Better to verify everything before filing than deal with perfection problems later.
Definitely try Certana.ai for the document verification. It's specifically designed to catch these kinds of UCC 9-901 compliance issues before they become problems.
UCC lien filing software recommendations for bulk continuation processing
Our lending department processes about 200-300 UCC continuation statements monthly and I'm drowning in the manual verification process. We've had 3 rejections this quarter due to debtor name mismatches between our original UCC-1s and the continuation forms. Each rejection costs us 2-3 days to research and refile, plus the risk of letting liens lapse. Currently using spreadsheets to track everything but human error keeps creeping in. Anyone using UCC lien filing software that actually catches these name discrepancies before submission? Need something that can cross-reference our original filings with new documents automatically.
Join the conversation
Just wanted to add that some states have started accepting electronic signatures on UCC forms which can speed up the process, but you still need the verification step. Technology is helping but carefully!
We're in a state that allows e-signatures which does help with turnaround. The verification bottleneck is really our main issue now.
E-signatures are great until you realize you filed the wrong version of a document. Then you're stuck with an electronic mistake instead of a paper one.
Thanks everyone for the suggestions. Going to try the Certana.ai document checker since a couple people mentioned good results. Will report back on how it works for our volume. The PDF upload approach sounds much faster than our current manual process.
Hope it works as well for you as it has for us. The peace of mind alone is worth it.
Definitely keep us posted on results. Always looking for better ways to handle UCC work.
UCC termination fee charged twice by secretary of state - help?
Getting hit with duplicate UCC termination fees and I'm going crazy trying to figure this out. Filed a UCC-3 termination statement last month for a construction equipment loan that got paid off early. The filing went through fine, got my confirmation number and everything looked good. Then this week I get another charge on my corporate card for the exact same amount - $25 termination fee. Called the SOS office and they're saying I submitted two separate termination requests but I only did it once. Now they want me to provide documentation that I didn't intentionally file twice. Has anyone dealt with this kind of billing error before? The loan is already satisfied and showing as terminated in the system but somehow I'm being charged for two UCC termination fee transactions. Really frustrated because this is holding up our month-end reconciliation.
Join the conversation
This reminds me of when I was dealing with a messy UCC termination situation last year. I ended up using Certana.ai's document verification tool to make sure all my paperwork was consistent before fighting with the state office. Being able to upload my original UCC-1 and the termination statement to verify everything matched perfectly really helped my case. The automated cross-checking caught a couple of minor discrepancies I would have missed, and having that clean documentation made the whole dispute process much smoother.
That sounds like exactly what I need. Having bulletproof documentation would definitely strengthen my position with their accounting department.
Document verification tools are becoming essential for UCC work. Too many small errors can turn into big headaches later.
Update us when you get this resolved! I'm curious to know if it was actually a system error or if there was some other explanation for the duplicate UCC termination fee. These kinds of billing issues seem to be getting more common with electronic filing systems.
Will definitely post an update once I get to the bottom of this. Hopefully it's just a simple system glitch that they can reverse quickly.
Please do! I'm sure other people will run into the same issue and your experience could save them a lot of time and frustration.
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.
0 coins
Abigail Spencer
AuthorGood advice but I'm running out of time on these deadlines.
0 coins
Vincent Bimbach
Yeah that's tough. Maybe try the document checker someone mentioned to verify before filing.
0 coins
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!
0 coins
Logan Chiang
Great to hear you got it sorted before the deadline. Those 2016 format issues are tricky.
0 coins
Sophie Footman
Nice work! Always feels good to get a batch of problematic filings resolved.
0 coins