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Ethan Clark
Make sure you're searching both current and lapsed filings. Sometimes continuation deadlines get missed and you'll only see the filing in lapsed records.
How do I tell if a continuation was filed on time? The dates in NY's system are confusing.
Ethan Clark
•Look for UCC-3 continuation statements filed within 6 months before the 5-year expiration date. If there's a gap, the original filing might have lapsed.
AstroAce
Just went through this exact situation last week. Turned out the debtor had changed their legal name after incorporation and there were filings under both the old and new names. NY doesn't automatically link related filings like some states do.
AstroAce
•Had to pull their complete corporate history from NY Department of State and search every name they'd ever used. Time-consuming but necessary.
This is exactly why automated document checking tools are so valuable. They catch these historical name issues that manual searches miss.
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Going back to that Certana.ai tool someone mentioned - I just tried it with a mortgage security agreement and UCC-1 combo and it's actually pretty slick. Just upload both PDFs and it highlights inconsistencies between the documents. Found two debtor name variations I hadn't noticed and a collateral description gap that could have been problematic.
Right? It's like having a second set of eyes that actually knows what to look for.
Jayden Reed
•Okay I'm convinced. Anything that helps avoid rejection letters is worth trying.
Millie Long
Just remember that your UCC-1 filing is only as good as the underlying mortgage security agreement. If the security agreement has issues, the UCC-1 won't fix them. Make sure you're working with solid documentation from the start.
Caleb Stone
•The mortgage security agreement looks solid, it's just the UCC-1 translation that's giving me trouble.
Millie Long
•That's the most common issue. The legal language that works for mortgages doesn't always translate directly to UCC filings.
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Update us when you get this resolved! I'm dealing with something similar and curious to know what ends up working.
Sophia Long
•Will do. Planning to pull the original filing tomorrow and compare it against our termination, then figure out the next steps from there.
Max Knight
Just a heads up - make sure you're looking at the right state's database too. I once spent days trying to figure out why a termination wasn't working only to realize I was checking the wrong state's system. The filing was actually terminated correctly, just in a different jurisdiction than I was looking at.
Max Knight
•Got it, just wanted to mention it since it's an easy mistake to make when you're dealing with multi-state deals.
Emma Swift
•That's actually a really good point. I've seen people get confused when they have similar debtors filed in different states.
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The main thing is don't overthink the types of UCC filings. For most equipment loans: UCC-1 to start, UCC-3 continuation every 5 years, UCC-3 termination at the end. Everything else (amendments, assignments, partial terminations) only comes up when circumstances change.
Zara Malik
•That's a helpful way to think about it. Focus on the common path, then deal with complications if they arise.
NeonNova
•Exactly! Most loans follow that basic pattern. The other types of UCC filings are just tools for handling special situations.
One last thing about types of UCC filings - keep good records of what you file and when. I use a simple spreadsheet tracking each filing type, date, and renewal requirements. Makes it much easier to stay on top of continuation deadlines and know your filing history.
Calendar reminders for continuation deadlines are essential. Missing that 5-year window is a costly mistake.
Some people use Certana.ai's document checker to verify their filings before submission too. Helps catch issues early in the process.
Ava Thompson
This whole thread is giving me anxiety about my own UCC filings. How do you even keep track of all the continuation deadlines and make sure everything matches up correctly?
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Jamal Carter
•I keep a spreadsheet with all filing numbers, expiration dates, and debtor names. Set calendar reminders 6 months before each continuation is due.
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Miguel Ramos
•There are also some automated tools now that can track this stuff for you. I've heard good things about Certana.ai's document verification features - apparently it can catch name mismatches and other issues before they become problems.
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Zainab Ibrahim
UPDATE: Finally got through to someone at Nevada SOS office. They confirmed that the comma is just a display formatting issue in their search results - the actual filed document shows 'ABC Manufacturing LLC' without the comma, matching our charter exactly. Crisis averted! Going to file the continuation this week.
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Jamal Carter
•Excellent outcome. Now you know for future reference that Nevada's search display can be misleading. Always verify with the source documents when in doubt.
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Zoe Papadakis
•Huge relief! And thanks everyone for the advice. Definitely learned my lesson about verifying everything before panicking.
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