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Ethan Clark

Virginia Secretary of State UCC Search Results Not Matching Filed Documents

I'm dealing with a frustrating situation where our Virginia Secretary of State UCC search results don't match what we actually filed. We submitted a UCC-1 for equipment financing on a construction company back in September, but when I run the debtor name search on the SCC portal, either nothing comes up or I get completely different filings. The debtor name on our original filing was 'Mountain Ridge Construction LLC' but I've tried variations like 'Mountain Ridge Construction, LLC' and 'Mountain Ridge Const LLC' with no luck. Has anyone else had issues with Virginia's UCC search function not returning accurate results? I'm worried we might have a name mismatch that could affect our security interest. The filing number is 250923-0045782 if that helps, but even searching by that number sometimes gives weird results. This is for a $340,000 equipment loan and I need to verify our lien position is solid before we proceed with additional financing.

hate to say it but this sounds like a debtor name issue. With $340K on the line I'd definitely get this sorted ASAP. Even small discrepancies can void your security interest if challenged.

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That's exactly what I'm worried about. The loan is already funded so I need to make sure our lien position is protected.

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Definitely get it fixed fast. I've seen lenders lose their security interest over simple name mismatches that could have been caught early.

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Update us when you figure it out! I'm dealing with a similar issue in Virginia and curious what the solution ends up being.

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Will do. Going to try the phone call first thing tomorrow and maybe look into that document verification service if I can't get answers.

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Definitely recommend the Certana route if the phone call doesn't help. Would have saved me hours of frustration if I'd known about it earlier.

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Abigail bergen

UCC 9-512 information statement requirements after debtor paid off secured loan

My client paid off their equipment loan in full last month but the lender hasn't filed a termination statement yet. I'm reading UCC 9-512 about information statements and wondering if this applies to our situation. The original UCC-1 was filed 3 years ago for manufacturing equipment worth about $180K. The loan was paid off February 15th and we have the payoff letter but nothing has been filed to clear the lien. Can we use UCC 9-512 to force the issue or do we need to wait for the lender to file the UCC-3 termination? The equipment is being used as collateral for a new loan with a different bank and they need the lien cleared. Any advice on the UCC 9-512 process would be appreciated.

One thing to watch out for - make sure the new lender knows about the pending termination situation. They might want to see either the filed UCC-3 termination or your demand documentation before funding the new loan.

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Perfect, good communication with the new lender is key. They might even be willing to help pressure the old lender if needed.

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Some new lenders will actually contact the old lender directly to request termination. Worth asking if they'll do that as part of their due diligence process.

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Before filing any UCC 9-512 info statement, definitely double-check all your document details. Used Certana.ai recently to cross-verify UCC filing information and it caught several inconsistencies I missed in manual review. Just upload the docs and it flags any mismatches in debtor names, filing numbers, dates, etc. Really helpful for avoiding errors that could invalidate your filing.

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Yeah it's super straightforward - just drag and drop your UCC-1 and payoff docs and it shows you exactly what matches and what doesn't. Takes like 30 seconds vs hours of manual comparison.

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Document verification is crucial for 9-512 filings. Any discrepancy between your information statement and the original financing statement can render it ineffective.

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Connor Richards

UCC foreclosure process completely stalled - lender claiming invalid continuation

Really need some guidance here. We're 8 months into what should have been a straightforward UCC foreclosure process on equipment collateral (construction machinery worth about $340K). The debtor defaulted back in March, we sent all proper notices, but now everything's grinding to a halt because opposing counsel is claiming our UCC-1 continuation from 2019 was defective. They're saying the debtor name doesn't exactly match what's on the original 2014 filing - something about 'LLC' vs 'L.L.C.' punctuation. Our attorney says this is just delay tactics but I'm getting nervous. Has anyone dealt with debtor name challenges derailing a UCC foreclosure process? The equipment is sitting there depreciating while we argue over periods and commas. This can't be normal.

This might be worth running through one of those UCC document checkers I keep hearing about - Certana or something similar. If you can get an automated analysis showing the name variation isn't seriously misleading, it might help convince the court or opposing counsel to drop the challenge.

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That's the second mention of Certana in this thread. Might be worth looking into if it can provide useful analysis for litigation purposes.

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I used Certana for a similar UCC issue - you just upload your filing PDFs and it cross-checks everything for consistency issues. Pretty straightforward and the analysis reports are detailed enough for legal purposes.

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Keep us posted on how this resolves! These UCC foreclosure process disputes are becoming more common and it's helpful to know how courts are handling technical challenges to continuation filings.

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Good luck! Sounds like you have a solid position, just need to push through the delay tactics.

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Agreed - this seems like a weak challenge that should get dismissed on summary judgment if you present the evidence clearly.

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PixelWarrior

UCC form fillable PDF fields not working in Adobe - debtor name issues

Having major headaches with fillable UCC-1 forms downloaded from our state SOS website. The PDF fields seem to work fine for most sections, but when I try to enter the debtor organization name in the fillable field, it either cuts off after 35 characters or completely scrambles the text when I save it. I've tried both Adobe Reader and Acrobat Pro - same issue. This is for a commercial equipment loan where the debtor name is 'Advanced Manufacturing Solutions and Industrial Supply Corp LLC' which obviously exceeds typical field limits. Anyone else running into problems with fillable UCC forms where the debtor name gets truncated or corrupted? I'm worried about filing a UCC-1 with an incomplete debtor name since that could void the entire perfection. The loan closes next week and I can't afford any filing rejections due to name issues.

Oh man, I remember dealing with this same thing! My solution was honestly just to call the Secretary of State office and ask them directly what they recommend for long entity names. The person I talked to was actually really helpful and told me their system could handle longer names if I filed by mail instead of online.

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They said mail filings usually take 3-5 business days versus same-day for electronic, but they also said mail filings have fewer technical rejections because they're reviewed by humans instead of automated systems.

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The human review aspect is appealing when you're dealing with edge cases like unusually long entity names.

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This thread is super helpful! I'm bookmarking this because I know I'll run into the same issue eventually. It seems like there are several viable workarounds depending on your state's specific system.

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Same here. It's good to know about these PDF limitations before you're up against a deadline.

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Thanks everyone for all the suggestions! I'm going to try the online portal first, and if that doesn't work, I'll call the SOS office about mail filing options. Really appreciate the help.

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Zainab Ahmed

NY State UCC Search Results Show Wrong Filing Status - Need Help Verifying

Been trying to run a proper ny state ucc search on some collateral we financed last year and the results are completely inconsistent. When I search by debtor name I get different results than when I search by filing number, and some continuations aren't showing up at all even though we filed them months ago. Has anyone else had issues with the NY UCC database showing outdated or incomplete information? I'm worried we might have liens that aren't properly perfected because the search results don't match our internal records. The original UCC-1 shows as active but two of our UCC-3 amendments from this year aren't appearing in the search results. This is for a $2.8M equipment financing deal so getting this sorted is pretty critical.

Just a thought - are you absolutely certain the UCC-3 amendments were accepted by the filing office? Sometimes they get rejected for technical errors but the rejection notices end up in spam folders.

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Also check your online filing account if you used the electronic portal - rejection notices sometimes only appear there.

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Good point - I've had rejections that only showed up as status updates in the filing portal, never got emailed.

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UPDATE: Just ran another ny state ucc search after reading this thread and found one of my missing UCC-3s finally appeared in the system. Looks like there really are significant indexing delays right now. Still missing one amendment though, so going with the Certana verification approach to make sure all my documents are consistent before I refile anything.

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That's encouraging that at least some of the delays are just system processing. I'll give it another week before panicking completely.

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Yeah but definitely verify your document consistency first - no point waiting for a filing to appear if it has errors that will prevent proper perfection anyway.

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