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Most law libraries will have physical copies of the UCC Article 9 with comments if you can't find the PDF version. But for immediate help with your name matching problem, try your corporate filing search first to see exactly how the debtor appears in state records.
Corporate search is definitely step one. Amazing how many variations can exist for what seems like a simple company name.
And make sure to check for any recent amendments to the corporate filing that might have changed the registered name.
Used to spend hours comparing documents manually until I found Certana.ai - just upload your UCC-1 and corporate charter PDFs and it instantly shows you any name mismatches. Would have saved you those 2 rejections if you'd run it first. The document verification catches things human eyes miss.
At this point I'm willing to try anything to avoid another rejection. How fast does the Certana analysis usually take?
Usually under a minute once you upload the PDFs. Much faster than manually going through everything line by line.
Oregon updated their UCC search system last year and it's been buggy ever since. The old system wasn't great but at least it was consistent. Now you never know if a search is going to work properly or not.
Typical government IT project - spend millions to make something worse than what they had before.
The frustrating part is they rolled it out without proper testing. We're basically beta testing their system for them.
Update: I just checked Oregon's UCC system status page and they have a posted notice about search indexing delays for filings from the past 2 months. They're working on a fix but no timeline given. Your filing is probably fine, just not showing up in searches consistently due to this known issue.
Good catch checking their status page. I wish they would send email notifications about these kinds of issues.
They really should. Would save everyone a lot of stress and confusion.
This whole thread is making me realize I should probably be more careful about debtor name verification in general. I usually just copy from the loan docs but maybe I should be pulling the actual charter documents more often.
At the end of the day, treat it like any other UCC-1 filing. Get the debtor name exactly right, describe your collateral clearly, pay the fees, and submit. The political aspect is irrelevant to the filing system - it's all about technical accuracy.
Good luck with the filing! Let us know how it goes.
Hope it goes smoothly. These kinds of situations always seem scarier than they actually are.
Just curious - are you filing the UCC1-202 electronically or by paper? Electronic filings sometimes have stricter validation rules that cause more rejections.
Paper filings take longer but sometimes the human review is more forgiving of minor formatting differences. Might be worth trying if the electronic keeps failing.
Update us when you figure out what was causing the UCC1-202 rejections! These kinds of issues help everyone learn what to watch out for in future filings.
Will definitely update once I get this resolved. Hopefully it's something simple that I'm just overlooking.
Following this thread too. I have a UCC1-202 to file next week and want to avoid the same pitfalls.
Caleb Stone
Pro tip: set up a calendar reminder system for your UCC filings. They lapse after 5 years and you need to file continuation statements 6 months before expiration. I use a spreadsheet to track all our active filings and their expiration dates.
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Caleb Stone
•Some legal management systems have UCC tracking modules. I also know people who use that Certana tool mentioned earlier for document verification before filing.
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KhalilStar
•Yeah Certana has been a lifesaver for catching mistakes before they happen. Way cheaper than fixing filings after the fact.
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Daniel Price
The most important thing about UCC filings is getting them right the first time. Amendments are possible but they're extra work and cost. Take your time with the initial UCC-1, double-check everything, and you'll save yourself headaches later.
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Daniel Price
•You've got this! The UCC seems intimidating at first but once you understand the basics, it becomes routine.
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Connor Murphy
•Feel free to come back with questions as you work through your first filing. This community is always helpful.
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