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 :)
Join the conversation
Join the conversation
Molly Hansen
Just to add another data point - I file UCC terminations monthly and the exact name match rule is consistently enforced across all states I work in. Don't overthink it, just copy the original debtor name exactly as filed in 2019.
Perfect, that's the confirmation I needed. Going with "ABC Manufacturing LLC" exactly as shown on the original UCC-1.
Molly Hansen
•You're making the right choice. Good luck with the termination and the transaction closing!
Brady Clean
Update us when you get it filed! Always interested to hear how these name matching situations resolve.
Will do! Filing tomorrow morning with the exact original name format. Thanks everyone for the guidance.
Skylar Neal
•Looking forward to the success story. These threads really help others facing similar issues.
Join the conversation
GalaxyGazer
I've been using a spreadsheet to track all the different name variations I search. It helps me stay organized and makes sure I don't duplicate effort.
Smart approach. I should probably start doing that instead of just keeping mental notes.
Documentation is key, especially if you need to explain your search methodology to clients or colleagues later.
One more tip - if you find filings, make sure to check the continuation and termination dates carefully. Sometimes companies file continuations under slightly different name formats, which can create confusion about which filings are still active.
Malik Davis
•The timing aspect is crucial. A filing that looks terminated might actually have been continued under a name variation you haven't searched yet.
This is exactly why I ended up using Certana.ai - it automatically flags these kinds of inconsistencies across multiple documents. Saved me from making a costly mistake.
Join the conversation
Raul Neal
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.
Loan documents sometimes have shortened or informal versions of the business name. Charter documents are always the safest source for UCC filings.
I learned this the hard way after getting multiple rejections on what I thought was a simple filing
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.
Jenna Sloan
•Good luck with the filing! Let us know how it goes.
Laila Prince
•Hope it goes smoothly. These kinds of situations always seem scarier than they actually are.
Join the conversation
Just went through something similar in Northern Kentucky. The key question is whether your equipment can be removed without material damage to the real property. If removal would damage the building or require significant demolition, Kentucky treats it as a fixture requiring special filing procedures under Article 9. Get an engineer's assessment if you're unsure.
The concrete pumps are pretty integrated into the foundation work. Might need that engineering assessment.
For $2.8M in collateral, an engineering report is cheap insurance. Get it in writing whether removal would damage the property.
Amina Diallo
Talk to a Kentucky attorney who specializes in Article 9 before you do anything. The intersection of mechanic's liens and UCC fixture filings is complex in Kentucky, and the stakes are too high to guess. They might recommend a protective filing strategy while you sort out the fixture question.
Amina Diallo
•Send me a private message - I know a couple specialists in Louisville and Lexington who handle these exact situations.
GamerGirl99
•Don't wait too long on legal advice. Kentucky's lien priority rules can shift quickly if other creditors start filing.
Diego Flores
The good news is that equipment financing UCCs are usually pretty straightforward compared to inventory or receivables filings. Your collateral description should be clear and hasn't changed much over 5 years. Just make sure you update any serial numbers if equipment has been modified or replaced.
0 coins
Keisha Jackson
•Actually, we did add some attachments to one of the machines. Does that require a completely new collateral description or can I just note the additions?
0 coins
Diego Flores
•For equipment modifications, I'd include the base equipment with original serial numbers plus a detailed description of the attachments. Better to be overly specific than to leave gaps that could affect the security interest.
0 coins
Amina Diop
This whole thread is making me paranoid about my own filings. Is there any service that tracks these deadlines automatically? I don't trust myself to remember something this important 5 years from now.
0 coins
Amina Diop
•That sounds like exactly what I need. Manual tracking is obviously not working for people based on this thread.
0 coins
Oliver Weber
•I wish I'd known about automated tracking before my lapse. Would have saved me a lot of stress and that personal guarantee requirement from my lender.
0 coins