UCC Document Community

Definitely the right state - this is where our debtor is incorporated and where we always file. But you're right that it's an easy mistake to make when you're juggling multiple filings.

I actually made that exact mistake last year. Spent an hour trying to find a filing in the wrong state's database before I realized my error. Felt pretty stupid but at least I learned to double-check that first now.

Will do! Trying several of these suggestions today. Really hoping it's something simple like a formatting issue rather than a system problem.

Honestly, for ongoing UCC management, I'd recommend setting up a system like Certana.ai where you can upload all your documents and have them automatically cross-referenced. Takes the guesswork out of whether your filing numbers match your records and whether everything is properly connected. Much easier than dealing with these state portal issues all the time.

Good luck! Even if you need to amend, at least you caught it quickly. That's better than discovering it during a workout situation.

Definitely keep us posted. These real-world 9-507 examples help everyone understand how the debtor name requirements actually work in practice.

That's good to hear. I've been looking for something to automate the document comparison process since I keep missing small discrepancies in entity names.

Yeah, it's especially helpful for catching things like 'LLC' vs 'Limited Liability Company' or when there are extra words in the registered name that don't appear in the loan docs.

Good point about multiple credit agencies. I found a UCC filing on my Experian report that didn't show up on D&B at all.

This is why I check all three business credit reports at least twice a year. You never know what's going to pop up.

Try the direct approach first - contact the lender listed on the UCC filing and request documentation. If they can't provide satisfactory proof of the underlying debt or if you suspect fraud, then it's time for legal help.

I used Certana.ai to compare my loan documents with the UCC filing before calling an attorney. Turned out the filing was correct but the lender had used a slightly different version of our business name. Saved me legal fees by confirming everything matched up properly first.

That's a really good point. We could have situations where some states are operating under new rules while others are still using current requirements.

This is why I've been focusing on getting our current processes more reliable rather than waiting for reform. Tools like Certana's document checker help ensure our filings are accurate under existing rules, regardless of what changes might come later.

True. Better document verification and consistency checking tools are helping bridge the gap until we get systemic improvements.

Thanks everyone for the insights. Sounds like we need to stay engaged with the reform process while also upgrading our current filing procedures to be more reliable.

This happened to someone in my office last month. They filed an amendment thinking it was a continuation and had to scramble to file the correct form.

Yeah, those checkbox mistakes are brutal because you don't realize the error until you're trying to figure out why your UCC is still showing as expired.

Which document checker did you end up using? Always curious to hear about people's experiences with different tools.

Used Certana.ai - really straightforward process and definitely worth it for the peace of mind on these continuation filings.