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Aria Park
Make sure you're also checking for any recent UCC-3 continuations that might not be showing up properly in the search results. NC has been having issues with their continuation processing lately and some filings that should have expired are still showing as active while others that were properly continued aren't appearing in searches.
Aria Park
•It should show up as a separate UCC-3 filing linked to the original UCC-1. Look for filings with 'continuation' in the description.
Yuki Tanaka
•This is another area where the NC system is inconsistent. Sometimes the continuation filings don't link properly to the original.
Noah Ali
Just wanted to follow up on this thread since I was dealing with something similar. Ended up using the Certana.ai verification tool that several people mentioned here and it was really helpful. Found two name variations I hadn't searched for and confirmed that my search results were complete. Definitely recommend it for anyone dealing with tricky UCC searches.
Thanks for the follow-up. Always good to hear how these situations work out.
Appreciate you sharing your experience. Sounds like that tool is worth trying.
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Just to confirm - current NY UCC-1 fees are $20 for single debtor, $5 for each additional debtor on the same filing. Expedited processing adds $15 to the base fee. Amendment fees are the same as initial filing fees. Those are the numbers I've been using successfully for the past six months.
Luca Russo
•Perfect, that matches what I'm seeing in the portal. Thanks for the confirmation - I can update our billing structure accordingly.
Dylan Cooper
•Those numbers are spot on. I do a lot of NY filings and that's exactly what I budget for clients.
One last tip - if you're doing multiple filings for the same client, consider whether you can combine debtors on fewer forms to save on the $20 base fees. Sometimes it makes sense to pay the $5 additional debtor fee instead of separate $20 base fees.
Makes sense. Individual transactions definitely need separate filings for proper lien perfection.
Yeah, you can't combine unrelated collateral on one UCC-1 just to save filing fees. Each loan needs its own perfected security interest.
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Update us when you figure this out! I have a similar search coming up next week and could use any tips you discover.
Will do. I'm going to try the document verification tool someone mentioned and see if that helps sort out the name variations.
Same here - following this thread for the resolution!
Just a thought - have you checked if any of the filings show amendments that might have changed the debtor name? Sometimes what looks like multiple debtors is actually one debtor that changed names over time with UCC-3 amendments.
This happens more than people realize, especially with LLCs that change their names slightly for branding reasons.
Mason Davis
•Always check the amendment history. Name changes, address changes, collateral additions - they all create searchability issues.
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Ryan Vasquez
Had similar experience with SBA loan payoff last year. Took 6 weeks for the termination to show up but lender was communicating throughout. As long as they're responsive to your inquiries I wouldn't panic yet.
Ryan Vasquez
•Just slow internal processes on their end. Multiple approval levels apparently. But they kept me updated which helped with the anxiety.
Communication really does make all the difference in these situations.
Check if your state has online UCC search tools - some update daily, others weekly. Might explain why you're not seeing it yet even if they filed recently.
Benjamin Kim
•Good thought, I've been checking daily but maybe it's not real-time updates.
Yeah, some state databases have lag time. Could be filed but not showing up in search yet.
James Johnson
Make sure the search company you're using understands the difference between exact name searches and similar name searches. Some states have different search logic, and you want to make sure you're getting the most comprehensive results possible for your lender.
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James Johnson
•Most banks outsource UCC searches anyway. Using a specialized company directly can sometimes be faster and give you more control over the search parameters.
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Kyle Wallace
•Plus you get the search results directly instead of waiting for the bank to interpret them for you. More transparency in the process.
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Sophia Rodriguez
Document everything for your lender - the name change timeline, when loans were paid off, which UCC filings correspond to which loans. The more organized your documentation, the faster they can review and approve. Banks love complete paper trails.
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Sophia Rodriguez
•That's exactly what they want to see. Makes their due diligence much easier when everything is clearly documented and explained.
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Henry Delgado
•A good summary document can turn a potential 2-week delay into a 2-day review. Well worth the effort to organize everything upfront.
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