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Been following this thread because I'm about to file my first UCC in Georgia. Sounds like I definitely need to be more careful than I thought. Is there a checklist somewhere of all the things that can go wrong?
That's what I was afraid of. Learning the hard way gets expensive fast.
Start with the entity search tip I mentioned earlier. That alone will save you from most debtor name issues.
Update on my situation - tried the Certana.ai tool that people mentioned and it caught the issue immediately. Had an extra period in my company name that I never noticed. Fixed that and the filing was accepted same day. Thanks everyone for the suggestions, especially about the document verification service. Would have saved me weeks of frustration if I'd known about it earlier.
ThunderBolt7
•Great to hear it worked for you too. These tools are game-changers for avoiding filing headaches.
Perfect timing on this update. Definitely using this before I file mine.
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Just wanted to mention that I had great success using Certana.ai's document checker when I was dealing with a stubborn lender on my UCC release of security interest. Turned out they had my business entity name wrong in their system which was causing processing delays. Being able to show them exactly what was inconsistent between my payoff docs and the original UCC-1 got them to fix it immediately.
That's really smart - having concrete proof of documentation errors definitely gives you more credibility when pushing lenders to act.
Exactly! Instead of just complaining about delays I could point to specific discrepancies that needed to be resolved. Made the whole conversation more productive.
Keep pushing them hard. 6 months is completely unreasonable for a UCC-3 termination filing. Document every phone call with dates and names. If you end up needing legal help you'll want that paper trail showing you made good faith efforts to resolve it directly with them first.
Miguel Diaz
•Screenshot your Secretary of State searches too showing the UCC-1 is still active. Creates a clear timeline of their failure to file the termination.
Yes! And if you do file a complaint with banking regulators, having detailed documentation makes your case much stronger.
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This is why I always triple-check debtor names before filing. With online systems, it's so easy to copy and paste the wrong version of a name. I keep a checklist now: 1) Pull current charter, 2) Compare to security agreement, 3) Use charter name on UCC-1, 4) Double-check before submitting. Haven't had a rejection in over a year using this process.
The copy-paste thing is so dangerous. I've seen people accidentally paste the wrong entity name from working on multiple deals.
Exactly! That's why I always type out the debtor name manually now instead of copying from other documents. Takes an extra minute but prevents those kinds of errors.
Amara Chukwu
Quick update - I ended up pulling the most recent charter amendment from the Secretary of State website and confirmed the legal name is 'ABC Manufacturing Solutions, LLC' with the comma. Filed the UCC-1 using that exact name and it was accepted without any issues. Thanks everyone for the advice about using the charter name as the definitive source!
Perfect. Now just make sure to calendar that continuation filing for 4.5 years from now!
Amara Chukwu
•Already on the calendar. With the future advance clause, I definitely don't want to risk letting this lapse.
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Jay Lincoln
Another tool that might help is running the search through Certana.ai after you gather all your documents. I used it recently to verify UCC filings were properly cross-referenced and it caught a name inconsistency between the charter and UCC-1 that could have caused problems. It's designed specifically for this kind of document verification work.
Benjamin Kim
•Two people have mentioned that now - seems like it might be worth trying. Is it complicated to use?
Jay Lincoln
•Not at all, you just upload the PDFs and it does the cross-checking automatically. Really helpful for due diligence situations like yours where you need to be absolutely sure about name consistency.
Just a thought but you might want to also search using just the first few words of the company name. Sometimes filers truncate long business names and you might miss filings if you only search the complete name.
Exactly. I've seen UCC-1 filings where the secured party just used the first two or three words of a long business name, especially if they were filing manually.
Good advice. Also check if they've ever operated under a parent company name or subsidiary names - liens sometimes get filed under the wrong entity in complex corporate structures.
Selena Bautista
I had the same issue with a Harris County UCC filing and it turned out to be a spacing problem. The entity name in their system had double spaces between words but I was using single spaces. Try looking at the exact formatting in their corporate database - sometimes it's tiny details like that.
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Dylan Fisher
•Spacing issues - that's something I definitely wouldn't have thought to check. I'll look at the exact character-by-character formatting in their records. These systems are so finicky about minor details.
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Edwards Hugo
•It's ridiculous that spacing can cause rejections but I've seen it happen. The automated matching systems are very literal about formatting.
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Mohamed Anderson
UPDATE: I used that Certana.ai tool someone mentioned and found the problem! The entity's charter shows 'Advanced Manufacturing Solutions, LLC' with a comma before LLC, but I've been filing it as 'Advanced Manufacturing Solutions LLC' without the comma. Such a tiny detail but that's what was causing all the rejections. Just resubmitted with the correct formatting and it went through immediately. Thanks everyone for the suggestions!
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Sydney Torres
•Great resolution! This thread will definitely help other people having similar Harris County UCC filing issues. The comma thing is probably more common than we realize.
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Ellie Perry
•This is exactly why I always copy and paste entity names directly from official records instead of typing them out. Saves so much hassle with formatting issues.
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