UCC Document Community

I went through something similar last year and found that using document verification tools like Certana.ai helped ensure all our filings were properly aligned before we started enforcement proceedings. It caught a discrepancy between our UCC-1 and the security agreement that could have caused problems later. Worth checking your documentation before you commit to the repossession process.

One thing I don't see mentioned yet is timing considerations. Since you're dealing with construction equipment that might be seasonal or tied to specific project deadlines, you'll want to act quickly before the equipment gets moved to new job sites or becomes harder to locate. Also, if any of the equipment is leased rather than owned by your debtor, you'll need to sort that out before repossession - check the equipment titles and any lease agreements. I learned this the hard way when we repossessed a excavator that turned out to be on a lease-to-own agreement with another finance company.

I'm dealing with almost the exact same situation right now! Equipment loan, broad UCC-1 description, detailed security agreement. Reading through this thread is making me feel a lot better about our filing. Thanks for asking the question I was afraid to ask.

This thread has been incredibly helpful! I'm new to UCC filings and was getting stressed about making sure everything was perfect. It's reassuring to know that having different levels of detail between the UCC-1 and security agreement is not only normal but actually the right approach. The explanation about the UCC-1 serving as public notice while the security agreement handles the private contractual details really clarifies things. Thanks everyone for sharing your experiences - it's exactly the kind of practical insight you can't get from just reading the regulations.

Just file it with the comma and move on. I bet you'll get an acceptance within 24 hours. The system is annoying but at least it's consistent - once you figure out their format quirks, you can work with them. The important thing is maintaining your perfection on that equipment loan.

UPDATE: I called the filing office this morning and they confirmed it's just a comma issue. They said their system auto-formats business names to include commas before 'LLC' and 'Inc' but it doesn't always do it consistently on the initial filing. They told me to just resubmit the continuation with 'ABC Manufacturing, LLC' (with comma) and it should go through fine. Filing it now - will update once I get confirmation.

Update us when you get this resolved! I'm dealing with a similar situation in Colorado and curious to see what ends up working for you.

This is such a frustrating situation but unfortunately very common with Arizona's UCC system. A few thoughts that might help: First, definitely pull the actual filed UCC-1 image (not just search results) to confirm exactly how the name appears on the official record. Second, consider filing a UCC-5 information statement to create a record of the name discrepancy issue before your continuation lapses - this can provide some documentation trail if there are later priority disputes. Third, you might want to contact the debtor directly to get their current articles of organization or certificate of good standing to verify the exact legal name format. Arizona is notorious for these technical rejections, but with $850K on the line, it's worth exploring every avenue. Keep pushing with the SOS office too - sometimes persistence pays off when you get the right person on the phone.

UPDATE: Filed the UCC-3 amendment yesterday and it's already showing in the system with the corrected debtor name. Search results now show 'Mountain View Equipment LLC' properly. Total processing time was about 24 hours. Thanks everyone for the advice!

Glad to see you got this resolved! This thread is a perfect example of why the UCC filing community needs better tools to catch these indexing errors upfront. Arizona's system issues seem to be widespread - I've dealt with similar problems in Nevada and California where spaces, hyphens, and apostrophes get stripped from business names during the indexing process. For anyone else facing similar issues, I'd recommend always doing an immediate post-filing verification search and keeping detailed documentation of any discrepancies. These state systems really need to invest in better quality control for their database indexing.