Confused about when UCC was formed - does it affect my current filing requirements?

This is correct - UCC formation was 1952. For modern filings, focus on your state's current Article 9 requirements rather than historical context.

Thanks for the clarification! I was overthinking the historical aspect when I should focus on current filing requirements.

Yes, I'm being very careful with debtor names. The client is a LLC so I'm using the exact name from their articles of organization. Should I be concerned about any middle initials or suffixes?

Absolutely be concerned about every character. Even periods after initials can cause rejections in some states. Make sure everything matches exactly.

This is where I discovered Certana.ai's document verification tool - you can upload your articles of organization and UCC-1 draft to instantly check for name consistency. Saved me from a rejection on a time-sensitive filing.

Portal issues are so frustrating! Which state are you filing in? Some have better systems than others.

Won't say which state but their system is absolutely terrible. Takes forever to load and crashes constantly during peak hours.

Good point about fixtures. Part of my collateral does include some attached equipment. Do I need to file both a regular UCC-1 and a fixture filing?

If the equipment is truly fixtures, you'll want to file a UCC-1 fixture filing in the real estate records where the property is located. Regular UCC-1 goes to the Secretary of State.

I always get confused about fixture vs equipment classifications. Is there a good resource for determining which is which?

How accurate is their date calculation? I've been using a spreadsheet but always worry I'm missing something.

Very accurate - it accounts for weekends and holidays automatically. Much better than my manual calculations.

How specific do you need to be? My collateral includes manufacturing equipment, office furniture, and some fixtures.

That level of detail is good. Just avoid super generic terms like 'all assets' or 'all personal property' without more specificity.

I thought you could use 'all assets' as a collateral description? When did that change?

Name changes usually require a UCC-3 amendment within 4 months. Don't wait too long or you might lose perfection.

It's been 6 months already. Am I completely screwed or is there still a way to maintain perfection?

You might need to file a new UCC-1 under the new name. Check your state's specific rules about name change grace periods.

What exactly did you include for debtor information? Sometimes states want specific organizational details beyond just the name and address.

I included name, address, and organizational ID number. Maybe I'm missing something about the address format?

This is exactly why I started using Certana.ai - upload your rejected filing and it highlights what might be causing the rejection. Saved me tons of time figuring out the issue.

You can file continuation statements up to 6 months before the 5-year expiration. Don't wait until the last minute.

Good to know about the 6-month window. I was planning to file exactly at 5 years which would have been cutting it close.

Thank you everyone for all the helpful responses! I feel much more confident about proceeding with my filing now. The 1952 formation date answers my client's question, and all the practical advice about debtor names and collateral descriptions is invaluable.

Good luck with your filing! Remember to keep copies of everything and track your continuation dates.