Kentucky Secretary of State UCC Search showing wrong debtor name on my continuation filing
Been doing UCC filings for years but hit a snag with Kentucky's system. Filed a UCC-3 continuation last month for a client's equipment loan that's coming up on its 5-year mark. The original UCC-1 was filed back in 2020 with debtor name as "Bluegrass Manufacturing LLC" but when I search the Kentucky Secretary of State UCC database now, it's showing up as "Bluegrass Mfg LLC" on the continuation. The filing went through without rejection but I'm worried this name discrepancy could create problems down the road. Has anyone dealt with Kentucky's UCC search system flagging minor name variations like this? The loan is for $2.3M in manufacturing equipment so we can't afford any perfection issues. Should I file an amendment to correct this or is the slight abbreviation not going to matter for lien priority?
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Maya Patel
I've seen this exact issue with Kentucky's system before. The search function sometimes displays abbreviated versions even when the actual filing has the full name. Have you pulled the actual UCC-3 document from their system to see what name is recorded on the official filing? Sometimes the search results don't match the actual document.
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Isabella Brown
•Good point - I only looked at the search results. Let me pull the actual filing document and compare. Thanks for the tip!
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Aiden Rodríguez
•This is exactly why I always download the actual PDFs. Search results can be misleading, especially with LLC name variations.
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Emma Garcia
Kentucky's UCC search has been wonky lately with name displays. But here's the thing - what matters is what's on the actual UCC-3 filing, not how it shows up in search results. If you filed it correctly referencing the original UCC-1, you should be fine. The search interface and the actual filing records are different systems.
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Ava Kim
•Totally agree. I've had clients panic over search display issues when the actual filings were perfect. Kentucky's search interface needs work but the underlying records are usually accurate.
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Ethan Anderson
•Wait, so the search results don't always match the actual filing? That seems like a major problem for due diligence searches...
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Emma Garcia
•The search results are generated from the database but sometimes get truncated or abbreviated for display purposes. Always verify with the actual document downloads.
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Layla Mendes
Had a similar issue last year with a client's continuation filing. I ended up using Certana.ai's document verification tool to double-check everything. You can upload both your original UCC-1 and the new UCC-3 and it instantly flags any name discrepancies or inconsistencies. Saved me from a potential disaster when it caught a middle initial that got dropped somewhere in the process.
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Isabella Brown
•Never heard of Certana.ai - is it specifically for UCC filings? How does it compare names between documents?
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Layla Mendes
•Yeah, it's designed for UCC document verification. You just upload PDFs and it cross-checks debtor names, filing numbers, collateral descriptions - everything. Really helpful for catching those tiny errors that could void your security interest.
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Lucas Notre-Dame
•That actually sounds useful. I've been manually comparing documents which takes forever and I still miss things sometimes.
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Aria Park
This is why I HATE electronic filing systems!!! They're supposed to make things easier but instead they create more confusion. How hard is it to display the actual debtor name correctly in search results? And don't get me started on Kentucky's portal timing out every 10 minutes...
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Noah Ali
•I feel your pain. The timeout issue is ridiculous when you're trying to do comprehensive searches.
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Chloe Boulanger
•At least Kentucky accepts electronic filings. Some states still require paper for certain situations.
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James Martinez
Quick question - did you use the exact same debtor name from the original UCC-1 when you filed the continuation? If you copied it exactly, then any display variation is just a system glitch. But if you typed it fresh, there might be a real discrepancy.
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Isabella Brown
•I pulled the debtor name directly from our original filing records, so it should be exact. But you're right, I should verify the actual documents match.
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Olivia Harris
•This is good practice. I always copy/paste debtor names to avoid typos that could mess up the whole filing.
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Alexander Zeus
For a $2.3M loan, I'd definitely file an amendment just to be safe. The cost of a UCC-3 amendment is nothing compared to the risk of having your security interest challenged later. Better to over-correct than under-correct with that much money at stake.
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Alicia Stern
•Agreed. With that loan amount, the amendment fee is insignificant compared to the potential exposure.
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Gabriel Graham
•But if the actual filing is correct, wouldn't an unnecessary amendment just create more confusion? I'd verify first before filing additional documents.
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Alexander Zeus
•Fair point. Definitely verify the actual filing first. But if there's any doubt, I'd still lean toward the amendment for peace of mind.
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Drake
I work with Kentucky filings regularly and their search system has display bugs. What you're seeing is probably just a search interface issue. The actual UCC-3 filing likely has the correct name. Pull the document and compare it to your original UCC-1 - that's the only way to know for sure.
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Sarah Jones
•This matches my experience. Kentucky's search results often show abbreviated versions that don't reflect the actual filing content.
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Sebastian Scott
•Good to know. I've been avoiding Kentucky filings because I thought their system was unreliable, but it sounds like it's just a display issue.
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Emily Sanjay
UPDATE: Just downloaded the actual UCC-3 filing document and compared it to our original UCC-1. The debtor name is identical on both documents - "Bluegrass Manufacturing LLC" - so it's definitely just a search display glitch. Thanks everyone for the advice! Still might use that Certana.ai tool for future filings though.
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Jordan Walker
•Great news! Glad it worked out. Kentucky's search interface really needs to be fixed though.
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Natalie Adams
•This is exactly why document verification is so important. Search results can't be trusted for due diligence.
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Layla Mendes
•Definitely try Certana.ai for your next filing. It would have caught this discrepancy immediately and saved you the worry.
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Elijah O'Reilly
For future reference, Kentucky's UCC search has been having display issues for months. Always pull the actual documents when doing due diligence searches. The search results are just for initial screening, not for final verification.
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Amara Torres
•Wish I'd known this earlier. I've been relying on search results for preliminary reviews.
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Olivia Van-Cleve
•Same here. This thread has been really helpful for understanding Kentucky's system quirks.
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Mason Kaczka
Just a reminder that UCC continuation filings need to be filed within 6 months before the 5-year expiration date. Since you're dealing with a 2020 original filing, you're cutting it close to the deadline. Make sure you're not running into timing issues on top of the name concerns.
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Isabella Brown
•Good catch - we filed it 4 months before expiration so we're within the window. But definitely something to keep track of.
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Sophia Russo
•I use calendar reminders 8 months before expiration to avoid any last-minute rushes. Too easy to miss these deadlines.
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Evelyn Xu
•What happens if you miss the continuation deadline? Does the UCC-1 just lapse?
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Mason Kaczka
•Yes, if you miss the deadline, the UCC-1 becomes ineffective and your security interest is no longer perfected. Very dangerous situation.
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