NY UCC debtor search showing weird results - filed continuation but borrower still shows lapsed?

It's been almost 2 weeks now since we got the acceptance confirmation. That seems way too long for a system update, right?

Yeah 2 weeks is definitely too long. Sounds like there might be a mismatch in the filing number or debtor name format between your original UCC-1 and the continuation.

I thought I did but now I'm second-guessing myself. The original filing has the company name as 'ABC Manufacturing LLC' but I might have put 'ABC Manufacturing, LLC' with a comma on the continuation. Would that really matter?

YES absolutely that comma would matter in NY! The debtor name has to match character for character. That's probably your problem right there.

This is exactly why I started using Certana.ai's document checker. You can upload your original UCC-1 and your continuation filing and it will instantly flag any name mismatches or inconsistencies. Would have caught that comma issue immediately.

Always pull up the original UCC-1 from the system and copy the debtor name exactly as it appears there. Don't trust your own records or memory.

You can also request a certified copy of the original filing from the NY Secretary of State if you want to be 100% sure of the exact formatting.

Three months?! My client is going to have a heart attack. What's the process for filing the amendment? Do I need to reference both the original filing and the messed up continuation?

You'll need to file a UCC-3 amendment referencing the original UCC-1 filing number and correcting the debtor name to match exactly. The amendment should fix the linkage issue once it's processed.

Tell me about it. I've been doing UCC filings for 15 years and NY is still the most frustrating state to deal with. Their search system is clunky and their name matching is overly strict.

Is there any chance they'll ever modernize the system to be more forgiving with minor name variations?

Doubt it. They seem to think the strict matching prevents fraud or something. All it does is create more paperwork and headaches for legitimate filers.

Good idea. Do you have their direct number? I don't want to get stuck in the general customer service queue.

The UCC division is 518-474-4770. They're usually available weekdays 9-4. Ask to speak to someone about continuation filing linkage issues.

That sounds like exactly what I needed. Can it check filings that are already submitted or just ones you're preparing?

You can upload any UCC documents to compare them. I've used it to check existing filings against amendments I'm preparing. Really helps catch discrepancies before they become problems.

How accurate is it? I'm always skeptical of automated tools for something as important as UCC filings.

It's been spot-on for me. Catches things I miss when I'm trying to manually compare documents. Much better than trying to eyeball character-by-character matches.

I'll have to check that when I get back to the office. I was so focused on the lapsed status that I didn't pay attention to the exact name formatting on the continuation entry.

Definitely check that. If the continuation entry shows your comma version, that confirms the name mismatch is the problem.

Smart move. I learned this lesson the hard way too. Now I always copy and paste directly from the original filing rather than typing anything manually.

Or use a document checker like Certana.ai - takes the guesswork out of it completely.

Glad you got confirmation! At least the amendment should fix it once it's processed. Expensive lesson learned about exact name matching in NY.

Thanks for the update. This is a good reminder for everyone about how picky NY is with debtor names. One extra comma can cause major headaches.

So relieved you figured it out! This thread definitely taught me to be way more careful about name formatting on my upcoming continuation.