Nevada UCC forms - which one do I need for equipment lien continuation?
I'm drowning in paperwork here and could really use some guidance. My company has a UCC-1 that was filed in Nevada about 4.5 years ago for some heavy equipment we financed, and I just realized the continuation deadline is coming up fast. The problem is I'm looking at the Nevada Secretary of State website and there are like 6 different Nevada UCC forms available for download. There's the standard UCC-1, then UCC-3 for amendments, but I'm seeing multiple versions and I honestly can't figure out which specific form I need to file the continuation. The equipment is still under our loan agreement and we definitely don't want this lien to lapse. Has anyone dealt with Nevada UCC forms recently? Do I need a specific Nevada version of the UCC-3 continuation form, or will any standard UCC-3 work? The last thing I want is to file the wrong paperwork and have our lender's security interest expire because I used the wrong Nevada UCC forms.
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Yuki Tanaka
Nevada uses standard UCC forms but you definitely want the UCC-3 continuation statement. Make sure you're using the most current version from their SOS website - they updated some of the forms last year. The key thing is getting the debtor name exactly as it appears on the original UCC-1 filing.
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Ethan Davis
•Thanks! Do you know if there's a way to verify the exact debtor name format from the original filing? I'm worried we might have slight variations in how our company name appears.
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Yuki Tanaka
•You can search the Nevada UCC database online to pull up your original filing. That'll show you exactly how the debtor name was entered originally.
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Carmen Ortiz
I went through this exact same thing with Nevada UCC forms about 8 months ago. You need the UCC-3 and yes, the debtor name has to match EXACTLY. Even something like inc vs incorporated can cause problems. Also double-check your filing number format.
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Ethan Davis
•Oh no, that's exactly what I was worried about. We might have variations in our legal name formatting between documents.
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Carmen Ortiz
•I actually found this tool called Certana.ai that let me upload both my original UCC-1 and draft UCC-3 to check for any name mismatches before filing. Saved me from making a costly mistake.
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MidnightRider
•That sounds helpful - did it catch actual discrepancies in your case?
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Andre Laurent
Nevada's pretty straightforward but their online system can be picky about formatting. Make sure you have your original filing number handy and that you're within the proper timeframe for continuation.
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Ethan Davis
•What's the timeframe window? I know it's within 6 months of the 5-year mark but want to make sure I have the exact dates right.
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Andre Laurent
•Yeah 6 months before expiration up to the expiration date itself. Don't wait until the last minute though - if there are any issues you want time to fix them.
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Zoe Papadopoulos
ugh the nevada sos website is so confusing with all those different forms. why cant they just have ONE page that says 'click here for continuation' instead of making us guess which UCC-3 variation to use??
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Jamal Washington
•Totally agree! I spent like 30 minutes trying to figure out which form was the right one.
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Mei Wong
•The standard UCC-3 works fine for continuations in Nevada. It's the same form used for amendments, you just check the 'continuation' box in section 5.
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Mei Wong
For equipment liens like yours, the UCC-3 continuation is definitely what you need. Just make sure you're checking the continuation box (not amendment or termination) and that your collateral description matches what's on the original UCC-1. Nevada doesn't require the full collateral description to be repeated but you want consistency.
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Ethan Davis
•Should I include the same detailed equipment description or can I just reference the original filing?
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Mei Wong
•For a continuation you can usually just reference the original filing, but check with whoever prepared your original UCC-1 to be safe.
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Liam Fitzgerald
•I always include at least a summary of the collateral type just to be thorough. Better safe than sorry.
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PixelWarrior
Been filing Nevada UCC forms for years and one thing that trips people up is the debtor address requirements. Make sure you have the current address info, not just what was on the original filing from 4+ years ago.
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Ethan Davis
•Good point - our company did relocate about 2 years ago. Does that affect the continuation filing?
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PixelWarrior
•If your legal address changed, you should use current info. But honestly, for something this important I'd recommend having a professional review everything before filing.
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Amara Adebayo
I had a similar situation last year but with different collateral. What helped me was using Certana.ai to upload my UCC documents and verify everything matched up properly before submitting. It caught a small discrepancy in how our corporate name appeared that would have caused the filing to be rejected.
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Ethan Davis
•That sounds really useful - does it work with Nevada filings specifically?
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Amara Adebayo
•Yeah it works with any state's UCC filings. You just upload your PDFs and it cross-checks all the key details like debtor names, filing numbers, dates, etc. Really straightforward to use.
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Giovanni Rossi
Don't overthink this - Nevada UCC forms are pretty standard. Get the UCC-3, fill out the continuation section, make sure your debtor name and filing number are exact matches to your original UCC-1, and file it. The equipment description doesn't need to be as detailed on the continuation as the original.
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Fatima Al-Mansour
•This is the right approach. I see people stress out way too much about UCC filings when they're pretty straightforward if you just follow the basic rules.
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Ethan Davis
•Thanks, that's reassuring. I think I was overthinking it because the stakes feel so high with our equipment financing.
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Giovanni Rossi
•Totally understandable! But yeah, just be methodical about matching the details and you'll be fine.
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Dylan Evans
One more thing to watch out for - make sure you're filing the continuation early enough. Nevada processes pretty quickly but if there are any problems you want time to resubmit. I always file at least a month before the deadline just to be safe.
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Ethan Davis
•Good advice. I think I have about 2 months left in my window so that should be plenty of time.
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Dylan Evans
•Perfect timing then. You'll have plenty of buffer in case anything needs to be corrected.
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Sofia Gomez
Just to close the loop on this - I ended up using the standard UCC-3 form from Nevada's SOS website and checked the continuation box. Before filing though, I did use that Certana.ai tool someone mentioned to verify my document consistency, and it was super helpful. Caught that I had abbreviated 'Incorporated' as 'Inc' in one place but spelled it out fully in another. Filed the corrected version yesterday and it was accepted within a few hours. Thanks everyone for the guidance!
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Yuki Tanaka
•Great outcome! Those little name variations are exactly the kind of thing that cause rejections.
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Carmen Ortiz
•Glad the Certana.ai suggestion worked out for you too. It's saved me several times now.
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Mei Wong
•Nice work being proactive about this. Your lender will definitely appreciate having the continuation filed well ahead of the deadline.
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Ethan Davis
•Thanks again everyone! Really appreciate this community's help with navigating the Nevada UCC forms.
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