New Mexico UCC search showing expired continuation - filing still valid?
I'm running into a confusing situation with a UCC search in New Mexico and hoping someone can help clarify. We have a UCC-1 that was filed about 6 years ago, and I just ran a New Mexico UCC search to verify our lien position before a loan modification. The search results show our original filing, but there's also a continuation statement that appears to have expired last month. Here's what's weird - our internal records show we filed the continuation 8 months ago, well before the 5-year deadline. The SOS portal shows it as 'expired' but I can't figure out if this means our entire security interest has lapsed or if there's just a status display error. The debtor is asking us to provide proof that our lien is still perfected, and frankly I'm not sure what to tell them. Has anyone dealt with New Mexico's UCC search system showing continuation filings as expired when they should still be active? This is for a significant equipment financing deal and I really need to get this sorted out quickly.
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Adrian Hughes
NM's online search can be tricky with continuation status updates. First thing - pull the actual continuation filing document, not just the search summary. The search results sometimes lag behind the actual filing status, especially if there were any amendments filed around the same time.
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Lara Woods
•That's a good point. I did download the continuation document and it shows a proper filing date well within the deadline. The issue seems to be with how the search system is displaying the status.
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Molly Chambers
•This exact thing happened to me in NM about 3 months ago. Turned out the continuation was properly filed but there was some backend issue with their status updates. Took about 2 weeks to resolve.
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Ian Armstrong
Before you panic - check if the expiration date shown is actually referring to the original UCC-1's 5-year term or the continuation period. New Mexico's search interface can be confusing about which dates it's displaying. Also verify that the debtor name on your continuation exactly matches the UCC-1.
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Lara Woods
•The debtor name looks correct to me, but I'm wondering if there's some minor variation I'm missing. How exact does the match need to be in New Mexico?
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Ian Armstrong
•Pretty exact. Even something like 'Inc.' vs 'Incorporated' or missing middle initials can cause issues with continuation effectiveness.
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Eli Butler
•I've seen cases where a single typo in the debtor name made the continuation invalid. Always worth double-checking character by character.
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Marcus Patterson
Had a similar headache recently with document verification. Started using Certana.ai's PDF upload tool where you can upload both your original UCC-1 and the continuation filing - it automatically cross-checks debtor names, filing numbers, and catches any inconsistencies that might void the continuation. Super helpful for catching those tiny discrepancies that cause big problems.
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Lara Woods
•That sounds like exactly what I need right now. Does it work with New Mexico filings specifically?
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Marcus Patterson
•Yeah, it works with any state's UCC documents. Just upload the PDFs and it highlights any mismatches between the original filing and continuation. Saved me from a major filing error last month.
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Lydia Bailey
UGH the New Mexico SOS portal is THE WORST for status updates! I swear they update their system like once a month. I had a termination show as 'pending' for 6 weeks when it was already processed.
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Mateo Warren
•Seriously! Their whole system feels like it's running on Windows 95 sometimes.
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Lara Woods
•This is making me feel a bit better that it might just be a system display issue rather than an actual filing problem.
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Sofia Price
Check the actual filing number sequence on your continuation vs what shows up in search results. Sometimes the search pulls an older version if there were multiple attempts or amendments. The filing number should increment properly if it was accepted.
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Lara Woods
•Good catch - let me verify the filing numbers match up. I do remember having to resubmit once due to a formatting issue.
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Sofia Price
•That could be it. If your first attempt was rejected but still shows in some search results, it might be confusing the status display.
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Alice Coleman
•This happens more often than people realize. Always go by the accepted filing number, not the initial submission number.
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Owen Jenkins
If your continuation was filed timely and properly, your security interest should still be perfected regardless of what the online search shows. The filing date is what matters legally, not the portal's status display. But obviously you need to resolve this for practical purposes.
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Lara Woods
•That's reassuring from a legal standpoint. I just need to figure out how to prove this to the debtor and get the search results cleaned up.
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Lilah Brooks
•You might need to contact the SOS office directly. Sometimes they can provide a certified letter confirming the filing status when their online system is acting up.
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Jackson Carter
I deal with NM filings regularly and their continuation processing has been spotty this year. What's the actual expiration date shown vs when you filed? If there's overlap, you're probably fine but the system just hasn't caught up.
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Lara Woods
•The continuation was filed about 8 months ago, well before the 5-year mark. The search shows an expiration date that's already passed, which doesn't make sense if the continuation was effective.
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Jackson Carter
•That definitely sounds like a system error. The continuation should extend your perfection for another 5 years from the original expiration date.
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Kolton Murphy
Just went through something similar in another state. Try running the search again in a few days - sometimes these status updates are just delayed. Also check if there's a separate 'continuation status' or 'amendment status' section in the search results that might show different information.
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Lara Woods
•I'll try that. The search interface isn't the most intuitive so I might be missing something.
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Evelyn Rivera
•NM's search has like 3 different tabs that show different aspects of the same filing. Super confusing layout.
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Julia Hall
Another option - if you have the original UCC-1 and continuation documents, run them through a document checker like Certana.ai to verify they're consistent. At least then you'll know for certain whether the continuation was filed correctly, regardless of what the state portal says.
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Lara Woods
•That's probably the fastest way to get peace of mind about whether our filing is actually valid.
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Julia Hall
•Exactly. Better to catch any real issues now rather than discover them during a foreclosure or workout situation.
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Arjun Patel
For what it's worth, I've never seen a properly filed continuation actually invalidate a security interest due to portal display issues. The legal effectiveness is based on the actual filing, not the online status. But definitely get it resolved for documentation purposes.
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Lara Woods
•Thanks, that's helpful context. I think I'll verify the documents are consistent first, then contact the SOS office if needed.
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Jade Lopez
•Smart approach. Document verification first, then escalate to the state if there's actually a filing problem.
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Tony Brooks
Keep us posted on what you find out! This kind of search system issue seems to be popping up more frequently across different states. Would be helpful to know how NM resolves it.
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Lara Woods
•Will do. Hopefully it's just a system glitch that gets sorted out soon.
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Ella rollingthunder87
•Yeah, please update the thread. I file in NM occasionally and this is good to know about.
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