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Dominic Green

PA UCC codes showing up wrong on my continuation filing - anyone else hit this?

So I'm dealing with this really frustrating situation where I need to file a UCC-3 continuation in Pennsylvania and the PA UCC codes aren't matching what I expected. I've got a UCC-1 from 2020 that's coming up on its 5-year expiration next month, and when I pulled the record to prep my continuation, some of the debtor information and filing codes look different than what's on my original documents. Basically I'm trying to make sure I don't screw up the debtor name or reference the wrong PA UCC codes when I submit this continuation. The collateral is manufacturing equipment for a small business loan we made, and if this continuation gets rejected for a technical error, we're looking at a potential lapse that could really mess things up for both us and our borrower. Has anyone run into issues with PA UCC codes not matching between the original filing and what shows up when you search the records? I'm worried I'm missing something obvious but I can't afford to get this wrong. The SOS website isn't super clear about how to handle discrepancies between what you filed originally and what's showing in their system now.

Hannah Flores

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I've seen this before with Pennsylvania filings. Sometimes the SOS system updates how they display certain information, but for your continuation you need to match exactly what's currently showing in their records, not necessarily what you originally filed. Pull a certified copy of the current record and use those exact details for your UCC-3.

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Dominic Green

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That makes sense but it's still nerve-wracking. Do you know if there's a way to verify I'm getting the right information before I submit?

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Yeah definitely pull that certified copy like they said. I made the mistake once of using my old paperwork and got rejected for debtor name mismatch even though it was technically the same company.

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PA can be tricky with their UCC codes and indexing. What specific codes are showing up differently? Are we talking about the filing number format or something in the debtor/secured party information?

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Dominic Green

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It's mainly the debtor name - they seem to have reformatted how they display it in their system. The business name is the same but the spacing and punctuation look different from what I originally filed.

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Ah yes, that's common. Pennsylvania's system sometimes normalizes business names for indexing. For your continuation, use the exact formatting that appears in their current search results.

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Grace Lee

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This is exactly why I started using document verification tools. I had too many close calls with name mismatches.

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Grace Lee

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I actually ran into something similar last year with a Pennsylvania filing. After getting burned by a rejected continuation due to tiny formatting differences, I started using Certana.ai's UCC document checker. You can upload your original UCC-1 and the current record search results, and it instantly flags any discrepancies between the documents. Really saved me from making the same mistake twice.

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Dominic Green

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That sounds helpful - does it specifically catch those PA UCC formatting quirks?

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Grace Lee

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Yeah it compares everything side by side - debtor names, filing numbers, all the details. Shows you exactly what doesn't match so you know what to fix before you file.

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Mia Roberts

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I've heard of that tool but never tried it. Does it work with different state systems?

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The Boss

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Pennsylvania's UCC system drives me absolutely INSANE. I swear they change how they format things every few months and never tell anyone. Last month I had a client whose continuation got bounced because the debtor address formatting was slightly different from what was showing in their search results even though it was the SAME ADDRESS.

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Dominic Green

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Oh no, that's exactly what I'm worried about! How did you end up resolving it?

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The Boss

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Had to refile with the exact formatting from their search results. Cost extra time and fees, but at least it went through the second time.

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State systems are so inconsistent. Some states are super picky about exact matches, others are more forgiving.

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Quick tip for PA filings - always do a search right before you file your continuation to make sure nothing has changed in how they're displaying the information. I learned this the hard way after a continuation got rejected for a debtor name that looked identical to me but apparently had some invisible character difference.

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Dominic Green

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Good point, I'll definitely do a fresh search right before submitting.

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Jasmine Quinn

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Invisible characters are the worst! You can't even see what's wrong.

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Exactly! That's why I always copy and paste directly from their search results now instead of typing anything manually.

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Oscar Murphy

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I handle a lot of Pennsylvania UCC work and can tell you that their system has definitely changed how it displays certain information over the past few years. The key thing is that your continuation needs to reference the debtor exactly as it appears in the current index, not necessarily as you originally filed it. Also make sure you're using the correct filing number format - PA has been pretty consistent with that but I've seen people mess up the hyphens or spacing.

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Dominic Green

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That's really helpful, thank you. Is there a specific format I should be looking for with the filing numbers?

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Oscar Murphy

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PA filing numbers usually follow a pattern with the year and sequential number. Just copy it exactly as it appears in their search results including any hyphens or spaces.

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Nora Bennett

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ugh i hate when this happens. had a similar thing with a delaware filing last year where everything looked right but some tiny formatting thing was off and it got rejected

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Ryan Andre

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Delaware is notoriously picky about exact formatting too. These state systems need to be more user-friendly.

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Nora Bennett

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right?? like why can't they just match on the important stuff instead of getting hung up on spaces and punctuation

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Lauren Zeb

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The PA UCC system actually has a verification feature where you can preview how your filing will appear before you submit it. I always use that for continuations to make sure everything matches up correctly. It's saved me from several potential rejections over the years.

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Dominic Green

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I didn't know about the preview feature! That sounds really useful.

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Lauren Zeb

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Yeah it's in their online filing system. Shows you exactly how your information will be indexed so you can catch any issues before you pay the filing fee.

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That's a great tip. Wish all states had that feature.

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Just to add another perspective - I've found that if you're really unsure about the PA UCC codes or formatting, you can always call their UCC office directly. They're usually pretty helpful about explaining what they need to see for a continuation to be accepted. Better to spend a few minutes on the phone than to risk a rejection and have to deal with a potential lapse.

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Dominic Green

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Good idea, I might give them a call just to be extra sure.

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Their staff really knows the system well. They can usually tell you right away if there are any common issues with the type of filing you're doing.

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Anthony Young

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I actually had a client use that Certana document checker tool someone mentioned earlier and it caught a discrepancy we totally missed between the original UCC-1 and what was showing in the PA search results. The debtor had slightly changed their legal name since the original filing and we needed to do an amendment before the continuation. Would have been a disaster if we'd just filed the continuation without catching that.

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Dominic Green

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Wow, that could have been really bad! Glad you caught it in time.

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Anthony Young

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Yeah, the tool basically does a line-by-line comparison and highlights anything that doesn't match perfectly. Takes the guesswork out of it.

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That's exactly the kind of thing that's easy to miss when you're doing manual comparisons. Automated checking makes a lot of sense for this stuff.

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Admin_Masters

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Update for anyone following this thread - I ended up pulling a certified copy of the current record like several people suggested, and there were indeed some formatting differences from my original filing. Used the exact information from the certified copy for my continuation and it was accepted without any issues. Thanks everyone for the advice!

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Hannah Flores

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Great to hear it worked out! That's always the safest approach with PA filings.

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Dominic Green

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Wait, you're not the original poster... but good advice anyway!

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Admin_Masters

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Oops sorry, got confused about which thread I was in. But the advice still stands!

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