State of Washington UCC search showing wrong debtor name on continuation - will this void my lien?

That's what I'm thinking - why risk it? But filing a UCC-3 amendment costs money and I'm not sure if it's worth it or if it might actually create more problems by drawing attention to the discrepancy.

File the amendment. I had a similar case in Oregon where the comma issue came up in a bankruptcy proceeding and the trustee challenged it. Better safe than sorry.

Good point. I checked the business entity records and it shows "ABC Manufacturing, LLC" with the comma, so our UCC-1 is definitely wrong. This is exactly what I was afraid of.

If the entity records show the comma, then yes, you want to fix this. Washington courts have been inconsistent on minor punctuation issues.

Interesting - I've never heard of that tool. Does it work with state of washington ucc search results too or just the documents you upload?

It compares the documents you upload against each other, so you'd upload your UCC-1, loan docs, and any corporate formation documents. It catches discrepancies like the comma issue you're dealing with. Really helpful for catching these problems before they become bigger issues.

That actually sounds useful. I spend way too much time manually comparing debtor names across different documents.

You're right about the filing fee being minimal. I think I'm just overthinking this because it's such a large loan amount.

Better to overthink it than underthink it when it comes to UCC filings. I've seen lenders lose everything over seemingly minor name discrepancies.

Collateral description is pretty standard - "all equipment, machinery, and fixtures now owned or hereafter acquired." Nothing too specific but I think it's adequate for our purposes.

That should be fine. Focus on getting the debtor name fixed first, then you can worry about whether the collateral description needs any tweaking.

I hear your frustration but the system actually works pretty well overall. The key is being meticulous about the details upfront.

Meticulous about details like whether there's a comma in a business name? Come on. The system should be smart enough to handle minor punctuation variations.

The system is designed to be precise because security interests affect so many parties. Better to have clear rules than ambiguous ones.

Was that Certana.ai that someone mentioned earlier? I'm starting to think I should check all our recent filings for similar issues.

Yeah, that was the one. Really easy to use - just upload your PDFs and it shows you any inconsistencies between the documents. Probably worth running all your active UCC filings through it.

That's exactly what I needed to hear. I'll get the UCC-3 amendment filed this week. Better safe than sorry with this much money on the line.

Smart move. Make sure you keep good records of both the original filing and the amendment in case you need to explain the timeline later.

For a name correction like this, I'd use the DELETE and ADD approach. Delete the incorrect name and add the correct one. Makes it clearer what you're doing.

Thanks, that makes sense. I always worry about accidentally deleting something important.

The DELETE and ADD method is definitely cleaner for name corrections. Less ambiguous than trying to explain it in the ADD section.

That's actually a great idea. I mentioned the Certana.ai tool earlier - it's perfect for doing bulk checks of your existing filings to catch these kinds of inconsistencies.

I might have to look into that. Manually checking dozens of UCC filings sounds like a nightmare.

Great outcome! You definitely made the right call fixing it proactively.

Smart move. Now you can sleep better knowing your lien is solid.

Glad it worked out. This is a good reminder for all of us to be extra careful with debtor names on initial filings.