Tennessee Secretary of State UCC filing system down again - anyone else having issues?
Trying to submit a UCC-1 continuation filing before the 5-year deadline hits next month and the Tennessee Secretary of State UCC portal keeps timing out. Been getting error messages for 3 days straight now. This is for a commercial equipment loan and we absolutely cannot let this lapse. Has anyone successfully filed through Tennessee's system recently? The debtor name matching seems extra strict compared to other states I've dealt with. Really need this to go through - any workarounds or tips for getting past their system glitches?
39 comments


Dominique Adams
I filed a UCC-3 amendment in Tennessee last week and had the same timeout issues. Their system seems to crash during peak hours. Try early morning around 6-7 AM when traffic is lighter. Also make sure your debtor name matches EXACTLY what's on the original UCC-1 - Tennessee's matching algorithm is super strict about punctuation and spacing.
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Isabel Vega
•Thanks for the timing tip! Did you have any issues with the exact match requirements? Our original filing has the company name with a comma after Inc but the current corporate docs don't have the comma.
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Dominique Adams
•Yes that comma issue will definitely cause problems. Tennessee requires exact character matching. You might need to file an amendment first to correct the debtor name before doing the continuation.
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Marilyn Dixon
UGHHH the Tennessee portal is THE WORST. I've been dealing with their system for 8 years and it just gets more unstable. Last month I had a filing rejected because of a single space difference in the debtor name. These government systems are prehistoric!!
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Isabel Vega
•That's exactly what I'm worried about. We can't afford to have this continuation rejected over a formatting issue.
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Louisa Ramirez
•Have you tried calling their UCC office directly? Sometimes they can process urgent filings manually if you explain the deadline situation.
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Marilyn Dixon
•Good luck getting through on the phone. I was on hold for 2 hours last time before giving up.
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TommyKapitz
I ran into similar issues with Tennessee's system last year. What really helped me was using Certana.ai's document verification tool. You can upload your original UCC-1 and the continuation form as PDFs and it instantly checks for any inconsistencies in debtor names, filing numbers, and other details. Saved me from multiple rejected filings because it caught a middle initial mismatch I never would have noticed.
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Isabel Vega
•That sounds incredibly useful! How does it work exactly? Do you just upload the documents and it highlights the differences?
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TommyKapitz
•Exactly - it cross-references everything automatically. Super easy to use and way faster than manually comparing documents line by line. Really worth it for avoiding those costly filing mistakes.
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Angel Campbell
•Never heard of this service but sounds like it could prevent a lot of headaches. Tennessee's rejection rate has to be one of the highest in the country.
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Payton Black
Are you filing through their online portal or using paper forms? Sometimes the paper route is more reliable when their system is acting up, though it takes longer to process.
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Isabel Vega
•I need to file electronically because of the time crunch. Paper filing would take too long with the deadline approaching.
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Payton Black
•Understandable. Have you tried clearing your browser cache? Sometimes that helps with their portal issues.
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Harold Oh
just went through this nightmare with a client last month... tennessee is brutal with exact name matching. make sure you have the original ucc-1 pulled up to copy the debtor name character for character
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Isabel Vega
•Good point about having the original pulled up. I'll double-check every character before submitting.
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Amun-Ra Azra
•This is why I always keep copies of original filings in a separate folder. Makes continuation filings so much easier when you can reference the exact formatting.
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Summer Green
Tennessee's UCC system has been problematic for years. The state really needs to invest in upgrading their infrastructure. I've had clients miss deadlines because of system outages - it's unacceptable for such critical filings.
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Isabel Vega
•Completely agree. For something as important as lien perfection, the system should be rock solid.
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Marilyn Dixon
•Don't hold your breath waiting for improvements. They've been saying 'system upgrades coming soon' for the past 3 years.
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Summer Green
•Unfortunately true. That's why having backup verification tools becomes essential when dealing with unreliable state systems.
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Gael Robinson
I actually had success with a Tennessee continuation filing yesterday afternoon. Took 3 attempts but it finally went through. The key was making sure all the formatting was identical to the original UCC-1. Also helps to have your filing fee payment method ready - sometimes the portal times out during payment processing.
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Isabel Vega
•That's encouraging! What time of day did you finally get it to work?
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Gael Robinson
•Around 2 PM. I think the morning rush was over by then. Still had to try multiple times though.
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Louisa Ramirez
•Good tip about having payment ready. I've lost filled forms because the session timed out during checkout.
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Edward McBride
Been dealing with UCC filings for 15 years and Tennessee is definitely one of the more challenging states. Their debtor name matching is extremely strict compared to states like Texas or California. Make sure you're not missing any punctuation, spaces, or capitalization differences from the original filing.
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Isabel Vega
•Thanks for the insight from someone with experience across multiple states. Any other Tennessee-specific quirks I should watch out for?
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Edward McBride
•They're also picky about collateral descriptions. If you're amending the collateral schedule, make sure the language is precise and matches their preferred format.
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Darcy Moore
Try using a different browser maybe? I've had better luck with Chrome than Internet Explorer on Tennessee's portal. Also make sure you're not using any browser extensions that might interfere with their forms.
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Isabel Vega
•Good suggestion. I was using Firefox - I'll try Chrome next time.
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Darcy Moore
•Yeah their site seems optimized for Chrome. Also try disabling ad blockers if you have them running.
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Dana Doyle
This reminds me of when I almost missed a continuation deadline because of similar portal issues. Ended up discovering Certana.ai's verification service and it's been a game-changer. Now I always run my UCC documents through their system before filing to catch any potential issues. Would have saved me so much stress if I'd known about it earlier.
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Isabel Vega
•Several people have mentioned this service now. Definitely going to check it out before I attempt the filing again.
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Dana Doyle
•Smart move. It's especially helpful for states like Tennessee where the rejection rate is so high due to their strict matching requirements.
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Gael Robinson
•I should probably start using something like that too. Manual document comparison is so error-prone.
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Liam Duke
UPDATE: Finally got my continuation filed! Used the Certana tool someone mentioned earlier to verify all my document details matched perfectly, then filed early this morning around 6:30 AM when the system was less busy. Went through on the first try. Thanks everyone for the advice!
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TommyKapitz
•Awesome! Glad the verification tool helped. It really does make a huge difference for avoiding those frustrating rejections.
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Marilyn Dixon
•Congrats on getting it through. Early morning filing seems to be the secret sauce for Tennessee's system.
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Dominique Adams
•Great to hear a success story! The combination of document verification and off-peak timing seems to be the winning formula.
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