Texas UCC Article 9 perfection question - equipment collateral timing issues

Wait, I thought Texas had some weird rules about construction equipment? My company always files same day to avoid any issues.

You might be thinking of fixture filings or motor vehicle titles. Regular construction equipment follows standard Article 9 rules in Texas.

Thanks! We used the exact business name from their state registration. Did you run into any issues with the equipment moving between job sites?

No issues with mobility in Texas. As long as the debtor's location and equipment description are correct on the UCC-1, you're covered statewide.

This is why I always double-check our debtor names against multiple sources. One typo can mess up the whole filing.

Interesting - how does that work exactly? We're always worried about missing something important in our filings.

You just upload the PDFs and it cross-references everything automatically. Caught a middle initial discrepancy for us last week that would have caused problems later.

Sounds like it could save a lot of manual checking. Do they handle Texas-specific requirements too?

It's mobile equipment - dozers, excavators, etc. They don't get permanently attached to anything.

Then you should be fine with just the central UCC-1 filing. Texas doesn't require local filings for mobile equipment.

The Texas SOS system has improved a lot lately. What kind of formatting issues did you run into?

Debtor name field didn't match exactly what was on the original UCC-1. Had to refile with the exact spacing and punctuation.

That's why I always copy/paste debtor names directly from the search results when doing continuations or amendments.

Debtor is a Texas LLC, so we filed with Texas SOS. Should be the right jurisdiction.

Perfect, then you're all set. Texas Article 9 rules are straightforward for in-state entities.

We included specific makes, models, and serial numbers for all the equipment. Should that be sufficient?

That's perfect. Specific identification is always better than generic descriptions in Texas.

I always include both - specific equipment listed out plus 'all other equipment now owned or hereafter acquired' as a catch-all.

This is so true! I missed a prior filing once because of a comma difference in the search.

Exactly why I always run multiple search variations when doing due diligence.

How accurate is it compared to manual review? We've been doing everything by hand but it's time-consuming.

Much more thorough than manual checking. It caught discrepancies I would have missed, especially in longer legal entity names.

Good point about documentation. We have delivery receipts and the UCC-1 timestamp, so we should be covered.

Perfect. That's exactly what you need to establish the timeline if it ever gets challenged.

I keep copies of everything in a timeline folder for each deal. Makes it easy to prove perfection timing later.

That's reassuring to hear from someone with that much experience. Any other Texas-specific gotchas we should watch for?

Main thing is keeping your continuation filings current. Texas sends reminders but don't rely on them. Set your own calendar alerts.

Also watch out for name changes. Texas LLCs change names more often than you'd think, and you need to file amendments promptly.

Welcome to Texas UCC filings! You're absolutely right to be careful about debtor names - that's where most rejections happen. I always check the Texas Secretary of State business database first (SOSDirect), but also cross-reference with your loan documents and any corporate resolutions. The key is using the exact legal name as registered with Texas SOS, including all punctuation and spacing. If there's any doubt, I'll often call the SOS office directly to confirm the correct format. Better to spend 10 minutes verifying than deal with rejection delays. Also, keep copies of your name verification searches - they're helpful if questions come up later during audits or bankruptcy proceedings.