UCC-3 instructions confusing me - amendment vs continuation forms

Thank you! So I would check 'Amendment' and then in the description field explain that I'm correcting the debtor name from 'ABC Manufacturing Inc' to 'ABC Manufacturing, Inc.'? The portal has this weird workflow where it asks for the original filing number first.

Exactly right. You'll need your original UCC-1 filing number, and yes, describe the exact change in the amendment description. Most states require you to be very specific about what you're correcting.

This is why I always double-check debtor names before filing the original UCC-1. One missing comma or period can cause major headaches later when you need to amend.

Yeah, lesson learned on my end. The original filing was rushed and we didn't catch the formatting difference between our loan documents and the UCC-1.

That sounds useful. Does it actually tell you which UCC-3 option to select or just highlight the discrepancies?

It identifies the discrepancies and explains whether you need an amendment vs other filing types. Really helpful when the state instructions are vague about what constitutes each category.

Never heard of Certana.ai but anything that can clarify these confusing UCC-3 instructions sounds worth trying. The state portals are terrible at explaining the differences.

True, but most states follow the standard UCC Article 9 format. The key is being specific enough that there's no ambiguity about what you're changing.

yeah but 'specific enough' means different things to different filing offices. i've had amendments rejected for being too vague and others rejected for being too detailed. makes no sense.

The UCC-3 amendment creates a new filing record but it's linked to the original UCC-1. When someone searches, they'll see both records and the amended information takes precedence.

Got it, so the original filing stays in the system but the amendment shows the corrected information. Thanks for clarifying.

Super helpful! Should I include both names in the amendment description field or is there a separate section for original vs corrected information?

Most UCC-3 forms have a section where you describe the change. I usually write something like 'Amending debtor name from ABC Manufacturing Inc to ABC Manufacturing, Inc.' to make it crystal clear.

This is exactly the kind of detailed guidance the state UCC-3 instructions should include but never do. Thanks for the practical advice!

Good idea. I was hesitant to call because I figured they'd just tell me to read the instructions, but if they actually help that could save a lot of confusion.

They're usually pretty helpful, especially for straightforward amendments like debtor name corrections. Just have your original filing number ready when you call.

You can typically do both on the same UCC-3 form. There should be checkboxes for both 'Continuation' and 'Amendment' - just select both and fill out the relevant sections.

Correct, but double-check your state's specific requirements. Some states prefer separate filings for continuation vs amendment to avoid processing confusion.

Thanks both! I'll check the state-specific UCC-3 instructions to see if they allow combined filings.

How long does the verification process take? I have a deadline coming up for my amendment filing.

Pretty much instant - you just upload the PDFs and it runs the comparison automatically. Takes maybe 2-3 minutes total to get the results.

Glad it helped! I'm feeling much more confident about my filing too after all this guidance.

Don't put it off too long - name discrepancies can create real problems if they're discovered during audits or when you need to enforce your security interest.