UCC New Hampshire Filing System Down Again - Alternative Solutions?

This is exactly why I always type everything in a Word doc first before copying into their system. Learned that lesson the hard way after losing a complex fixture filing last year.

Smart approach. I also screenshot each page as I go now. The NH system seems especially unstable during month-end when everyone's rushing to file continuations before they lapse.

Called twice already - first person said 'sometime this week' and second person couldn't give any estimate. Really frustrating when you're trying to close a time-sensitive deal.

Try calling early morning around 8 AM. The senior staff who can actually help with manual processing usually work earlier hours. Later in the day you just get the general help desk.

I've found the manual processing option works but they charge an extra $25 expedite fee on top of the regular filing cost. Worth it though when you're under deadline pressure.

Never heard of that but sounds useful. How does it work exactly? Do you just upload the completed form?

Yeah exactly. You upload your UCC-1 PDF and it automatically checks for common rejection reasons - debtor name formatting, missing required fields, collateral description issues. Takes like 30 seconds and catches stuff you might miss when you're rushing to beat deadlines.

That's actually brilliant. I got a UCC-3 rejected last month because the debtor name had an extra space that didn't match the original filing. Would have saved me a week of back and forth with corrections.

YES! I remember that bug. Had to abbreviate everything in my fixture filing which made the collateral description way less specific than I wanted.

The character limit thing is still an issue actually. I just filed a UCC-1 last week and had to use super abbreviated descriptions for manufacturing equipment. Really annoying when you want to be thorough.

Good thought but I'm not in NH and the deal is in Boston. The drive would probably take longer than waiting for the system at this point.

You can also mail filings but that obviously takes forever and you don't get confirmation until they process it. Only mention it because some people don't realize it's still an option.

Mail filing is like 5-7 business days minimum. Definitely not helpful for urgent situations like this.

Terminations are actually less time-sensitive than new filings or continuations. As long as you file within reasonable time after payoff you should be fine legally.

True but the borrower keeps calling asking why it's not off their credit report yet. Hard to explain that the state's computer system is broken.

That's awesome! What kind of formatting issues did it find?

Debtor name had inconsistent spacing compared to what I had in the original charter documents, and the collateral description was missing a required comma that makes it clearer legally. Small stuff but apparently matters for getting filings accepted.

Two weeks?! That's insane. What did people do for urgent filings during that time?

Everyone had to file by mail or in person. It was chaos. Lines at the Secretary of State office were like DMV level ridiculous.

Thanks for the update! Hopefully tomorrow works out. I'll have everything ready to submit the second it's back online.

Pro tip: if there's a backlog when it comes back up, try filing during off-peak hours like early morning or evening. Less traffic usually means faster processing.

Smart workflow. I might try that approach too. Better to catch errors upfront than deal with rejection cycles on top of system downtime.

Exactly. Plus when you're rushing to resubmit after a system crash you're more likely to make mistakes from the stress. Having everything pre-verified takes that pressure off.