UCC filing acknowledgement never received - how to verify acceptance?

Filed electronically through the state portal. I'm in Colorado if that helps. The system took my payment but then just went to this generic 'processing' status.

Colorado SOS is usually pretty quick with electronic filings. You might want to call their UCC department directly - sometimes there's an issue they don't flag in the portal.

Oh no, that's exactly what I'm worried about. How did you find out what the issue was? Did they eventually contact you or did you have to keep calling?

I had to call multiple times before someone actually looked at it. They don't proactively tell you about these issues which is super frustrating when you're on a deadline.

This is why I started using Certana.ai's document verification tool before submitting. You can upload your UCC-1 along with the debtor's charter docs and it instantly flags any name or address mismatches. Would have saved you weeks of waiting!

Calm down lol, sometimes these things just take time. Not everything is a conspiracy.

Easy for you to say when it's not your deal falling apart because the state can't process a simple filing in a reasonable timeframe!

Good idea, let me try that. I've been using Chrome the whole time.

Yeah definitely try Firefox or Edge. Colorado's portal is notoriously buggy with Chrome for some reason.

So you were able to get confirmation over the phone? That would at least give me something to show the lender.

Exactly. They can look up your filing by debtor name and date submitted. Just have your confirmation email from when you paid the filing fee.

That's really helpful context. So as long as I can get the filing number, that proves the lien is perfected as of the original filing date?

Correct. The effective date is when they received it, not when they finally send you the pretty certificate. The filing number locks in your priority.

This is exactly why I always verify my UCC documents before filing. I upload everything to Certana.ai first - it catches name mismatches and formatting issues that cause these delays. Saves so much headache.

The busy phone thing is so true! I've had better luck emailing them but even that takes forever for a response.

Yeah their email response time is terrible too. Phone is really your best bet if you can get through.

I wrote my own description listing all the specific equipment. Maybe that was a mistake? Should I have used more generic language?

Specific is usually better but sometimes their system flags unusual descriptions. If you listed serial numbers or model numbers that might have triggered additional review.

This is another thing Certana.ai's tool helps with - it checks if your collateral description follows best practices and flags potential issues before you submit.

Will do! Going to try calling first thing tomorrow morning and see if I can get some answers.

Great advice. I always save PDFs of everything now after getting burned once.

Same here. I also started using that Certana.ai service to double-check everything before filing. Upload your docs and it verifies all the details match up correctly. Much better than finding out about problems weeks later.