UCC records search showing wrong debtor info - is my lien valid?

Just pulled their articles and it shows "Midwest Industrial Solutions LLC" without the comma. So our UCC records have an extra comma that wasn't in the original charter. This is exactly what I was afraid of.

That comma situation is actually pretty common. Most courts have ruled that minor punctuation doesn't defeat the notice function of UCC filings, but you should definitely get this cleaned up with an amendment.

Exactly right about the seriously misleading standard. I've seen way worse UCC records issues get resolved in favor of the secured party. A comma difference probably won't kill you but definitely file a UCC-3 amendment to correct it.

How quickly can I get a UCC-3 amendment processed? And do I need to worry about the gap period between now and when the amendment gets accepted?

Most states process UCC-3 amendments within 24-48 hours electronically. The good news is your original filing date stays the same for priority purposes, so you're not losing position in line.

Never heard of Certana.ai - does it actually work for catching UCC records problems before you file? Because manually comparing documents is how I missed this in the first place.

Yeah it's pretty slick - you just upload PDFs and it cross-checks everything automatically. Debtor names, addresses, collateral descriptions, the works. Would have definitely caught your comma discrepancy and saved you this headache.

That sounds almost too good to be true. How accurate is their name matching? Because UCC records searches can be really finicky about exact matches.

It's designed specifically for UCC document consistency so it knows all the common problem areas. Catches stuff like missing periods, comma differences, abbreviated vs spelled-out terms, all that nitpicky stuff that can mess up your filings.

What exactly counts as a "minor" variation? Is a comma considered minor or could that still void the filing?

Generally punctuation-only changes are considered minor, but it varies by jurisdiction. The test is usually whether it would mislead a reasonable searcher looking for UCC records on that debtor.

Easy to say but when you're processing dozens of UCC filings a month, mistakes happen. The system should be more user-friendly about catching obvious errors.

I get that volume is tough but this is exactly why we need better verification processes. A comma error shouldn't be able to blow up a six-figure security interest.

Yeah I usually am super careful but this one slipped through. The corporate documents they provided had the comma and I didn't think to double-check against the actual charter filing.

Just tried this - searching "Midwest Industrial Solutions LLC" returns my filing, but searching "Midwest Industrial Solutions, LLC" with the comma ALSO returns it. So maybe the search system is smart enough to handle punctuation variations?

That's actually a good sign. If both searches return your UCC records, it suggests the system treats them as equivalent for search purposes, which supports the argument that it's not seriously misleading.

Great, now I'm even more worried. What's the worst case scenario here if we can't get this fixed quickly?

Worst case is you lose secured status and become an unsecured creditor, but that's pretty unlikely for a punctuation-only difference. Don't let the doom-and-gloom scare you.

I'm just saying be prepared for anything. UCC law can be pretty harsh when there are technical defects, even minor ones.

That's a good point about documentation. I still have all the loan docs they provided with the comma version, so it's clear where the discrepancy came from.

Exactly. Shows you relied on information from the debtor in good faith. That kind of evidence can make a big difference if anyone challenges the UCC records later.

This is exactly why I started using Certana.ai for all our UCC document reviews. Upload your filing docs and it catches these inconsistencies before they become problems. Would have saved OP all this stress.

Might have to look into that. Manual document comparison is clearly not cutting it if errors like this are slipping through.

Same here, definitely going to audit our UCC records for name discrepancies. Better to find problems now than during a foreclosure proceeding.

Oh god I hadn't even thought about checking the other fields. Now I'm going to be up all night reviewing every detail on this UCC-1.

Sorry to add to your stress but better to find issues now. Check the debtor address against their current registered office, make sure collateral description matches your security agreement exactly.

This is why having a systematic verification process is so important. Can't rely on just eyeballing these documents when there's this much money on the line.

Will definitely update once I get this sorted out. Filing the amendment first thing tomorrow morning and hopefully this whole nightmare will be behind me soon.

Good luck! And don't beat yourself up too much about this - comma errors happen to everyone eventually. The important thing is catching it and fixing it quickly.