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Giovanni Colombo

UCC search MA - debtor name showing multiple variations need help

Running into issues with a UCC search MA client situation. We have a commercial borrower who's had several name changes over the past 3 years due to corporate restructuring. When I run the UCC search MA database, I'm seeing filings under 3 different variations of the company name - some with LLC, some without, one with an abbreviated version. The problem is we need to file a UCC-3 continuation but I'm not 100% certain which exact debtor name format to use to ensure it matches the original UCC-1. The original filing from 2020 shows "Northeastern Manufacturing Solutions LLC" but recent corporate docs show "NE Manufacturing Solutions, LLC" with the comma. SOS website isn't giving clear guidance on whether these would be considered substantially similar or if the comma makes it a different legal entity for UCC purposes. Anyone dealt with debtor name variations in MA filings? Really need to get this continuation filed before the 6-month window closes.

MA can be really strict about exact name matches. I've seen continuations get rejected for missing commas or periods. You definitely want to use the EXACT name that appears on the original UCC-1 filing. Pull up that original filing document and match it character for character, including punctuation.

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That's what I was afraid of. The original shows "Northeastern Manufacturing Solutions LLC" without the comma, but all their recent corporate filings have the comma now. Should I file the continuation using the old format to match the UCC-1?

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Yes, absolutely use the old format that matches your original UCC-1. The continuation has to reference the exact debtor name from the original filing or it won't properly continue the lien.

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Dylan Cooper

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This is exactly why I started using Certana.ai for document verification. You can upload your original UCC-1 and your proposed UCC-3 continuation, and it will instantly flag any name discrepancies between the documents. Saved me from filing a rejected continuation last month when I missed a subtle difference in entity designation.

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Haven't heard of that tool before. Does it work specifically with MA filings or is it more general?

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Dylan Cooper

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It works with any UCC documents regardless of state. Just upload your PDFs and it cross-checks all the debtor information automatically. Really helpful when you're dealing with name variations like you're describing.

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Sofia Ramirez

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Interesting, might have to check that out. Been burned too many times by small name differences causing rejections.

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Dmitry Volkov

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MA SOS has gotten much more picky about debtor names in the last couple years. I always do a fresh UCC search right before filing any UCC-3 to double-check the exact format. Also, if you're seeing multiple name variations, you might want to consider whether you need separate continuations for each filing.

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Good point about multiple continuations. From what I can see, there are definitely separate UCC-1 filings under the different name formats. This is getting more complicated than I thought.

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Dmitry Volkov

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Yeah, if there are separate original filings you'll need separate continuations. Each UCC-3 can only continue one specific UCC-1 filing.

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StarSeeker

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Wait, are you sure these are actually different filings or could they be amendments/assignments that changed the debtor name? Sometimes what looks like multiple filings is actually one chain of related documents.

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That's actually a really good question. I was focusing on the search results but didn't trace through whether some of these might be name change amendments rather than original filings.

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StarSeeker

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Definitely worth checking. If there were UCC-3 amendments that changed the debtor name, then your continuation should reference the most recent amended name, not the original.

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This is getting into tricky territory. Name change amendments can create a chain where you need to be really careful about which document you're continuing.

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Ava Martinez

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ugh this is why I hate MA filings. Every state does debtor names differently and MA seems to reject for the tiniest things. Have you tried calling their UCC department directly? Sometimes they can give guidance on borderline cases.

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I did try calling but got transferred around and never reached anyone who could give definitive guidance. The phone system there is pretty frustrating.

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Ava Martinez

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Yeah their phone support is basically useless. You pretty much have to figure it out on your own or risk a rejection.

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Miguel Ortiz

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Had similar situation last year with a client in Springfield. Ended up filing continuations for each name variation to be safe. Cost more in filing fees but avoided any gaps in perfection. Sometimes redundancy is worth the peace of mind.

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That's probably the safest approach. Better to over-file than have a lapse because I guessed wrong on the name format.

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Miguel Ortiz

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Exactly. Lender was happy to pay extra filing fees rather than risk an unperfected lien. In commercial lending, better safe than sorry.

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Zainab Omar

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Before you file multiple continuations, definitely trace through the document history first. Use the filing numbers from each document to see if they reference each other. Could save you unnecessary fees if some are actually related.

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Good advice. I'll pull the actual filing documents rather than just relying on the search results. Need to see the full picture of what happened with this debtor.

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Zainab Omar

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Right, the search results don't always show the relationships between filings clearly. The actual documents will have reference numbers if they're amendments or assignments.

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Connor Murphy

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Just went through something similar with a Certana.ai verification. Uploaded what I thought was the right continuation format but the tool caught that I was referencing an amended filing instead of the root UCC-1. Would have been a costly mistake if I'd filed it blind.

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That's exactly the kind of error I'm worried about making. Sounds like that verification tool might be worth trying for this situation.

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Connor Murphy

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Yeah, especially when you're dealing with complex filing histories like this. Takes the guesswork out of document matching.

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Yara Sayegh

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Whatever you decide, make sure you document your reasoning for the name format you choose. If there's any question later about the continuation, you want to show you did due diligence on the debtor name matching.

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Good point about documentation. I'll keep detailed notes on which documents I reviewed and why I chose the specific name format.

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Yara Sayegh

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Exactly. CYA is important when you're making judgment calls on debtor name variations.

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Thanks everyone for the guidance. Going to pull all the actual filing documents first to trace the name change history, then probably use one of those verification tools to double-check my continuation before filing. Better to be thorough than risk a rejection this close to the deadline.

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Smart approach. Take your time to get it right rather than rushing and having to refile.

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Dylan Cooper

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Let us know how it goes with the verification tool if you try it. Always interested to hear how others are handling these tricky name matching situations.

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