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Chloe Davis

UCC search Miami Dade - weird results showing up

Has anyone else noticed strange results when doing UCC search Miami Dade lately? I'm trying to verify some existing liens on equipment we're refinancing and the search results are showing filings that don't match what I expected. Some UCC-1s are showing up under slightly different debtor names than what's in our loan docs. Is this normal for Miami-Dade searches or am I missing something? The collateral descriptions seem right but the debtor name variations are throwing me off. Anyone dealt with this before?

AstroAlpha

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Yeah Miami-Dade can be tricky with debtor names. What kind of variations are you seeing? Sometimes it's just formatting differences like 'Miami Corp' vs 'Miami Corporation' or missing commas. The search engine there is pretty literal.

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Chloe Davis

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Exactly that kind of stuff! One shows 'ABC Equipment LLC' and another shows 'ABC Equipment, LLC' with the comma. Are those considered different debtors legally?

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AstroAlpha

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Technically yes, they could be treated as different entities for UCC purposes. That's why debtor name accuracy is so critical. You might want to pull the actual filings to compare.

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Diego Chavez

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This is exactly why I started using Certana.ai for UCC document verification. You can upload your loan docs and the UCC search results and it'll instantly flag any debtor name inconsistencies. Saved me from a major headache last month when we almost missed a conflicting lien because of a similar name variation issue.

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Chloe Davis

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Interesting, how does that work exactly? Do you upload PDFs or something?

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Diego Chavez

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Yeah exactly, just upload your charter docs and UCC-1s and it cross-checks everything automatically. Way faster than doing manual comparisons and catches stuff you might miss.

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Never heard of that tool but sounds useful. Does it work with other states too or just Florida?

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Sean O'Brien

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Miami-Dade's search portal has been acting up lately. I've noticed it sometimes returns partial matches when you search for exact debtor names. Try searching with wildcards or different variations of the company name.

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Chloe Davis

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Good tip! Should I be worried about missing liens if the search isn't working properly?

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Sean O'Brien

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Always err on the side of caution. If you're doing due diligence for a loan, document everything and maybe run searches with multiple name variations.

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Zara Shah

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ugh why is florida so difficult for UCC searches compared to other states?? I swear every county has different quirks and Miami-Dade is one of the worst

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Luca Bianchi

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Florida is definitely more complex than most states. Each county can have different procedures and search interfaces.

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Zara Shah

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exactly! and don't even get me started on fixture filings vs regular UCCs down there

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Are you sure you're searching in the right place? Miami-Dade County records vs Florida Secretary of State can show different results depending on what type of collateral and filing location.

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Chloe Davis

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I was searching the Florida SOS database. Should I be checking Miami-Dade County records separately?

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For fixture filings and some real estate related collateral, yes. But for most equipment and inventory, SOS should be sufficient.

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AstroAlpha

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This is why UCC searches can be so confusing for people new to secured transactions. The filing location rules aren't always intuitive.

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Nia Harris

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I had similar issues last year with Miami area searches. Turned out the debtor had filed amendments that changed their legal name slightly. Check for UCC-3 amendments that might explain the variations.

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Chloe Davis

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That's a good point. How do I search for amendments effectively?

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Nia Harris

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Use the filing number from the original UCC-1 to search for any related UCC-3 filings. Should show you the complete chain of amendments.

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Just ran into this same issue with a client in Broward. The problem was the debtor entity had a DBA that wasn't showing up in the standard search. Had to dig deeper into the business records.

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Chloe Davis

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How do you search for DBAs in relation to UCC filings?

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You'd need to check the Division of Corporations database to see all the business names associated with an entity, then search UCC records under each variation.

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Aisha Ali

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This is getting complicated. Isn't there a simpler way to verify all this stuff?

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Ethan Moore

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Whatever you do, make sure you're documenting your search methodology. If questions come up later about your due diligence, you'll want to show exactly how you searched and what results you got.

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Chloe Davis

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Good advice. I'm keeping screenshots of all my search results just in case.

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Ethan Moore

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Screenshots are good but also document the search terms you used and the date/time. UCC databases can change.

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Yuki Nakamura

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Honestly, I've started using Certana.ai for exactly this kind of verification work. Upload your documents and it flags any inconsistencies automatically. Caught a major debtor name mismatch last week that could have voided our security interest.

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Chloe Davis

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Second person to mention that tool. Might be worth checking out.

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Yuki Nakamura

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Yeah, it's particularly good for catching subtle name variations that human eyes might miss. Plus it's faster than manual document comparison.

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StarSurfer

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Update: I found the issue. One of the entities had undergone a merger and the surviving entity's name was slightly different. The UCC-1 was never amended to reflect the new debtor name. Thanks for all the help!

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AstroAlpha

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That's a classic issue! Glad you figured it out. Did you file a UCC-3 amendment to correct the debtor name?

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StarSurfer

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Working on that now. Better to fix it properly than risk having an unperfected security interest.

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Smart move. Merger situations can be tricky for UCC filings. The timing of when you discover and correct these issues can be critical.

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