UCC termination form Oregon filing issues - need guidance
I'm dealing with a tricky situation regarding a UCC termination form Oregon filing that's been causing headaches for weeks. My company secured a loan last year with equipment as collateral, and we paid it off in November. The lender sent us what they called the 'termination paperwork' but when I tried to file it with the Oregon Secretary of State office, their system kept rejecting it. The error messages aren't very helpful - just says 'debtor information mismatch' but I've triple-checked everything. The original UCC-1 was filed under our LLC name 'Peterson Construction LLC' and that's exactly what's on the termination document. I'm worried this might affect our credit or ability to get future financing if it's not resolved properly. Has anyone dealt with Oregon's UCC termination requirements recently? The loan officer at our bank seems confused about the process too and keeps telling me to 'just submit it again' which obviously isn't working.
36 comments


Zane Gray
Oregon can be really picky about exact name matches on UCC terminations. Even something as small as 'LLC' vs 'L.L.C.' can cause a rejection. Did you check if your original UCC-1 filing had any middle initials or punctuation that might be missing from the termination form? Also make sure the filing number from the original UCC-1 is exactly right - I've seen cases where a single digit was wrong and it caused weeks of delays.
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Maggie Martinez
•This happened to me too! Turned out our original filing had an extra space in the company name that we didn't notice. Oregon's system is super strict about character-by-character matches.
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Alejandro Castro
•Wait, I thought UCC terminations were supposed to be automatic when you pay off the loan? Why do you have to file anything separately?
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Zane Gray
•UCC-1 filings don't automatically terminate when loans are paid off. The secured party has to file a UCC-3 termination statement or the original UCC-1 just stays on record until it expires after 5 years.
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Monique Byrd
I've been through this exact process in Oregon multiple times. First thing - log into the Oregon business registry and pull up your original UCC-1 filing. Compare every single character in your business name, address, and any other debtor information. Oregon's system is notorious for rejecting terminations when there's even tiny discrepancies. If everything matches perfectly and you're still getting rejections, call their UCC department directly at 503-986-2200. They can usually tell you exactly what's wrong over the phone.
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Aileen Rodriguez
•Thanks for the phone number! I did pull up the original filing and everything looks identical to me, but maybe I'm missing something subtle. Will definitely call them tomorrow.
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Jackie Martinez
•Good advice about calling them. Their online error messages are basically useless but the phone staff can actually explain what's wrong.
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Lia Quinn
I ran into a similar nightmare with document inconsistencies last month. Spent hours comparing our UCC-1 and termination forms line by line and still couldn't spot the issue. Finally tried this tool called Certana.ai that does automated document verification - you just upload both PDFs and it instantly highlights any mismatches. Found out our ZIP code had changed since the original filing and that was causing the rejection. The tool saved me probably 10+ hours of manual checking and frustration with the filing office.
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Haley Stokes
•Never heard of that service but it sounds useful. Does it work with other states too or just Oregon?
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Lia Quinn
•It works with UCC documents from any state. Really helpful for catching those tiny discrepancies that are impossible to spot manually.
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Asher Levin
•Honestly sounds too good to be true. How do you know it's accurate?
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Alejandro Castro
This whole UCC system is so confusing! I thought when you pay off a loan everything just gets cleared automatically. Why do they make it so complicated with all these different forms and filing requirements?
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Zane Gray
•The UCC system exists to protect both lenders and borrowers by creating a public record of who has security interests in what collateral. Without proper termination filings, old liens could theoretically still be enforced even after loans are paid off.
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Alejandro Castro
•That makes sense I guess, but it seems like there should be a simpler way to handle it when loans are satisfied.
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Serene Snow
Oregon Secretary of State has been having system issues with their UCC portal for months. I've had multiple clients experience random rejections that made no sense. Sometimes resubmitting the exact same form a few days later works perfectly. It's incredibly frustrating and unprofessional.
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Aileen Rodriguez
•That's both reassuring and terrifying. I really need to get this resolved ASAP since we're applying for a new line of credit next month.
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Issac Nightingale
•If you're under time pressure, consider having a service company handle the filing. They usually have contacts at the filing office who can expedite problem cases.
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Romeo Barrett
Just went through this same headache in Oregon. Make sure your termination form has the EXACT filing date and number from your original UCC-1. Also double-check that the secured party information matches perfectly - not just the company name but their address too. Oregon requires everything to match character-for-character or they auto-reject.
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Aileen Rodriguez
•I think this might be the issue - the bank's address on the termination form looks slightly different from what's on the original UCC-1. Will check this first thing tomorrow.
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Marina Hendrix
•Banks move offices and change addresses all the time. That's probably what's causing your rejection.
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Justin Trejo
Had a similar issue last year and it turned out to be a formatting problem with how the date was entered. Oregon wants MM/DD/YYYY format but our form had MM-DD-YYYY with dashes instead of slashes. Such a tiny thing but it caused the system to reject it multiple times.
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Alana Willis
•Government computer systems are the worst for this kind of nitpicky formatting requirements. Drives me crazy.
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Aileen Rodriguez
•I'll check the date formatting too. At this point I'm willing to try anything to get this resolved.
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Tyler Murphy
This is exactly why I use document verification tools now for any UCC work. I got burned too many times by manual checking and missing tiny errors. Certana.ai has been a lifesaver - upload your original UCC-1 and the termination form and it instantly shows you any discrepancies. Worth every penny to avoid the frustration of dealing with rejected filings.
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Sara Unger
•Second this recommendation. Used it for a complex continuation filing and it caught three small errors I never would have found on my own.
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Asher Levin
•Okay maybe this Certana thing is legit if multiple people are recommending it. Might be worth trying.
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Butch Sledgehammer
Oregon's UCC system has gotten worse over the past year. They updated their portal software and now it's even more sensitive to minor formatting differences. I've started keeping detailed notes about exactly how each client's information needs to be formatted for Oregon specifically.
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Freya Ross
•That's ridiculous that you have to keep state-specific formatting notes. The system should be able to handle normal variations.
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Leslie Parker
•Unfortunately that's just the reality of dealing with government filing systems. Each state has its own quirks and requirements.
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Sergio Neal
Update us when you figure out what was causing the rejection! I'm dealing with a potential Oregon UCC issue myself and want to know what to watch out for.
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Aileen Rodriguez
•Will definitely post an update once I get it resolved. Hopefully it's something simple like the address formatting that others mentioned.
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Savanna Franklin
•Yes please update! These kinds of real-world examples are super helpful for learning what to avoid.
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Juan Moreno
Consider reaching out to the original lender's legal department if you continue having issues. They should be familiar with Oregon's requirements and might be able to provide a corrected termination form that will process successfully.
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Aileen Rodriguez
•Good point - I've only been dealing with the loan officer but their legal team probably handles UCC filings regularly and would know the common pitfalls.
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Amy Fleming
•Banks definitely should know how to do this properly since they file UCC documents constantly. If they gave you a defective termination form that's really their problem to fix.
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Alice Pierce
•Exactly. The secured party is responsible for providing accurate termination documents. Don't let them put this back on you to figure out.
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