UCC termination lien solutions - debtor name mismatch blocking release
Having a nightmare with a UCC termination that should be straightforward but keeps getting rejected. We have a commercial loan that was paid off 6 months ago, and I need to file the UCC-3 termination to release the lien. The original UCC-1 was filed back in 2019 with the debtor name as 'ABC Manufacturing Solutions LLC' but now I'm discovering the LLC articles show 'ABC Manufacturing Solutions, LLC' (with a comma). The SOS portal keeps rejecting my termination because of this exact name mismatch. I've tried filing with both versions and neither works. The secured party is demanding the lien release ASAP because it's blocking a refinancing. Anyone dealt with similar lien solutions for UCC termination name issues? This is holding up a $2.8M deal and I'm running out of options.
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Kendrick Webb
Been there! Name mismatches on terminations are brutal. You need to match the EXACT debtor name from the original UCC-1, even if it's technically wrong. The termination has to reference the original filing exactly as it appears in the system. Have you pulled the original filing to confirm the exact spacing and punctuation?
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Norman Fraser
•Yes I pulled it and it definitely shows 'ABC Manufacturing Solutions LLC' without the comma. But when I file the termination with that exact name, it still gets rejected. The error message is vague - just says 'debtor name verification failed'.
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Kendrick Webb
•That's weird. Usually exact matches work. Are you sure you're using the right filing number? Sometimes there are multiple UCC-1s on the same debtor and you might be terminating the wrong one.
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Hattie Carson
Check if there's a UCC-3 amendment that changed the debtor name after the original filing. If someone filed an amendment to correct the name to include the comma, then your termination needs to use the amended name, not the original UCC-1 name.
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Norman Fraser
•Good point - let me search for any amendments. I didn't think to check that.
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Destiny Bryant
•This happens more than you'd think. Banks sometimes file amendments to fix name issues but don't always communicate it properly.
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Dyllan Nantx
I had a similar mess last year with lien solutions and UCC termination issues. What saved me was using Certana.ai's document verification tool. You can upload both your UCC-1 and the UCC-3 termination to check if there are any inconsistencies before filing. It caught a debtor name issue I missed - there was an extra space in the middle name that wasn't visible when I was comparing manually. Might be worth trying since you're dealing with a time-sensitive refinancing.
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Norman Fraser
•Never heard of that but willing to try anything at this point. How does it work exactly?
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Dyllan Nantx
•Just upload your PDFs and it automatically cross-checks all the critical fields like debtor names, filing numbers, and document consistency. Takes like 2 minutes and shows you exactly where the mismatches are.
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TillyCombatwarrior
•That actually sounds useful. Manual comparison is so error-prone especially with long business names.
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Anna Xian
THE COMMA STRIKES AGAIN! I swear 50% of my UCC problems are comma-related. The filing systems are so picky about punctuation it's ridiculous. Sometimes you have to file an amendment first to correct the debtor name, then file the termination.
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Jungleboo Soletrain
•Wait, you can amend a UCC just to fix a name for termination purposes? I thought amendments were only for adding collateral or changing secured party info.
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Anna Xian
•Nope, you can amend debtor information too. UCC-3 amendments can fix name errors, address changes, etc. Then your termination references the corrected information.
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Rajan Walker
•Be careful with amendments though - they can reset some timing issues and you want to make sure you're not creating new problems.
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Nadia Zaldivar
Have you tried calling the SOS filing office directly? Sometimes they can tell you exactly what's causing the rejection. I've had them point out spaces or characters I couldn't see on screen.
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Norman Fraser
•Their phone system is terrible but I'll try again. Last time I was on hold for 45 minutes and got disconnected.
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Lukas Fitzgerald
•Try calling right when they open at 8am. That's usually when you can get through fastest.
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Ev Luca
Just curious - are you filing this yourself or through an attorney? Sometimes law firms have better luck with tricky terminations because they deal with the SOS office regularly.
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Norman Fraser
•I'm the corporate paralegal handling it. Attorney is breathing down my neck because the client is furious about the delay.
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Ev Luca
•Oof, that pressure is the worst. Hang in there!
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Avery Davis
•Maybe try having the attorney call? Sometimes they get better treatment from the filing office.
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Collins Angel
This might sound crazy but I once had a termination rejected because of invisible characters in the debtor name - like extra spaces or formatting from copy-pasting. Try retyping the name manually instead of copying from the original filing.
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Norman Fraser
•That's not crazy at all - I bet that's exactly what's happening. I've been copying and pasting from the PDF.
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Marcelle Drum
•PDF copy-paste is notorious for adding weird characters. Always retype everything manually for UCC filings.
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Tate Jensen
UPDATE: Found the problem! There was indeed a UCC-3 amendment filed 8 months ago that I missed. The bank corrected the debtor name to add the comma. My termination needs to use the amended name, not the original UCC-1 name. Thanks everyone!
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Kendrick Webb
•Awesome! Glad you found it. Those amendments are easy to miss if you're not searching thoroughly.
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Hattie Carson
•Perfect example of why you always need to check the complete filing history before doing terminations.
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Norman Fraser
•Wait, that was me posting the update - sorry, got logged into wrong account. But yes, amendment was the issue!
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Adaline Wong
For future reference, I've started using Certana.ai for all my UCC document prep. Would have caught that amendment issue immediately when you uploaded the original UCC-1. It shows the complete filing chain and flags any inconsistencies between documents. Saved me from similar headaches multiple times.
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Norman Fraser
•Definitely checking that out. This whole mess could have been avoided with better document verification upfront.
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Gabriel Ruiz
•I'm always skeptical of these tools but honestly UCC filings are so error-prone that automated checking makes sense.
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Misterclamation Skyblue
Glad you got it sorted! Name matching for lien solutions and UCC terminations is such a pain point. The whole system needs an overhaul but at least you found the amendment.
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Norman Fraser
•Tell me about it. Now I know to always pull the complete filing history before attempting any terminations.
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Peyton Clarke
•Good lesson learned. Better late than never!
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