why did i receive a florida ucc statement service termination request form

We definitely still owe about $180k on that equipment. Should I call the lender first or respond to the termination service directly?

Call your lender immediately. They should be handling any UCC terminations, not a third-party service. Something doesn't add up here.

How do I check the Florida database? I tried looking online but couldn't find anything obvious.

Go to dos.myflorida.com and look for UCC search. You'll need your exact business name as it was registered in Florida.

This is exactly why I always recommend keeping track of all your UCC filings in a spreadsheet. Too many businesses lose track of what's active.

That sounds exactly like what might be happening to us. How does that verification tool work?

You just upload PDFs of your loan agreements and any UCC documents you have. It automatically checks if the debtor names match, filing numbers are consistent, and catches any discrepancies that could cause problems. Really straightforward.

Never heard of Certana but that sounds useful. We've had so many name changes and amendments over the years I can barely keep track.

Our business name is slightly different in Georgia - we dropped 'LLC' and added 'Inc' at the end. Could that be causing issues?

Absolutely! Debtor name mismatches are one of the biggest causes of UCC filing problems. Even small changes like LLC vs Inc can invalidate filings if not handled properly.

This is why I always tell people to run document checks when they make any business changes. One small name discrepancy can void your entire security interest.

Not necessarily. It depends on where your collateral is located and what your loan agreements say. Each situation is different.

Great, another thing to worry about. Why is business relocation so complicated?

That's exactly why I mentioned the Certana verification tool earlier. When we were planning our move, I uploaded all our docs first to see what discrepancies existed before talking to lawyers. Much cheaper than paying attorney fees to sort through everything.

It does seem weird now that you mention it. The form is pretty basic and doesn't reference our loan number or anything specific.

Red flag right there. Real terminations reference specific filing numbers, original filing dates, and usually require notarized signatures.

I got burned by something similar. Paid $450 to some service that promised to 'clean up' my UCC filings. Turned out they just filed a bunch of unnecessary amendments.

Regular mail, just showed up in our mailbox yesterday.

Yeah, that's another red flag. I'd ignore it and contact your lender directly.

Oh wow, that's exactly what I was worried about. Definitely calling our lender first thing Monday morning.

Smart move. Also document everything - dates, times, who you talked to. UCC issues can drag on forever if you don't have good records.

This is why I keep digital copies of every UCC document. Had to prove a filing was bogus last year and having the original PDFs saved me.

How would I know if they filed new UCC-1s in Georgia? Should I check the Georgia SOS database too?

Definitely. Check both states to see what's active under your old and new business names.

I used Certana's tool for exactly this situation. Uploaded our loan docs and it flagged that we had UCC-1s in two different states with slightly different debtor names. Helped us clean everything up before it became a problem.

Good point. I was starting to panic but you're right - verify first, panic later if needed.

Exactly. Most UCC problems have straightforward solutions once you get the facts straight.