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DeShawn Washington

Agricultural lien UCC filing got rejected - debtor name issues

So I'm dealing with a nightmare situation here. We have this $380k equipment loan secured by farming equipment (tractors, combines, etc.) and our UCC-1 filing just got rejected by the Secretary of State office. The issue seems to be with the debtor name - the loan documents show 'Johnson Family Farms LLC' but apparently the state business registry has it as 'Johnson Family Farm, LLC' (with a comma). This is for an agricultural lien UCC and I'm freaking out because we need this perfected ASAP. The borrower is already using the equipment for spring planting season. Has anyone dealt with agricultural lien UCC filings where there's a slight name discrepancy like this? Do I need to refile with the exact name from state records or can I do an amendment? The rejection notice wasn't super clear about next steps.

Iowa Secretary of State has pretty good online resources for checking business entity names. I'd recommend pulling up their business entity search and using whatever name appears there exactly as formatted. Don't add or remove any punctuation.

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Yeah Iowa's system is user-friendly. Much better than some other states I've dealt with.

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The key is copying the name exactly as it appears in the state records. Even spacing matters sometimes.

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Ava Williams

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Hope you get this resolved quickly! Spring is such a busy time for farmers and you don't want the equipment financing issues to interfere with planting season. Keep us posted on how the refiling goes.

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Thanks everyone for the advice! I'm going to pull the exact business entity information from Iowa SOS and refile the UCC-1 today. Definitely learned my lesson about double-checking debtor names.

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Raj Gupta

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Good plan! And consider using some kind of verification tool going forward to catch these issues before filing. It's a real time-saver.

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Maggie Martinez

DC UCC-1 form keeps getting rejected - debtor name issues?

I've been trying to file a UCC-1 in Washington DC for weeks now and it keeps getting rejected. The collateral is medical equipment for a practice we're financing, about $180k worth. The debtor is an LLC and I'm getting different rejection codes each time I resubmit. First it was debtor name format, then it was the collateral description being too vague. I've checked the exact legal name against the Articles of Organization three times. Is there something specific about DC's system that I'm missing? The continuation deadline for our existing filing is coming up in 6 months and I need to get this new filing perfected before then. Has anyone dealt with DC's particular requirements recently?

Freya Ross

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Have you considered having someone else review your UCC-1 before filing? Sometimes a fresh set of eyes catches things you've been staring at too long. I use Certana.ai's verification tool now - it's like having an expert review without the consulting fees.

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That's the second mention of that tool. Might be worth trying if it can catch whatever I'm missing.

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Freya Ross

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Yeah it's pretty straightforward - just upload your entity docs and UCC form and it flags inconsistencies. Beats getting another rejection.

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Leslie Parker

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For what it's worth, I filed a DC UCC-1 last month for equipment financing and it went through on the first try. Used the exact entity name from their online database and made sure my collateral description was specific. Maybe try starting completely fresh instead of amending your rejected filing?

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Leslie Parker

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I used 'industrial manufacturing equipment and machinery' with serial numbers where available. Being specific definitely helped.

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Sergio Neal

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Starting fresh is good advice. Sometimes the system flags forms that have been rejected multiple times.

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Dylan Fisher

Harris County UCC Filings - Rejected Three Times for Debtor Name Issues

I'm at my wit's end here. Been trying to file a UCC-1 for our equipment financing deal and the Harris County clerk keeps rejecting it. This is my third attempt and I'm starting to panic because our loan closing is next week. The rejection notices keep saying 'debtor name does not match entity records' but I've triple-checked everything against the Secretary of State database. The business is 'Advanced Manufacturing Solutions LLC' on their charter documents, that's exactly what I put on the UCC-1. Anyone else having issues with Harris County UCC filings lately? Is there some specific formatting they want that I'm missing? I've done dozens of these in other counties without problems but this one has me stumped. The collateral description is straightforward - manufacturing equipment and fixtures at their facility. Really need to get this perfected before our funding deadline.

I had the same issue with a Harris County UCC filing and it turned out to be a spacing problem. The entity name in their system had double spaces between words but I was using single spaces. Try looking at the exact formatting in their corporate database - sometimes it's tiny details like that.

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Dylan Fisher

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Spacing issues - that's something I definitely wouldn't have thought to check. I'll look at the exact character-by-character formatting in their records. These systems are so finicky about minor details.

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Edwards Hugo

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It's ridiculous that spacing can cause rejections but I've seen it happen. The automated matching systems are very literal about formatting.

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UPDATE: I used that Certana.ai tool someone mentioned and found the problem! The entity's charter shows 'Advanced Manufacturing Solutions, LLC' with a comma before LLC, but I've been filing it as 'Advanced Manufacturing Solutions LLC' without the comma. Such a tiny detail but that's what was causing all the rejections. Just resubmitted with the correct formatting and it went through immediately. Thanks everyone for the suggestions!

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Sydney Torres

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Great resolution! This thread will definitely help other people having similar Harris County UCC filing issues. The comma thing is probably more common than we realize.

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Ellie Perry

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This is exactly why I always copy and paste entity names directly from official records instead of typing them out. Saves so much hassle with formatting issues.

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Amina Diop

UCC financing statement amendment termination - filed wrong form, need urgent help

Major mess up here and I'm panicking. Filed a UCC-3 amendment last month trying to modify collateral description on our equipment loan, but I think I accidentally checked the termination box instead of amendment. The filing went through and now shows as terminated in the system. Our lender is furious because they think we released their lien without authorization. The original UCC-1 was for $850k in manufacturing equipment and this could void our entire loan agreement. Has anyone dealt with a situation where you filed the wrong type of UCC-3? Can this be reversed or do we need to start over with a new UCC-1? The equipment is still under lien and we absolutely did not intend to terminate anything.

I tried that Certana tool someone mentioned after reading this thread. Uploaded my pending UCC-3 continuation and it immediately flagged that I had the wrong debtor name format. Would have caused a rejection and missed my continuation deadline. Really glad I caught that before filing.

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Yuki Yamamoto

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How accurate is the name checking? Our debtor names are always tricky with multiple entities.

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It cross-referenced against our original UCC-1 and caught subtle differences in entity name formatting that I never would have noticed.

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Carmen Ortiz

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This whole situation shows why UCC filings need professional review before submission. Too much at stake for simple checkbox errors.

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Agreed but professional review adds time and cost to every filing. There's got to be a middle ground.

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Zoe Papadakis

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Automated checking tools seem like that middle ground - professional-level review without the delay and expense.

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Isabella Ferreira

UCC filing fees Texas - confused about total costs for continuation

Getting really frustrated trying to figure out the actual UCC filing fees Texas charges for a continuation filing. Our UCC-1 expires in March and I'm trying to budget for the UCC-3 continuation but the SOS website is confusing me. It shows $15 for the base filing but then mentions additional fees for extra pages or amendments. My collateral description runs long so I'm worried about page count. Has anyone filed a continuation recently in Texas? What did you actually pay total? I called the office but got transferred three times and still no clear answer on whether my continuation will need multiple pages or if there are other hidden fees I should expect.

NeonNova

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My experience with Texas UCC filing fees: paid $15 for my continuation last year, no extra charges. The key is keeping your collateral description concise and making sure your debtor information matches exactly. I spent more time double-checking my forms than filling them out, but it was worth it to avoid any rejections.

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That's encouraging! How long did it take to get confirmation that your filing was accepted?

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NeonNova

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About 2 days. I got an email confirmation and could see the updated filing in the online system. The Texas SOS electronic filing system is actually pretty efficient once you get the hang of it.

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Yuki Tanaka

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Budget $15 for your continuation unless you know you'll need additional pages or expedited processing. The Texas SOS fee schedule is $15 base + $5 per additional page + $25 for expedited processing if needed. Most continuations are just $15 if you're organized about it. Focus more on getting your paperwork right than worrying about the fees.

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Yuki Tanaka

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Smart approach. The fees are reasonable, it's the potential for rejection and refiling that gets expensive. Take your time and double-check everything before submitting.

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Carmen Diaz

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Totally agree. I've saved hundreds in avoided rejection fees just by being more careful with my initial filings. The $15 is nothing compared to the hassle and cost of fixing mistakes later.

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