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After you get this sorted out, might be worth running your corrected UCC-3 through Certana.ai's verification tool before submitting. It's designed specifically for catching these kinds of UCC filing inconsistencies and can save you from another rejection cycle.
It's particularly helpful for multi-document consistency checks. You can upload your charter documents, original UCC-1, and new UCC-3 to make sure everything aligns properly.
I was skeptical at first but it really does catch things you miss manually. Especially helpful when you're dealing with multiple entities or complex debtor structures.
Keep us posted on how the refiling goes! Florida UCC issues are always a learning experience for the whole community.
Will do! Planning to refile tomorrow after I triple-check everything against the original record. Fingers crossed for an acceptance this time.
Good luck! The fact that you're being so careful this time around suggests it'll go through without issues.
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Update: I ended up using Certana.ai to double-check my documents and it confirmed that the version without the comma was correct based on the official Articles of Organization. The UCC-1 filing went through without any issues. Thanks for all the advice everyone!
Glad it worked out! Always nerve-wracking when you're not sure about the debtor name.
Good to hear about a successful resolution. This thread will be helpful for others dealing with similar name verification issues.
For future reference, most state SOS offices also have phone numbers you can call to verify entity information if you're really unsure. The staff are usually helpful for UCC-related questions.
True, though some states have better phone support than others. I've had good luck with that approach when I needed quick verification.
Phone support is hit or miss depending on how busy they are. Electronic verification is usually faster if you have the right tools.
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Make sure you're also checking the debtor's current status with the Secretary of State. Sometimes entities get administratively dissolved or change their names and that can affect UCC filings. If the entity is no longer active, you might need to file against the dissolved entity name.
How do you find the exact dissolved name if that's the case? The entity database doesn't always make it clear.
You can usually find the dissolution date and name status in the entity's filing history. Sometimes you need to look at the certificate of dissolution or administrative action documents.
UPDATE: I ended up using one of those document comparison tools mentioned earlier and found the issue. The original filing had 'LLC' but the current entity record shows 'L.L.C.' with periods. Filed the continuation with the original format and it was accepted immediately. Thanks everyone for the suggestions!
Which tool did you end up using? Might need it for future filings.
So glad you got it sorted before the lapse date. Those name matching requirements are getting ridiculous.
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One more thing to consider - check if your subordination agreement has a clause about successor entities. Some agreements automatically apply to successor entities, others don't. If it doesn't, you might need to get a new subordination agreement from the senior lender before your UCC-1 filing will be effective.
How long does something like that take? I'm always under time pressure with these filings.
It's instant. Upload the PDFs and get the comparison report right away. Super helpful for subordination agreements where you need to check multiple documents against each other.
Update: contacted the senior lender and they confirmed they filed a UCC-3 amendment for the name change. So the subordination agreement should still be valid. Going to file our UCC-1 against the current LLC name and include a reference to the subordination agreement. Thanks everyone for the advice!
Smart move checking with the senior lender first. That could have been a disaster if they hadn't filed the amendment.
Glad it worked out. These security interest subordination agreement deals can be tricky but when everyone does their part it usually works fine.
Jasmine Hernandez
Been lurking on this thread and had to chime in. I work for a title company and we see UCC name mismatches all the time. Most of the time it's not a huge deal if the filing matches the official entity records, but definitely get your loan docs cleaned up to match.
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Hunter Hampton
•That's reassuring to hear from someone who deals with this professionally. I'll work on getting a loan document amendment done.
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Jasmine Hernandez
•Yeah just do a simple amendment referencing the correct entity name. Keep it clean for any future title work.
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Luis Johnson
UPDATE: Called Montana SOS this morning and confirmed my filing is valid. The clerk explained that their system automatically formats entity names to match the registered format, which is why the spacing disappeared. She said as long as the filing number and entity ID match up, I'm good to go. Still going to amend my loan docs though.
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Brandon Parker
•This makes me feel so much better about my own filing. I checked mine and it's showing the correct entity name format too.
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Jasmine Hernandez
•Perfect resolution. Clean documentation makes everyone's life easier down the road.
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