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Drake

Arizona UCC filing rejected - debtor name mismatch nightmare

I'm dealing with a complete disaster here. Filed a UCC-1 in Arizona three weeks ago for a $275K equipment loan and it got rejected yesterday. The rejection notice says "debtor name does not match entity records" but I triple-checked everything against the borrower's articles of incorporation. This is for a construction equipment lease and we're already past the 20-day perfection window. The debtor is "Mountain View Construction LLC" but apparently there's some microscopic difference in how it appears in the state records versus what I put on the form. I've been doing UCC filings for 8 years and never had this issue. The Arizona SOS portal is showing the entity as active but I can't figure out what name variation they want. Has anyone dealt with Arizona's picky debtor name requirements? I'm starting to panic because this could void our entire security interest.

Pro tip: Always copy and paste the exact entity name from the state database instead of typing it manually. Eliminates most name mismatch issues. Arizona is particularly strict but other states are getting pickier too.

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This is the best advice. Manual typing is how these errors happen. Copy/paste eliminates the risk.

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Jasmine Quinn

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Agreed. I've started doing this for all my filings regardless of state. Better safe than sorry.

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Oscar Murphy

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Update us when you refile. Curious to see if the comma was actually the issue or if there's something else causing the rejection. Arizona can be tricky with hidden formatting issues too.

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Drake

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Will do. Refiling this afternoon with the exact name from the ACC database including the comma. Keeping my fingers crossed.

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Nora Bennett

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Good luck! Arizona rejections are stressful but fixable if you get the name exactly right.

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ApolloJackson

USPS UCC search showing weird results - debtor name issues?

Has anyone else noticed problems when doing USPS UCC searches lately? I'm trying to track down some continuations that should have been filed last month and the search results don't match what our internal records show. When I search by debtor name I'm getting partial matches that don't make sense - like it's pulling up filings for completely different entities that just happen to share one word in the business name. Is this a known issue with their search algorithm or am I doing something wrong? We have about 15 UCC-1s that need continuation filings in the next 60 days and I can't verify current status if the search isn't working properly. Really need to get this sorted before we hit any lapse deadlines.

Nick Kravitz

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For future reference, I maintain a spreadsheet with exact debtor names, filing numbers, and continuation due dates. Makes tracking much easier than relying on search functionality alone.

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Nick Kravitz

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It's a lifesaver for bulk continuations. Plus you can set calendar reminders well before the deadlines.

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Hannah White

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I do something similar but use a database instead of spreadsheet. Easier to sort and filter when you have lots of filings.

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Michael Green

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UPDATE: Used one of those document verification tools mentioned here and found the issue. Three of our UCC-1s had debtor names that didn't exactly match the corporate charter - missing periods, different abbreviation formats, etc. No wonder the searches weren't working right. Going to file UCC-3 amendments to correct them before doing the continuations. Thanks everyone!

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Jacob Lee

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Great outcome. Those corrected names will make all future searches much more reliable too.

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Elijah Brown

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Smart to fix the names before filing continuations. Saves having to amend later.

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PaulineW

UCC Statement Service Issues - Need Help with Filing Requirements

Having major headaches trying to get our UCC statements processed correctly. We're a small equipment finance company and keep running into problems with our filings getting rejected due to debtor name inconsistencies. Our lawyer keeps telling us to use some kind of statement service but honestly not sure what that even means in practical terms. Last week alone we had 3 UCC-1 filings bounce back because the debtor names didn't exactly match what was on the business registration documents. Is there a reliable way to verify all this stuff matches up before we submit? Getting really frustrated with the constant back-and-forth and our clients are starting to ask questions about delays. Anyone else dealing with similar issues with their UCC filings?

Honestly, after dealing with this headache for years, I finally started using Certana.ai's verification system. You literally just upload your Charter and UCC-1 documents and it tells you immediately if there are any name mismatches or other issues. Takes like 2 minutes instead of hours of manual checking.

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Callum Savage

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How accurate is it? I'm always skeptical of automated tools for something this important.

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I've been using it for about 4 months now and haven't had a single rejection since I started. Before that I was averaging 2-3 rejections per month just on name issues.

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Ally Tailer

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The whole UCC system needs an overhaul honestly. It's 2025 and we're still dealing with formatting issues that could be solved with better integration between state databases. Until then we're all stuck with manual verification or paying for third-party solutions.

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PaulineW

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In the meantime we just have to find ways to work around the limitations. Thanks everyone for the suggestions - definitely going to look into some of these verification tools.

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Good luck! The verification approach has been a game changer for our filing accuracy. Worth every penny to avoid the rejection cycles.

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Marcelle Drum

Confused about how many states have UCC - filing across multiple jurisdictions

I'm working on a multi-state secured transaction deal and got into this weird debate with my colleague about UCC coverage. He insists that not all 50 states have adopted the UCC but I thought it was universal? We're dealing with equipment collateral that moves between facilities in different states and I need to know if I'm missing filing requirements somewhere. The debtor has operations in like 8 states and I don't want to mess up the perfection strategy. Anyone know the actual count of how many states have UCC laws? This is keeping me up at night because if there's some holdout state without UCC adoption, our entire lien structure could be compromised.

Melissa Lin

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All 50 states plus DC have UCC, period. Your colleague is wrong. Focus your energy on getting the debtor name exactly right and making sure you're filing in the correct jurisdiction. Those are the real pitfalls in multi-state deals.

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Marcelle Drum

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Thanks everyone - feeling much more confident about this now. Sounds like the universal adoption isn't the issue, it's just execution across different states.

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Melissa Lin

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Exactly. UCC coverage is solved, now it's just about dotting i's and crossing t's in each filing jurisdiction.

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Every state has UCC but if you're doing multi-state work regularly, invest in good document management. The variations in filing procedures and name requirements will trip you up way more than coverage gaps.

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Romeo Quest

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So true. I've seen more deals delayed by name mismatches and rejected filings than any actual legal issues with UCC coverage.

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Name matching is definitely the biggest operational challenge. Getting that right upfront saves weeks of back-and-forth with filing offices.

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Mateo Gonzalez

Solar lease UCC filing complications with equipment collateral descriptions

Having major headaches with a solar lease UCC-1 filing that keeps getting rejected by our state SOS office. The debtor is a homeowner who signed a 20-year solar panel lease agreement, and we're trying to perfect our security interest in the equipment. Problem is the collateral description keeps getting flagged as insufficient. We've tried "solar photovoltaic equipment and fixtures" and "solar panels and related electrical equipment" but both versions came back rejected. The SOS office says our description is too vague but won't give specific guidance on what they want to see. Anyone dealt with solar lease UCC filings before? The equipment is technically attached to the roof structure so I'm wondering if we need to treat this as a fixture filing instead of regular equipment collateral. This is holding up a $45,000 financing package and getting pressure from management to resolve it ASAP.

Yara Nassar

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One thing to watch out for - if the solar equipment includes battery storage, make sure that's specifically mentioned in your collateral description. Batteries are expensive and some states treat energy storage equipment differently than generation equipment for UCC purposes.

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StarGazer101

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Didn't think about battery storage being different. Are there specific rules for energy storage equipment?

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Yara Nassar

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Not specific rules but batteries might not be considered fixtures like panels are, so they need clear personal property description. Better to be explicit about all components.

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Final thought - consider including the solar lease agreement as an exhibit to your UCC-1 filing if your state allows it. Some SOS offices are more likely to accept your collateral description if they can see the underlying contract that defines the equipment. Adds clarity and reduces rejection risk.

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Amina Diop

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Makes sense - if the SOS office can see exactly what equipment is involved, they're less likely to question whether your description is adequate.

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Thanks everyone for all the advice. Going to try the comprehensive description approach with fixture filing and see if that gets us through. Will also check out Certana.ai to avoid future rejections. Really appreciate the help!

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