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Mei Chen

UCC1-304 debtor name issue causing filing rejections - need guidance

I'm dealing with a nightmare situation where our UCC-1 keeps getting rejected due to what seems like a UCC1-304 debtor name compliance issue. We're trying to perfect a security interest in manufacturing equipment for a $850K credit facility, but the Secretary of State keeps bouncing our filing back. The debtor is an LLC that recently amended their articles, and I think there's a mismatch between what we have on file versus their current legal name. The original credit agreement shows one version of the name, but their state registration shows something slightly different with punctuation. This is holding up the entire loan closing and my client is getting frustrated. Has anyone dealt with UCC1-304 name matching requirements recently? I'm not sure if I should refile with the exact name from their current articles or stick with what's in our loan docs. The continuation deadline is coming up in 8 months and I don't want this to turn into a bigger mess.

One more thought - if this is holding up your loan closing, you might want to consider filing a protective UCC-1 with the name you're confident about, then amending it later if needed. At least you'd have a filing date locked in.

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For a debtor name error, you'd typically need to file a new UCC-1. An amendment might not cure a seriously misleading debtor name.

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Liam Sullivan

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Be careful with that approach. If the original filing is seriously misleading due to the wrong debtor name, a new filing might be safer.

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Paolo Conti

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Update us when you get it resolved! Always curious to hear how these UCC1-304 name issues get sorted out. It's such a common problem but each situation seems to have its own quirks.

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Mei Chen

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Will do! I'm going to call Delaware tomorrow morning and get the official name, then refile. Hopefully that does the trick.

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Paolo Conti

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Good luck! I'm sure it'll work out once you have the exact name from the state records.

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Salim Nasir

Wyoming UCC filing rejected - debtor name mismatch issue

Has anyone dealt with Wyoming UCC-1 filings getting rejected for debtor name issues? I submitted a continuation last week and it got bounced back with a rejection notice saying the debtor name doesn't match their records. The original UCC-1 was filed 3 years ago and I'm using the exact same business name from our loan documents. Wyoming's online portal shows the original filing but when I compare the names character by character, I can't spot any difference. This is for a equipment financing deal and the lien is set to lapse in 45 days if I can't get this continuation through. Anyone know what Wyoming's specific requirements are for debtor name matching? Their rejection notice wasn't very helpful - just said 'debtor name does not match filing records' with no details about what's wrong.

Kyle Wallace

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Wyoming rejected my UCC-1 termination last month for a similar name issue. Turned out the problem was that the original filing had 'Co.' and I was using 'Company' on the termination. These state systems are so picky about abbreviations too.

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Salim Nasir

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That's exactly the kind of detail that's easy to miss. I'll be extra careful about any abbreviations in the business name.

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Ryder Ross

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Abbreviations are the worst! Every state seems to handle them differently too.

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Update us when you get it resolved! I'm curious what the actual issue turns out to be. These Wyoming name matching problems seem to be getting more common lately.

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Henry Delgado

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Good luck! Dealing with UCC rejections is never fun, especially with tight deadlines.

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Olivia Kay

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Hope you get it sorted out quickly. Keep us posted on what works!

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Maya Jackson

New York UCC Lien Search - Debtor Name Mismatch Blocking Results

Running into issues with a New York UCC lien search that's driving me crazy. We're trying to verify existing liens on a commercial borrower before finalizing a secured loan, but the search results keep coming back inconsistent. The debtor's legal name on their articles of incorporation shows 'Metroplex Solutions LLC' but our UCC-1 search in NY's database returns partial matches for 'Metroplex Solutions, LLC' (with comma) and 'Metro-Plex Solutions LLC' (with hyphen). We need to know if there are existing UCC filings that would take priority over our security interest. The loan officer is breathing down my neck because closing is supposed to happen Friday. Has anyone dealt with NY's search system being this finicky about punctuation and spacing in debtor names? I'm worried we're missing critical liens that could affect our collateral position.

Eva St. Cyr

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NY really needs to update their UCC search system to handle name variations better. Other states have much more intelligent search algorithms that catch obvious variations automatically.

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Libby Hassan

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Completely agree. It's 2025 and their system still can't handle basic name variations. So frustrating.

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Eva St. Cyr

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Delaware and Texas have much better search systems. NY feels like it's stuck in the 1990s.

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For future NY UCC lien searches, I always create a checklist of name variations to try: legal name, legal name with comma, without comma, with periods, without periods, with hyphens, without hyphens, abbreviations like 'Corp' vs 'Corporation', etc. Takes time but prevents missed liens.

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Also include any DBAs or trade names in your checklist. Those get overlooked frequently but can have UCC filings against them.

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Kaitlyn Otto

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Smart approach. Documentation is key for showing you did thorough due diligence.

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Rachel Clark

UCC North Carolina search showing different debtor name - filing validity concerns

Running into a major headache with a UCC North Carolina search discrepancy. Filed a UCC-1 last month for equipment financing on a trucking company, but when I pull up the search results the debtor name appears slightly different than what we have on our loan docs. Original filing shows 'Mountain Ridge Logistics LLC' but our credit agreement lists 'Mountain Ridge Logistics, LLC' with the comma. The search engine seems to be treating these as potentially different entities. Our compliance team is freaking out because this could affect our perfected security interest if there's a name mismatch. Has anyone dealt with similar debtor name variations in NC? The SOS portal accepted the original filing without rejection, but now I'm worried we might have a gap in our lien position. This is a $180K equipment loan so the stakes are pretty high if we're not properly secured.

Before you file an amendment, I'd suggest calling the NC SOS UCC division directly. They can sometimes clarify whether a name variation like this would actually affect your perfection. Might save you the amendment fee if it's not necessary.

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I don't have it memorized but it should be on their website under the UCC division contacts.

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I called them about a similar issue once and they were actually really helpful. Definitely worth a try before spending money on an amendment.

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Alexis Renard

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Update us on what you find out! I'm curious whether this ends up being a real issue or just a display quirk. Seems like something that could affect a lot of filers if it's a systematic problem with how NC handles punctuation.

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Rachel Clark

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Will definitely update once I get more info. Hoping it's just a display issue but want to be thorough.

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Yeah please keep us posted. This kind of thing is exactly why I'm always nervous about electronic filings.

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Eli Butler

UCC lien filing bizfile california - debtor name verification nightmare

Been wrestling with a UCC lien filing bizfile california situation for weeks now. My client's equipment financing deal is stuck because the SOS rejected our UCC-1 three times - each time citing debtor name discrepancies with their bizfile records. The equipment manufacturer requires perfected security interest before delivery next month. We've tried matching the exact business name from their Articles of Incorporation, then tried the DBA variation, even attempted the federal tax ID registered name. Each filing gets bounced back with different explanations about name matching requirements. The collateral schedule is solid (specific equipment serial numbers, model descriptions) but can't get past this bizfile name verification hurdle. Anyone dealt with similar UCC lien filing bizfile california rejections? Starting to wonder if there's something in their system causing automatic rejections when cross-referencing bizfile data. This $847K equipment deal is hanging in the balance and my client is getting impatient about the delays.

Tony Brooks

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Are you using the correct entity type designation? Sometimes California expects 'Limited Liability Company' spelled out instead of 'LLC' or vice versa, depending on how it was originally filed in bizfile.

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Tony Brooks

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Bizfile sometimes stores both versions, and UCC system might expect whichever one was used in the most recent filing. Worth checking which format appears first in bizfile search results.

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This happened to me too. Client's Articles said 'LLC' but they'd filed an amendment using 'Limited Liability Company' and UCC system wanted the amendment version.

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Yara Campbell

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UPDATE: Finally got our filing accepted! Turned out the issue was a single character difference - bizfile had 'SERVICES' but we were using 'SERVICE' (no S). The rejection messages never indicated this level of detail. Thanks everyone for the suggestions, especially about using document verification tools to catch these tiny discrepancies.

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Sofia Price

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Perfect example of why document verification tools are worth using. Would have caught that 'SERVICE' vs 'SERVICES' difference immediately and saved weeks of back-and-forth.

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Eli Butler

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Exactly! Will definitely be using better verification processes for future filings. Can't believe such a small typo held up an $847K deal for three weeks.

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