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Pro tip: download a copy of every original UCC-1 before you start preparing terminations. I keep them in a folder labeled by debtor name so I can reference the exact formatting. Also helps if you need to pull filing dates or other details later.
Smart organization system. I should probably get better about record keeping like this.
It takes a little extra time upfront but saves hours later when you're doing terminations or continuations.
Just wanted to follow up on this thread since it helped me with a similar issue. Used the document verification approach and got all 12 of my terminations accepted on first try. The key really is getting those debtor names exactly right. Thanks everyone!
Love seeing success stories. This thread turned out to be really helpful for a lot of people it seems.
StarSeeker
•Glad the document checker worked out for you too. It's become my go-to tool for any UCC filings now.
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PixelPioneer
Quick question - are you filing the UCC-1 directly or through your bank? Sometimes banks have specific formatting requirements that differ from the state's exact match rules.
CyberSamurai
•Filing directly through Kentucky's online portal. Bank just provided the signed UCC-1 form.
That's good - at least you have control over the formatting. When banks file for you, sometimes they use their own templates that cause issues.
Paolo Rizzo
UPDATE: Called Kentucky SOS this morning and they confirmed it was a punctuation issue - they wanted 'Mountain Valley Equipment, LLC' with the comma. Refiled and got accepted within 2 hours. Thanks for all the advice!
Mei Liu
•Told you it was probably punctuation! At least now you know for future filings.
Great outcome. I'm definitely going to start being more careful about exact name formatting after reading this thread.
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Last week I had to file a UCC-3 amendment just to correct a debtor name that had been wrong on the original UCC-1 for two years. Nobody caught it until the loan was being renewed. Cost the client extra fees and delayed their funding. These name issues can have real consequences down the road.
Sean Kelly
•How did you handle the gap period where the name was wrong? Was the lien still perfected?
Had to do some legal research on that. Fortunately the error was minor enough that it probably wouldn't have affected perfection, but the amendment was still the right thing to do.
This thread convinced me to double-check a UCC-1 I was about to file. Good thing too - I had "ABC Corp" but the state database shows "ABC Corporation". Would have been rejected for sure. Thanks for the heads up everyone!
Luca Russo
•Perfect example of why these discussions are helpful. Glad you caught it before filing!
Zara Mirza
•That's exactly the kind of error that's easy to miss but guaranteed to cause a rejection. Corp vs Corporation is a common one.
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Marcus Marsh
Update us when you get it resolved! I'm dealing with a similar Delaware termination issue and curious what solution works for you.
Will do! Going to pull the exact record from Delaware's database and compare character by character before the next attempt.
Good luck! Delaware rejections are the worst but once you match their format exactly it usually goes through.
Cedric Chung
One more tip - make sure your UCC-3 termination form is the current Delaware version. They update their forms periodically and will reject filings on outdated forms even if all the information is correct.
Cedric Chung
•Yes, Delaware Division of Corporations website has all current UCC forms. Always download fresh rather than using saved copies from previous filings.
This is why UCC filings are so frustrating. Every state has different requirements and they change the rules without notice.
Ravi Sharma
This whole thread is making me paranoid about my own filings. I always assumed if the SOS portal accepted the UCC then the debtor name was fine. Apparently that's not necessarily true?
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Ravi Sharma
•Well that's terrifying. How many of my filings might have name issues I don't even know about?
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Paolo Ricci
•This is exactly why document verification tools exist - to catch these issues before they become problems. Better to find out now than during a foreclosure proceeding.
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Freya Thomsen
Update us on what you decide to do. I'm curious whether you go with the amendment approach or decide to refile entirely. Either way, this is a good reminder for all of us to be more careful with debtor name verification upfront.
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Zainab Ismail
•Will definitely post an update. Leaning toward the UCC-3 amendment to add the charter name while keeping the original filing active.
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GalaxyGuardian
•That's probably your safest bet. Covers all your bases without losing priority.
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