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Carmen Lopez

UCC search wyoming debtor name verification issues

Running into problems with a UCC search wyoming situation where the debtor names don't match between our loan docs and what's showing up in the state database. We have a construction equipment loan from 2023 and when I search the Wyoming SOS portal, the debtor company name appears slightly different than what we have on file. Original UCC-1 shows 'Mountain Ridge Construction LLC' but our loan agreement has 'Mountain Ridge Construction, LLC' with the comma. The collateral is heavy equipment worth about $180K so this isn't a small issue. Has anyone dealt with Wyoming's specific requirements for exact name matching? I'm worried this could void our security interest if there's a discrepancy. The filing number is valid but I'm concerned about enforceability with the name variation.

Zainab Ismail

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Construction companies change their entity status pretty frequently too, so make sure the LLC is still active and hasn't converted to a corporation or something.

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Carmen Lopez

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Good catch, I'll verify the entity status is still current.

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Yeah, I've seen companies dissolve and reform under slightly different names. Always worth checking.

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Update us on how the amendment goes! Always curious about Wyoming processing times and whether they give any feedback on the name correction.

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Carmen Lopez

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Will do! Planning to file electronically tomorrow morning.

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Yara Nassar

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Electronic filing in Wyoming is pretty smooth. You should get confirmation within a few days.

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Giovanni Martello

dallas ucc search showing wrong debtor name on continuation - filing rejected twice

Having a nightmare with a dallas ucc search that's coming back with incorrect debtor information. Filed a UCC-3 continuation back in November and it got rejected because the debtor name on our original UCC-1 from 2020 apparently doesn't match what's showing in the current search results. The SOS system is showing 'MIDWEST MANUFACTURING LLC' but our loan docs and original filing clearly show 'MIDWEST MANUFACTURING, LLC' (with the comma). Second attempt also rejected for the same reason. This continuation deadline is February 15th and I'm getting panicked. Has anyone dealt with this kind of debtor name mismatch issue in Texas? The original UCC-1 was accepted fine 5 years ago, so why is it suddenly a problem now? Need to figure out if I should amend the original filing first or if there's another way to handle this continuation without starting over completely.

Kaitlyn Otto

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This happened to me with a fixture filing last year. The debtor name had a period after 'Inc' on the original but I filed the continuation without the period. Rejected immediately. Texas SOS doesn't mess around with these details anymore.

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Axel Far

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Fixture filings are even worse because you have to get the real estate description perfect too.

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Kaitlyn Otto

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Tell me about it. Double the opportunities for rejection!

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UPDATE: Following everyone's advice, I pulled the original UCC-1 and you're all absolutely right - the filed version shows 'MIDWEST MANUFACTURING, LLC' with the comma, but somehow the search results are displaying it without. Filed the amendment this morning to correct the search display issue. Fingers crossed this resolves it in time for the continuation deadline. Will report back on how it goes. Thanks everyone!

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Sophia Carter

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Good move filing the amendment right away. Should give you enough time if it processes normally.

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Libby Hassan

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Glad you got it sorted! Definitely consider using a document checker like Certana.ai for future filings to catch these issues upfront.

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Nathaniel Stewart

UCC filing verification through texas secretary of state business search - name matching issues

Running into problems with UCC-1 filings where the debtor names don't exactly match what shows up in the Texas Secretary of State business search results. We're financing equipment for a construction company and their legal name in the SOS database shows as 'ABC Construction Services, LLC' but our loan docs have them as 'ABC Construction Services LLC' (no comma). Filed the UCC-1 with the comma version to match SOS records, but now I'm second-guessing whether that was right since our security agreement uses the no-comma version. The filing went through without rejection, but I'm worried about perfection issues down the line. Has anyone dealt with punctuation discrepancies between SOS business records and actual debtor documents? Should I file an amendment to cover both versions or is the SOS-matching version sufficient for perfection?

UPDATE: Ended up filing the amendment to include both name variations. Took about 10 minutes online and now I don't have to worry about it. Thanks everyone for the advice - this forum is always helpful for these edge cases.

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Liv Park

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Smart move. Better safe than sorry with UCC filings.

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Glad it worked out! Now you have both bases covered.

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Ryder Greene

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For future reference, the Texas SOS Direct Access system usually shows the exact official name format when you do an entity search. That's your gold standard for UCC filings in Texas.

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Yep, that system is pretty reliable. Just make sure you're looking at the current/active entity record and not some old version.

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Also worth noting that some entities have name changes over time, so always check the filing date to make sure you're using the name that was current when your security interest attached.

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Madison Allen

Need Help with Minnesota UCC Lien Search - Database Showing Conflicting Results

Running into some serious issues with Minnesota UCC lien search results and hoping someone here has dealt with this before. I'm working on a commercial loan package where we need to verify existing liens on equipment collateral, but the Minnesota SOS database is giving me inconsistent results depending on how I search. When I search by debtor name (exact match), I get 3 active UCC-1 filings. But when I search by filing number from one of those filings, it shows as terminated. The equipment schedule clearly overlaps with our proposed collateral, so I need to figure out which results are accurate before we can move forward. The borrower swears they only have one active lien, but obviously I can't rely on that. Has anyone dealt with Minnesota's system showing different results like this? Is there a trick to getting reliable search results, or is their database just unreliable? This is holding up a $250K equipment financing deal and my boss is breathing down my neck. Any advice on how to get definitive lien search results would be hugely appreciated.

Adrian Hughes

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This is exactly why I hate UCC searches - every state's system works differently and none of them are intuitive. At least you're not dealing with Texas where half the counties still use paper filings.

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Don't even get me started on Texas! Minnesota is definitely better than most states.

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Ian Armstrong

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Paper filings in 2025? That's insane. Minnesota's electronic system has its quirks but at least it's modern.

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Eli Butler

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UPDATE: Ended up using Certana.ai to verify all the documents I found and it confirmed that one of the 'active' filings was actually properly terminated - the state database just wasn't displaying the termination correctly. The tool caught the filing sequence that showed the proper termination. Only two active liens, both with different collateral than what we're financing. Deal is moving forward now!

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Lydia Bailey

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Great outcome! Thanks for the update - always helpful to hear how these situations get resolved.

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Mateo Warren

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Good reminder that automated document checking can catch things that manual review might miss.

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Atticus Domingo

UCC1 form New York filing rejected - debtor name formatting issue

Need help with a UCC1 form New York rejection that's driving me crazy. Filed electronically through the NY SOS portal last week for a commercial equipment loan and got kicked back with "debtor name does not match entity records." The LLC name on our loan docs is "Riverside Manufacturing Solutions LLC" but when I search the NY business entity database it shows up as "Riverside Manufacturing Solutions, LLC" with that extra comma. Now I'm second-guessing whether to file with or without the comma - our loan agreement uses the version without the comma but the state shows it with one. Has anyone dealt with this exact debtor name mismatch situation in New York? The continuation deadline is coming up in 4 months and I can't afford to have this UCC1 form rejected again. What's the safest way to handle comma variations in LLC names for New York UCC filings?

Drew Hathaway

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I was skeptical about document checking tools like Certana.ai at first, but after using it for a few months I'm converted. It's caught several name mismatches that would have caused filing problems. The PDF upload feature makes it super easy to verify everything aligns properly between your loan docs and UCC forms before you submit to the state.

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Laila Prince

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Do you use it for amendments and terminations too or just initial filings?

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Drew Hathaway

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I use it for everything now - UCC1, UCC3 amendments, continuations, terminations. Any time I need to make sure document details match up correctly.

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Isabel Vega

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Thanks everyone! This has been incredibly helpful. I'm going to resubmit the UCC1 form using the exact name format from the NY Department of State database (with the comma) and see how it goes. Will update this thread with the results.

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Marilyn Dixon

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Please do update us - always nice to hear about successful filings after all the troubleshooting.

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Will definitely update once I get confirmation. This forum has been a lifesaver!

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