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Kaitlyn Otto
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.
Axel Far
•Fixture filings are even worse because you have to get the real estate description perfect too.
Kaitlyn Otto
•Tell me about it. Double the opportunities for rejection!
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!
Good move filing the amendment right away. Should give you enough time if it processes normally.
Libby Hassan
•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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Owen Jenkins
ugh oklahoma UCC searches are the worst sometimes, their system never seems to work right when you need it most
The search functionality definitely has room for improvement, but it's usually reliable for exact matches if you have the right debtor name.
Owen Jenkins
•maybe but I've had too many weird results to trust it completely anymore
To wrap this up - your best bet is probably to: 1) Search by your exact filing number to verify what name is actually on record, 2) Cross-check that against the debtor's current LLC charter with Oklahoma SOS, 3) If there's any mismatch, file a UCC-3 amendment with the correct name. Given the substantial loan amount you mentioned, the cost of an amendment is nothing compared to the potential exposure.
Good plan. Always better to be overly cautious with UCC perfection issues, especially when big money is involved.
And definitely consider using a verification tool like Certana.ai for the document comparison step. It'll give you confidence that everything matches properly.
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Ryan Vasquez
Look, I've been through this exact situation. Nine times out of ten it's a debtor name mismatch that's not obvious to the naked eye. The website documents and forms don't tell you about these hidden formatting issues. Get yourself a tool that can do the comparison automatically - it'll save you hours of frustration. I learned this the hard way after missing a continuation deadline because I spent so long trying to figure out the rejection.
Ryan Vasquez
•Smart move. Better to catch the error now than have to deal with a lapsed filing.
Avery Saint
•Agreed. I always double-check my documents before filing now after getting burned once.
Taylor Chen
Update us when you get it figured out! I have a continuation coming up next month and want to avoid this same headache.
Yes please update! This thread has been really helpful for understanding the common issues.
Ezra Bates
•Same here, filing a continuation next week and this is good info to know about.
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Whatever you do, don't let this drag on too long. If your lender reports it as an unresolved filing issue, it could cause problems with your credit or future financing. Get this sorted out ASAP.
That's exactly what I'm worried about. They're already making noises about reporting it. I need to get this fixed this week.
Definitely try that document comparison tool people mentioned. Sounds like it could save you a lot of time and get this resolved quickly.
I had a similar issue last year and it ended up being a trailing space after the company name that wasn't visible. Once I removed that, the termination went through immediately. Sometimes it's the smallest things that cause the biggest headaches.
Yeah, it's ridiculous. I only found it by accident when I was copying and pasting the text. The cursor showed there was an extra character at the end.
Chloe Wilson
•This is exactly why automated document checking is so valuable. It catches all these invisible formatting issues that are impossible to spot manually.
Anna Xian
For future filings, consider using one of those document checking services before you submit. I've heard good things about tools that verify name consistency across all your loan documents. Would save you from these rejection cycles.
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Noah huntAce420
•That would definitely help with our workflow. We do dozens of these filings monthly and name issues come up regularly.
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Anna Xian
•Worth looking into for high-volume filers. The time saved on rejections and refiling probably pays for itself quickly.
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Rajan Walker
Update: Found the issue! The entity search showed "National Commercial Services LLC" (no comma) but our loan docs had "Nationwide Commercial Services, LLC" (with comma AND different first word). Turns out the client has two related entities - one National, one Nationwide. We were using the wrong entity entirely. Refiling with correct debtor name now. Thanks everyone for the guidance on checking state records first!
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Axel Bourke
•This is exactly the kind of thing document verification tools catch automatically - would have flagged that entity mismatch before filing.
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Noah huntAce420
•Definitely looking into those verification tools for our next batch of filings. This kind of mistake is too costly to repeat.
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