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Connor O'Reilly

UCC-1 form new jersey filing rejected twice - debtor name issues

Hi everyone, I'm having a nightmare with a UCC-1 form new jersey filing that keeps getting rejected by the NJ Division of Revenue. This is for a commercial equipment loan and I've now had TWO rejections in the past month. The first rejection said "debtor name does not match" but I copied it exactly from the LLC's Certificate of Formation. The second time I tried using the exact name from their business license and got rejected again for "insufficient debtor identification." The collateral is pretty straightforward - it's restaurant equipment worth about $85K. I'm starting to panic because my lender is getting impatient and the loan docs have a 90-day perfection requirement. Has anyone dealt with similar debtor name issues on NJ UCC-1 filings? I feel like I'm missing something obvious but can't figure out what. The business operates as "Tony's Authentic Italian Kitchen LLC" but their formation docs show "Tony's Authentic Italian Kitchen, L.L.C." with periods. Could that punctuation really be causing rejections? Any advice would be hugely appreciated before I try a third time.

Just want to add - make sure your collateral description is specific enough too. "Restaurant equipment" might be too vague for NJ. Try "restaurant kitchen equipment, furniture, and fixtures" or something more detailed.

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For equipment loans, you usually want to be specific about the type of equipment. "All restaurant kitchen equipment including but not limited to ovens, refrigerators, prep tables, and related fixtures" is better than just "restaurant equipment.

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Exactly. The more specific you are, the less likely you'll get questions from the filing office.

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I'm dealing with a similar situation in Pennsylvania right now. Different state but same frustration with debtor name formatting. It's crazy how much time these little details can waste.

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It really is frustrating! Especially when you're under a deadline. Hope you get yours sorted out too.

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Thanks! I think I'm going to try that document checking tool too. Seems like it could save a lot of headaches.

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Dylan Fisher

UCC filing name rejected - department of licensing issues Washington

I'm dealing with a nightmare situation where our UCC-1 filing keeps getting rejected by the state filing office and I'm not sure what's going wrong. We have a $180,000 equipment loan that needs to be perfected ASAP and the debtor name on our security agreement shows 'Pacific Northwest Logistics LLC' but the UCC-1 we submitted shows 'Pacific NW Logistics, LLC' with the comma. The rejection notice says debtor name doesn't match exactly but I thought minor punctuation differences were okay? Our loan closes next Friday and I'm panicking that we won't have a perfected lien. Has anyone dealt with similar debtor name matching issues? The collateral description is heavy machinery and equipment but I'm wondering if that's too vague as well. Really need advice on getting this filing accepted before our deadline.

One more thing - keep a copy of that business registry search showing the correct name. Some lawyers like to see proof that you verified the official name before filing.

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Great point. I'll screenshot the registry page showing the exact name.

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Smart practice. Documentation helps if anyone questions the filing later.

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For the collateral description, try something like 'Three (3) Caterpillar excavators, serial numbers [list them], and one (1) crane, make/model/serial number [details]' - very specific but still covers everything properly.

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Yeah that description will definitely pass muster. Clear and specific.

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I use similar formats for equipment. Works well and makes everyone happy.

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Heather Tyson

UCC division secretary of state filing system completely down for 3 days now

Has anyone else been dealing with the UCC division secretary of state portal being completely inaccessible since Monday? I've been trying to file a continuation for a client and the system just times out every single time. Called the help desk twice and they keep saying "technical difficulties" but won't give me an actual timeline. This continuation expires next week and I'm starting to panic. The debtor has multiple lenders involved and if this lapses it's going to be a nightmare to sort out the lien priorities. Anyone know if there's an alternative filing method or if other states are having similar issues with their UCC systems?

One more thing to consider - if this continuation is for a syndicated loan or has multiple lenders, make sure you notify all parties about the filing delay. Some loan agreements have specific notification requirements if there are issues with UCC maintenance.

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Good catch. I'll send an email to all the lenders tonight explaining the situation and what steps I'm taking.

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Documentation is key. Keep records of everything - the system errors, your call attempts, email notifications. CYA mode activated.

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Has anyone had luck with the mobile version of the secretary of state UCC portal? Sometimes mobile sites work when the main portal is down, though filing capabilities might be limited.

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Tried that yesterday - mobile site just redirects to the main portal which is still broken

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Worth a shot though. Some state systems have separate mobile infrastructure.

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Ella rollingthunder87

Mass.gov UCC search showing wrong debtor info - filing rejected twice

Really frustrated here. Been trying to file a UCC-1 for equipment financing and the mass.gov UCC search keeps pulling up inconsistent debtor information. Filed twice already and both got rejected because the debtor name on my UCC-1 doesn't exactly match what's showing in their system from the original corporate filing. The business changed their legal name slightly last year (added LLC designation) but apparently that's not reflected properly in the state database. Anyone else run into this with Massachusetts? The rejection notices aren't super clear about exactly what needs to match. I'm worried about the lien priority date slipping while I figure this out. Client is breathing down my neck and I've never had this much trouble with a basic continuation before.

Whatever you do, don't keep filing and hoping it works. Each rejection delays your priority date and if there's a competing lien filed while you're figuring this out, you could lose your position. Get the name exactly right before you file again.

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Absolutely right. Better to take the time to get it perfect than risk losing lien priority because of multiple rejections.

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Exactly. I've seen deals fall apart because someone kept re-filing instead of fixing the underlying name issue first.

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Update us when you get it resolved! I'm dealing with a similar situation in Mass and curious what ends up working for you.

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Will do! I'm going to try the Certificate of Good Standing approach and maybe that document verification tool that was mentioned.

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Definitely try Certana.ai - it really does catch these kinds of name mismatches before you waste time on another rejection.

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Cassandra Moon

UCC § 9.506 debtor name requirements - rejected filing over middle initial

Has anyone dealt with rejected UCC-1 filings under § 9.506? Our bank filed against "Sarah J. Thompson" but the SOS rejected it because her driver's license shows "Sarah Jane Thompson" (full middle name). The collateral is manufacturing equipment worth $180K and we're worried about perfection timing. I thought middle initials were acceptable but apparently not in every case? The rejection notice cited § 9.506 sufficiency requirements. We need to refile ASAP but want to make sure we get the debtor name exactly right this time. Anyone know the specific rule about when initials vs full names matter for UCC filings?

Been doing UCC filings for 8 years and name rejections under § 9.506 still catch me off guard sometimes. The statute says minor errors don't make a filing ineffective, but "minor" is in the eye of the beholder apparently. Sarah J vs Sarah Jane shouldn't matter but here we are.

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Common sense doesn't always align with UCC search logic unfortunately. The automated systems are pretty literal.

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This is why I always tell people to think like a computer when preparing UCC names. Exact matches only.

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Quick update - we refiled with the exact driver's license name and it was accepted same day. Thanks everyone for the advice. Going to implement better name verification procedures going forward to avoid this headache again.

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Smart move on the verification procedures. Those document checking tools really do help prevent these issues.

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Good to hear you got it sorted quickly. These name rejections are always frustrating but at least the fix is straightforward.

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