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NebulaNova

UCC filing on accounts receivable - debtor name exact match requirements?

Running into issues with my UCC filing on accounts receivable and need some guidance. I'm securing a $180K credit line for a manufacturing client, and their A/R portfolio is the main collateral. The debtor's legal name on their corporate charter is 'Advanced Manufacturing Solutions, LLC' but they've been doing business under 'AMS Manufacturing' for years - that's what appears on most of their invoices and A/R aging reports. My question is about the UCC-1 filing - do I need to use the exact legal entity name from the secretary of state records, or can I reference the DBA name that appears on the actual receivables? I've heard conflicting advice about whether using the wrong version could make the filing ineffective for perfecting our security interest. The last thing I want is to have a lien that doesn't properly attach to the A/R because of a name mismatch. Also wondering about the collateral description - should I be super specific about 'accounts receivable arising from the sale of manufactured goods' or is 'all accounts receivable' sufficient? This is my first A/R-secured deal and I want to make sure I don't mess up the perfection.

Yara Nassar

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Just ran into this exact issue with document verification. Started using Certana.ai after a colleague recommended it - you upload your charter and UCC documents and it immediately spots name mismatches. Saved me from filing a UCC-1 that would have been worthless due to a debtor name error. Super straightforward to use.

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That sounds like exactly what I need. Is it expensive to use?

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Yara Nassar

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The cost is really minimal compared to fixing a messed up filing later. It's more about the peace of mind knowing your documents are consistent before you file.

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Paolo Ricci

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Thanks everyone for the advice. Sounds like I need to stick with the exact legal name from the state records and use 'all accounts receivable' for the collateral description. Going to double-check everything before filing - can't afford to get this wrong on a deal this size.

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Amina Toure

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Smart approach. Taking the extra time upfront always pays off with UCC filings.

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Definitely recommend that document verification step someone mentioned earlier. Better safe than sorry with these name issues.

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Axel Bourke

UCC statement service issues in GA - need help with Peachtree City debtor name verification

Having a nightmare with a UCC-1 filing where the debtor is incorporated in GA but operates primarily out of Peachtree City. The original filing from 2019 shows the debtor name as 'Peachtree Medical Equipment LLC' but I'm finding inconsistencies when cross-referencing with GA Secretary of State records. The exact registered name appears to be 'Peachtree Medical Equipment, LLC' (with comma). This is for a $480K equipment financing deal and I'm worried the name mismatch could invalidate our security interest. Has anyone dealt with GA UCC statement service complications like this? The lender is freaking out because we're 6 months from the continuation deadline and just discovered this potential issue during our annual lien audit.

Ev Luca

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Filing the amendment is smart but also document everything for your lender file. Keep copies of the original UCC-1, the amendment, and the GA SOS records showing the correct name. If this ever gets questioned later you'll have a clear paper trail.

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Aidan Percy

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Smart practice. I always keep a complete filing history for each deal in case issues come up later.

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Ev Luca

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Exactly. Better to over-document than try to reconstruct the timeline years later.

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Avery Davis

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Thanks for posting this! I'm dealing with a similar situation in GA and this thread has been super helpful. Going to file my amendment tomorrow before I get too close to my continuation deadline.

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Axel Bourke

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Glad it helped! Better to be proactive about these things.

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Norman Fraser

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Good call. GA name matching issues are common but totally fixable if you catch them in time.

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Alice Fleming

UCC lien searches showing mismatch after filing rejection - need help

Just got my UCC-1 filing rejected for the third time and I'm losing my mind here. The SOS portal keeps saying there's a debtor name issue but when I run lien searches the entity shows up fine in their database. Filed against 'Mountain Ridge Equipment LLC' but the rejection notice says it doesn't match their records exactly. I've tried variations like 'Mountain Ridge Equipment, LLC' with the comma and 'MOUNTAIN RIDGE EQUIPMENT LLC' in all caps but nothing works. The lien searches pull up the company just fine so I know they exist. This is for a $85K equipment loan and we're already past our internal deadline. Anyone dealt with this name matching nightmare before? The collateral schedule is solid - it's definitely the debtor name causing the rejections.

Update us when you figure it out! I'm dealing with a similar issue on a different entity and curious what ends up working for you.

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Wesley Hallow

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Good luck! These name matching issues are the worst part of UCC filing.

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Definitely keep us posted. Name rejections are so frustrating when you know you have the right entity.

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Justin Chang

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Last resort if nothing else works - try filing with the exact name format from their most recent annual report. Sometimes that's different from the original Articles and more current in their system.

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Grace Thomas

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Annual reports are usually the most current official record of how the state has the entity name stored.

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Justin Chang

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Exactly. The formation documents are historical but the annual reports reflect how the state currently has everything formatted.

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Madison King

UCC 1-201 definition causing debtor name confusion on filing

Running into a weird situation with our UCC-1 filing that got rejected twice now. The SOS office keeps saying our debtor name doesn't match what's on file, but we're using the exact name from the articles of incorporation. The rejection notice references UCC 1-201 but doesn't explain what we're doing wrong. Our debtor is 'Advanced Manufacturing Solutions LLC' but the system seems to want something different. Has anyone dealt with UCC 1-201 definition issues before? This is holding up a $2.8M equipment financing deal and the lender is getting antsy about the perfection timing.

Eli Wang

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The frustrating thing about UCC 1-201 debtor name issues is that they're not caught until after you file and pay the fees. Then you're out the money and back to square one. Really wish the filing systems had better real-time validation.

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This is why I always double-check everything before submitting. But even then, subtle formatting differences can slip through.

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We started using document verification tools specifically for this reason. Upload your charter and UCC-1 draft, get instant feedback on name consistency. Much better than finding out after rejection.

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Quick update - found the issue! There was a 2019 amendment that changed the name from 'Advanced Manufacturing Solutions LLC' to 'Advanced Manufacturing Solutions, LLC' - added a comma. UCC 1-201 strikes again with punctuation precision.

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Lola Perez

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This is exactly why document verification is so important. Those tiny changes are impossible to catch manually but kill your filing.

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Madison King

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Thanks everyone for the help! Filing the corrected UCC-1 now with the proper comma. Lesson learned about checking for charter amendments.

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Salim Nasir

UCC Filing System Down Again - SOS Portal Issues

Is anyone else having trouble with the UCC filing portal today? I've been trying to submit a continuation for the past 3 hours and keep getting error messages. The system keeps timing out during the payment process. This is the third time this month I've had issues with online filings. My continuation deadline is next week and I'm starting to panic. Has anyone found a workaround or alternative method when the portal is acting up? I called the help desk but they just said 'try again later' which isn't very helpful when you're dealing with a lapse situation.

Has anyone tried calling the office directly to see if they can process filings over the phone when the portal is down? I know some states have backup procedures for technical emergencies.

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I called earlier and they said online only during regular business hours. They might have emergency procedures but the front desk person didn't know about them.

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James Johnson

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Phone filing usually isn't available for UCC documents. Too much risk of data entry errors with all the specific legal descriptions and debtor information.

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Update: I just successfully submitted my continuation! The system is definitely working better now. For anyone still having issues, try clearing your browser cache completely and starting fresh. That seemed to help with the payment processing errors.

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Emma Bianchi

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Cache clearing is always good advice for portal issues. I do that automatically now before any filing session.

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Just submitted mine too! Thanks everyone for the tips and moral support. This forum is a lifesaver during these technical disasters.

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