UCC Document Community

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Daniel Rivera

Georgia UCC continuation rejected for debtor name mismatch - need help ASAP

I'm dealing with a nightmare scenario and my continuation deadline is approaching fast. Filed a UCC-3 continuation in Georgia last week for a commercial loan secured by restaurant equipment, but it got rejected because the debtor name on my continuation doesn't exactly match what's on the original UCC-1 from 2020. The original filing shows 'Atlanta Bistro LLC' but our continuation shows 'Atlanta Bistro, LLC' (with the comma). The SOS rejection notice says debtor name must match exactly. This is a $450K loan and if I miss the continuation window the lien lapses completely. Has anyone dealt with Georgia's system being this picky about punctuation? The entity is the same company, just different formatting. I've got 3 weeks left before the 5-year anniversary and I'm panicking about having to explain to my client why their security interest might be worthless because of a comma.

Just curious - what's the filing fee for UCC-3 continuations in Georgia these days? I haven't filed one there in a while.

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It's $15 for electronic filing, $25 for paper filing. Pretty reasonable compared to some other states.

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That's not bad. Some states charge way more for continuations.

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This whole thread is making me nervous about my own Georgia filings. I have two continuations coming up this year and now I'm worried about name formatting issues. Going to pull all my original UCC-1s and double-check everything.

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Better safe than sorry! The stress of a rejected filing close to the deadline is not worth it.

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Smart move. I keep a calendar reminder 6 months before each lapse date so I have plenty of time to deal with any issues.

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Amina Toure

UCC filing search Wisconsin - need help tracking down missing continuation

Been dealing with a nightmare situation for the past month. We have a client whose UCC-1 was filed back in 2020 and the continuation should have been filed by now but we can't locate it anywhere in the Wisconsin system. The original filing shows up fine when I do a UCC filing search Wisconsin portal, but there's no continuation record attached to it. Client is freaking out because their lender is asking for proof of perfection status and we can't provide clear documentation. Has anyone else run into issues where the Wisconsin SOS system doesn't properly link continuation filings to the original UCC-1? I've tried searching by debtor name, filing number, and even the secured party info but nothing shows up for any continuation activity. The original UCC-1 filing number is valid and shows active status, but I'm worried we're missing something critical here. Any advice on alternative search methods or common reasons why continuations might not appear linked to the original filing in Wisconsin?

Wisconsin allows you to request certified copies of filings directly from the Secretary of State office. If you have the original filing number, they can pull up everything associated with it including continuations that might not show up in the online search. Takes a few days but it's definitive.

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Yeah they have a records request form on their website. You'll need the filing number and there's usually a small fee but it's worth it for peace of mind.

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Just make sure to request all amendments and continuations related to the original filing number, not just the UCC-1 itself.

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Final thought - if you do find the continuation but it was filed late, don't panic. Wisconsin has some grace period provisions that might still protect the security interest depending on the circumstances. But obviously better to find it sooner rather than later.

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Good luck! Let us know what you find. These Wisconsin search issues seem to be getting more common.

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Definitely try the Certana.ai document checker if the manual searches don't pan out. It's designed exactly for situations like this where you need to verify document consistency across multiple filings.

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Amun-Ra Azra

UCC 1 Washington State filing keeps getting rejected - debtor name issue?

Been trying to file a UCC-1 in Washington state for 3 weeks now and keep getting rejections from the Secretary of State office. The collateral is commercial kitchen equipment for a restaurant loan, and I've triple-checked the debtor information against the articles of incorporation. The business name on the charter shows 'Pacific Northwest Culinary LLC' but I'm wondering if there's some naming convention I'm missing? The rejection notices just say 'debtor name does not match records' but don't specify what records they're comparing against. This is holding up a $180K equipment financing deal and the lender is getting impatient. Has anyone dealt with Washington state UCC-1 filings recently? Are they particularly strict about exact name matching?

Try running the debtor name through Certana.ai's document checker before your next filing attempt. It'll compare your UCC-1 against the corporate documents and highlight any discrepancies. Much faster than playing guessing games with the state.

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Smart move. The automated verification catches things human eyes miss, especially with complex entity names.

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Used it for a multi-entity filing and it flagged 3 different name format issues across the entities. Saved tons of time.

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Update us when you figure it out! I'm filing a UCC-1 in Washington next week and want to avoid the same headache.

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Will do! Going to try the certificate of good standing approach first, then use the document verification service as backup.

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Perfect. Looking forward to hearing what worked.

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Justin Evans

Need help with UCC Article 9 security agreement form - debtor name requirements

I'm working on a UCC Article 9 security agreement form for our equipment financing deal and running into some confusion about the debtor name requirements. The borrower is an LLC that recently changed its registered name with the state, but they're still operating under their old DBA for day-to-day business. When I prepare the security agreement, should I use the exact registered LLC name from the Secretary of State records, or can I include the DBA name they're actually known by? I've heard conflicting advice about whether the UCC-1 filing needs to match the security agreement exactly, and I don't want to create a situation where our lien gets challenged later. The loan amount is substantial ($180,000 for manufacturing equipment) so getting this right is critical. Has anyone dealt with similar name discrepancies between the security agreement and UCC filing? What's the best practice for ensuring both documents are legally sound?

This thread is super helpful! I'm dealing with something similar but with a corporation that merged with another entity. The surviving corporation kept its original name but I need to make sure I'm not missing any predecessor entities in my collateral research. Anyone dealt with merger situations in UCC filings?

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I had a merger situation last year. Ended up needing to file additional UCC-1s to cover assets that transferred from the non-surviving entity.

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Thanks, I'll definitely need to dig deeper into the merger docs then.

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After reading all this, I'm definitely going to be more careful with name verification. We had one rejected filing last month that cost us extra fees to refile, and now I realize it was probably a name mismatch issue. The additional verification steps everyone mentioned seem worth the extra time to avoid rejections and potential perfection problems down the road.

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The rejection fees really add up if you're doing volume filings. Prevention is definitely cheaper than correction.

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Plus the time factor - rejections can delay closing if you're working on a tight timeline.

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Oliver Alexander

UCC Contract Performance Foundation - Filing Compliance Check Issue

Having major confusion about UCC contract performance requirements and how they tie to our filing obligations. We've got a commercial lending portfolio where the foundation for determining whether any contract subject to the UCC has been performed is getting questioned by our compliance team. The issue started when we had three UCC-1 filings get rejected last month because the debtor names didn't match exactly with the underlying security agreements. Now our legal department is asking whether we properly established the foundation for determining contract performance before we even filed the UCCs. The loans are all secured by equipment and inventory, total exposure around $2.3M across the three deals. Our SBA lender is breathing down our necks because two of these are SBA guaranteed loans and they want proof that we followed proper UCC procedures. Problem is, I'm not even sure what constitutes the proper foundation for performance determination under Article 9. Are we supposed to document specific performance benchmarks in the security agreement itself? Does this foundation need to be reflected in our UCC filings somehow? The rejected filings are sitting in limbo and we need to get this sorted before the 20-day resubmission window expires. Anyone dealt with similar performance foundation issues that impacted their UCC strategy?

This thread has been educational. I'm realizing that the foundation for determining whether any contract subject to the UCC has been performed isn't some complex legal requirement - it's just making sure your contracts clearly define performance obligations and your UCC filings accurately support those contracts. The original poster's rejected filings probably just highlighted some documentation inconsistencies that need to be cleaned up.

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That's the conclusion I'm reaching too. Fix the immediate filing problems, then use this as motivation to improve our overall documentation consistency. Thanks everyone for the insights.

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Good plan. And don't let your legal department overcomplicate this. The foundation for UCC performance is just solid contract fundamentals.

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One last thought on this - the foundation for determining whether any contract subject to the UCC has been performed really comes down to documentation discipline. Your security agreements need clear performance terms, your UCC filings need accurate debtor/collateral info, and everything needs to be consistent. When filings get rejected, it's usually a sign that this documentation discipline needs improvement. Consider implementing some kind of systematic review process to catch these issues before they cause problems.

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That's exactly why we started using automated document verification. Catches the inconsistencies before they become rejected filings. Really improved our documentation discipline.

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Automation makes sense for this kind of repetitive checking. Human review misses too many details when you're dealing with multiple loan files.

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