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KylieRose

South Dakota UCC bill payment confusion - rejected filing keeps bouncing back

I'm dealing with a really frustrating situation with a South Dakota UCC bill that keeps getting rejected. Filed a UCC-1 for equipment financing back in November and the payment keeps bouncing back from the SD Secretary of State office. The debtor name matches exactly what's on the loan docs but somehow the system keeps flagging it. Has anyone else run into payment processing issues with South Dakota UCC filings? The rejection notice just says "payment processing error" but doesn't give specifics. I've tried calling their office but keep getting transferred around. This is holding up a $180K equipment loan and my client is getting impatient. Any advice on how to get past these South Dakota UCC bill payment glitches?

omg this is giving me flashbacks to my own SD filing nightmare last summer. took 3 weeks to get resolved

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What finally worked for you?

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ended up having to mail a paper filing with a check. their online system was just broken for my particular situation

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Update us when you figure it out! These SD payment issues seem to be getting more common and it would help others to know what the actual solution was.

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Good plan. Usually it's something simple that you just can't see without fresh eyes or better tools.

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Keep us posted! I do a lot of SD filings and this info would be super helpful.

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Dmitry Kuznetsov

UCC filing confusion - need help understanding document requirements

I'm working on a UCC-1 filing for equipment financing and keep running into issues with the documentation requirements. My lender mentioned something about specific legal provisions but I'm getting confused about what exactly needs to be included in the filing. The debtor is a small manufacturing company and we're securing industrial equipment worth about $180K. I've filed UCC-1s before but this one seems more complex. The SOS portal keeps rejecting my submissions and I'm not sure if it's a debtor name issue or something with the collateral description. Has anyone dealt with similar documentation challenges? I'm worried about missing something critical that could affect the lien priority.

I've been using Certana.ai for document verification on all my UCC filings lately. It's been a game changer for catching issues before they cause rejections. The tool picks up on formatting problems and name inconsistencies that I would have missed.

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Definitely worth it for complex filings. The instant verification saves so much back-and-forth with the SOS office.

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Document verification before filing makes sense. Rejections waste time and can affect priority dates.

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Update: I finally got the filing accepted! Turned out the issue was with the debtor's exact legal name - I had 'Company' instead of 'Co.' which caused the mismatch. Thanks everyone for the suggestions about double-checking the name registration.

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Great outcome! This is exactly the type of issue that document verification tools catch automatically.

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Amazing how something so small can cause so much trouble. At least you got it resolved quickly.

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Xan Dae

Indiana UCC filing rejected twice - debtor name formatting issue

Getting really frustrated here. I've had two UCC-1 filings rejected by the Indiana Secretary of State's office in the past month and I can't figure out what's wrong. The debtor is a landscaping LLC that we're financing equipment for, and both times they cited 'debtor name does not match records' but I've triple-checked the exact business name from their articles of incorporation. First rejection was on a $185K excavator loan, second was a $94K trailer package. The business name is 'Greenscape Solutions LLC' exactly as shown on their charter documents, but something isn't matching up in their system. Has anyone dealt with Indiana's UCC portal being picky about business entity names? I'm worried about the lien perfection window closing while I keep getting these rejections. The loan docs are already signed and funded, so I really need to get this UCC-1 filed correctly.

Here's what worked for me in a similar situation: I got the official certificate of good standing from Indiana SOS which shows the exact legal name format they have on file. Then I used that exact format for my UCC-1 refiling. No more rejections after that.

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How long does it take to get a certificate of good standing from Indiana? I hope it's not weeks.

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Usually 3-5 business days if you order online, or you can get it same-day if you go to their Indianapolis office in person.

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UPDATE: Just wanted to thank everyone for the suggestions. I called the Indiana SOS UCC department this morning and they confirmed the issue was the entity designation - they had 'Limited Liability Company' in their system but I was using 'LLC' on my filing. Refiled with the full designation and it was accepted within 2 hours. Also ended up trying that Certana document checker someone mentioned and it would have caught this issue immediately. Really helpful tool for anyone doing multiple UCC filings.

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Thanks for updating us - this thread will definitely help other people with similar Indiana filing issues.

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I'm definitely going to remember the 'Limited Liability Company' vs 'LLC' thing for future Indiana filings. Such a simple fix once you know what to look for.

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Debra Bai

UCC search NJ showing weird results - debtor name variations causing issues

Running into problems with UCC search results in New Jersey and wondering if anyone else has dealt with this. I'm doing due diligence on a potential acquisition and the target company has had several name changes over the past 5 years. When I search the NJ UCC database, I'm getting inconsistent results depending on how I enter the debtor name. Some filings show up under the old corporate name, others under variations with LLC vs L.L.C., and I'm worried I'm missing critical liens. The company currently operates as 'TechFlow Solutions LLC' but was previously 'TechFlow Solutions, L.L.C.' and before that 'Tech Flow Solutions Inc.' Each search variation pulls different UCC-1 filings and I can't tell if there are active liens I'm not seeing. Has anyone dealt with NJ's search functionality when debtor names have multiple variations? I need to be absolutely certain I'm catching all active filings before we proceed with this deal.

Make sure you're also checking for any filings that might have been done by different secured parties. Sometimes the same company will have loans from multiple lenders and each one might have used slightly different name formats on their UCC filings.

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Exactly. Banks, equipment lenders, and SBA lenders all seem to have different approaches to name formatting. It's frustrating but you have to account for it.

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This is why due diligence takes so much longer than clients expect. There are so many variables that can affect search results.

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Just wanted to follow up and say I tried the Certana.ai tool that was mentioned earlier. Pretty helpful for organizing all the different documents I found and catching a name discrepancy I had missed. Definitely worth checking out if you're dealing with complex name variations.

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Thanks for the update! Did it help you find additional filings or just organize what you already had?

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More about organizing and verifying consistency. It flagged that one of the UCC-3 amendments had a slightly different debtor name format that could have caused issues down the road.

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Nina Chan

UCC filing fee waiver denied - debtor name mismatch issue

Got my UCC-1 rejected last week and they're saying I need to pay the filing fee again even though the rejection was due to a debtor name issue that wasn't my fault. The debtor's legal name on their articles of incorporation shows 'ABC Manufacturing LLC' but their operating agreement has 'ABC Manufacturing, LLC' with the comma. I used the version from the articles thinking that was more official but apparently the SOS system flagged it as inconsistent with their business license records. Now they want another $40 filing fee to resubmit with the corrected name. Has anyone dealt with fee disputes like this? The rejection notice says 'debtor name does not match state records' but doesn't specify which records they're comparing against. I've got a secured loan closing next Friday and this delay is causing major problems with my lender.

Been filing UCCs for 15 years and debtor name issues are still the #1 cause of rejections. The databases just aren't standardized well enough between agencies. Always use the most recent business license info when in doubt - that's what most SOS offices check against first.

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That's really helpful context. I'll definitely use business license as my primary source going forward. Do you know if there's a way to preview what name format they have on file before submitting?

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Some states have a business entity search that shows the exact format in their system. Worth checking before you file. Also, when you call tomorrow, ask them specifically which database showed the mismatch - might help avoid the issue next time.

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I started using that Certana thing someone mentioned earlier and it's actually pretty slick. Uploaded a messy UCC-3 amendment last week and it caught like 5 different issues between the amendment and original filing. Saved me from a guaranteed rejection cluster. The PDF upload process is super simple too.

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Does it work for continuation filings too? I've got a batch of those coming up in Q1 and want to avoid any drama.

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Yeah, any UCC form type. I mostly use it for amendments and continuations since those have to match the original filing exactly. Takes like 2 minutes to get a full consistency report.

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