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Logan Stewart

NY SOS UCC filing portal rejected my continuation - debtor name issue?

Really frustrated here. Filed a UCC-3 continuation through NY SOS portal last week and it got kicked back with some vague error about 'debtor information discrepancy.' Original UCC-1 was filed 3 years ago for equipment financing on construction equipment. The debtor company changed their registered name slightly since then (added 'LLC' to the end) but I used the exact name from the original filing. Portal won't tell me exactly what's wrong, just says to 'review debtor information and resubmit.' Anyone dealt with NY SOS being picky about exact name matches on continuations? This needs to get filed before the 5-year mark hits next month.

Gianna Scott

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honestly ny sos needs to get their act together. other states make this so much easier. filed a continuation in delaware last week and it was approved same day with no issues

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Alfredo Lugo

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Delaware is definitely smoother but NY has gotten better than it used to be. At least the portal works most of the time now lol

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Gianna Scott

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true i guess. remember when their system used to crash every other day? those were dark times

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Sydney Torres

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Update us when you figure it out! I have a NY continuation coming up next quarter and want to avoid the same trap.

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Logan Stewart

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Will do. Going to pull the corporate records first, then probably try that document checker tool if the name comparison doesn't solve it.

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Mikayla Brown

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Smart approach. Better to catch it upfront than deal with rejection cycles when you're up against the deadline.

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Caesar Grant

UCC filing WV - debtor name rejected twice, need help with exact format

Really struggling with a UCC filing here and getting frustrated. Filed a UCC-1 for equipment financing deal last month and it got rejected for "debtor name mismatch" - tried again with what I thought was the correct format from the Articles of Incorporation and got rejected AGAIN. The company name is "Mountain Ridge Construction LLC" on the charter but I'm wondering if there's some specific format requirement I'm missing? This is holding up a $240K equipment loan and my client is getting impatient. Has anyone dealt with similar debtor name issues where the exact format matters? I've double-checked the spelling multiple times but maybe there's something about how LLC designations need to be formatted?

Quick update - used the Certana document checker mentioned earlier and found the issue! The charter has "Mountain Ridge Construction, LLC" with a comma, but I was filing it as "Mountain Ridge Construction LLC" without the comma. Such a tiny difference but apparently critical for the UCC system.

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Exactly the kind of thing Certana catches instantly. Saves so much frustration.

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A comma! That's crazy but makes total sense. Thanks for sharing the solution.

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Perfect example of why exact name matching is so important in UCC filings. Glad you got it sorted out before the loan closing got delayed further.

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Caesar Grant

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Yeah, refiled this morning with the comma and it was accepted within an hour. Crisis averted!

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Kai Santiago

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Nothing like that relief when a filing finally goes through. Congrats on getting it resolved.

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Zane Gray

UCC Article 9 Priority Flow Chart - Anyone Have a Reliable Reference?

I'm dealing with a complex multi-lender situation where we have overlapping security interests in the same equipment collateral. There's a purchase money security interest from 2023, a blanket lien filed in 2022, and now a potential fixture filing issue since the equipment got permanently attached to real estate. I need a solid UCC Article 9 priority flow chart to work through who has first position. The statutory rules are giving me a headache and I keep second-guessing myself on the PMSI grace period calculations. Has anyone found a reliable visual reference that breaks down the priority rules step-by-step? My lender agreement requires us to maintain first lien position and I'm worried we might have missed something critical in our filing sequence.

Tyler Murphy

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For future reference, try to get fixture filings done simultaneously with equipment UCC-1s when you know the equipment will be permanently attached. Saves headaches later.

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Zane Gray

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Lesson learned. We didn't anticipate the fixture issue when we originally filed.

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Tyler Murphy

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Happens to everyone at least once. The good news is you can still file the fixture filing now to protect against future real estate interests.

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Sara Unger

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Bottom line - get that fixture filing done ASAP and document your PMSI priority analysis for your lender. Sounds like you're in good shape on the UCC side but need to cover the real estate angle.

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Zane Gray

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That's the plan. Thanks everyone for helping me think through this. Going to file the fixture filing this week and document everything for the lender.

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Sara Unger

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Smart move. Better to over-document than under-document when lender agreements are involved.

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Miguel Harvey

UCC-107 Form Rejected - Debtor Name Mismatch Issues

Been dealing with a nightmare situation on a UCC-107 filing that keeps getting bounced back. Working on a commercial equipment loan for $385k and the SOS portal rejected our initial UCC-1 because the debtor name on our loan docs shows 'ABC Manufacturing LLC' but their articles of incorporation actually list 'ABC Manufacturing, LLC' (with the comma). Now I'm trying to file the UCC-107 correction but they're saying the original filing number is invalid since it was rejected. This is holding up our entire loan closing and I'm not sure if I need to start over with a fresh UCC-1 or if there's a way to reference the rejected filing in the correction form. Anyone dealt with this specific UCC-107 scenario before? The borrower is getting antsy and my supervisor is breathing down my neck.

Kayla Morgan

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I'm dealing with something similar right now actually. Different state but same issue with entity name variations. It's maddening how picky these systems are.

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James Maki

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Which state? Some are definitely pickier than others about punctuation and formatting.

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Kayla Morgan

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Texas. They seem pretty strict about exact matches from what I've experienced.

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Update us when you get the new UCC-1 filed! Always curious to hear how these situations resolve.

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Miguel Harvey

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Will do. Planning to submit the corrected version tomorrow morning. Fingers crossed this time goes smoothly.

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Cole Roush

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Good luck! The comma thing is such a common trap, you're definitely not alone in this.

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Brianna Schmidt

Car title security agreement UCC-1 filing rejected twice - debtor name issues

Getting really frustrated here. I'm handling vehicle financing for a small dealership and we've had two UCC-1 filings rejected for the same car title security agreement. The SOS keeps saying there's a debtor name mismatch but I've triple-checked everything. The customer's name on the loan docs is "Michael J. Rodriguez" but their driver's license shows "Michael Rodriguez" (no middle initial). The car title has "Mike Rodriguez." I used "Michael J. Rodriguez" on the UCC-1 since that's what's on our security agreement. This is a $28,500 loan on a 2022 Honda Accord and I can't afford to mess this up. Our bank requires the UCC filing to be perfected within 20 days of funding and we're already on day 12. Has anyone dealt with this exact scenario? Do I need to file using the exact name from the title even if it doesn't match our loan paperwork? The collateral description seems fine - I used the VIN and described it as "2022 Honda Accord, VIN: 1HGCV1F30NA123456." Really need help here because if this lien isn't perfected properly, our bank could call the entire loan.

Benjamin Kim

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Last resort option: some lenders will accept a UCC-3 amendment filing that corrects the debtor name after the initial UCC-1 is accepted. Check with your bank to see if they'll allow this approach. You'd file using the title name, then amend to add the full legal name from your security agreement.

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UCC-3 amendments for debtor name changes are tricky though. Some states require the original debtor to authorize the change, which brings you back to the same customer signature problem.

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Plus amendment filings cost extra fees and take additional time. If you're already under deadline pressure, this might not be practical.

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Sarah Ali

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Update us on what works! I bookmark these threads because I always end up dealing with similar situations. The whole debtor name matching requirement is such a pain point for vehicle financing. Seems like every other deal has some variation of this problem.

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Will definitely post an update. Going to try the Certana verification tool first to make sure I'm not missing anything obvious, then attempt the filing with the exact title name. Fingers crossed!

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Ryan Vasquez

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Good luck! These name mismatch situations are always stressful but usually work out in the end. The important thing is getting that lien perfected before your bank deadline.

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