UCC Document Community

Ask the community...

  • DO post questions about your issues.
  • DO answer questions and support each other.
  • DO post tips & tricks to help folks.
  • DO NOT post call problems here - there is a support tab at the top for that :)

Zara Mirza

UCC-3 Georgia Filing Rejected - Debtor Name Issue Need Help

Had our UCC-3 amendment rejected by Georgia SOS yesterday and I'm not sure what went wrong. We're trying to add additional collateral to an existing UCC-1 that was filed 18 months ago for a commercial equipment loan. The original filing was for manufacturing equipment but now the borrower wants to include their new CNC machines under the same security agreement. The rejection notice says 'debtor name does not match' but I triple-checked against the original UCC-1 and it looks identical to me. The original debtor name is 'Atlanta Precision Manufacturing LLC' and that's exactly what I put on the UCC-3. Has anyone dealt with Georgia's system being picky about exact formatting or punctuation? I'm wondering if there's some hidden character or spacing issue I'm missing. This is holding up a $850K credit line expansion and the borrower is getting anxious. Any Georgia UCC-3 filing tips would be really appreciated.

Liam Sullivan

•

Update: Called Georgia SOS this morning and they were actually helpful! The rep told me that the original UCC-1 has the debtor name stored with an extra space after 'LLC' that doesn't show up on the search results or our copies. She said this is a known issue with their system and suggested I add the extra space to the UCC-3 and resubmit.

0 coins

GalaxyGazer

•

Great that you got through to someone knowledgeable. That invisible space issue is so common but hard to catch.

0 coins

Ethan Moore

•

Perfect example of why document verification tools like Certana.ai are helpful - they would have caught that extra space automatically.

0 coins

Zara Mirza

•

Final update: Resubmitted the UCC-3 with the extra space after 'LLC' and it was accepted immediately! Thanks everyone for the advice. Definitely going to start doing official searches before filing amendments going forward to avoid these issues.

0 coins

Carmen Vega

•

Great outcome. The official search approach is definitely the way to go for future amendments.

0 coins

Thanks for posting the resolution. This thread will be helpful for others dealing with similar Georgia UCC-3 issues.

0 coins

Javier Gomez

Oregon UCC lien search showing weird results - need help interpreting

I'm doing due diligence on a potential equipment purchase and the Oregon UCC lien search is confusing me. When I search the seller's business name I get multiple hits but some show as 'continued' and others show 'terminated' but with overlapping dates. The equipment I'm looking at is a 2019 Case excavator and there's a UCC-1 from 2020 that shows active, but then there's a UCC-3 continuation from 2023 that references a different original filing number. I'm trying to figure out if there are any liens I need to worry about before I buy this thing. The seller says everything is clear but these search results are making me nervous. Has anyone dealt with Oregon's system before? Are there tricks to reading these results properly?

Mei Liu

•

One more thing - make sure you're searching in the right state. Sometimes equipment gets moved around and there could be filings in multiple states. Oregon might not be the only place you need to search.

0 coins

Amara Chukwu

•

I always check the debtor's state of incorporation or organization too, just to be safe.

0 coins

This is why multi-state UCC searches can get complicated fast. Each state has slightly different systems.

0 coins

Update: Thanks everyone for the advice. I ended up getting copies of all the UCC documents from the seller and used that Certana.ai tool someone mentioned to verify everything. Turns out the different filing number on the continuation was because they had to correct the original debtor name - it all checks out and the equipment is clear. Really appreciate all the help!

0 coins

Good to hear you got it sorted. Name corrections on UCC filings are pretty common.

0 coins

Thanks for posting the update. This thread will probably help other people dealing with similar Oregon UCC search confusion.

0 coins

Leo McDonald

UCC filing rejected - security agreement colorado debtor name doesn't match exactly

I'm dealing with a nightmare situation where our UCC-1 filing got rejected because the debtor name on our security agreement doesn't match exactly what's showing up in the Colorado Secretary of State records. The company is "Mountain View Equipment Rental LLC" on our security agreement but their articles show "Mountainview Equipment Rental, LLC" (no space, added comma). Our lender is freaking out because the loan closed two weeks ago and we need this perfected ASAP. Has anyone dealt with this exact type of debtor name mismatch issue? I'm worried we're going to have to redo the entire security agreement which would delay everything by weeks. The collateral is heavy equipment worth $450K so this can't sit unperfected. Any advice on whether we can file with both name variations or if there's a faster way to resolve this?

This happened to me with a Wyoming LLC filing. Spaces, commas, and punctuation differences will definitely cause rejections. I ended up calling the debtor directly to confirm which name format they prefer for legal documents, then used that consistently across everything.

0 coins

Leo McDonald

•

That's smart - I should definitely confirm with the company which name they consider their official legal name. Though I assume it has to be whatever's on file with the state.

0 coins

Right, for UCC purposes it needs to match the state records exactly. But having the debtor confirm helps avoid confusion later.

0 coins

Pro tip: always do a test search on the state UCC database with your planned debtor name before filing. It'll show you if there are any existing filings and confirm the name format they accept. Saves a lot of headaches.

0 coins

Yeah it's one of those things you learn after getting burned once. The test search feature is really helpful for avoiding these exact problems.

0 coins

Absolutely. And if you're doing a lot of these filings, having a systematic way to verify document consistency upfront saves tons of time and re-filing fees.

0 coins

Peyton Clarke

UCC filing nebraska - debtor name variations causing rejections

Having issues with multiple UCC filings getting rejected in nebraska. Filed three UCC-1s last month for equipment financing deals and two came back rejected for 'debtor name discrepancies.' The charter documents show 'Midwest Agricultural Solutions LLC' but I filed using 'Midwest Ag Solutions LLC' thinking the abbreviation would be fine. Secretary of State office says exact match required but their portal doesn't give clear guidance on acceptable variations. Need to refile these before the financing deadlines hit. Anyone dealt with similar name matching issues? The collateral schedules are solid but these name rejections are killing our timeline.

For future reference, I always keep a checklist for Nebraska filings: exact debtor name from current charter, proper collateral descriptions, correct filing fees, and valid addresses. Saves me from most rejections. Also started using Certana's PDF checker after getting burned on a big commercial deal - uploads your documents and flags inconsistencies instantly.

0 coins

Yeah, systematic approach prevents most issues. The automated checking tools just add another layer of protection.

0 coins

Caden Turner

•

Checklists are great until you get complacent and skip steps. Ask me how I know...

0 coins

Update us when you get the corrected filings back! Always curious how quick the turnaround is when everything's done right the first time.

0 coins

Peyton Clarke

•

Will do. Planning to file tomorrow morning with the corrected names.

0 coins

Good luck! Should be smooth sailing with the right debtor names.

0 coins

Malik Jenkins

Tennessee Secretary of State UCC Search showing wrong debtor name - filing rejected twice

Has anyone dealt with the Tennessee SOS UCC search portal giving inconsistent results? I'm trying to file a UCC-1 for a commercial equipment loan and the search keeps showing a slightly different debtor name than what's on our loan documents. The business is 'Anderson Manufacturing Solutions LLC' but the search results show 'Anderson Manufacturing Solutions, LLC' (with a comma). Filed twice now and both got rejected for debtor name mismatch. The loan closes next week and I'm getting nervous about the lien not being properly perfected. Is this a common issue with the Tennessee system or am I missing something basic here?

Nia Williams

•

Update on this - I ended up calling Tennessee SOS and they confirmed the comma version is correct in their system. Apparently when the LLC was registered the attorney included the comma and that's what stuck. Filed this morning with the comma version and it went through immediately.

0 coins

So the lesson is always call when in doubt? Good to know their office is responsive.

0 coins

Malik Jenkins

•

Perfect timing - I was just about to call them myself. Glad it worked out and thanks for sharing the resolution!

0 coins

I've been filing UCCs in Tennessee for 15 years and this comma issue comes up regularly. The state really needs to improve their search function to show all variations of entity names, not just exact matches. It would save everyone a lot of headaches.

0 coins

At least Tennessee processes rejections quickly so you don't waste weeks waiting to find out there's a problem.

0 coins

True, their turnaround time is pretty good. Just wish the front-end was more user-friendly.

0 coins

Prev1...596597598599600...684Next