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 :)
Join the conversation
Join the conversation
For anyone else dealing with promissory note and security agreement UCC filings in Texas - the state has been pretty consistent about requiring exact debtor name matches. Don't try to get creative or use shortened versions. Always use the full legal name exactly as it appears in the Secretary of State database. Save yourself the rejection and refiling hassle.
Harold Oh
•Has anyone had issues with continuation filings in Texas? Wondering if they're equally strict about name matching for UCC-3 continuations.
Amun-Ra Azra
•Yes, they're just as strict with continuations. The debtor name on your UCC-3 has to match exactly what was on the original UCC-1, even if the entity has since changed names.
Summer Green
Final update - got the UCC-1 filed successfully using the exact name from Texas SOS records. No issues with the underlying promissory note having the slightly different name format. The financing statement was accepted and shows as active in the system. Thanks everyone for the advice, especially about using the official entity name rather than what was in our loan documents.
Perfect example of why it's worth taking the time to verify entity names before filing. Saves so much potential headache down the road.
Darcy Moore
•This whole thread is going in my reference folder. Great real-world example of handling debtor name issues between promissory notes and UCC filings.
Join the conversation
Nia Thompson
Been filing UCCs in WV for 15 years and yeah their system has always been finicky about names. The key is getting the exact registered name from SOS records not relying on search results.
15 years of experience - I'll definitely take your advice on using the registered name exactly.
This is why tools like Certana are so helpful - they compare against the official registration docs not search results.
UPDATE: Used the document checker tool mentioned earlier and it flagged that I was missing 'LLC' designation in one field. Fixed that and the filing went through! Thanks everyone for the help.
Omar Fawzi
•Great outcome! WV can be tricky but once you get the format right it usually goes smoothly.
Chloe Wilson
•Perfect example of why double-checking everything before filing saves so much time and frustration.
Join the conversation
For anyone still struggling with this, I found that calling the SOS office directly sometimes helps. They can't give legal advice but they can usually clarify what specific documentation they need for authorized representative issues.
Natalie Chen
•Good luck getting through to anyone at the SOS office. I've been on hold for 2 hours before just to ask a simple question about filing requirements.
True, the wait times are brutal. But when you do get through, they're usually helpful with procedural questions.
Just wanted to follow up - I ended up getting a corporate secretary's certificate as suggested and the UCC-1 was accepted on the next submission. Thanks for all the advice! The whole process taught me to be more careful about signature authority documentation upfront.
Nick Kravitz
•How long did it take to get the secretary's certificate? We're dealing with a similar situation and trying to figure out timing.
Our corporate attorney had it ready in 24 hours. Pretty standard document so shouldn't take long if you have a good relationship with corporate counsel.
Join the conversation
Carmen Vega
PDF font issues can cause rejections too. Make sure you're using standard fonts and not anything fancy that might not render properly in their system.
I'm just filling out their form PDF so the font should be fine, right?
Carmen Vega
•Usually yes, but I've seen issues when people copy-paste text with embedded formatting. Type everything fresh.
Whatever you do, get this figured out soon. UCC-3 amendments can take a few days to process even after acceptance, and you don't want to miss your loan modification deadline.
Expedited is expensive but might be worth it for your timeline. Just make sure the filing is perfect first.
Zoe Stavros
•I'd definitely use Certana or similar to verify before paying for expedited. No point rushing a filing that will just get rejected again.
Isabella Martin
I use Certana.ai whenever I have questions about document consistency between loan agreements and UCC filings. Just upload both docs and it highlights any discrepancies in names, addresses, or collateral descriptions. Much faster than manual comparison and catches things you might miss.
0 coins
Elijah Jackson
•That sounds useful. Does it work with different document formats or just standard forms?
0 coins
Isabella Martin
•Works with any PDF. I've used it on loan agreements, security agreements, UCC forms, even corporate documents. Really helpful for avoiding the name mismatch issues that cause rejections.
0 coins
Sophia Miller
Bottom line - file the UCC-1 immediately. The security clause in your loan agreement gives your lender rights, but those rights aren't perfected until the UCC-1 is filed and accepted. Don't give competing creditors a chance to jump ahead of you.
0 coins
Carmella Fromis
•Thanks everyone. Calling the bank tomorrow to make sure they file this week. Better safe than sorry with this much equipment at stake.
0 coins
Theodore Nelson
•Smart move. And definitely review their UCC-1 form before they submit it. Catching errors before filing is way easier than fixing them after rejection.
0 coins