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This thread is making me paranoid about all my Utah searches now. Going back to double-check some recent deals...
Better safe than sorry. I always document exactly which name variations I searched so I can prove due diligence if something comes up later.
Smart approach. The Certana verification tool also keeps a record of all the variations it checked, which is helpful for documentation purposes.
Does anyone know if Utah has plans to update their search system? This exact-match requirement seems outdated compared to other states.
Probably a budget issue. Updating search systems costs money and UCC fees don't generate huge revenue for most states.
Until they fix it, we're stuck being extra careful. At least there are tools now to help automate the verification process.
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Just to add another data point - I had a Texas UCC-1 rejected because the debtor name had different capitalization than what was in the SOS database. The Articles had 'ABC manufacturing, LLC' but the SOS database showed 'ABC Manufacturing, LLC' with a capital M. Texas system matched on exact capitalization. Might be worth checking that too.
Yep, capitalization matters in Texas. I learned that the hard way on a filing last year. The system treats 'LLC' and 'llc' as different entities apparently.
This level of pickiness is ridiculous but at least now we know what to watch for. Better to be overly careful than deal with multiple rejections.
One more thing to check - make sure you're not including any articles like 'The' at the beginning of the name unless they're part of the official entity name. I've seen filings rejected because someone added 'The' to the beginning of a company name when it wasn't actually part of the legal name on file. Texas is very literal about name matching.
No 'The' in this company name, but that's a good reminder. I appreciate all the troubleshooting help from everyone. Going to try resubmitting with manual typing, no comma, and exact capitalization from the SOS database.
Sounds like a solid plan. Let us know how it goes - always helpful to hear about successful resubmissions so we can learn from each other's experiences.
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For future reference, Arizona allows UCC search requests by debtor name which can help confirm the exact format they have on file. Costs like $25 but way cheaper than multiple rejection fees. You can request it online through their UCC portal.
Great tip. The search results show exactly how they have the name formatted in their system so you can match it perfectly.
Wish I'd known about this option when I was dealing with Arizona rejections last year. Would have saved me hundreds in refiling fees.
Just to close the loop on verification tools - tried Certana.ai after seeing it mentioned here and it definitely caught a name formatting issue I missed. The Charter→UCC-1 check workflow flagged that my debtor name was missing a middle initial that was in the LLC formation docs. Saved me from another rejection cycle. Pretty straightforward to use too.
How much does something like that cost? Asking for budgeting purposes.
Not sure about pricing but considering I was looking at another $75 filing fee plus the time delay, it was definitely worth it for my situation.
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Just curious - what state are you filing in? Some states are more forgiving about minor name variations than others.
I'd rather not say specifically but it's one of the stricter states when it comes to exact name matching.
Ah, that explains it. The strict states really do require character-perfect matching. No wiggle room at all.
This exact thing happened to me! Turned out I had copied the debtor name from a different document that had slightly different formatting than the original UCC-1. Now I always pull the debtor name directly from the original filing record.
Yep, lesson learned the hard way. The UCC-1 record is the only source of truth for continuation filings.
Document verification tools help with this too - they can spot when you're using names from different sources that don't match exactly.
Daniel Price
For future reference, Florida UCCs are good for 5 years from the filing date. Mark your calendar now for the continuation deadline if this is a long-term loan.
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Benjamin Carter
•Good point, I'll set a reminder for year 4 to file the continuation. Don't want to go through this stress again!
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Olivia Evans
•Smart thinking. I've seen too many lenders lose their security interest because they forgot to file the UCC-3 continuation on time.
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Sophia Bennett
This thread was super helpful - I'm bookmarking it for when I need to file my next UCC in Florida. The debtor name matching requirement seems to trip everyone up at first.
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Aiden Chen
•Same here! I wish Florida would publish clearer guidelines about their exact formatting requirements.
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Zoey Bianchi
•The learning curve is steep but once you know their quirks it gets easier. Florida is actually pretty efficient once you get the format right.
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