AR UCC filing got rejected - debtor name mismatch nightmare

This is exactly right. AR doesn't mess around with name variations at all. Even missing periods or commas will trigger a rejection.

Had the same issue last month! The comma thing is so frustrating but you just have to follow their exact format or it's an automatic reject.

Unfortunately with name errors, you typically need to refile the original UCC-1. Amendments usually won't fix fundamental debtor identification issues.

You could try calling AR SOS directly but in my experience they'll tell you the same thing - refile with correct name.

Never heard of Certana but that sounds useful. How does it work exactly?

You just upload the PDFs and it automatically compares debtor names, addresses, all the critical fields. Catches stuff like the comma issues that would cause rejections.

Interesting, might have to check that out for our next batch of filings.

Good point, I was just going off our loan paperwork. Let me check their actual charter record first.

This is the way. Always verify with the state records before filing, not the client's documents.

Amen! Some states are so much easier to work with. AR makes you jump through hoops for everything.

At least they're consistent? Better than states that randomly accept or reject the same formatting.

I guess that's true but it's still a pain when you're under deadline pressure like this person.

Filed online through their portal. The rejection notice just said 'debtor name does not match records' but didn't specify what the correct format should be.

Typical AR SOS - vague error messages that don't actually help you fix the problem.

They're being somewhat understanding but keep asking for status updates every few hours. The borrower is getting nervous too.

That's actually pretty good - some lenders completely freak out over UCC delays. At least they're working with you.

How accurate is it? Does it catch everything or do some issues still slip through?

It's been really reliable for me - catches name mismatches, address formatting, even inconsistent collateral descriptions. Haven't had a rejection since I started using it.

Good call, I'll review that section before refiling. This whole process is making me paranoid about every detail now.

Better to be paranoid than deal with another rejection! Take your time and get it right the second time.

Will do! Hoping to get this refiled today with the correct formatting and avoid any more delays.

Fingers crossed for you! These tight deadline situations are so stressful.

Yeah keep us posted - I'm dealing with a similar situation in another state so your experience might help me too.