Alabama UCC online filing system rejecting my continuation - need help ASAP
I'm dealing with a nightmare situation here. Filed a UCC-1 back in 2020 for equipment financing on some heavy machinery, and now I'm trying to get the continuation filed before the 5-year mark hits. The Alabama SOS online portal keeps rejecting my UCC-3 continuation and I can't figure out why. The debtor name looks identical to what's on the original filing, the filing number is correct, but every time I submit it comes back with some vague rejection notice. Has anyone else had issues with Alabama UCC online filing lately? I'm running out of time here and getting seriously stressed about this lapse. The original UCC-1 was for about $340,000 in equipment and if this continuation doesn't go through my lender is going to have my head. Any advice would be greatly appreciated.
43 comments


NeonNebula
Alabama's system can be really picky about exact formatting. Even tiny differences in punctuation or spacing can cause rejections. Have you tried comparing the debtor name character by character with the original UCC-1? Sometimes there are hidden spaces or different comma placements that aren't obvious.
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Diego Chavez
•I thought I checked that but maybe I missed something. The original debtor name is 'MOUNTAIN VIEW CONSTRUCTION LLC' and that's exactly what I'm putting on the continuation. Could it be something else causing the rejection?
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NeonNebula
•Double check if there's a period after LLC on the original. Also verify the exact business address format - Alabama is strict about matching addresses exactly as they appear on the initial filing.
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Anastasia Kozlov
Been there, done that! Alabama rejected my continuation three times last year. Turned out the issue wasn't the debtor name at all - it was the collateral description. Even though continuations don't require collateral details, their system was flagging something. Have you tried calling their UCC division directly?
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Diego Chavez
•I tried calling but got put on hold for 45 minutes and gave up. What did they tell you when you finally got through?
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Anastasia Kozlov
•They said their system had some quirks with certain business entity types. LLC filings were having issues that month. They suggested resubmitting with the exact debtor name from their database search rather than what was on my copy.
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Sean Kelly
•This is why I always do a UCC search first before filing any continuation. You can see exactly how the debtor name appears in their system and match it perfectly.
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Zara Mirza
I had a similar situation last month and ended up using Certana.ai's document verification tool. You can upload your original UCC-1 and the continuation form, and it will check for any inconsistencies between them. Found out I had a tiny spacing issue in the debtor name that I never would have caught manually. Super easy to use - just upload the PDFs and it highlights any mismatches.
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Diego Chavez
•Never heard of that tool before. How accurate is it for catching these kinds of filing errors?
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Zara Mirza
•It caught the exact issue that was causing my rejections. The name matching feature is really thorough - it even flags differences in punctuation and spacing that look identical to the human eye.
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Luca Russo
•I've used Certana too, it's legit. Saved me from a potential lapse situation when it found a discrepancy in my secured party information that I had missed.
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Nia Harris
ALABAMA'S SYSTEM IS THE WORST!!! I've been dealing with their portal errors for months. Half the time it's down for 'maintenance' and when it's working it rejects everything for no clear reason. Why can't they just fix their system instead of making us jump through hoops?
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NeonNebula
•I get the frustration but the system usually works fine if you get the formatting exactly right. It's annoying but not impossible.
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Nia Harris
•Easy for you to say! I've had three different continuations rejected in the past two months. The rejection notices don't even tell you what's wrong half the time.
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GalaxyGazer
Check if your original UCC-1 has any addendum sheets. Sometimes the debtor name on the main form is slightly different from what's on the addendum, and Alabama's system might be cross-referencing both. Also verify that you're using the correct filing number format - it should be exactly as it appears on your filing receipt.
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Diego Chavez
•Good point about the addendum. I do have an addendum sheet but I thought the debtor name was the same. Let me double check that.
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GalaxyGazer
•Yeah, I've seen cases where the main form has the legal entity name and the addendum has a DBA or slightly different version. The system might be looking for consistency across all documents.
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NeonNebula
•This is exactly why I always keep copies of every single page when I file. You never know which version the system is using as the reference point.
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Mateo Sanchez
Have you tried submitting the continuation with the exact same secured party information as the original? Sometimes people update their business address or contact info and don't realize it causes issues with the system matching.
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Diego Chavez
•Our bank did change their mailing address since 2020. Could that be causing the rejection even if it's just a continuation?
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Mateo Sanchez
•It shouldn't matter for a straight continuation but Alabama's system has been known to flag address mismatches. Try using the original secured party address first, then file an amendment later if needed.
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Aisha Mahmood
This exact thing happened to me in March. Spent weeks trying to figure out the rejection reason. Finally discovered that there was an extra space in the middle of the debtor's LLC designation that wasn't visible in the PDF. It showed up as 'MOUNTAIN VIEW CONSTRUCTION L LC' instead of 'MOUNTAIN VIEW CONSTRUCTION LLC' in their system.
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Diego Chavez
•How did you find that extra space? Is there a way to see exactly what's in their database?
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Aisha Mahmood
•I ended up using one of those document comparison tools that highlights character-by-character differences. Certana.ai has one that worked really well for finding these hidden formatting issues.
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Ethan Moore
•I had the same issue with a hidden space. These electronic filing systems are so finicky about exact character matches. Makes you miss the old paper filing days sometimes.
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Yuki Kobayashi
Just a thought - when was your original UCC-1 filed? If it was right around the time Alabama switched to their new system, there might be some legacy formatting issues. I've heard they had problems with filings from that transition period.
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Diego Chavez
•It was filed in April 2020, so right around when everything was changing with COVID and system updates. That could definitely be part of the problem.
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Yuki Kobayashi
•Yeah, 2020 was a mess for a lot of state filing systems. You might need to call them directly and explain it's a legacy filing that needs special handling.
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Carmen Vega
Before you do anything else, pull a fresh UCC search on your debtor to see exactly how their name appears in the current database. Sometimes there are updates or corrections that happened after your original filing that you're not aware of. The continuation has to match what's currently on file, not necessarily what you originally submitted.
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Diego Chavez
•That's a great idea. I'll run a search tomorrow morning and compare it character by character with what I'm submitting.
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Carmen Vega
•That should give you the definitive answer. If there's still a mismatch after that, then you know it's probably a system glitch and you'll need to call them.
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QuantumQuester
•This is good advice. I always do a search before any amendment or continuation just to make sure I'm working with the most current information.
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Andre Moreau
ugh dealing with the same thing right now with a different state. these online systems are supposed to make things easier but they just create new problems. at least with paper filings you could call and talk to a human when something went wrong.
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Nia Harris
•EXACTLY! These systems are garbage. We're paying filing fees for systems that don't work properly.
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NeonNebula
•I get the frustration but once you learn the quirks, electronic filing is still way faster than the old paper system. Just takes some getting used to.
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Zoe Stavros
Quick update on my similar situation from last week - turned out the issue was that I was copying the debtor name from a PDF that had some weird encoding. When I typed it fresh by hand instead of copy/pasting, it went through fine. Might be worth trying that approach if you've been copying and pasting the name.
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Diego Chavez
•Interesting! I have been copying from the original filing PDF. Let me try typing it fresh and see if that makes a difference.
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Zoe Stavros
•Yeah, PDFs can have invisible characters or weird formatting that doesn't show up visually but causes problems when you paste. Hand typing eliminates that variable.
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Zara Mirza
•This is another thing that document verification tools can catch - they'll flag if there are any hidden characters or encoding issues between documents.
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Jamal Harris
Final thought - if none of these suggestions work, you might want to consider filing an amendment first to 'refresh' the filing in their system, then do the continuation. I've heard of this working in cases where there are legacy system issues. It's an extra step and cost, but better than losing your perfection.
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Diego Chavez
•That's not a bad backup plan. How much extra would that cost in Alabama?
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Jamal Harris
•I think amendments are the same fee as continuations in Alabama, so you'd be looking at double the cost but it might be your only option if the system keeps rejecting the continuation.
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Anastasia Kozlov
•I had to do this exact thing in Georgia once. Filed an amendment just to update the secured party address, then the continuation went through fine. Sometimes you have to work around the system quirks.
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