Arkansas UCC form filing - debtor name exact match requirements?

This is so frustrating! Why can't they just have a fuzzy match system like some other states? Seems like such a waste of time and filing fees when you have to resubmit.

The exact match requirement exists for good reason - it prevents confusion about which entity actually granted the security interest. Better to be precise upfront than deal with priority disputes later.

Good advice. I always pull the Articles of Incorporation directly from the Secretary of State website to copy the exact legal name. Takes an extra 5 minutes but saves potential headaches later.

Smart approach. I've seen too many perfected security interests fail because someone thought 'LLC' and 'L.L.C.' were the same thing to the filing system.

Never heard of that tool. Does it work well for catching these kinds of name mismatches? I'm always paranoid about getting the debtor name wrong.

It's really straightforward - just upload your PDFs and it cross-checks all the document details. Caught a few issues I would have missed doing manual comparison. Worth trying if you're handling multiple filings.

Anything that helps avoid rejected filings is worth looking into. The Arkansas SOS system is pretty unforgiving about these details.

Oh man, the address formatting! I had one rejected because I used 'Street' instead of 'St.' - apparently the USPS database match failed.

The USPS address standardization is a pain but it does help with mail delivery for notices. Just another thing to double-check before submitting.

Good point about the search. Sometimes you'll find the debtor has used different name variations in past filings, which can help you understand their naming patterns.

I always do a pre-filing search anyway to check for existing liens. Better to know about prior perfected interests before you file.

Their FAQ section is actually pretty helpful for this stuff. I bookmark it whenever I'm doing Arkansas filings.

Wish more states had clear guidance like Arkansas does. Some states leave you guessing about their exact requirements.

What's your take on collateral descriptions for equipment? I always struggle with how specific to be versus keeping it broad enough to cover future acquisitions.

For equipment like CNC machines, I usually go with 'all equipment, machinery, and fixtures now owned or hereafter acquired' plus a specific description of the major pieces. Gives you current coverage and future acquisition protection.

That's the approach I use too. The broad language protects against after-acquired property issues while the specific description helps with identification.

So true. I had a client who did business as 'QuickPrint' but their legal name was 'Johnson Brothers Printing Services, Inc.' - completely different names.

The DBA versus legal name confusion trips up a lot of people. The UCC filing has to be against the legal entity that actually owns the collateral.

Which service did you use? I'm always looking for tools that can catch these kinds of errors before submission.

It was Certana.ai - just drag and drop your PDFs and it compares all the details. Pretty handy for double-checking before you submit to the state.

Exactly right. When in doubt, go with the most formal, complete version of the legal name. The Arkansas system won't give you any flexibility on this.

And make sure to keep a copy of the Articles you used for the name verification. Helps if there are any questions later about why you used that specific name format.

Good practice. I always attach a copy of the Articles to my client file when I do UCC filings, just to document where I got the legal name.