CHM UCC1 Filing - Anyone Know What This Code Means on Rejection Notice?

Thanks! I'll double check the spacing. The debtor name has 'LLC' at the end - should that be with periods like L.L.C. or without?

Always without periods for UCC filings. The system gets picky about punctuation in entity names.

That makes sense! I wonder if it's the zip code - I used the full 9 digit one but maybe they want just the 5 digit version?

Most states prefer the 5 digit zip for UCC filings unless they specifically ask for the +4 extension. Try shortening it.

Yeah definitely try the 5 digit zip first. The extended zip codes mess up a lot of filing systems.

Never heard of that service - does it actually check against the specific state requirements?

Yeah it cross-references your document against filing requirements and highlights inconsistencies. Really straightforward - just upload the PDF and it shows you exactly what needs fixing.

Six times?? That's insane. What was the actual problem in the end?

Turned out the debtor had filed a name change with the state but it wasn't showing up in their regular database yet. Had to wait 3 weeks for it to sync.

Oh no that's my worst nightmare. I checked the entity status last week and it looked current.

Good point - where do I check the current registered name vs the articles?

Most states have an entity search on their SOS website. Look up the entity by its filing number and see what name is currently on record.

I copied it straight from the security agreement - '2024 ABC Manufacturing CNC Mill Model XYZ123, Serial Number 789456' - seemed pretty specific to me.

That looks good to me. Probably not the collateral description then. Stick with checking the name formatting first.

Yeah that collateral description is solid. Definitely sounds like a name or address formatting issue with the CHM code.

The state abbreviation! I bet that's it - I might have typed it out fully instead of using the 2-letter code.

Yep that'll do it. Always use the official 2-letter postal abbreviation for states in UCC filings.

Good idea - do they usually answer quickly or is it one of those hour-long hold situations?

Depends on the state but usually not too bad if you call mid-morning. Avoid Mondays and end of month when everyone's scrambling with filings.

Is it expensive though? I don't file enough UCCs to justify paying for a service.

It's pretty reasonable for what it does. Worth it just to avoid the frustration of multiple rejections, especially when you're dealing with tight deadlines.

Will do! Going to try fixing the state abbreviation first since that seems most likely.

Yeah definitely update us. I bookmark these threads for when I run into similar problems.