Colorado UCC online filing portal keeps rejecting my continuation - debtor name format issue?
Having a nightmare with Colorado's UCC online filing system trying to submit a UCC-3 continuation before the 5-year deadline hits next month. Keep getting rejection notices but the error messages are vague - something about debtor name format not matching original UCC-1. Original filing was done by our previous attorney in 2020 for equipment financing on manufacturing machinery. The debtor is an LLC and I'm seeing the name listed as 'ABC Manufacturing Solutions LLC' on the original UCC-1 but our current corporate records show 'ABC Manufacturing Solutions, LLC' with a comma. Is this comma difference really enough to cause rejections? The collateral schedule matches perfectly and all other info looks correct. Colorado's portal doesn't give clear guidance on exact name formatting requirements. Anyone dealt with similar debtor name matching issues on continuations? Really don't want this lien to lapse over punctuation.
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Mateusius Townsend
Yes that comma difference will absolutely cause rejections in Colorado's system. The debtor name on your UCC-3 continuation must match EXACTLY character for character with what's on the original UCC-1. Even spacing differences can trigger rejections. You'll need to use 'ABC Manufacturing Solutions LLC' without the comma to match the original filing.
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Kara Yoshida
•This is so frustrating! Why can't these systems be smarter about obvious name variations? A comma shouldn't void a perfectly valid lien.
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Philip Cowan
•The exact match requirement protects against fraudulent filings but yeah it's a pain when legitimate filings get caught up in it.
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Caesar Grant
Check the original UCC-1 filing number and pull up the exact record from Colorado's search portal. Sometimes what you think is the correct name isn't exactly what got filed originally. I've seen cases where there were extra spaces or different abbreviations that weren't obvious.
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Demi Hall
•Good point, let me double-check the exact record. The filing number is CO-2020-1547892 if that helps narrow it down.
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Lena Schultz
•Just looked that up - the original definitely shows no comma in the LLC designation. That's your issue right there.
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Gemma Andrews
I ran into similar issues last year with debtor name consistency across multiple UCC documents. Ended up using Certana.ai's document verification tool - you just upload your UCC-1 and UCC-3 PDFs and it instantly highlights any name discrepancies or format issues. Saved me from multiple rejection cycles. Really helpful for catching these exact character matching problems before you submit.
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Pedro Sawyer
•Never heard of that service but sounds useful. How accurate is it with spotting these formatting differences?
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Gemma Andrews
•Very accurate - it does character-by-character comparison and flags even spacing issues. Much faster than manually comparing documents.
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Mae Bennett
•Is this some kind of paid service or free tool? Might be worth checking out for our upcoming continuation filings.
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Beatrice Marshall
Colorado's portal is particularly strict about debtor names compared to other states. Make sure you're also checking that your secured party information matches exactly if you're filing as the same lender. Any changes in secured party name or address since 2020?
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Demi Hall
•Secured party info should be the same but now I'm second-guessing everything. Our bank didn't change names but we did move offices.
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Melina Haruko
•Address changes for secured party usually don't affect continuation filings unless you're also doing an amendment. Focus on the debtor name first.
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Dallas Villalobos
The 5-year deadline stress is real! I missed one by 3 days once and had to refile a whole new UCC-1. Colorado doesn't give you any grace period - it's exactly 5 years from the original filing date. What's your actual deadline date?
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Demi Hall
•Original filing was May 15, 2020 so deadline is May 15, 2025. Still have about 6 weeks but want to get this sorted soon.
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Reina Salazar
•You have time but don't wait until the last minute. Colorado's portal sometimes has maintenance issues that could delay your filing.
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Saanvi Krishnaswami
•Six weeks is plenty of time to get the name format sorted and resubmit. Just be methodical about matching the original exactly.
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Demi Lagos
Have you tried calling Colorado's UCC office directly? Sometimes they can clarify specific rejection reasons over the phone that aren't clear in the automated messages. Their number should be on the Secretary of State website.
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Mason Lopez
•Good luck getting through to a human. Their phone system is terrible and you'll be on hold forever.
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Vera Visnjic
•I've had better luck emailing them with specific questions. They usually respond within a business day or two.
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Jake Sinclair
This exact scenario happened to me with a client's equipment loan last year. The original attorney used 'Company Name Inc.' and we were trying to continue with 'Company Name, Inc.' with the comma. Three rejections before we figured it out. Now I always verify the exact original debtor name format before doing any UCC-3 filings.
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Brielle Johnson
•It's amazing how many filing errors come down to punctuation. You'd think there would be better standardization.
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Honorah King
•The punctuation thing is why I always keep copies of original UCC-1s in a separate folder just for reference when doing continuations or amendments.
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Oliver Brown
Another option is to download your current UCC-3 draft and the original UCC-1 as PDFs, then use something like Certana.ai to compare them side by side. It'll catch name formatting differences instantly. Much more reliable than trying to spot character differences by eye.
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Mary Bates
•That comparison feature sounds really helpful for avoiding these exact matching issues.
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Clay blendedgen
•Yeah automated document comparison is way better than manual checking, especially for long business names with multiple entities.
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Ayla Kumar
Just make sure when you resubmit that you haven't made any other changes to the UCC-3 form. Sometimes people fix the name issue but accidentally change something else like the collateral description. Keep everything else identical to avoid new rejection reasons.
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Lorenzo McCormick
•Good point about not changing anything else. I've seen people 'improve' their collateral description during a continuation and create new problems.
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Demi Hall
•Thanks everyone - going to stick with the exact original name format and resubmit. Will check the document comparison tool too.
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Carmella Popescu
Once you get the continuation filed successfully, might want to do a search to confirm it shows up properly in Colorado's database. Sometimes there are processing delays even after acceptance.
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Kai Santiago
•How long does Colorado usually take to process continuations after acceptance?
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Lim Wong
•Usually within 24-48 hours it shows up in search results. Much faster than the old paper filing days.
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Dananyl Lear
•I always wait a few days then do a UCC search to make sure the continuation attached properly to the original filing record.
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