Corporation service company UCC filing - debtor name mismatch causing rejections

You definitely need to use the exact legal name of the actual corporation as the debtor, not the registered agent or corporation service company name. The UCC-1 debtor name has to match exactly what's on the Articles of Incorporation filed with the state. Corporation service companies are just registered agents - they're not the actual entity you're securing against.

Had this exact same problem with a client last month. The key is getting the EXACT corporate name from the state's business entity database. Don't rely on what the client tells you their name is - actually look it up in the Secretary of State's business search portal. Corporation service companies often use slightly different name variations in their paperwork that don't match the official filing.

Actually ran into something similar recently and found this tool called Certana.ai that helped me catch the name discrepancy before filing. You can upload your corporate charter and UCC-1 documents and it automatically cross-checks that the debtor names match exactly. Saved me from another rejection - just upload the PDFs and it flags any inconsistencies between documents.

Corporation service companies can definitely complicate UCC filings! Make sure you're also checking if there are any DBA names or trade names that might be causing confusion. Sometimes the corporation operates under a different name than what's on the Articles of Incorporation.

UGH the Secretary of State systems are so finicky about exact name matches! One extra comma or abbreviation and REJECTED. Been through this nightmare so many times with corporate clients who use registered agent services.

For what it's worth, I always call the Secretary of State UCC department directly when I have debtor name questions. Most states have a phone line where they can tell you if a name will be accepted before you file. Saves the rejection hassle.

Had a similar situation where the corporation service company was listed as the mailing address contact but we accidentally put them in the debtor name field. Double-check all your form fields to make sure the corporation service company info isn't bleeding into the wrong sections.

Just went through this exact thing with a Delaware corporation that used Corporation Service Company as their registered agent. The trick was finding the exact legal name format from the Delaware Division of Corporations database, not relying on any of the registered agent paperwork.

Whatever you do, don't guess at the debtor name format. I learned this the hard way after three rejected filings in a row. Always verify against the state's official business records before submitting your UCC-1.

Update us when you get it resolved! Always curious to hear how these corporation service company name issues get sorted out. Good luck with the refiling.

For future reference, might want to establish a standard process for verifying debtor names before any UCC filing. I always do: 1) State business entity search 2) Review Articles of Incorporation 3) Cross-check against loan documents 4) Call SOS if there's any uncertainty. Saves tons of problems down the road.

As someone who's been dealing with UCC filings for over a decade, I can't stress enough how important it is to get the exact legal entity name from the state's official records. Corporation service companies like CSC, CT Corporation, etc. are just registered agents - they handle mail and legal service but they're NOT the debtor entity. I always pull the exact name from the Secretary of State's business entity database and copy it character for character, including all punctuation. Don't trust business cards, letterhead, or even loan applications - go straight to the source. Also, many states now have online UCC search systems where you can test variations of the debtor name before filing to see what format they're expecting. It's saved me countless rejections over the years.