Filing a UCC statement - debtor name variations causing rejections

Yeah I thought about that but wasn't sure if the certificate would show the exact formatting. Will request one tomorrow morning. This is stressing me out big time.

Certificate is your best bet. Also check their registered agent filing - sometimes that shows the exact name format too.

Ugh, didn't even think about name changes. How far back did you have to go?

Found the issue about 18 months back. They'd done a registered agent change and somehow the name got tweaked in the process. Pain in the neck but at least we found it.

This is why I always pull a full entity history before filing anything. Saves so much headache later.

Never heard of that but sounds like exactly what I need right now. Is it pretty straightforward to use?

Super easy - literally just upload your documents and it highlights any inconsistencies. Takes like 30 seconds and catches stuff you'd never notice manually.

I've used similar tools before but they usually miss the nuanced stuff. Does this one actually catch punctuation differences?

Yep, it's designed specifically for UCC work so it knows to flag commas, periods, abbreviations - all that technical stuff that trips up filings.

I feel your pain but they have to be strict about it. The whole point of the UCC system is precise identification.

I get that but when it's clearly the same entity and just a punctuation thing, there should be some common sense involved.

The problem is 'clearly the same' isn't always clear to someone searching the records 5 years from now.

Filing electronically through their portal. Hadn't thought about hidden characters - I did copy-paste from their website. Could that be it?

Absolutely could be. Try typing it out manually instead of copy-pasting. Those hidden characters will kill you.

This! I had a filing rejected 3 times before I realized there was a non-breaking space character in there from copying off a PDF.

Tried that yesterday - got transferred 3 times and finally got someone who just read me the statute about exact legal names. Not super helpful.

Yeah their customer service is hit or miss. Sometimes you get someone who knows what they're talking about, other times... not so much.

Pretty sure it's their legal name but now you've got me second-guessing everything. I'll check for DBAs too.

Better safe than sorry. DBAs can really complicate the debtor name situation.

Yeah I've seen deals where they were filing under the DBA instead of the legal entity name. Big mistake.

They're definitely incorporated in-state, checked that first thing. But good point for others reading this.

Yeah the jurisdiction issue trips up a lot of people. Always check the state of incorporation first.

Two people have mentioned that now. Definitely going to try it. Can't afford another rejection with the closing next week.

Yeah it's designed exactly for this kind of situation. Better to catch it now than have problems down the road.

Will do. Hopefully I'll have good news by end of week. This whole process is way more complicated than it should be.

That's the UCC system for you - simple in concept, nightmare in execution sometimes.

Seriously. You'd think after all these years they'd have figured out a more user-friendly approach.