Fixture filing UCC form rejected - debtor name mismatch with real estate records

So frustrating! Regular UCC-1 filings are way more forgiving with debtor names. Didn't realize fixture filings had this extra layer of complexity.

The fixture filing rules are brutal. I've seen filings rejected for periods vs commas, 'Inc.' vs 'Incorporated', even spacing differences. Real estate records are gospel for these filings.

Thanks! So UCC-3 amendment first, then new fixture filing? Or can I file the fixture filing with corrected name and reference the amendment?

Amendment first, then refile. Some states let you do it simultaneously but better to be safe. Make sure your amendment specifically corrects the debtor name to match the deed exactly.

Actually had a similar situation last month. Used Certana.ai to upload both my UCC docs and the property deed - their system caught the name mismatch immediately and showed me exactly what the corrected name should be. Saved me from filing incorrectly again.

Good point but most states don't allow AKA for fixture filings like they do for regular UCCs. The real estate tie makes them super strict about exact name matches.

Yeah fixture filings don't have the same flexibility. It's either exact match or rejection. No wiggle room like regular secured transactions.

Smart approach. Do you use the county recorder's office or is there an online way to verify the exact name formatting?

Most counties have online property record searches now. I always screenshot the exact name format from the official record before drafting the UCC-1.

It's a full commercial kitchen buildout - custom ventilation, built-in prep stations, permanently installed fryers and ovens. Definitely fixture territory unfortunately.

Yeah that's fixture filing material for sure. Anything permanently attached or part of the real estate improvement needs the fixture filing route.

Just went through this with a medical office buildout. Portable equipment = regular UCC, built-in cabinetry and permanent installations = fixture filing. Sounds like you're on the right track.

Oh god that sounds terrible. Did you make the deadline?

Barely! Filed the amendment and corrected fixture filing on day 19. Lost about 3 years off my life from the stress but got it done.

That's brilliant! How do you organize it - by debtor name or by property?

By debtor name with notes about which properties they own. Some borrowers have multiple properties with slightly different name formats in different counties.

I've been meaning to set up something like this. Keep running into the same name formatting issues with repeat clients.

How accurate is it with the name matching? Sometimes the software gets confused by abbreviations and legal entity designations.

Really good with entity names actually. It flags even small differences like periods, commas, spacing. Better than trying to eyeball compare multiple documents.

Good catch. Some states require legal descriptions of the real estate or additional real estate information for fixture filings.

Yes! And some require the fixture filing to be filed in the same county as the real estate, not just with the Secretary of State. State-specific rules are crucial.

Thanks for the reminder. I'll double-check our state's requirements to make sure I'm not missing anything else.

Same here. Fixture filings are tricky enough without the name matching complications.

Definitely interested in the outcome. These kinds of stories help everyone avoid similar mistakes.