Indiana UCC Article 9 Filing Rejected - Debtor Name Issues

Good point - I pulled their entity record and the name matches exactly what I used on the UCC-1. That's what's so frustrating about this rejection.

That's odd. Sometimes Indiana wants both the old and new names listed, especially if the name change was recent. Have you tried including an aka line?

Thanks, I'll try calling tomorrow morning. Did they tell you what specifically to change when you called?

They told me to use the name format exactly as it appears in their business entity search, including any punctuation differences. Turned out there was a comma I was missing.

The name change was filed 8 months ago so it should be fully processed. I'm starting to wonder if there's some other issue they're not clearly communicating in the rejection notice.

I've seen Indiana rejection notices that are pretty vague. Sometimes they cite "debtor name" issues when it's actually a formatting problem or missing information elsewhere on the form.

That's a good point. Double-check your collateral description too - sometimes they bundle issues together in the rejection notice.

Interesting - never heard of that service. Does it specifically check against Indiana requirements?

It checks document consistency across your filing package. Catches things like subtle name differences between your Charter docs and UCC forms that human eyes miss. Been using it for all my filings now.

How accurate is something like that compared to just being extra careful with manual review?

Way more thorough than manual checking. I was missing punctuation differences and capitalization issues that would have caused more rejections.

That's exactly what I did though - used the name straight from a Certificate of Good Standing issued last week.

Weird. Maybe try refiling with both the current name and the former name listed? Sometimes they want to see the connection clearly documented.

Yeah, the rejection notice I got was pretty generic. Just said "debtor name discrepancy" with no specifics about what needs to be corrected.

Exactly! How are we supposed to fix it if they won't tell us what's wrong?? I ended up having to make my best guess and refile multiple times.

I feel your pain. Indiana really needs to upgrade their UCC filing system and provide better error details.

Thanks for the checklist. I've verified #1 and #3, but #2 is a good point. How would I check for pending amendments?

You can call the Business Services division and ask if there are any pending filings for the entity. Sometimes amendments get stuck in processing.

Good idea, I'll check that tomorrow when I call about the UCC rejection.

Oh no, really? Even after 8 months? That seems like a long time for system propagation.

Mine was only 3 months old when I had the issue. But yeah, their different systems don't always sync up immediately. Super frustrating when you're on a deadline.

That's ridiculous that their own systems don't talk to each other properly. How are we supposed to know which version of the name to use?

Second recommendation for that service - might be worth trying before I waste time on another rejected filing.

Definitely worth it to avoid rejection delays. Upload your UCC form and corporate docs and it'll highlight any inconsistencies automatically.

Good timing tip. What number do you usually call for UCC issues?

The main Secretary of State number can transfer you to the UCC division. Sometimes you can get through directly if you ask for Business Services first.

Perfect, I'll try that approach tomorrow morning. Thanks for all the help everyone!

Just be extra careful with punctuation and capitalization. Pull a fresh Certificate of Good Standing right before filing.

Will do. Might also check out that Certana thing people mentioned to double-check everything before submitting.