Initial coop UCC1 filing rejected - debtor name format issues

I did check but there are like 4 different name formats showing up in their search results for the same entity ID. How do I know which one is current?

Look for the most recent filing date - that's usually the current name format. Also check if any amendments changed the entity name recently.

Good advice. The phone wait is brutal but saves multiple rejections.

Did they charge you for each rejected filing attempt?

No, rejections don't charge the full fee but you waste time and risk missing continuation deadlines on other filings.

How does that work exactly? Do you just upload PDFs?

Yeah, super simple. Upload the charter docs and your UCC-1, it cross-checks all the entity details automatically. Catches stuff like this before you file.

That sounds helpful. Does it work with cooperative corporations specifically?

Tell me about it. Last month I had a continuation get rejected because they changed how they format 'LLC' vs 'L.L.C.' without notice.

EXACTLY! And then they act like it's your fault for not being psychic about their internal database quirks.

Great tip! Where do I find the annual report format? Same SOS portal?

Yes, business entity search should show recent annual reports. Look for the entity name as it appears on the most recent Form AR or equivalent.

This is gold. I never thought to check annual reports for name formatting.

Good point. The loan docs specify 'Riverside Gardens Housing Cooperative Inc.' as borrower but there's also 'Riverside Gardens Management LLC' in the corporate family.

Check your security agreement carefully - make sure the collateral is actually owned by the entity you're filing against.

That's risky advice. Most states require the complete legal name including entity type. Better to verify first.

Fair point, but if two attempts with full name failed, might be worth checking the rules on entity identifiers.

How did you finally figure out the right format?

Called the UCC office and they searched by entity ID number instead of name. That showed me exactly how it was formatted in their system.

That's not how alternative debtor names work. You can't just add variations of the same entity. Alternative names are for trade names or DBAs.

You're right, I was thinking of trade name situations. Ignore that suggestion.

Thanks for clarifying that. I was wondering if that was allowed.

Will do. Planning to call the UCC office tomorrow morning and try the annual report format approach.

Good luck! Hope you get it sorted before your deadline.

Does it handle all the state-specific formatting rules too?

Yes, it cross-references against state filing requirements. Super helpful for avoiding rejections.

Good reminder. The collateral is pretty straightforward - manufacturing equipment with serial numbers. Should be okay there.

Perfect. Serial numbers make it clean. Once you get the debtor name sorted you should be good to go.