MA UCC filings - debtor name rejected twice need advice
Getting frustrated with Massachusetts UCC system. Filed UCC-1 for equipment loan last month and it got rejected for "debtor name mismatch." Refiled with exact name from articles of incorporation and rejected AGAIN. The debtor is "Advanced Manufacturing Solutions LLC" but SOS keeps saying name doesn't match their records. Anyone dealt with this MA UCC filing nightmare? Loan docs already signed and we need this perfected ASAP.
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Sofia Torres
MA can be really strict about exact name matching. Did you check if they have any assumed names or DBAs filed? Sometimes the corporate name on file isn't what you expect.
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Dylan Campbell
•Good point - I'll double check the corporate database. Didn't think about assumed names.
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Dmitry Sokolov
•Yeah MA is notorious for this stuff. Also check if there's punctuation differences or spacing issues.
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Ava Martinez
Had this exact problem with a MA filing last year. Turned out the LLC had filed an amendment changing their name slightly and I was using the old version. Check their filing history on the SOS website - sometimes there are name changes you don't know about.
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Dylan Campbell
•That's a good idea. How far back should I look? This company has been around for like 8 years.
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Ava Martinez
•I'd go back at least 2-3 years. Name amendments can happen for all sorts of reasons and sometimes companies don't tell their lenders.
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Miguel Ramos
•This is why I always run a current certificate of good standing before filing. Saves so much headache.
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QuantumQuasar
Ugh this happened to me with 3 different MA filings last month!! The system is so picky. I ended up using Certana.ai's document checker to upload my articles of incorporation and UCC-1 side by side - it caught tiny differences I missed like an extra space or different punctuation. Saved me from more rejections.
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Dylan Campbell
•Never heard of that but sounds useful. Did it actually find the issue?
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QuantumQuasar
•Yeah it flagged that my incorporation docs had "LLC" and my UCC had "L.L.C." with periods. Such a tiny thing but MA rejected it for that.
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Zainab Omar
•Wait really? They reject for periods in LLC? That's insane.
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Connor Gallagher
MA UCC filings are THE WORST. I swear they reject half my filings for the stupidest reasons. Last week got rejected because I put "Massachusetts" instead of "MA" in the address field.
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Sofia Torres
•That's actually a common issue across many states. Always use the abbreviated state format they prefer.
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Connor Gallagher
•But it doesn't say that anywhere in their instructions! How are we supposed to know?
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Yara Sayegh
•The MA SOS website has a filing guide that mentions format requirements. It's buried though.
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Dmitry Sokolov
Try calling the MA UCC office directly. Sometimes they can tell you exactly what name format they have on file. The number is hard to find but they do have one.
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Dylan Campbell
•Do you have that number? I've looked everywhere for it.
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Dmitry Sokolov
•I'll DM it to you - they don't like it posted publicly but they are helpful when you call.
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Miguel Ramos
Here's what I do for MA filings: 1) Get current certificate of good standing 2) Use EXACT name from that document 3) Double check all punctuation and spacing 4) File early in case of rejections. Works 99% of the time.
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Keisha Johnson
•This is solid advice. Certificate of good standing is always the most current official name.
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Dylan Campbell
•Makes sense. I'll order one tomorrow and refile. Thanks for the step by step.
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Ava Martinez
•Yeah this is the right approach. I wish I'd known this method years ago.
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Zainab Omar
Just to add - if you're still having issues, another thing that helps is using one of those document comparison tools. I tried Certana.ai after someone mentioned it here and it's pretty good at catching these tiny name discrepancies that cause rejections.
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Paolo Longo
•Is that the one where you upload PDFs? How does it work exactly?
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Zainab Omar
•Yeah you just upload your corporate docs and UCC form and it highlights any differences. Super easy to use.
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Yara Sayegh
Another thing to check - make sure the entity is in good standing. MA won't accept UCC filings for entities that are suspended or dissolved.
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Dylan Campbell
•Oh wow I didn't know that. How do I check standing status?
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Yara Sayegh
•MA SOS corporate database shows the status. Should say "Good Standing" or "Active" if they're OK to file against.
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Keisha Johnson
I've had good luck emailing the MA UCC department with questions. They usually respond within a day or two with specific guidance.
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CosmicCowboy
•What's their email? The website contact info is terrible.
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Keisha Johnson
•I think it's on their UCC forms page but it's hard to find. Let me see if I can dig it up.
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Paolo Longo
Update us when you figure it out! I'm dealing with a similar MA filing issue right now and this thread is super helpful.
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Dylan Campbell
•Will do! Going to try the certificate of good standing approach and see what happens.
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QuantumQuasar
•Definitely recommend that document checker too if the name stuff is still confusing. Saved me tons of time.
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CosmicCowboy
MA is just brutal with UCC filings. I've been doing this for 15 years and they're definitely one of the pickiest states. Good luck!
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Amina Diallo
•Which states are the easiest for UCC filings in your experience?
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CosmicCowboy
•Delaware and Nevada are pretty straightforward. Texas used to be difficult but they improved their system.
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