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Tyler Murphy

Maryland UCC online filing system keeps rejecting my continuation - debtor name exact match issue

I'm dealing with a nightmare situation trying to file a UCC-3 continuation in Maryland's online system. The original UCC-1 was filed 3 years ago for our equipment financing deal, and now I'm 60 days out from the 5-year expiration. Every time I submit the continuation through the Maryland Department of Assessments portal, it gets rejected for "debtor name mismatch." I've triple-checked the debtor name against the original filing - it's EXACTLY the same character for character. The original debtor is "Precision Manufacturing Solutions LLC" and that's exactly what I'm entering. I've tried different browsers, cleared cache, even had my paralegal attempt the filing. Same rejection every time. Has anyone else run into this specific issue with Maryland's UCC online filing system? I'm starting to panic because if this continuation doesn't get filed properly, we're looking at a lapsed lien on $850,000 worth of manufacturing equipment. The rejection notices aren't giving me any useful details about what's actually wrong with the debtor name entry.

Sara Unger

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Maryland's system is notoriously picky about debtor names. Are you sure there aren't any hidden characters or spacing issues? Sometimes copying and pasting from the original filing can introduce invisible characters that cause rejections.

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Tyler Murphy

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I thought about that too. I've tried both copy/paste and manual typing. Even tried removing all spaces and re-adding them manually. Still getting the same rejection.

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This happened to me last month. Turned out there was a period after LLC in the original that I missed. Check for punctuation differences.

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Freya Ross

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Check the original UCC-1 filing certificate - not just your copy. Sometimes the secretary of state's office makes transcription errors when processing the initial filing, so what you submitted isn't what's actually on file.

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Tyler Murphy

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That's a good point. I pulled the certified copy from the Maryland SOS website and comparing it now. Hmm, the original shows "Precision Manufacturing Solutions, LLC" with a comma before LLC. I've been filing without the comma!

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Freya Ross

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Bingo! That comma is probably your issue. Maryland's system requires EXACT matches down to punctuation. Try the continuation again with the comma included.

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Leslie Parker

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This is why I always pull fresh copies before filing continuations. The SOS databases sometimes have different formatting than what was originally submitted.

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Sergio Neal

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I've been dealing with similar document consistency issues lately. Found this tool called Certana.ai that lets you upload your original UCC-1 and the new UCC-3 as PDFs and it automatically cross-checks all the debtor names, filing numbers, and other details to catch these exact mismatches before you submit. Saved me from a rejected continuation filing just last week when it caught a middle initial discrepancy I missed.

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Tyler Murphy

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That sounds incredibly useful. I'm definitely going to check that out. How does the verification process work exactly?

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Sergio Neal

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Super straightforward - just upload your UCC-1 and UCC-3 PDFs and it runs them through automated checks. Highlights any inconsistencies between the documents before you file. Takes maybe 2 minutes total.

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Wish I had known about this before my last filing disaster. Spent three weeks going back and forth with corrections.

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Juan Moreno

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OMG this is giving me anxiety just reading it. I have a continuation due in Maryland next month and now I'm terrified the same thing will happen to me. How do you even find these tiny differences without going crazy???

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Sara Unger

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Best practice is to always order a certified copy of the original filing before preparing any amendments or continuations. Don't trust your file copies.

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Juan Moreno

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Good advice. I'm definitely ordering fresh copies this week. This stuff keeps me up at night.

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Amy Fleming

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Maryland's online system is absolute garbage. I've had nothing but problems with it over the past year. The error messages are useless and their help desk is even worse.

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Alice Pierce

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I actually think Maryland's system is pretty good once you figure out its quirks. Much better than some other states I've dealt with.

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Amy Fleming

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Are you kidding me? Their portal crashes half the time and the rejection notices tell you nothing useful. Other states at least give you specific error details.

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Esteban Tate

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Every state system has its issues. At least Maryland lets you file online instead of requiring paper submissions.

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The comma issue makes total sense. I've seen this exact problem multiple times with LLC formations where the client's articles of incorporation have different punctuation than what they're using in business. Always check the state's exact record, not your intake forms.

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Tyler Murphy

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You're absolutely right. I just resubmitted with the comma and it went through! Finally got the acceptance notice. Thank you so much for the troubleshooting help everyone.

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Fantastic! Always satisfying when it's a simple fix. Make sure to update your filing procedures to pull fresh certified copies for future continuations.

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Elin Robinson

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This thread is so helpful. I'm bookmarking it for future reference. Had no idea about the comma punctuation thing being so critical in Maryland.

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Maryland is definitely strict about exact matches. Some states are more forgiving with minor variations but Maryland wants everything perfect.

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Elin Robinson

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Good to know. I'll be extra careful with my Maryland filings from now on.

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Beth Ford

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For anyone else dealing with continuation stress, I recently started using Certana.ai's document checker after a similar scare. It's been a lifesaver for catching these tiny inconsistencies before they cause filing rejections. The peace of mind is worth it when you're dealing with large loan amounts.

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How accurate is their matching system? I'm always skeptical of automated tools for legal documents.

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Beth Ford

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It's been spot-on for me so far. Obviously you still need to review everything yourself, but it catches the obvious stuff you might miss when you're rushing.

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I tried it last month and it flagged a debtor address discrepancy that would have definitely caused a rejection. Pretty impressed with the accuracy.

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Joy Olmedo

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Glad you got it resolved! The punctuation issue is super common. I always tell my team to treat debtor names like passwords - every character matters. One wrong comma or period and you're looking at rejections.

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Tyler Murphy

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That's a great analogy about passwords. Definitely going to remember that one. This experience has been a good reminder to be more careful with the details.

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Joy Olmedo

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We all learn these lessons the hard way. The important thing is that your lien is properly continued now. Crisis averted!

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Isaiah Cross

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This is exactly why I always do a practice run with the Certana.ai tool before submitting any UCC-3 filings. Upload both documents, get the verification report, fix any issues, then file with confidence. Saves so much headache.

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Tyler Murphy

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That's smart. I'm definitely going to make that part of my standard process going forward. The stress of potentially losing lien priority isn't worth it.

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Isaiah Cross

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Exactly. The few minutes of verification upfront saves hours of corrections and panic later. Plus your clients appreciate the extra care with their collateral.

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Kiara Greene

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I just went through this same nightmare with a Maryland continuation last month. Took me four attempts to get it right because of similar formatting issues. The system really should give better error messages.

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Tyler Murphy

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Four attempts must have been stressful! Did you also have punctuation issues or was it something else?

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Kiara Greene

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Mine was a spacing issue with the debtor's middle name. The original had two spaces between first and middle name that I didn't catch. So frustrating.

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Sara Unger

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These formatting issues are so common. Really highlights the importance of exact character matching in these systems.

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Melina Haruko

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Thanks for sharing this experience, Tyler! This thread is incredibly valuable - I'm a newer attorney and didn't realize how strict Maryland's system is about punctuation. I've been preparing to file my first UCC-3 continuation there and was just planning to copy the debtor name from my client's original paperwork. After reading this, I'm definitely going to pull a certified copy of the actual filing first. The comma discovery is such a perfect example of why you can't assume anything with these systems. Bookmarking this thread for sure!

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