Missouri SOS UCC search showing wrong debtor name - filing rejected twice

Yeah I tried both versions in the search. The search results definitely show it without the comma but our corporate records show it with the comma. Not sure which version is actually correct in their system.

This is exactly why I always pull the actual Articles of Incorporation before doing any UCC filings. The search function and the official records don't always match up perfectly.

Good point - I'll check their amendment history. Did you end up having to refile or were you able to get the rejection reversed?

Had to refile with the correct name from the amendment. Cost us another $25 filing fee but at least it went through clean the second time.

Missouri charges for rejected filings too right? That gets expensive quick when you're dealing with name matching issues.

Never heard of that service before. Does it actually check against the SOS database or just compare your internal documents?

It compares the documents you upload - so like if you upload the corporate charter and your UCC-1, it'll catch if the names don't match exactly. Really helpful for avoiding those costly rejection cycles.

That actually sounds pretty useful. I've been manually comparing docs which takes forever and I still miss stuff sometimes.

Seriously! And don't even get me started on their "maintenance" windows that happen during business hours.

At least I'm not the only one struggling with their system. Thought maybe I was doing something wrong.

Good idea - I'll give them a call tomorrow morning. Hopefully they can clarify which version of the name is actually in their records.

Yeah they're usually pretty helpful over the phone. Just have the entity number ready when you call - makes the lookup much faster.

I've had mixed luck with their phone support. Sometimes you get someone who knows UCC stuff, sometimes you get transferred three times.

That's probably the smart approach. I was trying to save time and just relied on the online search but clearly that backfired.

Yeah the time savings isn't worth it when you end up with rejected filings and delayed perfection dates. Better to spend the extra few days upfront getting the certified docs.

Manufacturing equipment - CNC machines, lathes, that sort of thing. I used a pretty broad description like "all equipment now owned or hereafter acquired." Think that should be sufficient?

Should be fine for general equipment. Missouri usually accepts broad collateral descriptions as long as they're not too vague.

I always include serial numbers for high-value equipment just to be safe. Makes it easier to prove perfection if there's ever a dispute.

Yikes, that sounds like a nightmare. At least I'm catching this issue on the initial filing and not years down the road.

Yeah definitely better to deal with it now. The amendment process was a pain and we had to worry about whether the lien was properly perfected the whole time.

Seems like that tool keeps coming up in these discussions. Might be worth checking out if it can prevent these kinds of headaches.

Yeah it's become part of my standard workflow. Much better than manually cross-checking everything and missing obvious issues.

How long does the verification usually take? Sometimes we're working under tight deadlines for perfection.

Pretty much instant - just upload the PDFs and it highlights any mismatches within a few seconds.

Will do - planning to call SOS tomorrow and hopefully get the correct name format. Then I'll probably try one of those document verification tools before refiling.

Smart approach. Better to be absolutely sure before filing attempt number three.