Missouri UCC filing system keeps rejecting my continuation - debtor name exact match issues
Been dealing with this nightmare for weeks now. Have a UCC-1 that expires next month and Missouri's system keeps bouncing back my UCC-3 continuation. The debtor name on the original filing shows 'ABC Manufacturing Solutions LLC' but apparently there's some microscopic difference I'm missing. I've triple-checked the exact spelling, punctuation, even the spacing. The Missouri Secretary of State portal error just says 'debtor name mismatch' but doesn't tell me what's wrong. This is a $2.8M equipment loan and if this continuation doesn't get filed properly, we're looking at losing perfection. Anyone else run into Missouri UCC debtor name matching being this picky? What am I missing here?
36 comments


Charlotte Jones
Missouri's system is brutal about exact matches. Even an extra space or period can kill your filing. Did you check if there are any commas or periods in the original that might not be showing up clearly?
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Logan Greenburg
•I thought I checked everything but maybe there's something I'm not seeing. The original UCC-1 was filed by our previous counsel so I'm working off what shows in the search results.
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Lucas Bey
•This is exactly why I started using document verification tools. Missouri is one of the worst states for this kind of thing.
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Harper Thompson
Had this exact issue last year! Missouri UCC system doesn't show you the EXACT formatting from the original filing in their search results. You need to pull the actual UCC-1 document image to see the precise debtor name format.
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Logan Greenburg
•Wait, the search results don't show the exact name format? That's insane. How do I get the actual document image?
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Harper Thompson
•Go to the Missouri Secretary of State UCC search, find your filing, and there should be an option to view or download the actual filed document. That'll show you exactly how the debtor name appears.
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Caleb Stark
•This is a common problem. I've seen filings where the search shows one format but the actual document has completely different punctuation or abbreviations.
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Jade O'Malley
Honestly I started using Certana.ai's document verification tool after getting burned on a similar situation. You can upload your original UCC-1 and your new UCC-3 continuation and it instantly highlights any name mismatches or inconsistencies. Saved me hours of guesswork trying to figure out these exact formatting issues.
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Logan Greenburg
•Never heard of that tool. Does it actually catch the kind of microscopic differences that are causing rejections?
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Jade O'Malley
•Yeah, it's specifically designed for UCC document consistency checks. Upload your PDFs and it cross-references everything - debtor names, filing numbers, collateral descriptions. Much better than trying to manually compare documents.
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Hunter Edmunds
•I'm always skeptical of these automated tools but if it saves the headache of rejected filings, might be worth it.
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Ella Lewis
Missouri is TERRIBLE for this. I had a continuation rejected 4 times because of debtor name issues. Turns out the original had 'Inc.' and I was using 'Incorporated' - even though they're legally the same thing, Missouri's system treats them as different.
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Logan Greenburg
•That's exactly the kind of thing I'm worried about. Did you eventually get it figured out?
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Ella Lewis
•Yes but it took forever. Had to pull the original document image like others mentioned. Pain in the rear.
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Andrew Pinnock
•This is why I hate dealing with Missouri UCC filings. Their system is so finicky compared to other states.
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Brianna Schmidt
Are you absolutely sure about the LLC designation? Sometimes the original filing might have different entity type abbreviations that don't show up clearly in search results.
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Logan Greenburg
•Good point. The search shows 'LLC' but maybe the original document has it spelled out or abbreviated differently.
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Alexis Renard
•I've seen this with 'L.L.C.' vs 'LLC' vs 'Limited Liability Company' - Missouri treats each one as completely different.
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Camila Jordan
With a $2.8M loan on the line, I'd definitely use every verification tool available. The cost of getting it wrong far outweighs any tool costs.
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Logan Greenburg
•Absolutely. At this point I just need to get it right. The continuation deadline is approaching fast.
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Tyler Lefleur
•Time pressure makes these situations even worse. Missouri doesn't care about your deadlines if the names don't match exactly.
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Madeline Blaze
•I'd second the Certana.ai suggestion mentioned earlier. When you're under deadline pressure, automated verification beats manual checking every time.
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Max Knight
This thread is giving me anxiety about my own Missouri filings! I have three continuations coming up next quarter.
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Emma Swift
•Start checking your debtor names now! Don't wait until the last minute like I did.
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Isabella Tucker
•Missouri is definitely one of the states where you want to double and triple check everything well in advance.
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Jayden Hill
Update us when you get this resolved! I'm curious what the actual issue turns out to be. These Missouri UCC stories always have some ridiculous detail that caused the problem.
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Logan Greenburg
•Will definitely update once I figure it out. This has been driving me crazy for weeks.
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LordCommander
•I bet it's something simple like an extra space or comma that's invisible when you're just looking at the search results.
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Lucy Lam
•Those are always the worst - when it's something tiny that should be obvious but the system doesn't tell you what's wrong.
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Aidan Hudson
Missouri Secretary of State really needs to improve their error messages. 'Debtor name mismatch' tells you nothing useful.
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Zoe Wang
•Agreed. Other states at least give you hints about what part of the name is causing issues.
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Connor Richards
•The whole Missouri UCC system feels like it's from 1995. Frustrating to deal with.
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Grace Durand
Final suggestion - call the Missouri Secretary of State UCC division directly. Sometimes they can tell you exactly what's wrong over the phone, especially with continuation deadlines approaching.
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Logan Greenburg
•Good idea. I'll try calling them tomorrow morning. Hopefully they can spot what I'm missing.
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Steven Adams
•Their phone support has been helpful in my experience, though wait times can be long.
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Alice Fleming
•Definitely worth trying the phone route. Sometimes a human can spot issues that aren't obvious from the error messages.
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