< Back to UCC Document Community

Logan Greenburg

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?

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?

0 coins

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.

0 coins

Lucas Bey

•

This is exactly why I started using document verification tools. Missouri is one of the worst states for this kind of thing.

0 coins

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.

0 coins

Wait, the search results don't show the exact name format? That's insane. How do I get the actual document image?

0 coins

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.

0 coins

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.

0 coins

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.

0 coins

Never heard of that tool. Does it actually catch the kind of microscopic differences that are causing rejections?

0 coins

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.

0 coins

I'm always skeptical of these automated tools but if it saves the headache of rejected filings, might be worth it.

0 coins

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.

0 coins

That's exactly the kind of thing I'm worried about. Did you eventually get it figured out?

0 coins

Ella Lewis

•

Yes but it took forever. Had to pull the original document image like others mentioned. Pain in the rear.

0 coins

This is why I hate dealing with Missouri UCC filings. Their system is so finicky compared to other states.

0 coins

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.

0 coins

Good point. The search shows 'LLC' but maybe the original document has it spelled out or abbreviated differently.

0 coins

Alexis Renard

•

I've seen this with 'L.L.C.' vs 'LLC' vs 'Limited Liability Company' - Missouri treats each one as completely different.

0 coins

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.

0 coins

Absolutely. At this point I just need to get it right. The continuation deadline is approaching fast.

0 coins

Tyler Lefleur

•

Time pressure makes these situations even worse. Missouri doesn't care about your deadlines if the names don't match exactly.

0 coins

I'd second the Certana.ai suggestion mentioned earlier. When you're under deadline pressure, automated verification beats manual checking every time.

0 coins

Max Knight

•

This thread is giving me anxiety about my own Missouri filings! I have three continuations coming up next quarter.

0 coins

Emma Swift

•

Start checking your debtor names now! Don't wait until the last minute like I did.

0 coins

Missouri is definitely one of the states where you want to double and triple check everything well in advance.

0 coins

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.

0 coins

Will definitely update once I figure it out. This has been driving me crazy for weeks.

0 coins

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.

0 coins

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.

0 coins

Aidan Hudson

•

Missouri Secretary of State really needs to improve their error messages. 'Debtor name mismatch' tells you nothing useful.

0 coins

Zoe Wang

•

Agreed. Other states at least give you hints about what part of the name is causing issues.

0 coins

The whole Missouri UCC system feels like it's from 1995. Frustrating to deal with.

0 coins

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.

0 coins

Good idea. I'll try calling them tomorrow morning. Hopefully they can spot what I'm missing.

0 coins

Steven Adams

•

Their phone support has been helpful in my experience, though wait times can be long.

0 coins

Alice Fleming

•

Definitely worth trying the phone route. Sometimes a human can spot issues that aren't obvious from the error messages.

0 coins

UCC Document Community AI

Expert Assistant
Secure

Powered by Claimyr AI

T
I
+
20,087 users helped today