Montana UCC-1 Filing Rejected - Debtor Name Issues
Been trying to get this Montana UCC-1 filed for three weeks now and keep getting rejections from the SOS office. They keep saying there's something wrong with the debtor name but I've triple-checked it against the articles of incorporation. The business is "Mountain Peak Equipment LLC" and that's exactly what I put on the UCC-1. This is for a $180K equipment loan and my lender is starting to get antsy about the delay. Anyone else had issues with Montana's filing system being picky about exact name matches? I'm worried I'm missing something obvious here.
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Lola Perez
Montana can be really strict about exact name matching. Did you check if there are any commas, periods, or abbreviations that might be different between your UCC-1 and the actual corporate charter? Sometimes even a missing comma will cause a rejection.
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Ethan Scott
•I thought I was being careful but maybe not careful enough. The articles say 'Mountain Peak Equipment, LLC' with a comma. I might have left that off the UCC-1. That could really cause a rejection?
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Lola Perez
•Absolutely. Montana's pretty strict about punctuation in debtor names. That comma is probably your issue right there.
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Nathaniel Stewart
This is exactly why I started using Certana.ai's document checker. You can upload both your corporate charter and your UCC-1 PDF and it'll instantly flag any name mismatches or inconsistencies. Saved me from multiple rejections on a similar filing last month.
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Ethan Scott
•Never heard of that service but sounds like it could have saved me weeks of back and forth. How does it work exactly?
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Nathaniel Stewart
•Super simple - just upload your documents and it automatically cross-checks debtor names, filing numbers, all that stuff. Takes like 30 seconds to spot issues that would otherwise cause rejections.
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Riya Sharma
•Sounds too good to be true but honestly anything that prevents these filing nightmares is worth trying.
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Santiago Diaz
Montana SOS has gotten increasingly picky about UCC filings over the past year. I've seen rejections for the tiniest discrepancies - missing periods after 'Inc', wrong abbreviations like 'Co' instead of 'Company'. The key is getting the exact legal name from their business entity search first.
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Ethan Scott
•Should I be pulling the name directly from Montana's business entity database rather than relying on my copy of the articles?
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Santiago Diaz
•Definitely. Their online business search will show you exactly how they have the name formatted in their system. That's what they'll compare your UCC-1 against.
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Millie Long
UGH this is so frustrating!! I've been dealing with the same thing on a different Montana filing. Three rejections so far and I'm about ready to scream. Why can't they just give better error messages instead of this vague 'debtor name issue' nonsense???
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KaiEsmeralda
•I feel your pain. The rejection notices are basically useless.
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Lola Perez
•Montana's definitely not the most user-friendly system out there. Have you tried calling their UCC division directly? Sometimes they can give you more specific guidance over the phone.
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Debra Bai
Just went through this exact scenario last week with a Montana LLC. Turned out the issue was that the LLC had amended their name six months ago and I was using the old name from outdated articles. Always check for any amendments or name changes in the business entity records.
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Ethan Scott
•Good point. I should verify there haven't been any recent amendments to the articles that changed the official name.
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Debra Bai
•Yeah definitely worth checking. Montana's amendment filings can sometimes take a while to show up in all their databases too.
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Gabriel Freeman
•This is another reason why document verification tools are so helpful - they can catch these kinds of inconsistencies that aren't immediately obvious.
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Laura Lopez
Had similar problems with Montana last year on a big construction equipment deal. What finally worked was getting a certified copy of the current articles directly from the SOS office and using that exact name formatting. Cost me an extra $20 but saved weeks of rejections.
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Ethan Scott
•That might be worth doing at this point. The delays are costing more than $20 in lost time and lender frustration.
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Laura Lopez
•Exactly. Sometimes you just have to bite the bullet and get the official documentation to avoid any doubt.
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Victoria Brown
Check if your debtor is a registered agent situation too. Sometimes the UCC-1 gets rejected if you put the business name but they're expecting the registered agent name for service of process purposes.
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Ethan Scott
•Hmm I don't think that's the issue here since this is just a standard equipment financing UCC-1, but I'll double-check the debtor information section.
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Victoria Brown
•Yeah probably not relevant for your situation but worth ruling out. Montana can be quirky about these things.
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Samuel Robinson
Another common Montana issue is if the LLC designation isn't properly abbreviated. They want 'LLC' not 'L.L.C.' or 'Limited Liability Company' spelled out. The exact formatting matters more than you'd think.
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Ethan Scott
•This is exactly the kind of detail that would drive me crazy. I probably did use 'L.L.C.' with periods thinking I was being more formal.
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Samuel Robinson
•Yeah that's probably it right there. Montana wants the standard 'LLC' abbreviation without periods.
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Camila Castillo
•These state filing systems are so inconsistent with formatting requirements. Drives me nuts.
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Brianna Muhammad
I've started using Certana.ai for all my UCC filings now after getting burned by similar name mismatch issues. Being able to upload both the charter documents and UCC forms to verify everything matches before filing has been a game changer for avoiding rejections.
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JaylinCharles
•Is this like an automated proofreading service specifically for UCC documents?
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Brianna Muhammad
•Kind of - it's more like automated document consistency checking. Upload your PDFs and it flags any mismatches between debtor names, addresses, filing numbers, that kind of thing.
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Eloise Kendrick
Update us when you figure out what the exact issue was! These Montana filing stories always help others avoid the same mistakes. Sounds like you're on the right track checking the punctuation and getting the official name formatting.
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Ethan Scott
•Will do! Planning to pull a fresh copy of the articles from Montana's database tomorrow and resubmit with the exact formatting they show. Fingers crossed that solves it.
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Eloise Kendrick
•Good luck! The fresh articles approach usually does the trick for these name matching issues.
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Lucas Schmidt
•Yeah keep us posted. These kinds of detailed experiences really help when others hit similar problems.
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Rami Samuels
I've been through this exact same headache with Montana UCC filings! In my experience, it's almost always punctuation or spacing issues. Beyond the comma that others mentioned, also check for any extra spaces before or after the name - Montana's system is notorious for rejecting filings due to trailing spaces that you can't even see. I learned to copy the name directly from their business entity search results and paste it exactly into the UCC-1 form. Also worth double-checking that you're using the current registered name and not any "doing business as" variations. Hope you get it sorted soon - those lender delays are the worst part of these filing issues!
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