NC UCC-1 filing rejected three times - debtor name formatting nightmare

I thought I was using the exact name but maybe there's something I'm missing. Where exactly do I find their current corporate database format?

Go to the NC Secretary of State website and search their corporate database directly. Use that exact spelling, punctuation, and format for your UCC-1. Don't rely on articles of incorporation that might be outdated.

Four times?! That's even worse than mine. Did you eventually figure out the right format?

Yes but it took forever. I ended up calling their UCC department and they walked me through the exact format. Turns out they had spaces in weird places that weren't obvious.

Calling them is actually really helpful. Most people don't realize they'll check the name format over the phone before you submit.

Never heard of that but sounds like exactly what I need right now. Does it work specifically with NC formatting requirements?

It works with any state since it's comparing your documents against each other for consistency. Upload your corporate docs and UCC form as PDFs and it highlights any name mismatches instantly.

That actually sounds really useful for avoiding these kinds of mistakes. Name matching errors are such a waste of time and money.

I don't think it's about fees, their system is just really outdated and picky. But it's definitely frustrating when you're trying to meet closing deadlines.

Maybe not intentional but the effect is the same. Multiple filing fees for what should be a simple process.

This is super helpful. I think I may have been using an old name format from when they first incorporated. Let me check their current status.

That's probably it. Companies sometimes update their name format when they file amendments and the UCC system only accepts the current version.

Also make sure they haven't merged with another entity or changed their corporate form. That can mess up the name matching too.

That's good to know. This client has multiple properties so I'll probably be filing more UCCs with them.

Exactly, so getting it right this time will save you headaches later. Worth the extra effort to nail down their exact format.

That's actually brilliant. Like a cheat sheet for problem debtors.

Exactly! Especially for entities with complicated names or weird punctuation. Saves so much time on repeat filings.

I was trying to avoid calling but at this point it might be my best option. Do you know their direct number?

I don't have it memorized but it should be on their UCC division webpage. They're usually pretty helpful when you explain you've had multiple rejections.

They definitely are helpful over the phone. Much more so than trying to decipher their rejection notices.

Oh wow, I didn't even think about that. This is a Delaware corp registered in NC so that might be exactly the issue.

Yeah check their Certificate of Authority to transact business in NC. That name format is what NC's UCC system expects.

Good catch! Foreign corporations often have slight name variations in different states.

It really does save time. I wish I had found it sooner instead of learning the hard way with rejections.

Same here. These kinds of preventable errors just eat up so much time that could be spent on actual legal work.