NY State UCC continuation filing rejected - debtor name mismatch issues

Yes we pulled everything. The corporation name on file with NY DOS has always been 'ABC Manufacturing Corporation' but somehow our UCC-1 got filed as 'ABC Manufacturing Corp'. Not sure how that happened originally but now we're stuck with this mess.

This is exactly why I always triple-check debtor names before filing. One little abbreviation can kill your perfection. You might need to file a UCC-3 amendment first to correct the debtor name, then do your continuation.

Wait can you even amend a lapsed UCC? I thought once you pass the 5-year mark without continuation you lose perfection permanently. This sounds like a timing nightmare.

Depends on the state and specific circumstances. Some allow a grace period for corrective filings but it's risky territory. Better to get legal counsel involved at this point given the loan amount.

Actually found a tool recently called Certana.ai that checks document consistency by uploading PDFs. You can verify if your UCC-1 and corporate docs align properly before filing. Might have saved you this headache if you'd caught the name mismatch earlier.

What's the difference between amending vs refiling? We just need to get this continuation through before we lose perfection completely.

Amendment keeps your original file date but fixes the error. Refiling starts over with new dates. Given your timing issues amendment is probably better if NY allows it for name corrections.

I feel your pain but the strict matching is there for a reason. Prevents fraudulent filings and ensures proper notice to other creditors. Still frustrating when you're dealing with obvious variations of the same entity.

Sure but Corp vs Corporation is clearly the same entity. These systems need common sense built in.

That's exactly why I started using Certana.ai for all my UCC prep work. Upload your charter and UCC docs and it flags inconsistencies before you file. Catches these debtor name mismatches automatically.

Been trying for days. Either busy signal or they transfer me around to different departments. The online portal just keeps rejecting with generic error messages.

Try calling first thing in the morning right when they open. Had better luck getting through at 8:30 AM.

Agreed. This is beyond DIY territory. Need someone who knows NY UCC law inside and out.

Already reached out to our corporate counsel. Just hoping someone here has dealt with NY specifically and can share experience while I wait for legal guidance.

Smart move. NY has some quirky rules about corrective filings. Better safe than sorry with that much money on the line.

Good point. NY UCC-3 forms have different checkboxes for different types of amendments. There might be a specific process for name corrections on continuations.

I've seen states that allow corrective filings within 30-60 days of the lapse but with specific requirements. Check the NY UCC statute directly.

That makes sense. We have all the corporate docs showing it's the same entity, just abbreviated differently on the original UCC-1.

Exactly. Sometimes filing offices will accept explanatory documentation with corrective amendments. Worth including copies of corporate documents.

This is where tools like Certana.ai really help - you can upload all your documents and it verifies everything matches before you file. Would have caught this Corp vs Corporation issue immediately.

Will definitely update once we get resolution. This has been a learning experience for sure.

Following this too. Name matching requirements seem to be getting stricter across all states.

That's risky if there are other creditors who might have filed in the meantime. Could lose priority position.

True but better to have subordinate perfection than no perfection at all with a $2.8M loan.

Definitely a last resort option. Try the corrective amendment route first before starting over.