Need UCC-1 financing statement example with proper debtor name format

This is correct. I learned this the hard way when my filing got rejected because I wrote out "Limited Liability Company" when the charter just said "LLC".

Wait, but what if the charter says "Limited Liability Company" and you put "LLC"? Is that also a rejection?

Yes, any deviation from the exact legal name can cause rejection. The filing system is very strict about name matching.

Good point about the collateral description. I have the equipment list with serial numbers, just wasn't sure how detailed to get in the UCC-1.

More detail is usually better than less. I've seen filings where vague descriptions caused problems later during enforcement.

That sounds helpful. Did it catch anything else besides the name formatting?

Yeah, it also flagged that I had the wrong organizational ID number. The tool compared everything between the documents and highlighted the discrepancies.

I might try that. I've been manually comparing documents but it's easy to miss small differences.

Good reminder. I'll check the state requirements for organizational ID numbers.

In my experience, including the org ID even when not required helps prevent potential issues down the line.

I know it seems overwhelming but getting it right the first time saves a lot of headaches later. The rules exist to make sure the public record is clear and searchable.

I guess but it feels like the system is designed to trip you up on technicalities

I did look at the state examples but they were pretty basic. Nothing showing how to handle the specific LLC name formatting question I had.

True, the examples are often too simplified for real-world scenarios.

That's why I always double-check everything against the actual charter documents before filing.

Really? Even punctuation? That seems excessive.

Yep. Had a filing rejected because the charter had a period after "Inc." and I forgot the period in my UCC-1. Now I'm super careful about every character.

This is exactly why I started using verification tools. Too many small details to track manually.

Wait, I thought for equipment I file where the equipment is located? This is a construction company so the equipment moves around different job sites.

No, for LLCs you always file where the LLC was organized, regardless of where the collateral is. The location rule applies to individuals and some other entity types.

This is correct. State of organization for LLCs, not collateral location.

That's good advice but in my experience they usually just refer you back to the instructions and say they can't give legal advice.

Fair point. Hit or miss depending on who answers.

Good point. The equipment definitely isn't attached to any real estate, it's mobile equipment that moves to different projects.

Yeah, describe it as "mobile construction equipment" or similar to make it clear it's not fixtures.

Exactly. Better to be explicit about mobility than risk someone thinking it needs a fixture filing.