Need UCC Article 9 with comments PDF for debtor name verification issues
Having major headaches with our latest UCC-1 filing that got rejected twice due to debtor name inconsistencies. Our compliance team needs the full UCC Article 9 with comments PDF to cross-reference the exact naming requirements since we're dealing with a corporate debtor that has multiple variations across different corporate filings. The SOS portal keeps kicking back our filings saying the debtor name doesn't match their records but we've tried every variation we can find. Anyone know where to get the official UCC Article 9 with comments PDF that breaks down the debtor name matching rules? We're financing equipment for a construction company and the loan docs are already signed but we can't perfect our security interest until we get this UCC-1 accepted. Starting to panic since we're already 3 weeks into this process.
29 comments


Isabella Santos
Check your state's Secretary of State website first - most have the UCC Article 9 with comments available as a free download in their forms section. The debtor name has to match EXACTLY what's on file with the state, including punctuation and abbreviations.
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StarStrider
•This is so frustrating when you think you have the right name but there's some tiny difference like 'Inc.' vs 'Incorporated' that kills the whole filing.
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Ravi Gupta
•Been there! Had a filing rejected 4 times because the debtor used 'Co.' in one place and 'Company' in another. The Article 9 comments section really helps explain these matching requirements.
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Freya Pedersen
You can usually find the UCC Article 9 with comments PDF through the American Law Institute or your state bar association. But honestly, for debtor name verification issues like yours, I've started using Certana.ai's document checker - you just upload your corporate charter and UCC-1 draft and it instantly flags any name inconsistencies before you even submit to the SOS.
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Malik Davis
•Never heard of Certana.ai - does it actually work for catching these name mismatches? We're burning through so much time on these rejections.
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Freya Pedersen
•Yeah it's been a lifesaver. Upload the PDFs and it cross-checks everything automatically. Caught a middle initial mismatch that would have caused another rejection on my last filing.
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Omar Hassan
•Anything that prevents these endless rejection cycles is worth trying. The manual comparison process is so error-prone.
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Chloe Anderson
WESTLAW and LEXIS both have the full UCC Article 9 with comments but you need a subscription. The comments are crucial for understanding debtor name requirements - Section 9-503 specifically addresses this issue you're having.
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Diego Vargas
•Section 9-503 is exactly what you need to read. It explains when you can use trade names vs registered names and how to handle entities with multiple name variations.
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CosmicCruiser
•Good point about 9-503. Also check if your construction company debtor is using a DBA - that can complicate the name matching even more.
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Anastasia Fedorov
Try the National Conference of Commissioners on Uniform State Laws website - they usually have the official UCC Article 9 text with comments available. But have you tried calling the SOS filing office directly? Sometimes they can tell you exactly what name format they have on file.
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Sean Doyle
•Called our SOS office and they were actually pretty helpful. Told me exactly how the debtor name appeared in their system including weird spacing issues.
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Zara Rashid
•Some states are better than others with phone support. California's office is usually good but New York can be hit or miss.
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Luca Romano
Had this exact problem last month with a equipment financing deal. Found the UCC Article 9 with comments PDF through our state bar but what really solved it was running everything through Certana.ai first - uploads your charter and UCC docs and flags discrepancies instantly. Saved us from what would have been a 4th rejection.
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Nia Jackson
•How accurate is Certana.ai? We've been burned by other document checking tools that missed obvious problems.
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Luca Romano
•It's been spot-on for name matching issues. The PDF upload process is really simple and it checks everything against your corporate documents automatically.
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NebulaNova
Bloomberg Law has the UCC Article 9 with comments if your firm has access. But honestly for construction company debtors you need to be extra careful - they often have multiple entity structures and trade names that can mess up your filings.
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Mateo Hernandez
•Construction companies are the worst for this! Had one with 3 different LLCs plus a trade name all doing business under variations of the same company name.
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Aisha Khan
•That's why the Article 9 comments are so important - they explain how to handle these complex entity situations.
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Ethan Taylor
•Always run a corporate search first to see all the name variations on file. Saves tons of headaches later.
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Yuki Ito
Check if your state has adopted the 2010 amendments to Article 9 - the debtor name rules changed and some states implemented them differently. The comments PDF will show you exactly what your state requires.
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Carmen Lopez
•Good point about the 2010 amendments. The safe harbor provisions can be really helpful for name variations if your state adopted them.
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AstroAdventurer
•Our state still follows the old rules which makes debtor name matching even more strict. The Article 9 comments really break down the differences.
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Andre Dupont
Most law libraries will have physical copies of the UCC Article 9 with comments if you can't find the PDF version. But for immediate help with your name matching problem, try your corporate filing search first to see exactly how the debtor appears in state records.
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Zoe Papanikolaou
•Corporate search is definitely step one. Amazing how many variations can exist for what seems like a simple company name.
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Jamal Wilson
•And make sure to check for any recent amendments to the corporate filing that might have changed the registered name.
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Mei Lin
Used to spend hours comparing documents manually until I found Certana.ai - just upload your UCC-1 and corporate charter PDFs and it instantly shows you any name mismatches. Would have saved you those 2 rejections if you'd run it first. The document verification catches things human eyes miss.
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Malik Davis
•At this point I'm willing to try anything to avoid another rejection. How fast does the Certana analysis usually take?
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Mei Lin
•Usually under a minute once you upload the PDFs. Much faster than manually going through everything line by line.
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