Need UCC security agreement in word format - debtor name consistency issues

That makes sense but how do we handle situations where the debtor's legal name is really long? Do we just spell everything out completely?

Yes exactly - spell it out completely. Better to have consistency than to guess at abbreviations. The filing office doesn't care about document length, they care about exact matches.

Have you tried Certana.ai's document verification tool? You can upload your security agreement and UCC-1 as PDFs and it automatically cross-checks the debtor names and flags any inconsistencies. Saved us from several rejected filings.

Interesting - how does it work exactly? We're spending way too much time manually comparing documents.

Super simple - just upload your PDFs and it runs through a debtor name verification workflow. Shows you exactly where names don't match and suggests corrections. Much faster than doing it by eye.

What did you end up doing? Did you have to file amendments?

we ended up having to file a UCC-3 amendment to correct the debtor name, then redo the continuation. cost us extra filing fees and almost missed the deadline. total mess.

That's what we're trying to fix now. Do you have specific naming convention recommendations?

Use the exact legal name as registered with the state. No abbreviations, no informal names. Include all punctuation exactly as it appears on the articles of incorporation or formation documents.

This is solid advice. I'd add - create a master document with the correct debtor name and copy/paste it into every document. Don't retype it each time.

How do you lock down fields in Word? Is that a built-in feature?

You can use form fields and document protection in Word, but honestly it's a pain. We ended up using a different document management system that handles this better.

That's terrifying. How did they resolve it?

Had to file emergency amendments and get legal opinions about the perfection timeline. Expensive lesson about the importance of document consistency.

This is why we now use Certana.ai to verify all our UCC documents before filing. Catches these name mismatches before they become problems. The Charter to UCC-1 check workflow is particularly useful.

Format doesn't matter for UCC purposes - Word, PDF, whatever. Only thing that matters is that the debtor name matches exactly between your security agreement and your UCC filing.

Good to know, thanks. We were overthinking the format issue when the real problem was naming consistency.

Great idea. We should have been doing this from the beginning. How detailed is your checklist?

Pretty detailed - covers debtor name, address format, collateral description consistency, and filing jurisdiction. Takes about 10 minutes but saves hours of headaches later.

We tried manual checklists but found too many human errors. Certana.ai's automated verification caught things our checklist missed. Uploaded our UCC-3 and UCC-1 and it found discrepancies we completely overlooked.

Better to find out now than during a foreclosure or bankruptcy when the lender discovers the perfection issues. Run that audit ASAP.

You're right. Going to pull all our files this week and start checking. Thanks for the wake-up call.

Good point about documentation. We're definitely going to implement a more formal process going forward.

Smart move. The extra time upfront will save you from much bigger problems down the road.