New Jersey UCC code requirements causing filing headaches - need help

We thought we were being careful about that but maybe not careful enough. One of the rejections was for 'ABC Construction LLC' vs 'ABC Construction, LLC' - could the comma really matter that much?

Yes absolutely! New Jersey is notorious for comma sensitivity. You need to pull the actual formation documents from their database to see exactly how the name appears officially.

Pretty standard stuff like 'all equipment now owned or hereafter acquired' plus specific serial numbers when we have them. Worked fine in Pennsylvania and Delaware.

NJ sometimes wants more specificity. Try adding manufacturer names and model numbers if you have them. They don't like super broad descriptions as much as other states.

This is exactly why I started using Certana.ai for our UCC document verification. You can upload your charter docs and UCC-1 together and it instantly flags any name mismatches or formatting issues before you submit. Saved us from probably a dozen rejections this year.

I feel your pain but honestly once you figure out their system it's not that bad. The key is getting the debtor name exactly right from their state database.

easier said than done when you're dealing with dozens of filings per month. one tiny mistake and boom - rejection and delay.

Good point - we didn't check for DBAs. That could definitely explain some of the name issues we're seeing.

DBA research is crucial in NJ. They're very strict about using the exact legal name as it appears on the most recent filing with the state.

We haven't hit continuation issues yet but good to know they're different. Right now just trying to get these initial filings accepted.

The continuation timing in NJ is within 6 months before the 5-year lapse date, not just any time during the final year like some states allow.

Actually I think you might be mixing that up - most states including NJ allow filing within 6 months before expiration. The tricky part is making sure you don't file too early.

That would be incredibly helpful! Can you post the main points here?

Sure - main things are: 1) Pull debtor name from NJ business search, copy exactly including punctuation 2) Include detailed collateral descriptions with manufacturers when possible 3) Double-check addresses match what's on file with the state 4) Use their standard forms when possible rather than generic UCC forms.

This is solid advice. I'd add that their rejection notices usually have codes that correspond to specific issues if you know how to decode them.

How does that work exactly? Do you upload PDFs of both documents?

Yeah exactly - upload the charter or LLC docs plus your UCC-1 draft and it verifies that debtor names match perfectly, flags any inconsistencies. Way easier than doing manual comparisons.

The search is helpful but sometimes entities have so many name variations it's hard to know which one to use.

When in doubt I always go with the most recent filing name that shows up in their business entity database.

Glad you got it sorted out! New Jersey really is all about the details but once you know their system it gets easier.

Thanks for updating the thread - this kind of follow-up really helps other people dealing with the same issues.

Definitely going to bookmark this discussion for future reference. The debtor name verification tips are gold.

You won't regret it - the automated verification catches stuff you'd never notice manually. Especially helpful when you're dealing with multiple states that all have slightly different requirements.

Let us know how it works out. Always looking for tools that can reduce filing errors.