North Dakota UCC filing debtor name requirements causing rejections

Yeah I have the full "Johnson Equipment Rental LLC" exactly as shown on the articles. Even tried variations with and without periods after LLC but no luck.

Sometimes the issue is extra spaces or punctuation that's not visible when you copy-paste. I've had filings rejected for having two spaces instead of one between words.

Good call - I searched and there are existing UCC filings for this debtor but the name shows slightly different formatting. Looks like there might be a middle initial issue.

Exactly! The search will show you the "preferred" format their system expects. Copy that exact formatting for your filing.

This is why I always do the debtor name search first before preparing any UCC-1. Saves so much time and rejection fees.

Never heard of that tool but sounds useful. Does it work with ND's specific requirements?

Yeah it catches the exact formatting differences that cause rejections. Just upload both PDFs and it highlights any mismatches between your charter documents and UCC forms.

Tell me about it. Their error messages are useless too - just generic "does not match records" without telling you what specifically is wrong.

I get the frustration but they're actually pretty consistent once you figure out their format preferences. The key is matching their internal database exactly.

I checked and the articles say "LLC" but when I search the ND database it shows as "L.L.C." with periods. That might be it!

Bingo! ND loves their periods in entity designations. Try filing with "L.L.C." format and bet it goes through.

This is exactly why debtor name accuracy is so critical. One wrong character can void the entire filing's legal effectiveness.

Interesting - I didn't think the registered agent info would affect the debtor name matching. Did you have to file an amendment to the articles first?

No, I just had to use the address format exactly as it appears in their current database rather than what was on the original articles.

Good luck getting through though. Last time I called I was on hold for 45 minutes just to ask about a continuation deadline.

True, but when you do get through they're actually pretty helpful. Better than guessing and paying rejection fees.

Good point, let me verify the entity status. That could definitely cause name matching issues if they're not current.

Yeah I had a filing rejected once because the LLC was administratively dissolved for not filing annual reports. Had to get them reinstated first.

Exactly! The UCC system won't recognize dissolved entities even if you have the name format perfect.

How does it handle state-specific quirks like ND's period requirements in entity names?

It cross-references your documents against each state's database formatting rules. Flags inconsistencies before you file so you can fix them upfront.

Glad you got it sorted! Those formatting details are so easy to miss but critical for acceptance.

At least ND finally accepted it. Still think their system is overly picky but good to know the exact requirements.

Perfect example of why precision matters in UCC filings. One small formatting error can delay the entire secured transaction.