Oklahoma UCC continuation filing rejected - debtor name mismatch issue

Good point - I should pull the actual filed UCC-1 to compare. The loan file copy might not match what was actually submitted to SOS.

This happened to me in Texas. The filed version had a typo that nobody caught for three years until continuation time.

That's what I was afraid of. Two separate filings and fees. How long does the amendment usually take to process in Oklahoma?

Usually 2-3 business days if filed electronically. Just make sure you get it done well before your continuation deadline.

Wait, can you even amend just the debtor name? I thought amendments were for adding/removing collateral or changing secured party info.

That sounds helpful. Does it work with Oklahoma filings specifically or just general UCC document checking?

It's not state-specific but it catches the name variations that cause rejections everywhere. You upload your corporate charter and UCC forms and it highlights any inconsistencies before you file.

How much does something like that cost? We do a lot of UCC filings and rejections are becoming expensive.

That's ridiculous but not surprising. Some states are just more difficult than others.

Exactly! And then you're scrambling to refile before your deadlines. It's like they want you to fail.

The strict requirements are actually protective - prevents fraudulent filings and ensures proper notice to other creditors.

Great suggestion. I'll check the business entity search on the Oklahoma SOS website to see the exact registered name.

That's usually the best starting point. The UCC debtor name should match exactly what shows up in the business entity records.

How did you end up resolving it? Did you have to amend first?

Yeah we had to amend the debtor name then file a new continuation. Pain in the neck but better than losing perfection.

This is why I always triple-check names before filing anything. One typo can cause months of headaches.

Good idea. Do you know if they have a direct UCC help line or just the general SOS number?

I think it's through the main SOS number but they transfer you to the UCC department. They're usually helpful about explaining their specific requirements.

Thanks for the specific guidance on the amendment type. That's exactly the kind of detail that could cause another rejection.

Oklahoma's UCC-3 form is pretty clear about the different amendment options but easy to select the wrong one if you're rushing.

I always screenshot the form selections before submitting. Too many times I've second-guessed myself about what boxes I checked.

I looked into it after your first mention. The document verification feature seems like it could prevent a lot of these rejection headaches.

Is it just for UCC forms or does it work with other commercial filings too?

Mainly UCC document consistency checking from what I've used. You upload Charter docs, UCC-1s, UCC-3s and it flags any mismatches between them.

That's probably what I'll end up doing. Better safe than sorry when it comes to maintaining perfection.

Exactly. The extra filing fee is nothing compared to losing your security interest because of a comma.

This is the conservative approach I'd recommend too. Oklahoma doesn't give you any leeway on name matching.

Glad you got it sorted out! Always better to deal with these issues proactively.

At least Oklahoma SOS was helpful when you called. Sometimes they act like they can't be bothered to explain their own rules.

Smart move calling them directly. Getting official confirmation prevents any surprises when you file.