Sunpower UCC termination request - debtor name issues blocking release

Agreed on exact name matching. I've seen terminations rejected for missing commas, wrong abbreviations, even spacing issues.

That makes sense. So I should use 'SunPower Corporation' exactly as shown on the original UCC-1, not what's on the payoff paperwork?

Good point about the filing number. I double-checked and we have the right number, but the name discrepancy is definitely the issue.

Filing numbers are easy to verify but those name variations will kill your termination every time.

That sounds incredibly useful. How does the verification process work exactly?

Super simple - just drag and drop your PDFs and it automatically compares debtor names, filing numbers, all the critical fields. Takes about 30 seconds to spot issues that could take weeks to resolve through rejections.

Wish I'd known about tools like that when I was dealing with my termination headaches. Would have saved so much time.

I get the frustration but the strict name matching protects against fraudulent terminations. Imagine if someone could terminate liens with approximate names.

I suppose that makes sense from a security standpoint, but it's still maddening when you're trying to clean up legitimate payoffs.

Interesting approach. Would that mean filing a UCC-3 amendment to fix the name, then a separate UCC-3 termination?

Exactly. Amendment first to correct the record, then termination. Some states are picky about this sequence.

That seems like unnecessary extra steps and fees, but if it's what the state requires...

Did you have issues with Sunpower specifically or other solar companies too?

Multiple solar companies actually. They seem to be inconsistent with entity name usage across their documentation.

Good point. It's been 6 months already since payoff. Is there typically a deadline for filing terminations?

Varies by state but most don't have hard deadlines for terminations, unlike continuations which have strict 6-month windows before expiration.

True, but lender agreements often require prompt termination filing after loan satisfaction.

Seems like multiple people are recommending that verification approach. Might be worth trying before resubmitting.

Definitely worth it. The automated document comparison saves so much back-and-forth with the SOS office.

Good catch. I was so focused on the Sunpower name issue I didn't think to verify the secured party name too.

Both names need to match exactly. I've seen terminations rejected for secured party name variations just as often as debtor name issues.

This is why I always keep copies of original UCC-1 filings in my project files. Makes termination prep so much easier.

That's encouraging to hear. Did you have any issues with your lender accepting the delay in getting the termination processed?

They weren't thrilled about the delay but understood once I explained the name mismatch issue. As long as you're actively working to resolve it, most lenders are reasonable.

Sounds like I need to look into this verification approach. Multiple people mentioning positive experiences with catching these issues upfront.

It's become part of my standard workflow now. Upload documents, verify consistency, then file. Saves tons of time in the long run.

Wish more people knew about these verification tools. Would prevent so many filing delays and rejections.

Welcome to the community! You've captured the key takeaway perfectly - exact name matching is absolutely critical for UCC terminations. I learned this the hard way on my first few filings. The verification tool approach that multiple people mentioned seems like a game-changer for catching these issues upfront. @Zainab Ismail, definitely go with the original UCC-1 spelling and hopefully that resolves your termination headaches!