UCC 1-308 with signature causing filing rejection - need help

I've been adding it right after the signature line where it says 'without prejudice UCC 1-308'. Maybe that's the problem?

Yeah that's probably why it's getting rejected. The signature field needs to match the debtor name exactly as it appears on the filing.

This is correct. UCC 1-308 is about reserving rights under the Uniform Commercial Code but it doesn't apply to financing statement filings. You're mixing up different areas of commercial law.

So I should just file with a clean signature that matches the debtor name? No additional notations?

Exactly. Keep it simple - just the authorized signature that matches your debtor identification. The UCC-1 is about perfecting your security interest, not reserving contractual rights.

Never heard of that but sounds useful. How accurate is it for catching signature format problems?

Very accurate. It caught several issues I missed including debtor name inconsistencies and signature field problems. Much better than filing blind and hoping it gets accepted.

Why do people even think they need UCC 1-308 on these filings? Where does that idea come from?

Usually from mixing up sovereign citizen theories with actual commercial law. UCC 1-308 has nothing to do with securing collateral interests.

It's a common misconception. People see UCC and think all UCC sections apply to every UCC document. Not how it works.

Thank you, this makes sense. I was overcomplicating it. Will refile with just the standard signature.

Good call. Keep it simple and follow the standard UCC-1 format. Save the UCC 1-308 stuff for contracts where it actually applies.

This is huge. Comma placement, LLC vs L.L.C., Inc vs Incorporated - all of that matters for debtor name matching.

Yes! And if you're dealing with individual debtors, the name order and middle initials have to match their official ID exactly.

How long does the verification take? I'm always working against tight deadlines.

Almost instant. Upload the PDF and get results in seconds. Really helps avoid those costly rejection cycles.

Exactly right. The financing statement and the underlying security agreement serve different purposes. Keep them separate.

This distinction trips up a lot of people. UCC-1 = public filing. Security agreement = private contract between parties.

Awesome! Nothing like getting that acceptance confirmation after dealing with rejections.

Great outcome. Now you know for next time - keep UCC-1 filings clean and simple.

Good point about continuations. I've seen people mess those up by changing signature formats from the original UCC-1.

And remember continuation deadlines! File within 6 months before the 5-year expiration or you lose perfection.

That's where document checking tools like Certana really help - they can verify your continuation matches the original filing perfectly.