UCC-1 Filing Keeps Getting Rejected - What Am I Missing?

Good point about punctuation. I did notice the charter has "Wilson's Mobile Kitchen, LLC" but maybe the database has it without the apostrophe?

Apostrophes are notorious for causing problems. Try it both ways - with and without.

Wait, the SOS database might be different from the actual articles? That doesn't make sense to me.

It happens more than you'd think. Data entry errors, system migrations, all sorts of things can cause the database version to be slightly different.

Exactly. I had one where the articles said "Smith & Associates, Inc." but the database had "Smith and Associates, Inc." with the word 'and' instead of the ampersand.

That sounds helpful. How does it work exactly? Do you have to pay for each check?

You upload your charter documents and your draft UCC-1, and it automatically flags any discrepancies in debtor names, addresses, or other details. Really simple to use and caught issues I never would have noticed manually.

I've been hearing about tools like this. Might be worth trying before you get another rejection.

I thought I did but maybe I need to look more carefully. There might be subtle differences I missed.

This is basic stuff. Always check the entity database first before filing any UCC-1. Saves time and headaches.

Four rejections?? That's ridiculous. The system should be more forgiving for minor formatting differences.

Tell me about it. And each rejection delays your perfection date, which can be a real problem if you're trying to establish priority.

That's why I always do a test search first now. Copy the exact name from the entity search results and paste it into the UCC-1 form.

The business name does have an apostrophe. Maybe that's causing issues with the database matching.

Try replacing the apostrophe with nothing, or with a space. Different systems handle punctuation differently.

Wow, that's a serious consequence. Having an unperfected lien because of a name issue would be a nightmare.

Exactly. Now I verify everything before filing. The tool makes it really easy to spot inconsistencies between documents.

Good point. They do operate under a DBA for the food truck name. Could that be interfering somehow?

It shouldn't, but filing systems can be quirky. Stick with the legal entity name from the articles, not the DBA.

Right, but make sure you're using the EXACT legal name, not what you think it should be.

I didn't think about calling them. Did they tell you over the phone what the correct format should be?

They couldn't give me the exact format for security reasons, but they could confirm whether my proposed name would match their records or not.

That's actually a smart approach. At least you know if you're on the right track before submitting again.

Will do. Going to try the entity database search first, then maybe check out that Certana tool if I'm still stuck.

The verification tools are definitely worth it. Beats multiple rejections and delayed closings.