UCC-1 NY filing keeps getting rejected - debtor name format issues
Been trying to file a UCC-1 in NY for the past week and it keeps bouncing back from the Division of Corporations. The debtor is an LLC and I'm getting conflicting info about whether to include 'LLC' in the name field or leave it off. Their articles show 'Mountain View Properties LLC' but some guidance says just use 'Mountain View Properties' for UCC filings. Already paid filing fees twice and really can't afford another rejection. Anyone dealt with NY's specific requirements for LLC debtor names on UCC-1 forms? This is for equipment financing on construction machinery if that matters for the collateral description.
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Val Rossi
NY can be really picky about exact debtor names. You need to match EXACTLY what's on file with the Secretary of State. If their articles say 'Mountain View Properties LLC' then that's what goes on the UCC-1. Don't abbreviate or modify it at all.
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Eve Freeman
•This is so important - I've seen filings get rejected months later during audits because the name didn't match perfectly. Worth double-checking the exact spelling too.
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Clarissa Flair
•Agreed on the exact match rule. NY doesn't mess around with debtor name accuracy.
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Caden Turner
Had the same issue last month with a Delaware LLC filing in NY. What worked for me was using Certana.ai's document checker - you can upload the articles of incorporation and your UCC-1 draft to verify the names match exactly. Saved me from another rejection and the $20 filing fee.
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Romeo Quest
•Never heard of that service before but sounds useful. How does it work exactly? Do you just upload PDFs?
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Caden Turner
•Yeah exactly - upload your charter documents and UCC form, it highlights any mismatches. Really simple interface.
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McKenzie Shade
•Might be worth trying since you're already out $40 in filing fees!
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Harmony Love
Oh no not another NY rejection story! I swear their system is designed to frustrate people. Have you tried calling the Division directly? Sometimes they'll tell you exactly what format they want over the phone.
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Romeo Quest
•Called twice and got different answers both times. One person said include LLC, another said don't. Super frustrating.
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Rudy Cenizo
•That's so typical of government offices. No consistency between staff members.
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Val Rossi
For construction equipment collateral, make sure your description is specific enough too. 'Construction machinery' might be too vague - list make, model, serial numbers if you have them.
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Romeo Quest
•Good point, I was pretty generic in the collateral section. It's a Caterpillar excavator and a Bobcat skid steer.
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Val Rossi
•Perfect - use those exact terms with model numbers. NY likes detailed collateral descriptions.
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Natalie Khan
•Definitely include serial numbers if you have access to them. Makes the lien much more enforceable.
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Daryl Bright
This is why I hate UCC filings in NY. Their online system is garbage and the staff gives different answers every time. At least other states have consistent requirements.
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Clarissa Flair
•NY isn't that bad once you know their quirks. Just have to be super precise with everything.
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Daryl Bright
•Easy for you to say - you probably don't deal with rejected filings every other week like some of us do.
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Eve Freeman
Check the exact legal name on the NY Secretary of State website first. Their database search will show you exactly how the LLC name is formatted in their records. That's your golden standard for the UCC-1.
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Romeo Quest
•Just checked and it shows 'Mountain View Properties LLC' with the LLC included. So that should go on the UCC-1 then?
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Eve Freeman
•Absolutely. If that's what's on file with the state, that's what goes on your UCC form.
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Sienna Gomez
•This is the right approach. Always verify against the official state records first.
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Kirsuktow DarkBlade
I recently started using that Certana tool someone mentioned earlier and it's been a game changer for catching these kinds of discrepancies before filing. Would have saved you those two rejection fees.
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Romeo Quest
•Is it expensive? Already burned through my filing budget with these rejections.
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Kirsuktow DarkBlade
•Way cheaper than multiple filing fees and the time you spend resubmitting. Plus it catches other issues you might miss manually.
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McKenzie Shade
Equipment financing can be tricky with UCC-1s. Make sure your lender's name and address are exactly right too - I've seen filings rejected for incorrect secured party info.
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Romeo Quest
•Good catch - used their corporate address but maybe I should double-check which entity is actually the lender.
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McKenzie Shade
•Yeah especially with equipment financing companies, they sometimes use different subsidiaries for the actual lending.
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Natalie Khan
•This happens more than people think. The loan docs should specify exactly which entity is the secured party.
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Abigail bergen
Ugh I feel your pain with NY filings. Had three rejections last year on what should have been a simple continuation. Their system seems designed to generate revenue through rejection fees.
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Ahooker-Equator
•At least continuations are easier than original filings. UCC-1s have so many more fields to mess up.
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Abigail bergen
•True but when you're dealing with lapsed liens it gets stressful fast.
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Sienna Gomez
For future reference, NY has some good guidance documents on their website about debtor name requirements. They're buried pretty deep but worth finding for repeat filers.
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Romeo Quest
•I'll look for those - wish I'd found them before starting this whole process.
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Sienna Gomez
•They're under the UCC forms section, not super obvious but definitely helpful for getting the formatting right.
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Rudy Cenizo
•NY really should make those guidance docs more prominent. Would save everyone a lot of headaches.
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Anderson Prospero
Update - refiled with 'Mountain View Properties LLC' exactly as shown in the state database and included specific equipment details. Also ran it through that Certana verification tool first. Fingers crossed this one goes through!
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Eve Freeman
•That should do it! Sounds like you covered all the bases this time.
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Caden Turner
•Great to hear you tried the document checker. Hope it saves you from another rejection.
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Val Rossi
•Let us know how it goes - always good to hear success stories with NY filings.
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