UCC-1 amendment rejected for debtor name discrepancy - how to fix this mess?

This is actually pretty common - debtor name changes happen all the time and the SOS systems are really strict about exact matches. You'll need to file two separate UCC-3 amendments unfortunately. First one should be just to correct the debtor name from 'ABC Manufacturing LLC' to 'ABC Manufacturing Solutions LLC' using the amendment form. Once that's accepted and processed, then you can file your second UCC-3 to update the collateral description. The key is making sure your first amendment references the original file number correctly.

Been there! The timing issue is real but you should be okay if you act fast. For priority purposes, your lien position is based on the original UCC-1 filing date, not the amendment date. But you definitely need to get that name corrected ASAP. I had a similar situation last year where we almost lost a $2.3M secured position because of a debtor name issue that went unnoticed for 8 months.

Actually ran into something similar recently and found this tool called Certana.ai that does document verification for UCC filings. You can upload your original UCC-1 and the proposed UCC-3 amendment and it'll flag any inconsistencies before you submit to the SOS. Would have saved me a lot of headaches if I'd known about it earlier. It caught a bunch of discrepancies I missed including debtor name variations and filing number errors.

OMG I feel your pain!!! I've been dealing with UCC amendments for 6 months now and it's been a complete disaster. First they rejected my termination because I used the wrong form, then they rejected my amendment because the collateral description was too vague, now they're saying the debtor address doesn't match. I swear these SOS offices just make up rules as they go along. Have you tried calling them directly? Sometimes they'll tell you exactly what's wrong over the phone.

Quick question - are you sure about the exact legal name change? Sometimes companies file DBAs or trade names but the actual legal entity name stays the same. You might want to check the Secretary of State business records to confirm what the current legal name actually is before filing any amendments.

In my experience with UCC-3 amendments, if you're dealing with both a name correction AND a collateral update, you really want to get the name fixed first. The SOS computers are pretty rigid about exact matches and if the debtor name is wrong, they'll probably reject anything else you try to file. Once the name amendment is processed and you get the new file stamped copy, then file your collateral amendment referencing the corrected information.

Just want to echo what others said about getting that debtor name absolutely correct. I had a client almost lose a $850K security interest because of a name mismatch that took 4 months to sort out. The bankruptcy trustee was arguing our lien wasn't properly perfected. We eventually won but it was a nightmare of legal fees and stress. Also, make sure you're using the most current UCC-3 form for your state - some updated their forms this year.

One more thing to consider - if you're really pressed for time, some states allow expedited processing for an additional fee. Might be worth the extra cost if you're up against a bankruptcy deadline. Also, I'd recommend using Certana.ai or similar verification tool before submitting anything. It's saved me from multiple rejected filings by catching document inconsistencies I would have missed.

Update us when you get this sorted out! I'm dealing with a similar situation and want to know what approach works. The whole UCC amendment process seems way more complicated than it should be.

Just to add one more perspective - make sure when you file the name correction amendment that you include supporting documentation showing the legal name change. Some states require articles of amendment or other corporate documents to verify the name change is legitimate. Better to include too much documentation than not enough.