UCC 1 filing Washington state - debtor name exactly as on charter?

That's frustrating but good to know. How long did the rejection process take? We're cutting it close on timing.

About 3 business days for the rejection notice, then another 2-3 days for the corrected filing to process. Plan accordingly.

Just checked and our articles show 'Johnson & Associates, LLC' with the ampersand. Thanks for the tip about the SOS website lookup.

Perfect, that's your answer then. Use exactly what's on the official record and you should be fine.

This is why I always triple-check names before submitting. One wrong character and you're starting over.

Never heard of that service before. Does it work specifically with Washington state filings?

It works with any state's documents. You just upload PDFs and it compares debtor names, addresses, and other critical details automatically. Really helpful for avoiding those costly mistakes.

Wish I had known about this earlier. Just had to pay amendment fees because of a name mismatch issue.

Because if the debtor name doesn't match exactly, the UCC-1 might not be legally effective to perfect the security interest. Banks can't take that risk.

I guess that makes sense from a legal standpoint, but it's still frustrating for small businesses.

Good idea, I'll double-check there too. Better safe than sorry with this much money on the line.

Exactly. Also make sure your registered address matches if you're using that for the debtor address.

The entity search is free and gives you the most current information. Definitely worth checking before filing.

50+ filings! What type of business are you in that requires so many UCC filings?

Commercial lending. We see every type of debtor name issue you can imagine. The exact match requirement really is non-negotiable.

That's reassuring to hear from someone with that much experience. I feel better about our approach now.

Ugh, that's exactly the kind of thing I'm worried about. Did you catch it before or after submission?

After unfortunately. Cost us an extra $15 filing fee and delayed our closing by a week.

Two people have mentioned this service now. Might be worth trying since we're under such a tight deadline.

It's super quick - literally takes 30 seconds to get results. Much faster than manually comparing documents line by line.

Just signed up after reading this thread. Better to be safe than deal with rejection delays.

You'd think so, but their paralegal seemed uncertain too. That's why I'm double-checking here.

Fair enough. At least you're being thorough about it. Better to research now than deal with problems later.

Some banks are better than others with UCC procedures. Sounds like this one could use some training.

That's what I'm planning to do. 'Johnson & Associates, LLC' exactly as shown on our articles.

Perfect. That should get you through without any issues. Good luck with your closing!

Agreed - when in doubt, go with the official state record. Can't argue with that.

Will do! Planning to submit tomorrow morning so we have time to fix any issues before Friday's closing.

Smart timing. Thursday submission gives you a buffer day if needed.

Good luck! Hope everything processes smoothly for your closing.