UCC 1 form debtor name requirements - middle initial question

This is correct. Secretary of State offices typically use the 'official' name for search purposes. Driver's license is usually considered the gold standard for individual debtors.

But what if the business consistently uses the initial version? Wouldn't that create confusion down the line?

That seems like overkill for just a middle initial difference. The search systems are usually pretty forgiving with middle names.

Maybe, but I've seen deals where lenders got burned because they couldn't locate the original filing during a bankruptcy search. Better safe than sorry on big transactions.

How much extra would that cost though? Some states charge pretty hefty amendment fees.

Never heard of that tool. Does it actually verify against state databases or just check document consistency?

It checks consistency across all your uploaded docs and highlights potential issues. Really helpful for catching name mismatches before filing.

I get the frustration, but the strict name requirements actually protect everyone. Imagine if filings were too loose - you could accidentally encumber the wrong person's assets.

i guess but still seems like common sense should apply somewhere

What about when the ID is expired? Does that matter for UCC purposes?

Good question. The expiration doesn't typically matter - it's still the official government record of the name. Just make sure you're using the most recent version of the ID.

I'd still get an updated ID if possible. Shows due diligence if there are ever questions later.

That's actually a great idea. I should test the search functionality before filing. Thanks!

Just remember that search logic can change over time, so what works today might not work in five years when you need to do a continuation.

Smart practice. Documentation is everything in secured transactions.

Do you attach it to the filing itself or just keep it in your internal files?

Internal files only. The UCC office doesn't want attachments, but having it for your records shows your decision-making process.

But what if he never actually uses the full middle name in business? Seems like that could cause practical problems.

The legal name is what matters for UCC purposes. How he signs documents is less important than what would show up in a proper name search.

Is this just for name checking or does it verify other UCC-1 elements too?

It checks everything - debtor names, secured party info, collateral descriptions, even filing fee calculations. Really comprehensive.

Sounds useful. I'll have to check that out for my next filing.

Good choice. You'll sleep better knowing you used the official name format.

Smart decision. Feel free to post an update once you get the filing accepted.

hope it goes smoothly! still think the whole system is overly complicated but at least you got good advice here