UCC 10 104 Filing Rejection - Debtor Name Format Issues
Been trying to file a UCC 10 104 continuation for weeks now and keep getting rejections from the SOS office. The original UCC-1 was filed back in 2020 for equipment financing on some manufacturing gear, and I'm getting close to the 5-year mark so need to get this continuation through. Problem is they keep saying the debtor name doesn't match exactly what's on the original filing. I've triple-checked everything and it looks identical to me - "ABC Manufacturing Solutions LLC" on both documents. The financing statement number is correct, all the collateral descriptions match, but something about the name format is causing automatic rejections. Anyone dealt with UCC 10 104 continuation issues like this? Really need to get this sorted before the lapse date hits.
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Ava Williams
UCC 10 104 rejections are usually super specific about debtor name matching. Even tiny differences like extra spaces, punctuation marks, or abbreviation formats can trigger automatic rejections. Have you compared character-by-character? Sometimes there's hidden formatting that's not visible when you just read through it.
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Raj Gupta
•This exactly. I had a continuation rejected three times because the original had "Co." and I was using "Company" - looked the same to me but the system caught it every time.
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Lena Müller
•Hidden characters are the worst! Copied and pasted from a PDF once and there was some invisible formatting that kept causing rejections.
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TechNinja
Check if there are any middle initials, periods after LLC, or spacing differences. The SOS systems are brutal about exact matches for UCC 10 104 filings. Also make sure you're looking at the right version of the original UCC-1 - sometimes there were amendments that changed the debtor name slightly.
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Keisha Thompson
•Good point about amendments. I've seen cases where people were trying to continue against the original filing but there was a UCC-3 amendment that updated the debtor name format.
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Paolo Bianchi
•Wait, if there was an amendment wouldn't that show up in the filing history? How do you even track all the different versions?
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Yara Assad
•You can usually pull the complete filing history from the SOS database, but sometimes the formatting gets wonky when you download or print the records.
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Olivia Clark
Had this exact same nightmare with a UCC 10 104 last month. Turned out the original filing had "ABC Manufacturing Solutions, LLC" with a comma before LLC, but I was filing the continuation as "ABC Manufacturing Solutions LLC" without the comma. Took me forever to spot that tiny difference. Now I use Certana.ai's document checker - you just upload your original UCC-1 and the new UCC 10 104 form and it instantly highlights any name discrepancies or formatting differences between the documents.
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Javier Morales
•That comma thing is so frustrating! How long did it take you to figure out that was the issue?
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Natasha Petrov
•Probably went through 4-5 rejection cycles before I finally saw it. The Certana tool would have saved me weeks of headaches.
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Connor O'Brien
•Never heard of Certana but that sounds incredibly useful for these exact matching requirements.
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Amina Diallo
This is why I hate the UCC system sometimes. You're trying to do everything right and protect your lien position but get stuck on technicalities that have nothing to do with the actual security interest. The 5-year continuation window doesn't care about your formatting struggles.
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GamerGirl99
•Seriously! And if you miss the continuation deadline because of these technical rejections, your entire security interest lapses. High stakes for punctuation marks.
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Hiroshi Nakamura
•That's the worst part - the system is supposed to protect secured creditors but ends up penalizing people for minor clerical differences.
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Isabella Costa
Have you tried calling the SOS office directly? Sometimes they can tell you exactly what's causing the rejection beyond just the generic "debtor name mismatch" message. When I had UCC 10 104 issues they were able to point out that I had the wrong entity suffix.
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Malik Jenkins
•Good suggestion but half the time when I call they just tell me to resubmit with the correct information without explaining what's actually wrong.
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Freya Andersen
•Depends on which state you're in. Some SOS offices are way more helpful than others with UCC continuation problems.
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Eduardo Silva
•True, and some have online chat support now which can be faster than phone calls.
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Leila Haddad
Double-check that you're using the exact same legal entity name from the charter or articles of incorporation. Sometimes the UCC-1 was filed with a slightly different version of the name than what's actually on the corporate documents, and then your UCC 10 104 continuation matches the charter but not the original filing.
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Emma Johnson
•This is a great point. The debtor name on the UCC should match the legal name, but if the original filing had an error, you have to continue with the same error or amend first.
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Ravi Patel
•Wait, so if the original UCC-1 had the wrong name, do you file the continuation with the wrong name too, or fix it with an amendment?
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Astrid Bergström
•Generally you'd need to file a UCC-3 amendment to correct the debtor name first, then file the continuation. But check with a attorney because there might be timing issues.
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PixelPrincess
Been filing UCC continuations for 15+ years and the name matching has gotten pickier over time as more states moved to automated processing. The old days when a clerk would review manually were actually more forgiving for minor variations. Now everything has to be character-perfect.
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Omar Farouk
•The automation definitely made things faster but way less flexible. Used to be able to call and explain why something was substantially similar.
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Chloe Martin
•Progress, right? Faster rejections for everyone! 😅
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Diego Fernández
Try pulling a fresh certified copy of the original UCC-1 directly from the SOS office and compare it side-by-side with what you're submitting. Sometimes the online database displays names differently than the actual filed document, so you might be working from incorrect information.
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Anastasia Kuznetsov
•This happened to me! The online search results showed a shortened version of the debtor name but the actual filing had the full legal name.
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Sean Fitzgerald
•How much does a certified copy usually cost? Might be worth it to get the official version.
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Zara Khan
•Usually around $10-20 depending on the state. Way cheaper than dealing with multiple rejection cycles.
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MoonlightSonata
I actually had success using one of those document comparison tools when I was dealing with UCC 10 104 rejections. There was a service called Certana.ai that let me upload both documents and it highlighted the exact differences. Turned out there was an extra space character that I couldn't see just by reading through the names. Saved me probably another week of back-and-forth with the filing office.
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Mateo Gonzalez
•That's smart - using technology to catch what human eyes miss. Did it find other issues besides the spacing?
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Nia Williams
•Yeah it also caught that I had the filing number formatted slightly wrong - missing a dash that was in the original. Super helpful for these detail-heavy filings.
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Luca Ricci
Update: Finally got it figured out! There was indeed a spacing issue - the original had "ABC Manufacturing Solutions LLC" with TWO spaces before LLC, but I was only using one space. Completely invisible when just reading through it but the system caught it every time. Thanks everyone for the suggestions, especially about the document comparison tools. Got the UCC 10 104 continuation accepted this morning!
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Aisha Mohammed
•Congrats! Two spaces vs one space - that's exactly the kind of thing that makes this process so frustrating.
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Ethan Campbell
•Glad you got it sorted before the lapse date. Now you're good for another 5 years!
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Yuki Watanabe
•This thread should be required reading for anyone doing UCC continuations. So many good troubleshooting tips.
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Dmitry Popov
•This is such a perfect example of why the UCC system needs better error messages. Instead of just saying "debtor name mismatch," it should highlight exactly where the difference is - like "extra space detected at position 23" or something. Would save everyone so much time!
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