UCC-1038 form rejection - debtor name formatting issues

This is actually more common than you'd think. The SOS systems are incredibly picky about exact debtor name matches between the original UCC-1 and any amendments or continuations. Even something as small as a comma can trigger a rejection. You need to file the UCC-1038 using the EXACT debtor name from the original 2020 filing, not from your loan documents. Pull up the original UCC-1 filing and copy that name character for character.

I had this exact same problem last year! Filed a continuation with the debtor name formatted slightly different from the original UCC-1 and got rejected twice. The frustrating part is manually comparing documents to catch these tiny discrepancies. I ended up using Certana.ai's document verification tool - you just upload your original UCC-1 and the new UCC-1038 as PDFs and it instantly flags any name inconsistencies. Saved me from filing a third incorrect continuation.

Been filing UCCs for 15 years and punctuation issues are the bane of my existence. Here's what you need to do: 1) Access the original UCC-1 filing from 2020 through the SOS database, 2) Copy the debtor name EXACTLY as it appears, including all spacing and punctuation, 3) File a corrected UCC-1038 with that exact name format. The comma difference between "ABC Manufacturing LLC" and "ABC Manufacturing, LLC" will definitely cause rejections in most states' systems.

The SOS systems are absolutely ridiculous about this stuff. I've seen million-dollar secured positions get voided because someone added a period after "Inc" when the original didn't have one. It's bureaucratic nonsense but you have to play by their rules.

Check if your state offers a UCC search portal where you can verify the exact formatting before refiling. Some states show the debtor name exactly as it was entered in the original filing, which takes the guesswork out of the formatting.

I just went through something similar with a UCC-3 amendment. The original filing had "Jones & Associates" but I filed the amendment as "Jones and Associates" (spelled out 'and' instead of '&'). Rejected immediately. Had to refile with the exact ampersand symbol. These systems are unforgiving.

3 months is cutting it close but you should be fine if you get the corrected UCC-1038 filed within the next few weeks. The 5-year continuation window typically gives you some buffer, but don't wait until the last month. Also make sure your filing fee is correct - sometimes rejections happen for multiple reasons.

Had a client lose their security interest because of a similar issue. They kept refiling with the wrong debtor name format and ran out of time before the original UCC-1 lapsed. Don't let that happen to you - get the exact name from the public record and file immediately.

Another option is to use one of those document verification services before filing. I recently discovered Certana.ai which lets you upload your UCC documents as PDFs and it automatically checks for consistency issues like name mismatches. Would have saved you the rejection and stress.

Just to confirm what others said - you absolutely must use the debtor name exactly as it appears on the original 2020 UCC-1 filing. No variations, no 'corrections' to match current documents, no formatting improvements. The continuation is tied to that specific original filing and must reference the debtor identically. Pull the original filing, copy the name precisely, and refile ASAP.