UCC 11 Texas filing rejected - need help with continuation process
Got my UCC 11 continuation filing rejected by Texas SOS yesterday and I'm pretty stressed about this. The original UCC-1 was filed in 2019 for equipment financing on manufacturing machinery, and I thought I had plenty of time before the 5-year mark but apparently something went wrong with my debtor name or filing number reference. The rejection notice mentions 'debtor name inconsistency' but I copied everything exactly from the original UCC-1. Has anyone dealt with Texas UCC 11 rejections before? I'm worried about losing priority if I can't get this continuation filed properly. The loan amount is substantial ($340K) and my lender is asking for updates. What's the typical turnaround if I have to refile?
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Owen Devar
Texas can be really picky about exact debtor name matches on UCC-11 continuations. Even tiny differences like missing commas or different abbreviation formats (Corp vs Corporation) will trigger rejections. Double-check your original UCC-1 filing - sometimes what you think you copied exactly still has subtle formatting differences.
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Brooklyn Knight
•I pulled the original filing again and you're right - there's a period after 'Inc' on the UCC-1 that I missed on my continuation. Such a small detail but I guess that's enough for rejection.
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Daniel Rivera
•Texas SOS is notorious for this stuff. I've seen rejections for spaces being in different places. It's ridiculous but that's how their system works.
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Sophie Footman
UCC-11 continuations need to match the debtor name character-for-character with the original UCC-1. In Texas, you have a 6-month window after the 5-year anniversary to file the continuation, but priority stays intact as long as you file within that window. Check the filing number format too - Texas uses specific formatting that has to be exact.
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Brooklyn Knight
•The filing number looks right to me but maybe I should double-check that too. Original was filed in 2019 so I'm still within the window thankfully.
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Sophie Footman
•Good that you're within the window. For the refiling, make sure you're using the exact debtor name format from the original UCC-1, including any punctuation, spaces, and abbreviations exactly as they appear.
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Connor Rupert
•Wait, I thought Texas UCC-11 continuations had to be filed BEFORE the 5-year anniversary? Are you sure about the 6-month grace period?
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Molly Hansen
I went through something similar last year with a Texas UCC-11 filing. After getting frustrated with manual document comparisons, I found this tool called Certana.ai that lets you upload your original UCC-1 and your continuation documents as PDFs. It automatically checks for name mismatches and formatting inconsistencies between the documents. Saved me from another rejection - it caught a spacing issue I would have missed completely.
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Brooklyn Knight
•That sounds really helpful. Is it complicated to use or pretty straightforward?
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Molly Hansen
•Super easy - you just upload the PDFs and it highlights any discrepancies. Takes like 2 minutes and gives you confidence before you submit to Texas SOS.
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Brady Clean
ugh the texas sos portal is such a pain!! i swear they reject things just to collect more filing fees. had 3 rejections on one continuation last year before finally getting it right
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Skylar Neal
•I feel your pain. Sometimes it feels like they're just looking for reasons to reject filings.
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Owen Devar
•The multiple rejection thing is frustrating but usually it's because the debtor name formatting rules are so strict. Once you get the exact format right, subsequent filings go through smoothly.
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Vincent Bimbach
For Texas UCC-11 continuations, make absolutely sure you're using Form UCC11 specifically and not trying to file a UCC-3 amendment. I've seen people confuse the two. Also verify your original filing number is correctly referenced - Texas assigns specific formatting that needs to match exactly.
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Brooklyn Knight
•I used the UCC11 form but maybe I should verify the filing number format. Is there a specific pattern Texas uses?
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Vincent Bimbach
•Texas filing numbers typically follow a pattern with the year and sequential numbering. Check your original UCC-1 confirmation to see the exact format they assigned.
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Kelsey Chin
•Also double-check that you're filing in the right timeframe. Some people think they can file UCC-11 continuations anytime but there are specific windows.
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Norah Quay
Been doing UCC filings for 15 years and Texas continuations are among the most finicky. The debtor name has to be EXACTLY as it appears on the original UCC-1, including any weird formatting or punctuation. I always recommend pulling the original filing and doing a side-by-side comparison before submitting.
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Brooklyn Knight
•That's what I thought I did but clearly I missed something. Going to be extra careful on the refiling.
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Norah Quay
•Smart approach. Take your time with the comparison - those tiny details make all the difference in Texas.
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Leo McDonald
I remember when I first started doing UCC filings, I got so many rejections from various states. Texas was definitely one of the trickier ones for continuation filings. Now I always use document verification tools before submitting anything important.
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Jessica Nolan
•What kind of verification tools do you use?
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Leo McDonald
•I've had good luck with Certana.ai for document consistency checking. You upload your documents and it catches formatting mismatches that are easy to miss manually.
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Angelina Farar
Quick question - when you say UCC 11 Texas, are you referring to a UCC-11 continuation statement or something else? Just want to make sure we're all talking about the same form type.
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Brooklyn Knight
•Yes, UCC-11 continuation statement to extend the 5-year perfection period on my original UCC-1 filing.
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Sophie Footman
•That's correct - UCC-11 is the standard continuation form to extend the effectiveness of a UCC-1 financing statement.
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Sebastián Stevens
Had a similar experience with Texas rejections. The turnaround for refilings is usually 3-5 business days if you submit electronically, but make sure everything is perfect the second time around. Multiple rejections can create confusion in the filing record.
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Brooklyn Knight
•Good to know about the turnaround time. I'll be extra careful with the refiling to avoid any additional delays.
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Bethany Groves
•Also make sure to keep your lender updated on the status. They usually appreciate proactive communication about filing issues.
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KingKongZilla
This might be obvious but have you confirmed that your original UCC-1 is still active and hasn't lapsed? Sometimes people try to file continuations on UCC-1s that have already expired, which would cause automatic rejection.
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Brooklyn Knight
•The original UCC-1 was filed in 2019 so it should still be active until 2024. I'm filing the continuation before the 5-year mark.
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KingKongZilla
•Good, sounds like you're in the right timeframe then. The debtor name formatting is probably the culprit.
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Rebecca Johnston
•I was gonna suggest checking Certana.ai's document verification feature too - it's really good at catching those formatting issues that cause rejections.
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Nathan Dell
One more thing to check - make sure the secured party information is also exactly correct on your UCC-11. Sometimes people focus so much on the debtor name they miss discrepancies in the secured party details.
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Brooklyn Knight
•I'll double-check that too. Thanks for the reminder - I was so focused on the debtor name I might have overlooked the secured party info.
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Owen Devar
•That's a good point. Texas requires consistency across all fields, not just the debtor name.
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