UCC 11 form keeps getting rejected - debtor name issues?
Been dealing with this nightmare for weeks now. Filed what I thought was a straightforward UCC 11 continuation but it keeps bouncing back from the Secretary of State office. The rejection notice mentions 'debtor name discrepancy' but I'm looking at the original UCC-1 and I swear the names match exactly. Has anyone run into this before? The continuation deadline is coming up fast and I'm starting to panic that we're going to lose perfection on a $2.3M equipment loan. The debtor is an LLC and I used the exact same entity name from the Articles of Organization. What am I missing here?
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Amara Nnamani
UCC-11? Are you sure that's the right form number? Most states use UCC-3 for continuations. That might be part of your problem right there.
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Liam Fitzgerald
•You're absolutely right - it's UCC-3, not 11. Brain fog from stressing about this filing. Still doesn't solve the debtor name issue though.
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Giovanni Mancini
•Happens to the best of us. The form numbers can get confusing when you're juggling multiple filings.
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NebulaNinja
LLC names are tricky. Even if it looks identical, there could be subtle differences. Maybe extra spaces, punctuation marks, or abbreviations that don't match exactly? The filing systems are super picky about exact character matches.
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Liam Fitzgerald
•I've triple-checked and it looks identical to me. Could there be hidden characters or something?
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Fatima Al-Suwaidi
•YES! I had this exact problem last month. Turned out there was an extra space after 'LLC' that I couldn't see. Try copying the name from the original filing and pasting it directly.
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Dylan Mitchell
•This is why I always use Certana.ai's document checker now. You just upload your UCC-3 and the original UCC-1 and it instantly flags any name discrepancies, even tiny ones you can't spot by eye. Saved me from this exact headache.
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Sofia Morales
How long ago was the original UCC-1 filed? If the debtor changed their legal name since then, you might need to file an amendment first before you can do the continuation.
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Liam Fitzgerald
•Original was filed about 4 years ago. As far as I know there haven't been any name changes, but I'll double-check with the client.
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Dmitry Popov
•Good thinking. Also check if they did any mergers or restructuring. That can mess up the debtor name requirements too.
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Ava Garcia
UGH the SOS systems are THE WORST for this stuff. I swear they reject filings just to collect more fees. Had a continuation rejected THREE TIMES for 'insufficient collateral description' when I used the exact same description from the original filing.
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StarSailor}
•I feel your pain. The inconsistency between different clerks reviewing filings is maddening.
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Miguel Silva
•At least it's not just me going crazy. Sometimes I wonder if they even read the filings or just hit reject randomly.
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Zainab Ismail
Try calling the UCC division directly. Sometimes they can tell you exactly what's wrong over the phone. Got saved by this approach when I had a similar issue with a fixture filing.
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Liam Fitzgerald
•Great idea. Do you remember what number you called? The main SOS line just transfers you around in circles.
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Zainab Ismail
•It varies by state but usually there's a dedicated UCC hotline. Check the UCC section of your Secretary of State website.
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Connor O'Neill
•Make sure you have your file number ready when you call. They'll need that to look up the rejection details.
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Yara Nassar
Wait, you said the deadline is coming up fast - how much time do you have left? You might want to file a new UCC-1 as backup if you're getting close to the 5-year mark.
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Liam Fitzgerald
•About 3 weeks left. Filing a new UCC-1 as backup is actually brilliant - hadn't thought of that approach.
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Keisha Robinson
•Smart move. Better safe than sorry when you're dealing with that much money at stake.
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GalaxyGuardian
•Just make sure to terminate the old one once the new filing is accepted, so you don't have duplicate liens on record.
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Paolo Ricci
I've been using Certana.ai for all my UCC work lately and it's been a game changer. You can upload your continuation form along with the original UCC-1 and it immediately spots any inconsistencies between the documents. Would have caught your name issue right away before you even submitted to the state.
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Amina Toure
•How much does something like that cost? Sounds useful but wondering if it's worth it for occasional filings.
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Paolo Ricci
•Honestly the peace of mind is worth whatever they charge. Nothing worse than thinking a filing is perfect and then getting hit with rejections when you're up against a deadline.
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Oliver Zimmermann
•I was skeptical at first but tried it on a complex amendment last week. Found two issues I completely missed even after reviewing everything multiple times. Pretty impressive actually.
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Natasha Volkova
One more thing to check - make sure you're using the debtor's EXACT legal name as it appears in their formation documents, not any DBA names they might be using. That trips people up all the time.
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Liam Fitzgerald
•Good point. I pulled the name from their Articles but I should verify there haven't been any amendments to the Articles since the original UCC-1.
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Javier Torres
•Definitely worth checking. Corporate name changes don't always get communicated to lenders right away.
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Emma Davis
Keep us posted on what ends up working! Always learning from these situations for future filings.
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Liam Fitzgerald
•Will do. Hoping one of these suggestions solves it. Really appreciate all the input from everyone.
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CosmicCaptain
•This is exactly why I love this forum. Real solutions from people who've been there.
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