UCC-3 Florida Amendment Rejected - Debtor Name Issues

I retyped it from looking at our copy of the original filing. Maybe that was my mistake? The company name is pretty straightforward - ABC Manufacturing LLC - but maybe there's a punctuation issue I'm missing.

That's probably it. Always pull the exact name from the SOS search results, not from your own records. Florida's system is case-sensitive and space-sensitive too.

Three weeks?? That's cutting it close on perfection timing. Did your lender freak out about the gap?

They weren't happy but we got it resolved. The key is documenting everything and keeping the lender informed. Florida does give you that 20-day window to correct rejected filings.

Good to know about the 20-day rule. I'm on day 3 so still have time but want to get this right the second time around.

Never heard of Certana.ai but sounds useful. Is it expensive? We're already over budget on this deal with all the legal fees.

It's pretty reasonable and way cheaper than dealing with multiple rejected filings and potential perfection gaps. The PDF upload feature catches things human eyes miss - like extra spaces or formatting differences.

I second this recommendation. Used Certana for a multi-state filing project and it caught several debtor name mismatches that would have caused headaches later.

OMG yes! Florida is THE WORST for picky rejections. I once had a continuation rejected because I used 'dba' instead of 'd/b/a' in the debtor name.

You guys are making me nervous about my upcoming Florida filings. Is there any state that's actually user-friendly for UCC work?

Delaware and Nevada are pretty straightforward. But Florida... bring your patience and attention to detail.

Good advice. I'll do that today. Just logged into the Florida SOS site and can see our original filing. Now I need to go character by character.

Also double-check the secured party name while you're at it. Florida sometimes rejects for secured party mismatches too, especially if there were any assignments or name changes since the original filing.

That's a classic mistake. The UCC system is literal - it doesn't interpret or make connections between related names. You have to use the exact name that appears on the original filing.

Our situation is all the same legal entity name, so hopefully it's just a formatting issue. Thanks for the heads up though.

Yeah, sounds like you're on the right track. The formatting thing is super common in Florida. They're more strict than most other states about exact matches.

It was filed in early 2023 so we've got about 3 more years. But good point about keeping track of the continuation deadline.

Set a calendar reminder for 6 months before expiration. Florida doesn't send courtesy notices and if you miss the deadline, your lien becomes unperfected.

We're adding CNC machinery and some fabrication equipment. Kept the description pretty general like 'all equipment' but maybe I should be more specific?

General descriptions are usually fine for amendments. The key is consistency with your original filing's style. If the original was general, keep it general.

Exactly. Don't overthink the collateral description if the original filing used broad language. Focus on getting the debtor name perfect first.

I downloaded the form directly from the Florida SOS website last week, so it should be current. But I'll double-check the version number.

Smart move. I learned that lesson the hard way when they rejected my termination for using an outdated form. Always grab the latest version from their official site.

Two people have mentioned Certana now so I'll definitely check it out. Sounds like it could prevent future headaches.

It's particularly helpful for multi-document consistency checks. You can upload your charter documents, original UCC-1, and new UCC-3 to make sure everything aligns properly.

I was skeptical at first but it really does catch things you miss manually. Especially helpful when you're dealing with multiple entities or complex debtor structures.

Will do! Planning to refile tomorrow after I triple-check everything against the original record. Fingers crossed for an acceptance this time.

Good luck! The fact that you're being so careful this time around suggests it'll go through without issues.