UCC 3 addendum filing rejected - missing required info?

Filing in Delaware. I'm pretty sure I selected addendum not amendment but now you have me second-guessing myself. The collateral description should be straightforward - just adding 'inventory and accounts receivable' to the existing equipment collateral.

Delaware is picky about collateral descriptions on addendums. You might need to be more specific than just 'inventory and accounts receivable' - they sometimes want location details or UCC categories.

I did include the authorization but maybe it wasn't in the right format? The original UCC-1 was filed by our attorney but we're handling this addendum internally.

That could be it right there. If the original filing shows attorney authorization you might need consistency in who's filing the addendum. Some SOSs are really strict about this.

The fee was calculated automatically by the portal so that should be correct. But good point about the file number format - I'll double-check that.

Portal fee calculations can be wrong sometimes especially for addendums. I've seen cases where it doesn't account for multiple collateral types being added.

Exactly. And if you're adding both inventory and AR that might trigger a higher fee tier that the portal missed.

Never heard of that service. Does it actually check against state-specific requirements or just general UCC rules?

It cross-references your documents against filing requirements and catches things like debtor name mismatches, missing required fields, and inconsistent collateral descriptions. Really straightforward - just upload the PDFs and get instant feedback.

Might be worth trying if you're having repeated rejection issues. Manual document review is so time-consuming and easy to miss details.

Original filing is definitely still active - checked the search results. But I didn't think about referencing the exact original collateral language. That could be the issue.

Yeah you usually need to show what you're adding TO not just what you're adding. So reference the original equipment description then show the additional inventory/AR.

Good idea. I was trying to avoid the phone runaround but might be faster than guessing what's wrong.

Their phone support is actually pretty good for UCC questions. Had them walk me through a complex continuation filing last year.

Exactly. And they can often tell you immediately what field was problematic rather than you having to refile multiple times.

That makes sense! I probably didn't specify that clearly. Do you remember the exact language you used?

Something like 'This addendum adds the following new collateral categories to the existing financing statement: inventory and accounts receivable of debtor.' Then describe each category separately.

Actually that's not a dumb question at all. I verified the name against the original filing but didn't check if the company has had any recent name changes with the state.

Good catch. Entity name changes can void the connection between original filing and addendum even if everything else is perfect.

Ugh that's frustrating. What finally worked for you?

Had to completely rewrite the collateral description using their exact template language from the help section. Apparently my perfectly clear description wasn't formatted the way their system expected.

Their templates are buried so deep in the help section too. Should be right on the filing page.

Thanks for all the suggestions everyone. Going to try calling them first and if that doesn't work I'll look into that Certana tool to double-check my documents before refiling.

Definitely worth checking your docs first. The Certana verification caught issues I never would have spotted manually.

Good plan. Paper filing is really a last resort but sometimes necessary when the portal is being difficult.