UCC-3s Keep Getting Rejected for Debtor Name Issues

This is exactly why I always tell people to be extra careful with debtor names on the original UCC-1. But that doesn't help when you're dealing with old filings.

The comma thing drives me crazy! How is 'ABC Manufacturing LLC' different from 'ABC Manufacturing, LLC' in any meaningful way?

Do I need to provide documentation of the name change, or is just listing both names sufficient?

Usually just listing both names is enough for the UCC-3 filing itself, but you should have the name change documentation in your loan file for compliance purposes.

Some states are pickier than others about name change documentation. I'd recommend checking with your state's filing office directly.

How does that work exactly? Do you just upload the PDFs and it compares them?

Yeah, you upload both documents and it automatically cross-checks debtor names, filing numbers, and other details. It highlighted the exact discrepancies that would cause rejections.

That sounds really helpful. I've been doing manual comparisons but obviously missing things.

That's a good point. One of them expires in about 6 weeks, so I definitely need to prioritize that one.

Always file the continuation first if you're cutting it close. You can clean up name issues later with amendments.

This is solid advice. I've seen too many liens lapse because people were trying to fix name issues instead of just continuing with the original information.

Tell me about it. I got a rejection that just said 'debtor name mismatch' with no indication of what part was wrong.

The worst part is paying the filing fee again for something that should have been caught upfront.

Interesting point. The original UCC-1 has 'John Smith' but the current documentation shows 'John R. Smith'. Should I stick with just 'John Smith' on the UCC-3?

Exactly. The UCC-3 needs to match the original filing exactly, even if you have more complete information now.

This is correct. The debtor name on the UCC-3 should match the UCC-1 exactly unless you're specifically filing to change the name.

Yeah, the old paper system was more flexible. Now everything has to be perfect.

Technology was supposed to make this easier, not harder!

Good point. I should probably check the state business registry to confirm the actual legal name changes versus just different name usage.

Always verify with the Secretary of State's business entity database. That's the official record of legal name changes.

UCC-1 addendums aren't really a thing anymore under revised Article 9. You'd need to file a new UCC-1 if you want to start fresh.

You're right, I was thinking of the old system. New UCC-1 would be the way to go for a fresh start.

But then you lose your original priority date, which could be important depending on other liens.

That's a great idea. I should have thought to call them directly instead of just trying to figure it out from the rejection notices.

The rejection notices are useless half the time. A quick phone call saved me multiple re-filings.

Thanks for the recommendation. At this point I'm willing to try anything to avoid more rejections.

Document verification tools are becoming pretty essential for UCC work. Too many small details to catch manually.

Oh wow, I hadn't even thought about the filing number format. I've been copying and pasting from the original UCC-1 but maybe there are formatting issues.

Yeah, some states are really picky about the exact format. Double-check the original filing number format against what you're putting on the UCC-3.

That document checker I mentioned earlier also verifies filing number consistency, which is another common rejection reason.