UCC 9 financing statement rejection - debtor name exact match issue

This is so frustrating! I had the same thing happen with a Missouri filing where the LLC had a comma in the state records but not in the public database. Wasted three days on refilings.

The comma thing is real. Also check for periods after LLC - some states require 'L.L.C.' format even though nobody writes it that way.

Good advice. I've found that calling around 10 AM works best - after they've had coffee but before the afternoon rush.

Yes! And get the person's name who helps you. Sometimes you need to call back with follow-up questions and it helps to reference who you spoke with.

Thanks, I'll try calling first thing Monday morning. Hopefully they can sort this out quickly since I'm running short on time.

Never heard of that service but sounds useful. How accurate is it with catching these kinds of discrepancies?

Pretty solid in my experience. It flagged a middle initial that was in the articles but missing from my UCC form. Way faster than manually comparing documents line by line.

Good point about recent changes. Also worth checking if they have any DBAs or trade names that might complicate things.

DBA confusion is the worst. Had a client who did business as three different names and we had to figure out which one was the 'real' legal entity for the UCC filing.

They incorporated about 6 months ago, so hopefully not too recent to cause system issues. No DBAs that I'm aware of.

I feel your pain. The worst is when they reject for something that's not even required by the UCC rules but is some random state-specific formatting preference.

Yeah the address thing is ridiculous. Like, it's the same location whether you write Street or St!

Yeah first time in this state. Previously dealt mostly with corporations which seem more straightforward. These LLC formatting rules are confusing.

LLCs are definitely trickier than corps for name matching. Corporations have pretty standardized naming conventions but LLCs can be all over the place.

That's a good catch. The registered agent details sometimes have the full formal version of the company name.

Yes! And check both the current registered agent AND the original filing. If they changed agents, the name format might have changed too.

This is the best advice. The certified copies will have the exact name formatting that the filing system expects.

Agreed. Worth the small fee to get the certified document rather than guessing at formatting.

Good idea. I'll order the certified articles of organization today. Should have them by Wednesday which still gives me time to refile if needed.

How long does that verification process take? Sounds like it could save a lot of back-and-forth with the state office.

Pretty much instant once you upload the files. Way faster than trying to manually compare documents, especially when you're dealing with long entity names.

Will do! Hopefully calling the SOS office Monday will clear things up. Really appreciate all the suggestions from everyone.

Yeah please update. I file in this state pretty regularly and would be good to know what formatting they prefer for LLCs.

Same here. Always helpful to learn from other people's rejection experiences so we can avoid the same mistakes.