UCC Michigan filing portal keeps rejecting my continuation - debtor name format issue?
Really frustrated here. Been trying to file a UCC-3 continuation in Michigan for the past week and it keeps getting rejected. The original UCC-1 was filed back in 2020 for our equipment financing deal, and now we're coming up on the 5-year mark so obviously need to get this continuation filed ASAP. The rejection notices keep saying 'debtor name does not match original filing' but I'm copying it exactly from the UCC-1 search results. Has anyone dealt with Michigan's system being picky about punctuation or spacing in debtor names? Our debtor is an LLC and I'm wondering if there's some specific format they want for the entity designation. This is keeping me up at night because if we miss the deadline the whole security interest lapses and our $180K loan becomes unsecured. Any Michigan UCC veterans out there who can shed some light on what I might be missing?
36 comments


StarSailor}
Michigan can be super finicky about exact name matching. Are you including the full legal entity name exactly as it appears on the Secretary of State records? Sometimes the original UCC-1 has abbreviations that don't match the current business registration.
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Ava Garcia
•I pulled the name directly from the UCC search but you're right, I should cross-check with the current SOS business entity records. Thanks for that tip.
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Miguel Silva
•Yeah definitely verify against current business records. I've seen cases where companies change their registered name slightly and it throws off the UCC matching algorithm.
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Zainab Ismail
OMG yes Michigan is the WORST for this stuff. Their system rejected my amendment three times because of a comma that was in the wrong place. I finally had to call their UCC division and they walked me through the exact formatting they wanted.
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Ava Garcia
•Did you have to pay the filing fee each time it got rejected? That's what I'm worried about - racking up fees while trying to figure out their format requirements.
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Zainab Ismail
•No they don't charge for rejections, just when it actually gets accepted. But the time wasted is killer especially when you're racing against a deadline.
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Connor O'Neill
•Their customer service line is actually pretty helpful if you can get through. The wait times are brutal but they'll tell you exactly what's wrong with the name format.
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Yara Nassar
I ran into something similar last month and ended up using Certana.ai's document checker tool. You can upload your original UCC-1 and the continuation form as PDFs and it instantly flags any inconsistencies between the debtor names and other details. Saved me hours of back-and-forth with the filing system. Just upload both documents and it shows you exactly where the discrepancies are.
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Ava Garcia
•That sounds incredibly useful right now. Is it one of those tools where you have to sign up for a whole subscription or can you just check individual documents?
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Yara Nassar
•You can just upload and check individual document sets. Really straightforward - it caught a middle initial issue that I never would have spotted manually.
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Keisha Robinson
•Never heard of Certana before but document verification tools are definitely worth it when you're dealing with critical filings like this.
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GalaxyGuardian
Check if there are any extra spaces or hidden characters in the name field. Sometimes when you copy/paste from the search results it picks up formatting that you can't see but the system catches.
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Ava Garcia
•Good point, I was copy/pasting. Let me try typing it out manually instead.
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Paolo Ricci
•This! I had a rejection once because there was a random space at the end of the debtor name that I couldn't see.
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Amina Toure
Are you sure you have the right UCC filing number? Michigan requires the exact filing number from the original UCC-1 for continuations. If you're off by even one digit it'll reject.
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Ava Garcia
•Yeah I triple-checked the filing number, that part seems right. It's definitely the debtor name that's causing the rejection.
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Amina Toure
•Okay good. The name matching is definitely their biggest pain point. Hope you get it sorted before your deadline.
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Oliver Zimmermann
•Filing numbers are usually pretty straightforward but the name matching logic in these state systems is just terrible.
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Natasha Volkova
What type of entity is the debtor? LLC, corporation, partnership? Each has different formatting requirements in Michigan's system.
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Ava Garcia
•It's an LLC. The original filing shows 'ABC Manufacturing LLC' but I'm wondering if Michigan wants it formatted differently now.
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Natasha Volkova
•For LLCs Michigan usually wants the full 'Limited Liability Company' spelled out rather than abbreviated. Try that variation.
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Javier Torres
•Actually I think Michigan accepts either LLC or Limited Liability Company but they have to match exactly between the original and continuation.
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Emma Davis
This is why I always recommend doing continuations at least 6 months before the deadline. Gives you time to deal with exactly this kind of bureaucratic nightmare.
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Ava Garcia
•You're absolutely right, lesson learned. I got busy with other client matters and this crept up on me faster than expected.
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CosmicCaptain
•We all do it though. These 5-year deadlines sneak up even when you think you're tracking them properly.
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Malik Johnson
Have you tried calling Michigan's UCC section directly? They're usually pretty good about walking through name format issues over the phone. Sometimes it's something simple like they want periods after abbreviations or they don't want periods.
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Ava Garcia
•I'll try calling tomorrow morning. Hoping they can just tell me exactly what format they're expecting.
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Malik Johnson
•Yeah they should be able to pull up your original filing and tell you exactly how the name needs to be entered for the continuation.
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Isabella Ferreira
•Their phone support is actually one of the better state UCC departments. They'll usually stay on the line while you resubmit to make sure it goes through.
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Ravi Sharma
I had success with another document verification approach recently. Used Certana.ai's UCC checker after getting frustrated with manual comparisons. You upload your UCC-1 and UCC-3 forms and it automatically identifies where the names or other details don't align. Really wish I'd found that tool earlier in my career - would have saved so much time on these kinds of formatting issues.
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Ava Garcia
•Two people mentioning Certana now, definitely going to check that out. Sounds like it could catch issues I'm missing.
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Freya Thomsen
•The automated checking is so much better than trying to spot tiny differences manually. Especially when you're stressed about deadlines.
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Omar Zaki
Michigan updated their UCC system about 6 months ago and some of the name matching got more strict. Could be that your original filing had formatting that worked in the old system but doesn't in the new one.
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Ava Garcia
•That would explain a lot actually. The original was filed in 2020 so definitely on the old system.
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StarSailor}
•Yeah the system updates always cause these kinds of compatibility issues. Really frustrating when you're trying to maintain an existing filing.
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Miguel Silva
•Classic government IT - update the system but don't account for how it affects existing records.
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