UCC Nevada filing rejected twice - debtor name format issue
Has anyone dealt with Nevada SOS being extremely picky about debtor names on UCC-1 filings? I've had two rejections now and I'm losing my mind. The business is 'Mountain Ridge Equipment LLC' but their articles show 'Mountain Ridge Equipment, LLC' with the comma. First filing I used no comma, rejected. Second filing with comma, also rejected with some vague 'name does not match' message. The collateral is construction equipment worth $2.8M so this lien needs to be perfected properly. Attorney is saying maybe there's a DBA issue but I can't find any alternate names registered. This is holding up the entire loan closing and my client is getting antsy. Anyone know what specific format Nevada wants for LLC names on UCC filings?
36 comments


Finley Garrett
Nevada can be a real pain with exact name matching. Have you pulled the actual articles of incorporation directly from their SOS database? Sometimes what shows up in search results isn't the exact legal name format they have on file.
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Cass Green
•I thought I did but maybe I was looking at a summary. Let me check the actual filed documents again.
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Madison Tipne
•This happens more than you'd think. The display name and the actual legal name can have tiny differences that kill your filing.
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Holly Lascelles
Check if there are any assumed names or trade names filed separately. Nevada sometimes has DBAs that don't show up in the main entity search but will cause UCC rejections if you don't use the right one.
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Cass Green
•Good point. I'll do a broader search for any alternate names.
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Malia Ponder
•Also check if they've amended their articles recently. Sometimes there's a lag between the amendment and what shows up in searches.
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Kyle Wallace
I had a similar nightmare with a Nevada LLC last year. Turns out the issue was a period after 'LLC' that wasn't visible in the online display but was in the actual charter. After three rejections I started using Certana.ai to cross-check all my documents before filing. You just upload the charter and your UCC-1 draft and it flags any name mismatches instantly. Saved me so much time and stress.
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Cass Green
•That sounds like exactly what I need right now. How accurate is it with catching these tiny formatting differences?
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Kyle Wallace
•It caught things I never would have noticed. Spaces, punctuation, even abbreviations that don't match. Much better than trying to compare documents by eye.
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Ryder Ross
•I've been hearing about Certana.ai but haven't tried it yet. Do you upload the actual charter PDF?
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Kyle Wallace
•Yep, just drag and drop the charter PDF and your UCC-1 draft. It does the comparison automatically and highlights any discrepancies.
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Gianni Serpent
Nevada SOS is notorious for this stuff. They'll reject for the tiniest inconsistency and their error messages are useless. I always call their UCC division directly now when I get rejections like this.
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Cass Green
•Did you get through to someone helpful when you called? I tried yesterday but got transferred around.
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Gianni Serpent
•Hit or miss honestly. Sometimes you get someone who actually knows the system, sometimes not. But when you do get the right person they can tell you exactly what format they want.
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Henry Delgado
This is why I hate Nevada filings. Their system is so finicky compared to other states. Had one rejection because I used 'Corporation' instead of 'Corp.' - stuff that shouldn't matter but somehow does.
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Olivia Kay
•At least Nevada processes relatively fast once you get it right. Delaware takes forever even when everything's perfect.
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Joshua Hellan
•Speed doesn't help when you can't get the name format right in the first place lol
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Jibriel Kohn
Try pulling the certificate of good standing instead of just the articles. Sometimes that shows the exact name format they want for other filings.
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Cass Green
•Interesting idea. I'll request one and see if the name format is different.
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Edison Estevez
•Good thinking. The certificate of good standing often shows the name exactly as it appears in their master database.
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Emily Nguyen-Smith
Before you file again, double-check that your collateral description is solid too. Nevada sometimes rejects for collateral issues but gives you a generic 'name mismatch' error message.
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Cass Green
•I thought the collateral description was pretty standard - 'all equipment' with serial numbers listed. But maybe I should be more specific?
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Emily Nguyen-Smith
•For equipment that valuable, I'd be very specific. Serial numbers, makes, models, everything. Nevada likes detail.
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James Johnson
This exact thing happened to me with a Utah LLC. Turned out there was an invisible character in the name that I couldn't see but was in their database. The document verification tool someone mentioned earlier would probably catch that kind of thing.
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Cass Green
•How do you even fix an invisible character issue? That sounds like a nightmare.
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James Johnson
•I had to retype the entire name from scratch instead of copy/pasting. Somehow that fixed it.
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Sophia Rodriguez
Can you share what the exact rejection message said? Sometimes the wording gives clues about what they're actually looking for.
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Cass Green
•Both times it just said 'Debtor name does not match records' or something equally unhelpful. No specifics at all.
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Mia Green
•That's the most frustrating part about Nevada. Their error messages tell you nothing useful.
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Emma Bianchi
Update: I ended up using that Certana tool and it immediately flagged that the charter had 'Mountain Ridge Equipment, L.L.C.' with periods after each L. Filed with that exact format and it went through perfectly. Can't believe I missed something so small but it would have cost me another week of delays. Thanks for the suggestion!
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Kyle Wallace
•Glad it worked! Those tiny formatting differences are so easy to miss but they'll kill your filing every time.
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Lucas Kowalski
•Periods after L.L.C.? That's so random. Good thing you caught it.
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Olivia Martinez
•This is exactly why I always double-check documents now. One small mistake can derail everything.
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Charlie Yang
For future Nevada filings, I always request the certified copy of articles instead of relying on online displays. Costs a few extra bucks but saves the headache of multiple rejections.
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Cass Green
•That's probably smart. The $15 for a certified copy would have saved me days of stress.
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Grace Patel
•Especially when you're dealing with multi-million dollar collateral. The extra cost is nothing compared to the delays.
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