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Jacob Lewis

UCC SOS portal rejected my filing - debtor name format issue

Been dealing with this nightmare for 3 weeks now. Filed a UCC-1 through our state's SOS portal for a commercial loan secured by restaurant equipment. Portal keeps rejecting it saying 'debtor name format incorrect' but I'm copying the name exactly from the LLC's articles of incorporation. The debtor is 'Miller's Family Restaurant, LLC' and I've tried it with the apostrophe, without it, spelled out 'Millers Family Restaurant LLC' - nothing works. SOS customer service just says 'follow the exact legal name' but won't tell me what format they want. This is holding up a $180k equipment financing deal and my client is getting furious. Anyone dealt with similar SOS portal debtor name formatting issues? What am I missing here?

I've seen this exact issue with apostrophes in LLC names. Most SOS systems strip out punctuation automatically but some are pickier. Have you tried entering it as 'MILLERS FAMILY RESTAURANT LLC' in all caps? Some states require exact match to how it appears in their business entity database, not the articles.

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Jacob Lewis

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Tried all caps already, same rejection. The business entity search shows it as 'Miller's Family Restaurant, LLC' with apostrophe and comma. So frustrating that the portal won't accept what their own database shows.

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Ethan Clark

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Check if there are any hidden characters when you copy/paste from the entity search. Sometimes there are non-breaking spaces or other characters that look normal but cause rejections.

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Mila Walker

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This is why I always verify debtor names through multiple sources before filing. You need to check the exact format in the Secretary of State's business entity database, not just the articles. The database format is usually what the UCC system expects, but sometimes even that's wrong.

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Logan Scott

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Exactly this. I had a client where the entity database showed the name one way but the UCC system wanted it completely different. Took 4 attempts to get it right.

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Jacob Lewis

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That's exactly my problem - the entity database and UCC system seem to want different formats. How did you figure out what the UCC system actually wanted?

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Logan Scott

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Had to call multiple times and finally got someone who could see the exact format their system expected. Also started using document verification tools to catch these issues early.

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Chloe Green

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I ran into something similar last month with a UCC-1 filing. Found this tool called Certana.ai that lets you upload your articles of incorporation and UCC-1 form together - it automatically flags name inconsistencies before you submit. Would have saved me three rejected filings if I'd known about it earlier. Just upload both PDFs and it highlights any mismatches.

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Lucas Adams

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Never heard of that but sounds useful. Does it work with all state formats or just certain ones?

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Chloe Green

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Works with any PDFs - it's doing document comparison not state-specific formatting. Really helpful for catching those tiny differences that cause rejections.

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Jacob Lewis

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Might be worth trying at this point. Getting desperate and client is threatening to find another lender.

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Harper Hill

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OMG this is giving me flashbacks to my own filing disaster. Spent 2 months going back and forth with SOS over a debtor name. Turns out they wanted 'AND' instead of '&' even though the articles had the ampersand. These systems are so picky it's ridiculous.

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Caden Nguyen

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The inconsistency between different government databases is insane. Why can't they all use the same naming standards?

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Harper Hill

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Right? And they act like it's obvious when their own systems contradict each other. So stressful when you have closing deadlines.

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Avery Flores

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Try removing the comma after 'Restaurant' - so 'Miller's Family Restaurant LLC'. I've noticed some SOS systems are really particular about commas in LLC names. Also double-check that you're filing against the correct entity ID number if your state uses those.

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Jacob Lewis

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Good point about the entity ID. I've been using the registered number from the articles but maybe I should verify it matches what's in their current database.

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Zoe Gonzalez

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Definitely verify the entity ID. I had one where the number changed when they renewed their registration but the old articles still showed the original number.

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Ashley Adams

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Had this exact issue with an apostrophe in a business name. SOS portal kept rejecting until I manually typed it instead of copy/pasting. Sometimes the copy/paste introduces weird encoding issues that look fine to us but the system rejects.

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Jacob Lewis

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I'll try manually typing it. At this point I'm willing to try anything. This is such a simple filing but turning into a nightmare.

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Also try typing it in Notepad first to strip any formatting, then copy from there into the portal. Sometimes helps with hidden characters.

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Ashley Adams

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That's a good tip. I always use Notepad as an intermediary step now for exactly this reason.

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Aaron Lee

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Are you sure you're in the right debtor name field? Some UCC systems have separate fields for individual vs organization names and if you put an LLC name in the individual field it auto-rejects.

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Jacob Lewis

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Using the organization name field, not individual. But that's a good reminder to double-check all the field selections.

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I made that mistake once - put a corporation name in the individual field by accident. Took me forever to figure out why it kept rejecting.

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Michael Adams

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This is why I always run a UCC search first to see how similar names are formatted in existing filings. Sometimes gives you a clue about what format the system actually accepts vs what the entity database shows.

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Jacob Lewis

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Smart idea. I'll search for other filings with similar LLC names to see the pattern.

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Natalie Wang

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Yeah, existing filings are like a cheat sheet for how that particular SOS office likes names formatted.

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Noah Torres

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I do this too - search for filings with similar business names in the same state. Usually shows you the exact format they want.

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Samantha Hall

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Try calling the SOS UCC division directly instead of general customer service. The UCC specialists usually understand these formatting issues better than the general help desk.

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Jacob Lewis

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I'll try that tomorrow. Maybe the UCC specialists can actually look at my specific filing and tell me what's wrong.

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Ryan Young

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The UCC specialists are definitely more helpful. They can usually tell you the exact issue instead of just saying 'follow the legal name'.

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Sophia Clark

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Update: Finally got it filed! Used that Certana tool someone mentioned to compare my docs and it flagged that I had a subtle spacing issue - there was an extra space before 'LLC' that wasn't visible. Fixed that and the filing went through immediately. Thanks for all the suggestions!

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Glad you got it sorted! Those invisible spacing issues are the worst - so hard to catch manually.

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Chloe Green

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Awesome! That's exactly the kind of thing that tool is good at catching. Saves so much frustration.

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Madison Allen

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Three weeks for a spacing issue... these systems really need better error messages. Glad it's finally done!

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