UCC SOS system rejecting my continuation - debtor name issue?

That's what I was afraid of. So even if the legal name has changed or the original filing had a typo, I'm stuck with whatever was filed originally?

For a continuation yes, you match the original. If the legal name actually changed you'd need to do an amendment first to update the debtor info, then continue the amended filing.

ugh this is why I hate the electronic filing system. At least with paper filings you could call and get a human to look at it

True but at least now we get instant feedback instead of waiting weeks to find out about rejections. Still frustrating though.

Never heard of that service. Does it actually catch punctuation differences and formatting issues?

Yeah it's pretty thorough. I uploaded a UCC-3 last week where I had accidentally changed 'Co.' to 'Company' and it caught it immediately. Way better than guessing and getting rejected.

I might have to try that. Getting rejections is such a time waster especially when you're up against continuation deadlines.

Good idea, I'll check that. I have the original filing number so should be easy to find.

Make sure you're looking at the right version if there were any amendments filed after the original UCC-1. You want the most current debtor name on file.

That's terrifying. So if I can't get this continuation accepted in time, the whole lien just dies?

Yep, once it lapses you lose perfection. You'd have to file a brand new UCC-1 and that creates a gap in your security interest.

And good luck explaining that gap to your bank's loan committee. They don't like hearing about lapsed liens on secured debt.

Smart practice. I should start doing that instead of relying on my loan files which might have the name formatted differently.

How did you finally resolve it? Just match the original filing exactly?

Exactly. No comma in the continuation because no comma in the original UCC-1. System accepted it immediately after that.

This is why I use those document verification tools now. Too easy to miss these details when you're manually comparing names across different documents.

Agreed! Would save everyone so much time if they just highlighted the specific problem instead of these vague error codes.

At least they give you an error message. Some states just reject with no explanation at all.

Perfect! That should go through without any issues now.

Glad you got it sorted. Those name matching requirements are a pain but at least they're consistent once you know the rules.

Fingers crossed! Will definitely be more careful about this stuff in the future.

Several people have mentioned that service. Sounds like it would be worth trying for my other filings.

I tried it after getting burned on a similar name issue. Really thorough - checks filing numbers, debtor names, everything matches up properly.