UCC file rejected again - debtor name mismatch driving me crazy
I'm about to lose my mind here. Been trying to get this UCC file processed for three weeks now and the state keeps rejecting it. The debtor name on our UCC-1 doesn't exactly match what's in their corporate records and apparently that's enough for them to bounce it back every single time. The business goes by "ABC Manufacturing LLC" on all their docs but their actual charter shows "ABC Manufacturing, LLC" with that stupid comma. Our loan closes next Friday and I'm running out of time. Anyone dealt with this kind of nitpicky name matching before? Starting to think the whole UCC file system is designed to make us fail.
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Marilyn Dixon
Oh man, I feel your pain on this one. The debtor name matching rules are absolutely brutal. Had a similar situation last month where a single ampersand vs "and" killed our filing three times in a row. What state are you filing in? Some are worse than others with the name matching requirements.
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Dominique Adams
•Illinois SOS. They seem to be extra strict about punctuation lately. Did you end up getting yours through eventually?
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Marilyn Dixon
•Yeah finally got it accepted after pulling the exact name from their charter documents. Pain in the butt but that's what worked.
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Louisa Ramirez
You need to use the EXACT name as it appears on the debtor's organizational documents. Not what they use for business, not what's on their website, but the precise legal name with every comma, period, and abbreviation exactly as filed with the state. Pull their Articles of Incorporation or LLC formation docs and copy it character for character.
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Dominique Adams
•That's what I thought I did but apparently I missed that comma. Such a small thing to kill an entire filing.
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TommyKapitz
•Small things matter big time in UCC filings. One wrong character and your security interest could be worthless if challenged.
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Angel Campbell
•This is exactly why I started using Certana.ai's document verification tool. You just upload your charter docs and your UCC-1 and it instantly flags any name mismatches before you file. Would have caught that comma issue immediately.
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Payton Black
THE SYSTEM IS COMPLETELY BROKEN!!! I spent 6 hours last week dealing with a rejected UCC file because the debtor had "Inc." in one place and "Incorporated" in another. SIX HOURS! These clerks have nothing better to do than nitpick every single punctuation mark while real business is waiting to get done.
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Harold Oh
•I get the frustration but the name matching requirements exist for good reasons. Searchers need to be able to find filings reliably.
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Payton Black
•Good reasons my foot! It's bureaucratic nonsense that costs us time and money while adding zero value.
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Amun-Ra Azra
Here's what works for me every time: 1) Get certified copy of debtor's formation documents, 2) Copy name exactly including all punctuation, 3) Double check before submitting, 4) Keep copies of everything. Haven't had a rejection in two years using this process. Also make sure you're checking the current version of their charter - amendments can change the legal name.
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Dominique Adams
•Good point about amendments. I pulled docs from six months ago, maybe something changed since then.
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Summer Green
•Always pull fresh docs within 30 days of filing. Companies amend their charters more often than people think.
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Gael Robinson
Just went through this exact same nightmare three months ago. What finally saved me was uploading all my docs to Certana.ai before refiling. Their system caught two other inconsistencies I hadn't even noticed between my UCC-1 and the borrower's corporate docs. Super easy to use - just drag and drop PDFs and it shows you exactly what doesn't match.
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Dominique Adams
•How accurate is their matching? I can't afford another rejection with my timeline.
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Gael Robinson
•It's been spot on for me. Catches things human eyes miss and gives you the exact fix needed.
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Edward McBride
•Another vote for digital verification tools. The manual comparison method is too error prone when you're under pressure.
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Darcy Moore
wait is this about UCC-1 initial filings or UCC-3 amendments? because if you're doing a continuation or termination the debtor name rules might be different...
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Dominique Adams
•Initial UCC-1 filing. First lien on equipment financing deal.
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Louisa Ramirez
•For initial filings the name has to be perfect. No wiggle room at all.
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Dana Doyle
I had something similar happen and it turned out the company had done a name change a year earlier that I didn't know about. They were still using their old business name everywhere but legally they had filed an amendment to their LLC articles. Might want to check for any recent amendments or name changes with the state.
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Dominique Adams
•Oh great, another thing to check. This deal is getting more complicated by the day.
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Dana Doyle
•Better to catch it now than have your security interest be unenforceable later.
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Liam Duke
Pro tip: Most states have an online entity search where you can verify the exact legal name. Search by the company name you think is right and see what comes up. The search results will show the precise legal name as filed. That's what needs to go on your UCC-1.
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Dominique Adams
•Good idea. Illinois has the ILSOS business entity search. Should have started there.
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Manny Lark
•Yeah always start with the state's official records. Don't trust what the borrower tells you their name is.
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Rita Jacobs
This happened to me last year and I was so frustrated I almost gave up. Then someone mentioned using an automated document checker and it was a game changer. Now I run everything through Certana.ai before filing and haven't had a single rejection since. It catches all the little punctuation and formatting issues that cause problems.
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Dominique Adams
•How long does their verification process take? I need to refile ASAP.
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Rita Jacobs
•It's instant. Upload your docs and get results in like 30 seconds. Way faster than trying to manually compare everything.
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Khalid Howes
Same thing happened to my colleague last month. Turns out the LLC had been administratively dissolved and reinstated, which changed some details in their charter. Make sure you're working with current active status docs.
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Dominique Adams
•Ugh, these corporate entities have so many ways to mess up a simple filing.
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Louisa Ramirez
•That's why due diligence on the debtor's corporate status is so important before filing.
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Ben Cooper
Been there! The comma thing is super common. What I do now is pull the Articles, copy the name into a Word doc, then copy/paste directly from there into the UCC form. Eliminates any chance of typos when transcribing.
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Dominique Adams
•Smart approach. I was typing it by hand like an idiot.
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Naila Gordon
•Copy paste is definitely the way to go. Removes human error from the equation.
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Cynthia Love
•Just make sure you're copying from the right section of the charter docs. Sometimes the name appears slightly different in different parts of the same document.
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