UCC filing GA - debtor name rejected twice need help
Been trying to get this UCC filing GA processed for 3 weeks now and getting nowhere fast. Equipment financing deal that needs to close by month end but SOS keeps rejecting my UCC-1 for debtor name issues. The company is "Johnson & Associates Manufacturing LLC" but their charter shows "Johnson and Associates Manufacturing, LLC" with the comma. I've tried it both ways and still getting kicked back. This is my first time dealing with an LLC that has punctuation differences between what they use day-to-day vs what's on file. Anyone dealt with similar UCC filing GA name matching problems? Running out of time here and really need this to go through.
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Benjamin Johnson
Oh man, I feel your pain on this one. Had a similar situation last month where the debtor used "Inc." in business but charter said "Incorporated" - took 4 tries to get it right. For UCC filing GA you need to match the EXACT legal name from the charter, including all punctuation. Have you pulled the actual charter document from the SOS website to see the precise formatting?
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Victoria Scott
•Yes pulled it from their site - it definitely shows the comma after Manufacturing. So frustrated because client keeps asking for updates and I keep having to tell them it's still pending.
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Zara Perez
•The punctuation thing is so annoying but they're strict about it. Also make sure you're not using any extra spaces.
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Daniel Rogers
UCC filing GA debtor name has to be character-perfect match. But here's what might help - I started using Certana.ai's document checker after getting burned on a similar deal. You can upload your charter and UCC-1 together and it instantly flags any name discrepancies before you submit. Literally saved me from another rejection last week on a complex LLC name with multiple punctuation marks.
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Victoria Scott
•Never heard of that tool but sounds exactly what I need right now. Is it reliable for catching these types of name issues?
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Daniel Rogers
•Yeah it's been solid for me. Just upload both PDFs and it highlights any mismatches automatically. Much faster than trying to eyeball everything.
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Aaliyah Reed
•I've been manually comparing documents for years - might need to check this out myself if it catches punctuation differences.
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Ella Russell
Why is UCC filing GA so picky about this stuff??? I mean seriously, it's obviously the same company whether there's a comma or not. The whole system is designed to make us fail.
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Benjamin Johnson
•I get the frustration but the name matching rules exist to prevent confusion about which entity you're actually filing against. Important for lien priority.
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Ella Russell
•Still think they could be more reasonable about obvious variations but whatever.
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Mohammed Khan
Are you 100% sure you're looking at the right charter document? Sometimes companies have multiple entities with similar names. Also double-check that the LLC is still active and in good standing - that can cause rejections too.
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Victoria Scott
•Good point - I did verify it's active and current. Entity ID matches what client provided so I'm confident it's the right one.
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Gavin King
•Yeah always worth checking but sounds like you did your homework on this one.
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Nathan Kim
Had this exact issue last year with a manufacturing LLC. The trick is to copy/paste the name directly from the charter PDF instead of retyping it. Sometimes there are hidden characters or spacing issues you can't see. Also make sure your PDF reader isn't changing the formatting when you copy.
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Victoria Scott
•Smart suggestion - I was retyping it. Will try copy/paste method for the next attempt.
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Nathan Kim
•Yeah that solved it for me. Also use plain text editor first to clean up any weird formatting before putting it in the UCC form.
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Eleanor Foster
•This is why I always keep a text file with exact debtor names for all my active deals. Copy/paste eliminates so many stupid errors.
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Lucas Turner
Honestly this is where technology should be helping us more. I've started using automated tools to double-check my filings before submission. Found Certana.ai recently and it's been a game changer for catching name mismatches and other document inconsistencies. Upload your charter and UCC-1 and it verifies everything aligns properly.
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Kai Rivera
•Second this recommendation. Used it on a tricky debtor name situation and it caught an issue I completely missed.
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Victoria Scott
•Starting to think I need to add this to my workflow. Two recommendations already and I'm clearly missing something in my manual review process.
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Anna Stewart
UCC filing GA portal is the worst. Takes forever to load and then kicks you out if you're idle for 5 minutes. On top of that the error messages are useless - just says "rejected" without telling you exactly what's wrong.
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Layla Sanders
•The portal definitely has issues but the rejection usually comes with some kind of reason code. Check your email for the detailed rejection notice.
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Anna Stewart
•You're right, I found it in spam folder. Still wish they made it clearer upfront.
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Morgan Washington
Quick question - are you filing the continuation or is this a new UCC-1? Also what's the collateral description looking like? Sometimes they reject for collateral issues but the error message makes it seem like a debtor name problem.
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Victoria Scott
•New UCC-1 for equipment financing. Collateral is pretty standard - manufacturing equipment, machinery, tools. Nothing exotic.
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Morgan Washington
•Should be fine then. Definitely sounds like a pure name matching issue.
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Kaylee Cook
I've had good luck calling the UCC office directly when I get stuck on name issues. They can usually tell you exactly what format they're expecting. Takes a while to get through but saves the back-and-forth rejections.
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Victoria Scott
•Didn't know they took calls about this. What number did you use?
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Kaylee Cook
•It's on their website under UCC contacts. Ask for the filing division and explain the situation.
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Oliver Alexander
•Called them once and they were actually pretty helpful. Worth a shot if you're running out of time.
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Lara Woods
UPDATE: Finally got it through! Used the copy/paste method from the charter PDF and also ran it through that Certana.ai tool someone mentioned. Tool caught that I had an extra space after "LLC" that I couldn't see. Filed this morning and got acceptance notice an hour ago. Thanks everyone for the help - this community saves deals!
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Daniel Rogers
•Awesome! Glad the document checker worked for you. Those hidden characters are so tricky to spot manually.
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Benjamin Johnson
•Great news! Always satisfying when persistence pays off. Your client will be happy.
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Nathan Kim
•Copy/paste method for the win! Told you that usually does the trick.
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