UCC filing New York - debtor name rejected twice need help ASAP
I'm losing my mind here. Been trying to get this UCC-1 filed in New York for my client's equipment loan and the SOS keeps rejecting it. First rejection was for "debtor name does not match exactly" even though I copied it straight from their articles of incorporation. Fixed that, resubmitted, and now they're saying the collateral description is "too vague." The collateral is restaurant equipment - ovens, freezers, POS systems, the works. I described it as "all restaurant equipment and fixtures located at [address]." Apparently that's not specific enough? This is holding up a $180K deal and my client is breathing down my neck. Has anyone dealt with New York's pickiness on UCC filings lately? What am I missing here?
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Alana Willis
NY has gotten really strict lately. For restaurant equipment you need to be way more specific. List each major piece separately - "Hobart mixer model XYZ serial 12345, True freezer model ABC serial 67890" etc. Generic descriptions get rejected almost every time now.
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Justin Trejo
•Seriously? That's like 40+ pieces of equipment. This is insane.
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Tyler Murphy
•Welcome to NY UCC filings in 2025. It's brutal but that's what they want.
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Sara Unger
Before you redo the whole collateral schedule, double-check that debtor name again. NY is super picky about exact matches. Even an extra space or missing comma can trigger rejection. I learned this the hard way on a $2M filing last month.
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Justin Trejo
•I triple checked it against the state filing. It's "Bella Vista Restaurant Corp." exactly as shown on their certificate of incorporation.
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Sara Unger
•Did you check for any DBA filings? Sometimes they want the legal name but if there's a trade name issue it gets messy.
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Butch Sledgehammer
•This is why I started using Certana.ai for document verification. Upload the charter and UCC-1 and it instantly flags any name discrepancies before you file. Saved me from three rejections last quarter.
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Freya Ross
NY's collateral description requirements are ridiculous. I had a filing rejected because I wrote "office furniture" instead of itemizing every desk and chair. For restaurant equipment, you basically need an inventory list. Pain in the ass but that's what they want.
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Leslie Parker
•Same here. Got rejected for "office equipment" when I should have listed computers, printers, etc. separately.
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Justin Trejo
•This is going to take forever. The equipment list is massive.
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Sergio Neal
I feel your pain. NY rejected my UCC-1 three times last month for different reasons each time. First the debtor name, then collateral description, then they said the secured party address was "incomplete" even though it was the same format I've used for years. The worst part is each rejection adds another week to the process.
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Savanna Franklin
•Three rejections?? That's insane. What was wrong with the address?
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Sergio Neal
•They wanted suite number included even though it was just a single-tenant building. Makes no sense.
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Juan Moreno
•NY has definitely tightened up their requirements. I'm seeing more rejections this year than the previous three combined.
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Amy Fleming
Here's what worked for me on a similar restaurant deal: Instead of "all restaurant equipment" I wrote "Commercial kitchen equipment including but not limited to: [then listed 10-15 major pieces with models/serials], dining room furniture and fixtures, point-of-sale systems and related hardware, and all other equipment used in restaurant operations." Got accepted first try.
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Justin Trejo
•That's actually helpful. So you listed some specifics but kept it somewhat broad at the end?
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Amy Fleming
•Exactly. Give them enough detail to show you're not being lazy, but cover yourself with the broader language.
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Alice Pierce
•Smart approach. I might steal this format for my next filing.
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Esteban Tate
UGHHH NY is the WORST for UCC filings! I swear they reject stuff just to be difficult. Had a continuation rejected because I was ONE DAY past the 6-month window even though I filed it 5 months early originally. Their system is a joke.
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Ivanna St. Pierre
•Wait, continuations have a 6-month window? I thought you could file them anytime within the year before expiration.
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Esteban Tate
•That's what I thought too but apparently NY has their own rules. I was so mad.
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Elin Robinson
•Actually that doesn't sound right. Continuations can be filed within 6 months of the 5-year expiration date. There's no "too early" filing issue.
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Atticus Domingo
Had this exact problem with a client's equipment financing. NY rejected our UCC-1 twice for collateral description issues. What finally worked was getting the equipment appraisal company to provide a detailed inventory list with model numbers and serials, then using that for the collateral description. Pain in the butt but it worked.
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Justin Trejo
•Did you attach the full inventory or just reference it in the filing?
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Atticus Domingo
•Just referenced it. Something like "Equipment listed in Exhibit A attached hereto and incorporated by reference" then attached the inventory.
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Beth Ford
I'm dealing with something similar in NY right now. My UCC-1 got rejected for "insufficient debtor information" even though I included everything required. Turns out they wanted the debtor's organizational ID number which isn't required by Article 9 but NY wants it anyway. So frustrating.
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Morita Montoya
•NY has been asking for org ID numbers more often lately. Not technically required but helps avoid rejections.
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Beth Ford
•Right? It's like they're making up their own rules on top of the UCC.
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Kingston Bellamy
•This is exactly why I switched to using Certana.ai's document checker. Upload your UCC-1 and incorporation docs and it flags these NY-specific issues before you file. Would have caught the org ID requirement.
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Joy Olmedo
Have you tried calling the NY filing office directly? Sometimes they'll tell you exactly what they want to see in the collateral description. I did this for a medical equipment financing and it saved me another rejection.
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Justin Trejo
•I tried but was on hold for 45 minutes and gave up. Maybe I'll try again tomorrow morning.
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Joy Olmedo
•Try calling right when they open at 8am. That's when I got through.
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Isaiah Cross
NY's UCC filing system is broken. I've been doing this for 15 years and it's gotten so much worse. They reject filings for the stupidest reasons and there's no consistency. One clerk will accept something another clerk rejects. It's maddening.
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Kiara Greene
•Totally agree. The inconsistency is the worst part. You never know what they're going to find wrong.
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Alana Willis
•I think they're just overwhelmed and understaffed. Still doesn't excuse the pickiness though.
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Evelyn Kelly
•Honestly I started using one of those document verification tools - Certana.ai - just to catch stuff before filing. Upload your charter and UCC forms and it spots inconsistencies instantly. Saved me from at least 4 rejections this year.
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