UCC filing Tapia Auto Sales debtor name rejection help needed
Been dealing with a nightmare UCC-1 filing situation for weeks now. Working on a floor plan financing deal for an auto dealership called Tapia Auto Sales and the filing keeps getting rejected by the SOS office. The problem seems to be with how we're listing the debtor name - sometimes they go by "Tapia Auto Sales LLC" and other times just "Tapia Auto Sales" on different documents. Our lender is getting impatient and I'm worried about the perfection timing. The original articles of incorporation show one version but their DBA filing shows another. Has anyone dealt with similar auto dealer name variations? I've refiled this thing three times already and each rejection sets us back another week. The collateral description covers their entire vehicle inventory but that won't matter if we can't get the debtor name right. Really need some guidance on the proper way to handle these business name discrepancies before this deal falls apart completely.
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Chloe Martin
Auto dealership names are always tricky! I've seen this exact issue with several car lots. The key is to check what name is actually on file with the Secretary of State as the official legal entity name. Don't go by DBAs or what they call themselves on invoices - you need the registered business name from their formation documents.
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Diego Fernández
•This is exactly right. Had a similar issue last month with a Toyota dealership where they were using three different name variations. Always start with the SOS business entity search to get the exact registered name.
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Anastasia Kuznetsov
•But what if the borrower signed the loan docs with the DBA name? Doesn't that create a mismatch between the security agreement and the UCC filing?
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Sean Fitzgerald
Ugh, been there! Auto dealers are the worst for this because they often have multiple business names for different locations or services. You might want to try uploading your documents to Certana.ai's verification tool - it cross-checks debtor names between your security agreement and UCC-1 to catch these mismatches before filing. Saved me from multiple rejections when I was dealing with a similar multi-name dealer situation.
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Zara Khan
•Never heard of Certana.ai but that sounds useful. How does it work exactly?
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Sean Fitzgerald
•You just upload your PDFs and it automatically compares debtor names across all documents. Takes like 2 minutes and flags any inconsistencies. Way better than manually comparing everything.
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MoonlightSonata
•Honestly anything that prevents another rejection is worth trying at this point. These auto dealer deals are time sensitive.
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Mateo Gonzalez
Check if Tapia Auto Sales has any subordinate or affiliate entities too. Sometimes dealerships have separate LLCs for different business functions and you might need to file against multiple debtors depending on who actually owns the inventory.
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Omar Farouk
•Good point - I should verify the ownership structure. The floor plan agreement mentions inventory financing but I haven't confirmed if there are separate entities involved.
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Nia Williams
•Also make sure you're not missing any "and/or" situations where they might operate under both names legally.
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Luca Ricci
Have you tried calling the SOS filing office directly? Sometimes they can tell you exactly why the filing was rejected and what name format they're expecting. I know it's obvious but their phone support has helped me with tricky debtor name issues before.
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Omar Farouk
•I did call but got transferred around and didn't get clear answers. The rejection notices just say "debtor name does not match" but don't specify what they want to see.
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Aisha Mohammed
•That's frustrating. The rejection notices are usually pretty vague. Did you try searching their online database to see if there are any existing UCC filings against this debtor under different name variations?
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Omar Farouk
•Actually that's a great idea - I should check existing filings to see what name format other lenders have used successfully.
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Ethan Campbell
Floor plan financing on auto inventory is stressful enough without name issues! Make sure your continuation strategy is solid too since these deals often run longer than the standard 5-year term. But yeah, get the debtor name locked down first or nothing else matters.
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Yuki Watanabe
•Good reminder about continuations. Auto inventory financing can definitely stretch beyond 5 years depending on the dealer's growth plans.
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Omar Farouk
•Haven't even gotten to thinking about continuations yet - still stuck on getting the initial filing accepted!
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Carmen Sanchez
I'd recommend getting copies of all business formation documents directly from the state - articles of incorporation, operating agreement, any amendments. Sometimes there are name changes or variations that aren't obvious from other sources. For auto dealers especially, they might have changed their legal structure over time.
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Andre Dupont
•This is solid advice. I've seen dealers who started as sole proprietorships and later incorporated but kept using the old name on some documents.
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Omar Farouk
•I'll request certified copies of their formation docs. Better to be thorough than keep getting rejections.
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Zoe Papadakis
•Also check if they have any name reservations or pending name changes on file. That could explain the discrepancies.
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ThunderBolt7
Whatever you do, don't file using multiple name variations on the same UCC-1 thinking it'll cover all bases. That usually just confuses the filing office and creates more problems. Pick the correct legal name and stick with it.
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Jamal Edwards
•Yeah I made that mistake once - tried to list like 4 different name variations and it got rejected for being confusing.
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Omar Farouk
•Good to know - I was actually considering that approach but I'll avoid it.
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Mei Chen
Hope you get this sorted out soon! Auto dealer financing can be really profitable but the UCC filing requirements are strict. Once you nail down the correct debtor name, the rest should be straightforward since vehicle inventory is pretty standard collateral.
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Omar Farouk
•Thanks for the encouragement. Yeah the collateral description part was easy - it's just this name issue that's been the headache.
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Liam O'Sullivan
•You'll get there. These auto dealer deals are worth the extra effort once they're properly documented.
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Amara Okonkwo
One more thought - if you're still having trouble after getting the official name, you might want to use that Certana.ai tool mentioned earlier to double-check everything before refiling. At this point any extra verification step could save you from another rejection cycle.
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Omar Farouk
•Definitely going to try that. Can't afford another rejection with this timeline.
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Giovanni Marino
•Smart move. Document verification tools are becoming pretty essential for complex commercial filings like this.
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Fatima Al-Sayed
Update us when you get it resolved! Always interested to hear how these auto dealer name issues get sorted out since they're so common in floor plan financing.
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Omar Farouk
•Will do - thanks everyone for the help. Going to gather all the formation documents and verify everything before the next attempt.
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Dylan Hughes
•Good luck! Auto dealer UCC filings are always an adventure but you've got solid advice here.
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NightOwl42
•Hopefully the 4th time's the charm on this filing!
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