UCC filing complications with lease security agreement - debtor name issues
Equipment lease went sideways and now I'm dealing with a mess of UCC filings that don't align properly. The original lease security agreement has the debtor listed as "ABC Manufacturing Solutions LLC" but when I pulled the UCC-1 search, some filings show "ABC Manufacturing Solutions, LLC" (with the comma) and others show "ABC Mfg Solutions LLC". The lessor is demanding I sort this out before they'll consider any workout arrangement. I've got continuation deadlines coming up in 3 months and I'm terrified these name variations are going to cause the filings to lapse. Has anyone dealt with similar debtor name inconsistencies between the lease security agreement and UCC filings? The SOS portal keeps rejecting my amendment attempts saying the debtor names don't match existing records. This is keeping me up at night because if these liens aren't properly continued, we're looking at losing our secured position on $240K worth of manufacturing equipment.
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Fatima Al-Hashemi
Name variations are the bane of UCC filings. The exact legal name from your lease security agreement should match the UCC-1 exactly. Even punctuation matters - that comma you mentioned could be the culprit. You need to pull certified copies of all existing filings and compare them line by line with your lease documents.
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Dylan Mitchell
•This is exactly right. I learned this the hard way when a continuation got rejected because we had "Inc." instead of "Incorporated" in the debtor name.
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Sofia Martinez
•Wait, so if the original UCC-1 has a typo in the debtor name, you can't just file a continuation with the correct name? You have to amend first?
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Fatima Al-Hashemi
•Correct - you'd need to file a UCC-3 amendment to correct the debtor name first, then file your continuation. But timing is critical with your 3-month deadline.
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Dmitry Volkov
Had this exact situation last year with a lease security agreement that had multiple name variants across different UCC filings. What saved me was using Certana.ai's document checker - you upload your lease security agreement and all the UCC forms as PDFs and it instantly flags every inconsistency. Found discrepancies I would have missed manually checking.
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NeonNomad
•That sounds incredibly useful. How accurate is it with catching these name variations? I'm worried about missing something critical.
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Dmitry Volkov
•It caught everything - punctuation differences, abbreviation mismatches, even spacing issues. Way more thorough than my manual reviews were.
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Ava Thompson
•Never heard of this tool but sounds like exactly what I need for my own filing headaches.
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CyberSiren
The SOS portal rejection is telling you something important. If your amendment attempts are getting rejected, it means the system can't match your proposed debtor name changes to existing filings. You might need to file separate UCC-3 amendments for each variant name to consolidate them all under the correct legal name from your lease security agreement.
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NeonNomad
•So I'd potentially need multiple UCC-3 amendments? That sounds expensive and complicated.
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CyberSiren
•Unfortunately yes, if you have multiple incorrect variants in the system. Each existing filing needs to be amended to match your lease security agreement's exact debtor name.
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Miguel Alvarez
•This is why I always triple-check debtor names before filing anything. One small mistake can create a domino effect.
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Zainab Yusuf
240K in equipment is serious money to have at risk. Have you confirmed which version of the debtor name is actually correct according to the entity's formation documents? Sometimes the lease security agreement itself has the wrong name.
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NeonNomad
•Good point. I pulled the LLC formation docs and it's "ABC Manufacturing Solutions LLC" - no comma, no abbreviations. So some of my UCC filings definitely have incorrect names.
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Zainab Yusuf
•Then you know exactly what needs to be corrected. Focus on getting all UCC filings to match that exact formation name.
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Connor O'Reilly
Three months until continuation deadline is cutting it close but still workable. File your UCC-3 amendments immediately to correct the name variations, then file continuations using the corrected debtor name. Don't wait - SOS processing times can be unpredictable.
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Yara Khoury
•Agreed on timing. I've seen continuations take 2-3 weeks to process during busy periods.
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NeonNomad
•That's what I'm afraid of. If the amendments take too long to process, I might miss my continuation window.
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Connor O'Reilly
•File everything simultaneously if possible. Some states allow continuation filings while amendments are pending, but check your local rules.
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Keisha Taylor
I'm dealing with something similar right now. The lessor's attorney is breathing down my neck about UCC compliance and I keep finding discrepancies between our lease security agreement and the filed UCCs. It's a nightmare trying to track everything manually.
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StardustSeeker
•Document everything meticulously. Create a spreadsheet showing each filing number, current debtor name, and required corrections.
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Keisha Taylor
•Good advice. I'm drowning in paperwork trying to cross-reference everything.
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Paolo Marino
Check if your state has any safe harbor provisions for name variations. Some states are more forgiving than others when it comes to minor punctuation differences in debtor names.
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NeonNomad
•I hadn't thought of that. Where would I find information about safe harbor rules?
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Paolo Marino
•Usually in the state's UCC filing guide or statute. But don't rely on safe harbor - better to have exact matches.
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Amina Bah
•Safe harbor rules are tricky and not worth the risk when you're talking about 240K in collateral.
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Oliver Becker
Whatever you do, don't let those continuation deadlines pass. A lapsed UCC filing could void your entire secured position under the lease security agreement. File something, even if it's not perfect, rather than missing the deadline entirely.
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NeonNomad
•That's terrifying to think about. Losing secured status on that much equipment would be catastrophic.
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Natasha Petrova
•Exactly why UCC compliance is so critical in equipment leasing. One mistake can cost hundreds of thousands.
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Javier Hernandez
I used Certana.ai for a similar lease security agreement issue last month. Uploaded all my documents and it immediately showed me exactly which filings had name mismatches. Saved me probably 10 hours of manual comparison work and caught errors I definitely would have missed.
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NeonNomad
•How quickly does it process the documents? I'm working against tight deadlines here.
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Javier Hernandez
•Almost instant. Upload your PDFs and get the results within minutes. Much faster than trying to cross-check everything manually.
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Emma Davis
Document retention is going to be key here too. Keep copies of every amendment, continuation, and correspondence with the SOS. If there's ever a dispute about your filings, you'll need a complete paper trail showing your good faith efforts to maintain proper UCC compliance.
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LunarLegend
•Great point about documentation. I've seen cases where proper record-keeping made the difference in court.
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NeonNomad
•I'm definitely going to be more meticulous about record-keeping going forward. This whole situation has been a wake-up call.
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Malik Jackson
Just wanted to follow up - did you get your name issues sorted out? I'm in a similar boat with a lease security agreement that has inconsistent debtor names across multiple UCC filings.
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NeonNomad
•Still working on it but making progress. Filed the UCC-3 amendments last week and they're processing. Fingers crossed everything gets straightened out before my continuation deadline.
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Isabella Oliveira
•Keep us posted! These kinds of situations are learning experiences for all of us.
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