UCC filing debtor name rejected three times - need help before lapse deadline

I did check the SOS website but there's conflicting info. The search results show one version but when I click through to the actual document it shows slightly different. It's like they have inconsistent data in their own system.

That happens more than you'd think. The search function sometimes pulls old data or abbreviated versions. Always go with what's on the actual filed document, not the search results.

The error message just says 'debtor name does not match Secretary of State records' but doesn't specify which part is wrong. I haven't included any DBAs because I wasn't sure if that would help or make it worse.

Yeah, don't add DBAs unless you're absolutely certain they're needed. That usually just creates more confusion. Focus on getting the exact legal name right first.

Have you tried calling the filing office directly? Sometimes they can tell you exactly what name format they have on file. It's not always obvious from the online search.

That sounds helpful - does it work with documents from different states? My borrower is an LLC formed in Delaware but operating here.

Yeah, it handles multi-state situations. You just upload the formation documents and your UCC draft and it highlights discrepancies. Really straightforward to use.

I've used similar document checking tools but they're hit or miss. How accurate is this one with picking up subtle name differences?

Pretty accurate in my experience. It flagged punctuation differences I would have missed and caught an extra word that wasn't in my UCC filing. Much better than trying to compare documents manually.

I hear you but entity filings are a fact of life in commercial lending. You just have to be extra careful with the details.

Yeah but when the state's own database has inconsistent information, what are you supposed to do? It's like they want you to fail.

Filing where they were organized (Delaware) but also need to file here for the equipment since it's located in this state. That's why I'm so stressed - if I mess up the Delaware filing, my whole security interest could be unperfected.

Ah okay, so you need both filings. Yeah, Delaware can be tricky with entity names. They're usually pretty strict about exact matches.

Delaware is definitely strict but their online system usually gives more specific error messages. Are you filing through their portal or using a service company?

I've tried both with and without punctuation. The comma seems to be the main issue but I can't figure out which version is correct.

Try pulling a certified copy of the formation documents directly from the state. That should show you exactly how the name was filed originally.

I wish I had known about that before starting this mess. At this point I'm willing to try anything to get this filed correctly.

Is it expensive? I'm always looking for tools to catch these kinds of errors before they become problems.

It's pretty reasonable for what it does. Much cheaper than having to deal with rejected filings and potential perfection issues. The peace of mind alone is worth it.

Good point. I've been so focused on the state records I didn't think to go back to the source. Let me reach out to their counsel.

Yeah, sometimes there are recent filings that haven't been updated in the online system yet. Always worth checking directly with the entity.

I hadn't considered the LLC part might be the issue. I've been focusing on the company name portion. Let me try different variations of the entity designation.

Good catch. Some states are really particular about entity designations. Worth trying all the common variations.

Exactly. I've seen filings rejected because someone used 'Inc' instead of 'Inc.' or 'Incorporated'. The devil is in the details with these systems.

Definitely do your homework upfront. It's so much easier to catch these issues before you submit than to deal with rejections and time pressure.

Yeah, I'm definitely going to look into that Certana thing. Better safe than sorry when it comes to perfecting security interests.

Will do! I'm going to try the document verification approach and also call the entity's attorney tomorrow. Hopefully one of those will solve it before my deadline.

Rooting for you! Nothing worse than perfection issues because of administrative errors.

Thanks everyone for the help. This community is a lifesaver when you're dealing with urgent filing issues like this.