UCC filing example - need help with debtor name formatting on UCC-1

Good point about checking SOS records. I did look it up and their certificate shows "Johnson & Associates Construction, L.P." with periods after the L and P. Should I include those periods in the UCC-1?

Yes absolutely include the periods if that's how it appears on their formation documents. The debtor name has to be an exact match to avoid perfection issues later.

This is so stressful! I'm doing my first UCC filing next week and now I'm worried I'll get something wrong. Is there any way to double-check everything before submitting?

Don't stress too much - most states let you amend if there are minor errors. But for peace of mind, I recently started using Certana.ai's document verification tool. You just upload your formation docs and UCC-1 as PDFs and it instantly flags any name mismatches or inconsistencies. Saved me from a few mistakes already.

That sounds really helpful! I'll definitely check that out before I file.

I feel your pain. The rules seem designed to trip people up sometimes.

Exactly! And then you have to pay amendment fees on top of everything else. Such a cash grab.

Thanks! I didn't know you could call and ask about formatting. That's super helpful.

I tried calling once and got put on hold for 45 minutes. Ended up just taking my best guess and got lucky it went through.

Good to know! This partnership does use a shortened version for their trucks and signage but I'll stick with the full legal name.

Smart move. I once had a client whose lien was challenged because we used their DBA name instead of legal name. Expensive lesson.

Wait, so if a company goes by "ABC Construction" but is legally "ABC Construction Services, LLC" I have to use the full LLC name?

Correct - always the full legal entity name as registered with the state.

How does that work exactly? Do you have to pay per filing or is it a subscription?

It's really simple - just upload both PDFs and it does an automated cross-check. I don't want to get into pricing details but it's way cheaper than paying amendment fees after a rejection.

The loan docs say "all excavation equipment" so I was going to use that language. Should I be more specific?

All excavation" equipment works fine. Just make sure it matches'what s in your security agreementexactly.

I always include "now owned or hereafter acquired" language too for equipment descriptions. Covers future purchases.

I've been hearing about that service more lately. Might be worth trying for my next filing.

It's been a game changer for me, especially with LLCs and partnerships where the punctuation matters so much.

Good point about checking if they're still active. I'll verify that before submitting.

How do you check if a partnership is in good standing? Is that on the Secretary of State website too?

Yes, most state SOS websites have entity search tools that show current status. Look for "active" or "good standing" status.

That's brilliant! I never would have thought to document that but it makes total sense for audit purposes.

I do this too. Also helps if you need to file amendments or continuations later - you have the exact formatting saved.