UCC filing rejected - debtor name formatting issues with electronic system

This worked for me last month! Also make sure there's no extra spaces anywhere in the name field.

Wait, but doesn't that change the legal entity name? I thought UCC required exact name matches to the formation documents.

We pulled the entity info directly from the state database. The official name shows 'Johnson & Associates, LLC' with both the ampersand and comma.

Then you might need to file using exactly that format but escape the special characters somehow. Each state system handles this differently.

Had a similar nightmare with a client's name that had parentheses. Took us 6 attempts to get the formatting right.

That sounds perfect for our situation. How quickly does it process the documents?

Pretty much instant. Upload both PDFs and it cross-checks everything - debtor names, entity types, even catches subtle differences in punctuation that cause rejections.

Wish I'd known about this before I spent 3 weeks going back and forth with filings last quarter.

Good luck getting through to anyone helpful on the phone these days. Most offices just refer you back to the online help guides.

True, but worth a shot if you're facing a deadline. Sometimes you get lucky and reach someone who actually knows the system quirks.

Paper filing takes forever though and most states are phasing it out anyway.

Yeah but at least your filing didn't get rejected for using a comma in a business name. The automation is supposed to make things easier but it just creates new problems.

I get the frustration but electronic filing is way faster when it works. Just need better validation rules upfront.

Smart approach! The UCC search database usually shows accepted filings with the exact name format that worked.

Great idea - I'll check the database right now to see if there are any existing liens against this entity.

Absolutely this. I've seen deals fall apart because someone rushed a UCC filing with the wrong entity name.

How long do you typically have to correct a filing error like this? Is there a grace period or do you have to start over completely?

No grace period for debtor name errors. You'd need to file a new UCC-1 with the correct information, which could affect your priority date.

Entity name changes are the worst! Did you have to search for amendments to the original formation documents?

The tool actually flagged the discrepancy automatically when I uploaded both the current formation docs and our UCC-1 draft. Saved hours of manual checking.

Yes please! I bookmark these threads for future reference when I run into similar problems.

Will definitely post the solution once we get it accepted. This has been way more complicated than it should be.

Tell me about it. I file in multiple states and have to keep notes on each system's quirks and formatting requirements.

At least most states use the same basic forms now. Remember when every state had completely different UCC-1 layouts?

True, the standardization helped a lot. But the electronic systems still have their own personality disorders.