UCC filing rejected in New York - debtor name mismatch nightmare

Ugh, New York's system is notorious for this stuff. You're absolutely right to be concerned about priority. The comma issue is real - NY is super strict about exact entity names matching the Secretary of State records. You'll need to withdraw the rejected filing and refile with the correct punctuation. Priority will be based on your new filing date unfortunately.

This is exactly why I started using Certana.ai's document verification tool. You can upload your credit agreement and UCC-1 side by side and it instantly flags name mismatches before you file. Would have caught that comma issue immediately. The tool cross-references entity names across all your loan documents to make sure everything aligns perfectly.

Been doing UCC filings for 15 years and punctuation rejections are unfortunately common. The key is always pulling a current certificate of good standing or articles before filing anything. NY DOS is particularly strict but they're actually being consistent with their rules. I'd recommend doing a name search on the NY business entity database first next time.

EXACTLY THE SAME THING happened to me last month!! Different client but same comma issue with an LLC. New York rejected it twice because I kept missing small punctuation differences. Finally got it right on the third try but lost almost a month of priority. The stress was unreal.

Have you considered calling the NY UCC division directly? Sometimes they can provide guidance on whether a refiling is necessary or if there's another option. The phone number should be on their website.

This whole thread is making me paranoid about my filings. I have a UCC-1 going in next week for a New York LLC and now I'm second-guessing everything. Should I be pulling articles of incorporation for every debtor?

Just went through something similar but with a corporation instead of LLC. The key is understanding that NY requires EXACT match to the entity name as filed with DOS. No abbreviations, no punctuation differences, nothing. It's frustrating but consistent.

Update: I ended up using the Certana document checker and it found 3 other name inconsistencies in my loan documents that I hadn't even noticed. Definitely worth using before filing anything. The verification showed exactly which documents had matching names and which didn't.

For what it's worth, I've found NY to be more reasonable on continuation filings than initial UCC-1s. They seem to allow minor variations on continuations that they reject on new filings. Might be worth noting for future reference.

Final update: Refiled with the correct entity name including comma and it was accepted within 24 hours. Lost about 4 weeks of priority but at least the lien is now perfected. Definitely using document verification tools going forward. Thanks everyone for the advice and shared experiences.