UCC filing rejected - personal property security agreement debtor name issue
Filing a UCC-1 for the first time and running into problems with my personal property security agreement. The SOS portal rejected my filing twice now saying there's a debtor name mismatch but I copied it exactly from the security agreement. The debtor is an LLC and I used "ABC Manufacturing Solutions, LLC" which matches their articles of incorporation exactly. The collateral is equipment financing for manufacturing machinery worth about $340K. Anyone know what I'm missing here? The continuation deadline is coming up in 18 months and I can't afford to mess this up since it could void our lender agreement. Really frustrated with this whole process.
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Mateo Rodriguez
I had the same issue last month! The problem might be that your security agreement debtor name doesn't exactly match the UCC filing system requirements. Even though it matches the articles of incorporation, sometimes there are slight variations in how the LLC name appears in different documents. Did you check if there are any middle initials, periods, or abbreviations that might be different?
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Nia Thompson
•Thanks for responding. I triple-checked the spelling and punctuation. The security agreement shows "ABC Manufacturing Solutions, LLC" and that's exactly what I put on the UCC-1. Could it be something with the registered agent name instead?
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GalaxyGuardian
•No, registered agent doesn't matter for UCC filings. Focus on the exact legal entity name. Sometimes the issue is spacing or how commas are handled.
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Aisha Abdullah
Been through this nightmare before. The personal property security agreement debtor name has to EXACTLY match what's on file with the state, not just what's in your loan docs. Try searching the secretary of state database for the exact entity name format they have registered.
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Nia Thompson
•Good point. I'll check the SOS entity search. Didn't think about variations in their database vs our paperwork.
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Ethan Wilson
•This is exactly why I always do entity searches first. Saves so much headache later.
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Yuki Tanaka
•YES! I learned this the hard way after three rejected filings. Always verify against state records first.
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Carmen Diaz
I actually found a solution for this exact problem recently. After dealing with multiple rejected UCC filings due to name mismatches between my security agreements and UCC documents, I started using Certana.ai's document verification tool. You just upload your personal property security agreement PDF and your UCC-1 PDF, and it instantly cross-checks all the debtor names, filing numbers, and document consistency. Caught three name discrepancies I would have missed manually. Really simple to use - just drag and drop the PDFs and it highlights any inconsistencies between documents.
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Andre Laurent
•Never heard of that tool but sounds useful. Manual document comparison is such a pain especially with multiple amendments and continuations.
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Nia Thompson
•Interesting. Might be worth trying if I keep getting rejections. How accurate is it with picking up subtle name differences?
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Carmen Diaz
•Pretty accurate in my experience. It flagged things like extra spaces and punctuation differences that I totally missed. The Charter to UCC-1 workflow was especially helpful for entity name verification.
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AstroAce
Another thing to check - make sure you're not mixing up the debtor and secured party fields. I've seen people accidentally put the lender name in the debtor field when working with personal property security agreements. Also verify that your collateral description matches between the security agreement and UCC-1.
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Nia Thompson
•Definitely have those in the right fields. Debtor is the LLC, secured party is our bank. Collateral description is pretty standard - all equipment and machinery.
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Zoe Kyriakidou
•Sometimes "all equipment" isn't specific enough depending on your state. Some require more detailed descriptions.
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Jamal Brown
UGH the filing system is so frustrating!! I spent HOURS on a continuation last week and it got rejected for the stupidest reason. The portal errors are never clear about what's actually wrong.
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Mei Zhang
•Tell me about it. The error messages are useless. "Name mismatch" could mean literally anything.
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Liam McConnell
•The whole system needs an overhaul. Other states have much clearer filing processes.
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Amara Oluwaseyi
Check if the LLC has any assumed names or DBAs filed. Sometimes the personal property security agreement uses a trade name but the UCC filing needs the exact legal entity name. Also, some states are picky about abbreviations - like "LLC" vs "L.L.C." with periods.
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Nia Thompson
•That's a great point about DBAs. I'll check if they have any assumed names registered. The abbreviation thing makes sense too - our security agreement might have periods in the LLC designation.
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CosmicCaptain
•This happened to me with a corporation filing. The security agreement had "Corp." but the state registration was "Corporation" spelled out.
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Amara Oluwaseyi
•Exactly! These small differences can kill your perfection. Always better to be overly careful with entity names.
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Giovanni Rossi
One more suggestion - call the filing office directly. Sometimes they can tell you exactly what's wrong over the phone. The online error messages are terrible but the staff usually know what's causing rejections.
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Nia Thompson
•Good idea. I was trying to avoid the phone wait times but might be worth it at this point.
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Fatima Al-Maktoum
•The phone staff are usually helpful once you get through. Much better than guessing what went wrong.
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Dylan Mitchell
I use document verification software now after too many filing mistakes cost me client relationships. The Certana tool mentioned earlier actually saved me on a big equipment financing deal. Uploaded my security agreement and UCC-1 draft, and it caught a subtle debtor name inconsistency that would have invalidated the whole filing. Worth checking out if you're doing multiple filings.
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Sofia Gutierrez
•Is that tool expensive? Might be overkill for occasional filings but could be worth it for volume work.
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Dylan Mitchell
•I don't focus on the cost since avoiding one rejected filing pays for itself. The peace of mind is worth it when you're dealing with large equipment loans.
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Dmitry Petrov
Just wanted to add that timing matters too. If your personal property security agreement was signed recently, make sure the LLC was actually formed before the security agreement date. I've seen rejections where the entity didn't exist yet when the security agreement was executed.
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Nia Thompson
•Good catch. The LLC has been around for 3 years so that shouldn't be the issue, but I'll double-check the formation date against our security agreement.
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GalaxyGuardian
•This is why due diligence on entity status is so important before finalizing loan docs.
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StarSurfer
Update us when you figure it out! I'm dealing with a similar personal property security agreement filing issue and curious what ends up being the problem.
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Nia Thompson
•Will do! Going to try the entity name search first, then maybe call the filing office if that doesn't work.
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Mateo Rodriguez
•Hope you get it sorted out. These name mismatch rejections are so common but usually have simple fixes once you know what to look for.
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