UCC filing rejected - secretary of state texas debtor name issues

They filed the amendment about 3 weeks ago and got confirmation it was accepted. But you're right, maybe the UCC database hasn't updated yet?

I've seen this exact issue before. Texas SOS UCC system sometimes lags behind their business entity database by several weeks.

Oh that's a good idea! I didn't think about using the alternative name field. Would I put the old name as the main debtor name or the new one?

Use the new legal name as primary since that's what's on your loan docs, then put the old name as alternative. That way you're covered regardless of which name their system recognizes.

This is solid advice. I always recommend covering all possible name variations when there's been recent changes.

Interesting, I've never heard of that. Does it actually compare against the state database or just check your documents against each other?

It cross-checks your documents against each other to make sure everything aligns - debtor names, entity types, addresses. Really helpful for catching those small inconsistencies that cause rejections.

I've used similar verification tools and they definitely help avoid the back-and-forth with SOS rejections.

I feel your pain. Every state has their quirks but Texas seems especially nitpicky about exact formatting.

At least it's not as bad as California... but yeah Texas can be frustrating with their name matching requirements.

Using SOSDIRECT online. The error just says 'debtor name verification failed' but doesn't specify what's wrong with it.

That's frustrating. Usually you can call their UCC division and they'll tell you exactly what the issue is. Worth a try if the alternative name approach doesn't work.

Good luck getting through on the phone though. I was on hold for 2 hours last time I tried calling Texas SOS.

That's really smart. I should have done that first instead of just using what was on the articles of amendment.

Yeah, I learned this the hard way after multiple rejections. Now I always verify the exact name format in their database before filing any UCC.

This is the best advice in this thread. The SOS database is the only source of truth for name formatting.

Will do! Going to try the alternative name approach first, then the database search if that doesn't work.

Same here, bookmarking this thread for the advice.

Ugh, that would be terrible timing for us. Really hoping the alternative name approach works so I don't have to wait that long.

Definitely try the other suggestions first. The sync delay is usually worst case scenario.

I've seen it take that long too. Texas has some serious database lag issues between their different systems.

Oh wow, good catch! The name does have an '&' in it. Should I try it with 'and' spelled out instead?

I'd check their business entity database first to see which format they use officially, then match that exactly.

Punctuation issues are surprisingly common with UCC filings. Special characters can definitely cause problems.

That sounds really useful. Definitely going to check that out for future filings to avoid this headache.

Anything that helps avoid UCC rejections is worth looking into. These filing delays can really mess up closing schedules.

Prevention is definitely better than having to fix rejections after the fact, especially with tight deadlines.