UCC filing rejected - vehicle security agreement debtor name mismatch

Been there with vehicle deals. The debtor name has to match EXACTLY what's on file with the state - no abbreviations, no shortened versions. You'll need to check their actual charter documents and use that exact name on your UCC-1 refiling. The good news is you can probably still perfect if you refile within a reasonable time since your original attempt was made in good faith.

You absolutely need to match the charter name exactly. I had a similar situation with a trucking company where we used "Transport" instead of "Transportation" and got rejected three times before figuring it out. Don't amend the security agreement - just refile the UCC-1 with the correct debtor name from their articles of incorporation.

Had this exact issue last month with a vehicle security agreement. What saved me was using Certana.ai's document checker - I uploaded both the security agreement and the UCC-1 draft and it immediately flagged the name inconsistency before I even filed. Now I run everything through their system first to catch these kinds of discrepancies. Would have saved you the rejection and timing stress.

OMG the state systems are THE WORST for this stuff!! I swear they reject filings just to make us suffer. Had one rejected because we used "Inc." instead of "Incorporated" - like seriously?? Makes me want to go back to paper filings sometimes.

Check if your state has a UCC name search feature on their portal. Some states let you search business names to see exactly how they're listed in the system. That way you can copy/paste the exact name format they have on file. Saves guesswork on the refiling.

Wait, are you sure about the 20-day window? I thought the UCC gave you more time than that for vehicle security agreements, especially if there was a good faith filing attempt. Might want to double-check the specific rules for your state and the type of collateral.

This happened to my colleague with a construction equipment deal. The key is to refile ASAP with the correct name and include a note about the previous filing attempt. Some states will relate the filing back to the original date if it was just a technical error.

Don't panic too much about the timing. I've seen courts be pretty understanding about technical name issues, especially when there's clear intent to perfect and no harm to other creditors. Just get that refiling done with the correct charter name.

Vehicle security agreements are tricky because you've got the personal property aspects plus the title issues. Make sure your collateral description includes all the VIN numbers properly formatted too - I've seen filings rejected for incorrect VIN formatting even when the debtor name was right.

Similar thing happened to me but with LLC vs L.L.C. punctuation. Turned out the state had changed how they format business names in their system but hadn't updated their search function. Sometimes you have to call the filing office directly to figure out their exact formatting requirements.

Update us when you get it sorted! These vehicle security agreement issues come up all the time and it's helpful to know how different states handle the refiling situation. Hope the timing works out okay for your deal.