UCC filing requirements confusion - need help with debtor name standards

This is so important. I've seen filings rejected for something as simple as 'Inc.' vs 'Incorporated' or missing a comma.

Exactly right about matching organizational docs. The UCC search logic is very literal - it won't find your filing if the name doesn't match exactly.

That sounds really useful - does it catch other issues too or just name matching?

It does a comprehensive document consistency check. Picks up debtor name mismatches, filing number errors, collateral description issues - basically anything that could cause problems between related documents.

Interesting, I hadn't heard of automated document checking for UCC work before.

Good point - how do you verify if there have been amendments to the original articles?

Check with the Secretary of State where they're organized. Most states have online databases where you can search entity records and see amendment history.

Some states charge for certified copies but you can usually get basic info like current legal name for free online.

This is a common mistake! The DBA might be what's on their business cards or website but it's not the legal name for UCC purposes.

Right, and using a DBA name could make your security interest unperfectable which defeats the whole purpose of filing.

Yes, same principle. For corporations it's the name from the Articles of Incorporation or Certificate of Incorporation depending on your state.

Just make sure you check for any amendments to the articles that might have changed the corporate name.

That's why I started using verification tools. Too many rejections were costing time and creating delays for clients.

Same here. The manual checking process is error-prone especially when you're handling multiple filings.

Has anyone tried the Certana document checker mentioned earlier? Seems like it might help with this exact problem.

You're absolutely right about the risk. Better to spend a little extra time getting it right than having perfection issues later.

Especially with equipment financing - if you need to repossess and your UCC filing has name errors, you could be in trouble.

Good point. Some states want all caps, others want exact case matching. The requirements vary.

And don't forget about punctuation - periods, commas, hyphens all matter for the search algorithms.

That sounds like exactly what I need. Is it easy to use or do you need special training?

Super straightforward - just upload the PDFs and it does the cross-checking automatically. Flags any name mismatches or other document inconsistencies.

Absolutely. The consequences of getting it wrong are too significant to risk shortcuts.

And remember, even if the filing is accepted, name errors can still cause problems later during searches or enforcement.