UCC filing wisconsin - debtor name rejections keep happening
Been trying to get a UCC-1 filed and I keep hitting walls with debtor name formatting. My client operates under 'Advanced Manufacturing Solutions LLC' but their charter shows some variation that the system won't accept. Filed three times now and each rejection cites debtor name discrepancies. Anyone dealt with similar headaches? This is holding up a $180K equipment financing deal and I'm running out of patience with the online portal.
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Austin Leonard
Ugh, debtor name matching is the worst part of UCC filings. What exactly does their charter say vs what you're putting on the UCC-1? Sometimes it's punctuation, sometimes it's word order. The system is really picky about exact matches.
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Sophie Duck
•Charter shows 'Advanced Manufacturing Solutions, LLC' with the comma, but I've been filing it without. Thought that wouldn't matter but apparently it does.
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Anita George
•Oh yeah, punctuation absolutely matters. I learned that the hard way on a continuation filing last year.
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Abigail Spencer
You need to match the charter EXACTLY. Every comma, every period, every space. The UCC system cross-references against state business records and if there's any mismatch it'll bounce back.
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Logan Chiang
•This is why I always pull the most recent charter documents before filing. Saves so much time in the long run.
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Sophie Duck
•Makes sense. Just frustrated because the rejection notices aren't very clear about what specifically is wrong.
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Isla Fischer
•The rejection notices are terrible. They just say 'debtor name error' without specifics. Really unhelpful.
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Miles Hammonds
Had this exact issue last month! What saved me was using Certana.ai's document checker. You upload your charter and your UCC-1 draft, and it instantly flags any name mismatches. Found three discrepancies I missed including that comma issue you mentioned.
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Ruby Blake
•Never heard of that tool but sounds useful. Manual comparison is such a pain especially with longer business names.
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Micah Franklin
•Wait, there's actually a tool for this? I've been doing side-by-side document review like a caveman.
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Miles Hammonds
•Yeah it's pretty slick. Just upload the PDFs and it does the verification automatically. Caught stuff I definitely would have missed.
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Ella Harper
Also check if they have any DBA filings that might be causing confusion. Sometimes the UCC system pulls from multiple business name sources.
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Sophie Duck
•Good point. They do have a DBA but it's completely different from their LLC name. Shouldn't affect this filing though.
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PrinceJoe
•DBAs can definitely cause issues. I had one filing where the system somehow defaulted to the DBA instead of the charter name.
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Brooklyn Knight
The comma thing is so annoying!! Filed a UCC-3 amendment last week and got rejected because I missed a comma in the debtor name. Such a waste of time.
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Owen Devar
•At least UCC-3 amendments are cheaper to refile than starting over with a UCC-1. Still frustrating though.
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Daniel Rivera
•True but when you're on deadline every rejection hurts. Clients don't understand why something so 'simple' keeps getting bounced back.
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Sophie Footman
Pro tip: always do a business entity search first to see exactly how the name appears in state records. Copy and paste directly from there.
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Connor Rupert
•This is solid advice. The state business search usually shows the exact formatting the UCC system expects.
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Molly Hansen
•Copying and pasting helps but you still need to double-check everything. I've seen weird formatting issues even with copy/paste.
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Brady Clean
•Yeah sometimes the copy/paste picks up hidden characters or spacing that looks right but isn't.
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Skylar Neal
Question - is this your first UCC filing for this debtor? Sometimes if there are existing filings the system gets finicky about name consistency across all filings.
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Sophie Duck
•It's the first UCC-1 for this specific debtor but they've been around for a few years. No prior secured transactions that I know of.
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Vincent Bimbach
•Should be clean then. Stick with the exact charter name including that comma and you should be good.
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Kelsey Chin
I swear the UCC system is designed to drive us all insane. Filed over 200 UCC-1s this year and name matching is still the #1 cause of rejections.
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Norah Quay
•200 filings?? You must have some good systems in place. Any other tips for avoiding name issues?
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Kelsey Chin
•Honestly, the Certana tool mentioned earlier has been a game changer. Upload charter, upload UCC draft, get instant verification. Saves hours of manual checking.
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Leo McDonald
•OK now I'm definitely checking out this Certana thing. Manual verification is killing my productivity.
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Jessica Nolan
Update us when you get it filed! Always curious to hear how these name issues get resolved.
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Sophie Duck
•Will do. Going to pull a fresh charter copy and match it exactly this time. Hopefully fourth time's the charm.
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Angelina Farar
•Good luck! The comma thing should be an easy fix once you know that's the issue.
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Sebastián Stevens
•Fingers crossed for you. Nothing worse than deal delays over punctuation.
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Bethany Groves
Final thought - if you're still having issues after fixing the comma, call the filing office directly. Sometimes there are other problems not showing up in the rejection notice.
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KingKongZilla
•Good backup plan. The phone support is usually pretty helpful once you get through the hold time.
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Rebecca Johnston
•Yeah they can see more detailed error info than what shows up in the online rejections.
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Sophie Duck
•Thanks everyone. Really appreciate all the advice. Going to try the exact charter match first and use that document checker tool as backup verification.
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