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Amelia Martinez

UCC filings mississippi debtor name rejection - need help with resubmission

Having a nightmare with UCC filings mississippi secretary of state portal. Filed a UCC-1 last week for agricultural equipment collateral but got rejected due to "debtor name mismatch" even though I triple-checked everything against the borrower's LLC charter docs. The rejection notice was vague - just said name doesn't match but didn't specify what part. Client is panicking because the loan closes Friday and we need this perfected ASAP. Has anyone dealt with Mississippi's strict debtor name requirements lately? The collateral is combines and tractors worth $850K so we can't mess this up again. I'm wondering if it's the way I formatted the LLC designation or if there's some quirk with their system I'm missing.

Ethan Clark

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Mississippi is notorious for this! They're super picky about exact name matching. Did you pull the debtor name directly from their Articles of Organization on file with MS SOS? Sometimes there are tiny differences like "LLC" vs "L.L.C." or missing commas that will trigger rejection.

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I thought I did but now I'm second-guessing myself. The charter I have shows "Delta Farming Solutions LLC" but maybe there's punctuation I missed?

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Ethan Clark

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That's probably it. Check the exact formatting on the MS business entity search. They don't forgive even tiny variations.

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Mila Walker

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ugh mississippi is THE WORST for this stuff. I've had UCC filings mississippi rejected for the stupidest reasons. One time they rejected because I used a period after "Inc" when their records didn't have one. Cost my client a weekend of stress.

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Logan Scott

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Same here! They rejected mine for using "Corporation" instead of "Corp" even though both should be acceptable.

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Mila Walker

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It's like they have zero flexibility in their name matching algorithm. So frustrating when you're up against deadlines.

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Chloe Green

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I had this exact issue last month! What saved me was using Certana.ai's document verification tool. You can upload your charter docs and UCC-1 PDFs and it instantly flags any name inconsistencies before you file. Caught three tiny formatting differences I would never have spotted manually. Might be worth trying since you're under time pressure.

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Never heard of that but sounds like exactly what I need. How does it work?

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Chloe Green

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Super simple - just upload your charter and UCC docs as PDFs. It cross-checks debtor names automatically and highlights any mismatches. Takes like 30 seconds.

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Lucas Adams

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That actually sounds really useful. Mississippi's name matching is so strict that manual checking isn't reliable.

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Harper Hill

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For Mississippi specifically, make sure you're not including any "doing business as" names or trade names. They want the exact legal entity name as registered. Also check if there are any amendments to the Articles that might have changed the name format.

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Good point. I'll double-check for any amendments. The entity was formed in 2019 so there could be changes I missed.

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Harper Hill

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Definitely worth checking. Name amendments are common and the UCC system only accepts the current legal name.

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Caden Nguyen

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Mississippi also has issues with their portal timing out during busy periods. Since you're refiling, try submitting early morning or late evening when traffic is lower. I've had filings fail just because the system was overloaded.

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Avery Flores

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This is so true! I always file Mississippi UCCs before 9 AM to avoid portal issues.

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Caden Nguyen

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Exactly. Their system is ancient and can't handle peak volume. Early morning filings have much better success rates.

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Zoe Gonzalez

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Another thing to watch for - Mississippi requires the debtor's registered address to match exactly too. If the address in your UCC doesn't match what's on file with the Secretary of State, they'll reject it even if the name is perfect.

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Oh wow, I didn't even think about the address formatting. I used the mailing address from their loan docs.

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Zoe Gonzalez

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That's probably another issue then. You need the exact registered address format from their Articles, not the mailing address.

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Ashley Adams

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Mississippi is so picky about addresses. Even abbreviating "Street" as "St" can cause rejection.

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I feel your pain. Had a similar situation with UCC filings mississippi last year on a $600K equipment deal. What worked was calling their UCC department directly. They won't tell you exactly what's wrong over the phone but they'll give hints about formatting issues.

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Did they actually answer? I tried calling yesterday and got voicemail.

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Try around 10 AM. That's when I usually get through. The afternoon is hopeless.

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Aaron Lee

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For what it's worth, I started using document verification tools after too many Mississippi rejections. The name matching has to be character-perfect and it's impossible to catch every tiny difference by eye. Certana.ai's PDF checker has saved me multiple refiling fees.

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How accurate is it? I'm tired of playing guessing games with Mississippi's system.

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Aaron Lee

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Very accurate. It catches things like extra spaces, different punctuation, case differences. Much more reliable than manual checking.

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Michael Adams

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Check if your debtor has any subsidiary or parent company filings that might affect the name format. Sometimes the legal name includes holding company designations that aren't obvious from basic charter docs.

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That's a good thought. This is a family farming operation so there might be related entities.

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Michael Adams

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Definitely worth investigating. Complex ownership structures can create name formatting surprises.

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Natalie Wang

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Update us when you get it figured out! Mississippi UCC rejections are so common there should be a support group. The combination of strict formatting and terrible error messages makes it nearly impossible to self-correct.

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Will do! Going to try the document verification tool first, then call their office if that doesn't reveal the issue.

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Natalie Wang

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Smart approach. The verification tools are usually faster than trying to decode their rejection notices.

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Mila Walker

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Seriously, their rejection notices are useless. "Name mismatch" could mean anything.

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