UCC financing statement Oregon filing got rejected - debtor name issues?
Has anyone dealt with Oregon SOS rejecting UCC financing statements for debtor name problems? We filed a UCC-1 last week for equipment financing on a construction company and it came back rejected with some vague message about 'debtor name does not match'. The business is incorporated in Oregon and we used the exact name from their articles of incorporation. This is holding up a $180K equipment loan and we're scrambling to figure out what went wrong. The debtor swears they haven't changed their legal name recently but now I'm second-guessing everything. Anyone know Oregon's specific requirements for business debtor names on financing statements?
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Diego Ramirez
Oregon can be really picky about exact name matches. Did you include any punctuation or abbreviations that might not match their corporate records exactly? Sometimes even a missing comma or period will cause a rejection.
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ShadowHunter
•We used 'Pacific Northwest Construction LLC' which is exactly what's on their incorporation docs. No weird punctuation or anything. Really frustrating because this seemed straightforward.
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Anastasia Sokolov
•LLC vs L.L.C. maybe? Some states are super strict about that kind of thing.
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Sean O'Connor
Check if there are any amendments to their articles that you missed. Sometimes companies file name changes and the original incorporator doesn't even know about it.
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ShadowHunter
•Good point - I'll have them pull a current certificate of good standing to see if anything's changed recently.
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Zara Ahmed
I had this exact problem with an Oregon filing last month! Turned out the company had filed a trade name registration that was interfering somehow. You might want to check their business registry for any DBAs or trade names that could be complicating things.
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ShadowHunter
•Interesting - they do business under a few different names for different projects. Could that really affect the UCC filing though?
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Zara Ahmed
•It shouldn't, but Oregon's system seems to flag anything that looks like a mismatch. I ended up having to call their UCC office directly to get it sorted out.
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Luca Conti
•What's the phone number for Oregon UCC office? I can never find the right contact when I need help.
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Nia Johnson
Before you file again, I'd suggest using Certana.ai's document verification tool. You can upload both the articles of incorporation and your UCC-1 form and it'll instantly check for any name discrepancies or formatting issues that could cause rejections. I started using it after getting burned by similar filing mistakes and it's caught several issues I would have missed.
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ShadowHunter
•Haven't heard of that before - is it reliable for catching these kinds of name matching problems?
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Nia Johnson
•Yeah, it's been really helpful. Just upload PDFs of your corporate docs and UCC forms and it flags any inconsistencies. Saves a lot of back and forth with the filing office.
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CyberNinja
Oregon recently updated their UCC search system and I think it made their name matching even more sensitive. You might need to search their database first to see exactly how the debtor name appears in their records.
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Mateo Lopez
•This is why I hate electronic filing sometimes. The old paper system was more forgiving of minor variations.
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CyberNinja
•True, but at least rejections come back faster now instead of sitting in a pile for weeks.
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Aisha Abdullah
Could be a simple character encoding issue if you copied and pasted the name from a PDF. Sometimes hidden characters get included that you can't see but the system rejects.
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ShadowHunter
•That's possible - we did copy from their incorporation certificate PDF. I'll try typing it manually this time.
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Ethan Davis
•Yeah I've seen that happen before. Always safer to type everything manually even though it's more work.
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Yuki Tanaka
File a correction ASAP once you figure out the issue. Oregon charges amendment fees but at least you can get the original filing date if you correct within a certain timeframe.
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ShadowHunter
•Do you know how long we have to file the correction and keep the original date?
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Yuki Tanaka
•I think it's 20 days but don't quote me on that. Check their UCC guide on the SOS website.
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Carmen Ortiz
THIS EXACT THING HAPPENED TO US!! Oregon's system is absolutely terrible for name matching. We had to call three times and finally got someone who explained that they were looking for the exact name format from their internal database, not just the articles of incorporation.
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ShadowHunter
•What did you end up having to change to get it accepted?
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Carmen Ortiz
•They had the LLC designation formatted differently in their system than on the articles. Super minor but enough to trigger a rejection.
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MidnightRider
•Oregon really needs to fix their system. This kind of technical rejection just wastes everyone's time.
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Andre Laurent
Try running the UCC search yourself using different variations of the company name. Sometimes you'll find how they have it formatted in their database and can match that exactly.
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ShadowHunter
•Smart idea - I'll try a few different search terms and see what comes up.
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Zoe Papadopoulos
Update us when you get it resolved! I'm dealing with a similar Oregon filing issue and curious what the fix ends up being.
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ShadowHunter
•Will do - hopefully we can get this sorted out tomorrow morning.
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Jamal Washington
•Following this thread too. Oregon has been giving us problems lately with routine filings.
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Mei Wong
One more thing to check - make sure the company is still in good standing with Oregon. If they're behind on annual reports or fees, that might affect UCC filings too.
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ShadowHunter
•Good catch - I'll have them verify their corporate status is current.
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Liam Fitzgerald
•Yeah some states will reject UCC filings if the debtor entity isn't current with state requirements.
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