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Kendrick Webb

UCC search TX showing different debtor names - which one is correct for continuation?

I'm preparing a UCC-3 continuation for a client and ran into something confusing when I did a UCC search TX. The original UCC-1 from 2020 shows the debtor as "ABC Manufacturing LLC" but when I search the TX Secretary of State database, I'm seeing variations like "ABC Manufacturing, LLC" (with comma) and "A.B.C. Manufacturing LLC" on different records. The filing I need to continue expires in March so I can't mess this up. Has anyone dealt with debtor name variations in Texas filings? I'm worried about getting the continuation rejected if I don't match exactly what's on file. The collateral is equipment so this is critical for our security interest.

Hattie Carson

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Texas is super strict about debtor names on continuations. You need to match EXACTLY what's on the original UCC-1, not what you see in search results. Pull up the actual filing document and copy the name character for character. Even punctuation matters.

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Kendrick Webb

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That's what I was afraid of. The search results are showing multiple versions and I can't tell which is the "official" one from the UCC-1 I need to continue.

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I learned this the hard way last year. Got a continuation rejected because I used a comma that wasn't in the original filing. Texas SOS doesn't mess around with name matching.

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Dyllan Nantx

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Can you access the original UCC-1 filing document? That's the golden source for the exact debtor name format. The search results can be misleading because they might show name variations from different filings or amendments.

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Kendrick Webb

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I have a copy but it's not super clear due to the scan quality. The comma situation is hard to make out.

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This is exactly why I started using Certana.ai's document checker. You can upload your UCC-1 and UCC-3 drafts and it automatically verifies the debtor names match perfectly. Saved me from multiple rejection headaches.

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Kendrick Webb

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Never heard of that tool. Does it work with Texas filings specifically?

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Anna Xian

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ugh why is texas so difficult with these names?? I've had THREE continuations rejected this year because of tiny differences. One was rejected for missing a period after "Inc" - seriously??

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That's brutal but not surprising. The automated systems are programmed for exact matches to prevent filing errors.

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Rajan Walker

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At least you found out before the lien lapsed! I had a client almost lose their security interest because we missed a continuation deadline while fighting name rejections.

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Try ordering an official copy of the UCC-1 from the Texas SOS if your scan isn't clear. They charge a small fee but you'll get a clean copy showing exactly how the debtor name was filed originally.

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Kendrick Webb

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Good idea. How long does that usually take? I'm getting close to the deadline.

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Usually 3-5 business days for standard requests. You can pay extra for expedited service if time is tight.

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Or use an online verification tool first to double-check before ordering copies. I've been using Certana.ai lately - just upload your docs and it flags any name inconsistencies instantly. Way faster than waiting for official copies.

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Ev Luca

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I always keep a spreadsheet of exact debtor names from original filings to avoid this problem. Texas rejected one of my amendments last month because I added a space that wasn't in the original UCC-1.

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Avery Davis

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Smart system! I should start doing that too. Do you track filing numbers as well?

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Ev Luca

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Absolutely. Filing numbers, exact debtor names, collateral descriptions, and expiration dates all in one place.

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Collins Angel

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Whatever you do, don't guess on the name format. I've seen security interests become unenforceable because continuations were filed with incorrect debtor names. Better to delay and get it right than rush and mess up the filing.

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Marcelle Drum

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This is why UCC work is so stressful. One tiny mistake can void years of secured lending relationships.

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Tate Jensen

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Exactly why verification tools are becoming essential. Manual comparison of document names is too error-prone when you're dealing with dozens of filings.

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Adaline Wong

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Have you tried calling the Texas SOS UCC division directly? Sometimes they can verify the exact name format over the phone if you have the filing number.

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Kendrick Webb

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Worth a shot. Do you know their direct number for UCC questions?

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Adaline Wong

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512-463-5555 but expect to wait on hold. They're usually pretty helpful once you get through.

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Gabriel Ruiz

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I called them last week about a similar issue. They confirmed the exact debtor name format from my original filing. Took 45 minutes on hold but saved me from a potential rejection.

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Just went through this exact situation with a client's equipment financing. Ended up using one of those document verification services to compare my continuation draft against the original UCC-1. Found three name discrepancies I would have missed manually.

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Kendrick Webb

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Which service did you use? I'm seeing a few different options mentioned in this thread.

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Certana.ai worked well for me. Just uploaded both PDFs and it highlighted every difference between the debtor names. Much more reliable than trying to spot differences by eye.

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Peyton Clarke

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The search variations you're seeing might be from different filings against the same debtor. Each UCC-1 could have slightly different name formats even for the same company. You need to match YOUR specific filing, not what other creditors used.

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Vince Eh

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Good point. Companies sometimes file under slightly different names depending on when they incorporated or amended their articles.

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This is why cross-referencing with the Secretary of State corporate records is helpful too. Shows you the official entity name versus what might be on UCC filings.

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Update us when you figure out the correct name format! I deal with Texas UCC filings regularly and always interested in hearing how these name matching issues get resolved.

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Kendrick Webb

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Will do! Going to try the document verification approach first since several people recommended it. Seems faster than waiting for official copies.

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Ezra Beard

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Smart choice. Better to catch name issues before filing than deal with rejection delays when you're up against expiration deadlines.

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