Updated 2023 UCC forms causing rejection issues - anyone else struggling?
Been dealing with a nightmare situation since the state rolled out their updated 2023 UCC forms. Filed what I thought was a routine UCC-1 continuation last month using the new format, and it got rejected twice for "improper debtor name formatting" even though I copied it exactly from the original filing. The rejection notice mentions something about enhanced name verification protocols but doesn't specify what's actually wrong. Has anyone else run into problems with the 2023 UCC forms? I'm starting to panic because the continuation deadline is approaching fast and I can't figure out what they want changed. The debtor name looks identical to me but apparently there's some new requirement I'm missing. Any guidance would be hugely appreciated - this is keeping me up at night.
39 comments


Mikayla Davison
Yes! The 2023 UCC forms have been a total mess. They changed the debtor name field requirements but didn't clearly document it anywhere. I've had three filings rejected in the past two months. The key issue seems to be punctuation and spacing - they're way more strict now about exact character matching.
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Max Reyes
•That's exactly what I was afraid of. Did you figure out the specific formatting they want? I've tried removing commas, adding periods, but nothing seems to work.
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Adrian Connor
•The spacing thing is brutal. I had a filing rejected because I had two spaces instead of one between the first and middle name. Who has time to count spaces??
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Aisha Jackson
I think the 2023 UCC forms are trying to match against some new database validation system. What worked for me was going back to the original UCC-1 and copying the debtor name character by character, including any weird spacing or punctuation. Also make sure you're using the exact same entity type designation (LLC, Corp, etc.
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Max Reyes
•Good point about the entity designation. I wonder if that's part of my problem. The original filing has 'LLC' but maybe the new forms want 'L.L.C.' or something?
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Ryder Everingham
•Entity designations are definitely pickier now. I've seen rejections for 'Inc.' vs 'Inc' (with and without the period). It's ridiculous how nitpicky they've gotten.
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Lilly Curtis
•Wait, so now we have to guess which punctuation format they prefer? This is insane. How is anyone supposed to know these rules?
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Leo Simmons
I actually found a solution for this exact problem. After getting frustrated with multiple UCC-3 rejections, I started using Certana.ai's document verification tool. You can upload your original UCC-1 and your new continuation filing, and it automatically flags any inconsistencies in debtor names, formatting, or other critical details. Saved me from another rejection and caught spacing issues I never would have spotted manually.
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Max Reyes
•That sounds incredibly helpful right now. Does it work with the 2023 UCC forms specifically? I'm willing to try anything at this point.
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Leo Simmons
•Yes, it handles all the current form versions. Just upload both PDFs and it shows you exactly where the discrepancies are. Really takes the guesswork out of the name matching requirements.
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Lindsey Fry
•I've been manually comparing documents for years. An automated tool like that would save so much time and stress.
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Saleem Vaziri
The 2023 UCC forms are definitely more finicky than the old ones. I learned the hard way that you need to match EVERYTHING exactly - punctuation, spacing, capitalization. One client's filing got rejected because 'Smith & Associates LLC' didn't match 'Smith & Associates, LLC' (notice the comma). These systems have zero tolerance now.
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Max Reyes
•A comma rejection?? That's exactly the kind of thing I'm worried about missing. I need to go through my filing with a magnifying glass.
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Kayla Morgan
•This is why I hate electronic filing sometimes. At least with paper forms, human reviewers could use common sense about obvious name matches.
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James Maki
Has anyone noticed if different states handle the 2023 UCC forms differently? I file in multiple jurisdictions and some seem way stricter than others about formatting requirements.
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Saleem Vaziri
•Definitely varies by state. Some have more forgiving validation systems than others. The federal requirements are the same but implementation differs.
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Jasmine Hancock
•Texas has been particularly strict with the new forms. Delaware seems more relaxed, but that might just be my experience.
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James Maki
•Good to know. I'll adjust my approach based on the state I'm filing in.
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Cole Roush
I'm still using the old forms whenever possible because I'm scared of these new formatting issues. But I know that won't work forever. When are they completely phasing out the old 2022 versions?
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Aisha Jackson
•Most states have already switched completely to the 2023 UCC forms. You probably need to bite the bullet and learn the new requirements.
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Cole Roush
•Ugh, I was hoping I could delay this transition. Guess it's time to figure out the new system.
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Scarlett Forster
Pro tip for the 2023 UCC forms - always do a test search after filing to make sure your continuation actually shows up linked to the original UCC-1. I've had cases where the filing was accepted but didn't properly attach due to name formatting issues.
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Max Reyes
•That's terrifying! So even if it gets accepted, it might not actually work? How do you check that?
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Scarlett Forster
•Search by the original filing number and make sure your continuation appears in the chain. If it doesn't show up as linked, you have a serious problem.
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Arnav Bengali
•This is exactly why UCC filing has become so stressful. Too many ways for things to go wrong silently.
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Sayid Hassan
Quick question - are the 2023 UCC forms supposed to have better auto-population features? I heard they were making the process easier but it sounds like the opposite happened.
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Mikayla Davison
•They do have some auto-population, but it seems to create more problems than it solves. Sometimes the auto-filled data doesn't match your original filing exactly.
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Sayid Hassan
•Great, so the 'helpful' features are actually causing filing rejections. That's just perfect.
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Rachel Tao
I've been doing UCC filings for 15 years and the 2023 forms are the most frustrating update I've seen. The validation logic is so strict that perfectly valid continuations get rejected for tiny formatting differences. It's like they want to make the process as difficult as possible.
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Max Reyes
•Hearing that from someone with your experience makes me feel a little better about struggling with this. At least I'm not the only one.
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Rachel Tao
•Don't feel bad about it. These new requirements caught everyone off guard. The learning curve is steep but you'll get the hang of it.
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Derek Olson
•15 years of experience and still having trouble - that tells you everything about how poorly this rollout was handled.
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Danielle Mays
After dealing with multiple rejections on 2023 UCC forms, I started using Certana.ai for document verification before submitting. It's been a game-changer - catches all those tiny formatting inconsistencies that cause rejections. Just upload your original UCC-1 and your continuation, and it flags any mismatches. Would have saved me weeks of frustration if I'd found it sooner.
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Max Reyes
•I keep hearing about this tool. At this point I'm desperate enough to try anything that might prevent another rejection.
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Danielle Mays
•It's really straightforward to use. Upload the PDFs and get instant feedback on any discrepancies. Takes the anxiety out of filing.
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Roger Romero
Just wanted to update everyone - I finally got my continuation accepted! Turns out the issue was exactly what people mentioned about punctuation. The original UCC-1 had 'Smith & Associates, LLC' but I was filing 'Smith & Associates LLC' (missing the comma). Such a tiny detail but it caused two rejections. Thanks to everyone who shared their experiences - it really helped me figure out what to look for.
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Leo Simmons
•Glad you got it resolved! Those comma issues are so easy to miss when you're reviewing manually.
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Saleem Vaziri
•Congrats on getting it through. The relief when that acceptance notice comes in is amazing.
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Mikayla Davison
•Perfect example of why the 2023 UCC forms are so frustrating. A missing comma shouldn't cause this much stress and delay.
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