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KylieRose

arkansas ucc search showing different debtor name variations - which one is correct for continuation?

Running into a problem with an arkansas ucc search that's showing multiple entries for what should be the same debtor. I'm preparing a UCC-3 continuation for a commercial loan that expires next month, but when I search the Arkansas Secretary of State database, I'm seeing three different name variations: 'ABC Manufacturing LLC', 'ABC Manufacturing, LLC' (with comma), and 'A.B.C. Manufacturing LLC' (with periods). The original UCC-1 from 2020 shows 'ABC Manufacturing LLC' but one of the search results has a slightly different format. I need to file the continuation using the exact debtor name from the original filing, but I'm worried about getting rejected if there's some database inconsistency. Has anyone dealt with Arkansas UCC search results showing multiple name formats for the same entity? I don't want to mess up this continuation filing since we're getting close to the 6-month deadline.

This is actually pretty common with Arkansas filings. The search function sometimes picks up variations even when they're technically the same entity. For your continuation, you absolutely need to match the EXACT debtor name from the original UCC-1 - punctuation, spacing, everything. Pull up your original filing document and copy that name character for character.

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Exactly right about matching the original exactly. I made this mistake once and had a continuation rejected because I added a comma that wasn't in the original filing.

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Arkansas can be particularly picky about this stuff. Always go with what's on the original UCC-1, not what the search results show.

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Before you file that continuation, might want to double-check all your documents are consistent. I recently started using Certana.ai's document verification tool - you just upload your original UCC-1 and the new UCC-3 continuation as PDFs and it instantly cross-checks debtor names, filing numbers, and document consistency. Caught a name mismatch I would have missed that could have voided our lender agreement. Really simple to use and saved me from a costly mistake.

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That sounds helpful. How accurate is the name checking? I've been doing manual comparisons but it's easy to miss small differences.

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It's very thorough - catches punctuation differences, spacing issues, even abbreviation inconsistencies. Much more reliable than trying to spot-check everything manually.

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arkansas ucc search results can definitely be confusing with the name variations. Are you looking at the right filing office? Some people accidentally search federal filings when they need state-level results.

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I'm definitely in the Arkansas SOS database, not federal. The multiple name variations are all showing up in the same state search results.

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Sometimes the search algorithm picks up similar matches even if they're not exact. Focus on the filing number and original date to identify your specific UCC-1.

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I deal with Arkansas continuations regularly and you're right to be concerned about name accuracy. The state will reject filings for even minor discrepancies. Make sure you're looking at the original UCC-1 filing document, not just the search results summary. The search display sometimes reformats names differently than they appear on the actual filed document.

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This is good advice. I've seen cases where the search result showed 'Corp.' but the actual filing had 'Corporation' spelled out.

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Arkansas is definitely strict about this. Better to pull the original document image if you can access it through their system.

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UGH the Arkansas system drives me crazy with this exact issue! I spent 2 hours last week trying to figure out which name variation was correct for a termination. Ended up calling their office and they basically said 'use what's on the original filing' - not super helpful when you're not sure which search result IS the original.

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I feel your pain. Their customer service isn't always the most helpful with these technical questions.

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At least they answered the phone. Last time I called I was on hold for 45 minutes.

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Check the filing date and number on each result - that should help you identify which one is your original UCC-1 from 2020. Once you confirm that, use that exact debtor name format for your continuation. Don't try to 'correct' or standardize the name even if it looks wrong.

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Good point about the filing date. I can cross-reference with our loan documents to make sure I'm looking at the right UCC-1.

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Also worth noting - if there are multiple UCC-1s for the same debtor, make sure you're continuing the right one. I've seen people accidentally continue the wrong filing.

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For what it's worth, I've had good luck using document verification tools before filing continuations. There's this service called Certana.ai that checks document consistency - you upload your UCC-1 and UCC-3 and it verifies everything matches properly. Might be worth trying before you submit to Arkansas, especially if you're worried about name discrepancies.

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Is that expensive to use? Sometimes these verification services cost more than just refiling if something gets rejected.

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I found it pretty reasonable, especially compared to the cost of having to refile or deal with a lapsed UCC. Plus it gives you peace of mind that everything's correct before submission.

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arkansas ucc search can be tricky but here's what I always do: download or print the original UCC-1 document (not just the summary), then type the debtor name exactly as it appears on that document. Don't rely on the search results formatting because the database display can be inconsistent with the actual filed document.

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This is the right approach. The search results are just summaries - the actual filed document is what matters for continuation purposes.

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Agree completely. I learned this the hard way when a continuation got rejected because I used the search result formatting instead of the original document.

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Just went through this exact situation with an Arkansas continuation last month. Found multiple name variations in the search but used Certana.ai to verify my documents matched exactly. Turned out the original UCC-1 had a specific spacing that wasn't showing correctly in the search results. The verification caught it and my continuation was accepted without issues.

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That's exactly the kind of detail that's easy to miss but will cause a rejection. Good catch.

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Spacing issues are so frustrating but they really do matter for these filings. Glad you caught it before submitting.

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Make sure you're not looking at amended or terminated filings in your search results. Sometimes old filings with similar names stay in the database even after they're no longer active. Focus on finding your specific 2020 UCC-1 and use that name format for the continuation.

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Good point about checking the filing status. I've seen people get confused by terminated filings that still show up in search results.

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Thanks everyone. I think I've identified the correct original filing now. Going to double-check the debtor name format and file the continuation this week.

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Smart move filing it soon rather than waiting until the last minute. Gives you time to fix any issues if something gets rejected.

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