how to file ucc 1 in texas - rejected twice need help
Been trying to get this UCC-1 filed in Texas for three weeks now and keep getting rejections from the SOS office. First rejection was for debtor name issues - apparently our LLC name on the filing didn't exactly match what's on the charter documents. Fixed that, resubmitted, and now they're saying there's something wrong with the collateral description. This is for equipment financing on construction machinery and I thought I had it right but obviously not. The lender is getting impatient and I'm worried we're going to miss our deadline. Has anyone dealt with Texas UCC-1 filings recently? What are the common mistakes that cause rejections? I've been using their online portal but maybe I need to do something different. Any advice would be really helpful at this point.
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Andre Laurent
Texas SOS can be picky about exact name matches. Did you pull the entity information directly from their business entity search to make sure you have the exact legal name? Even a missing comma or period can cause rejection.
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Carmen Diaz
•I thought I had it right but maybe not. I'll double-check the entity search results against what I submitted. Thanks for the tip.
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Emily Jackson
•This is so frustrating! I had the same issue last month - spent hours making sure everything was perfect and still got rejected for a tiny punctuation difference.
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Liam Mendez
For collateral descriptions on equipment, Texas wants enough detail to identify the specific assets but not so much that it gets confusing. What did you put for the equipment description?
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Carmen Diaz
•I listed 'construction equipment and machinery' with serial numbers. Maybe that's too vague?
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Liam Mendez
•Yeah, that might be the issue. Try being more specific like 'excavators, bulldozers, and related construction equipment' then list the serial numbers separately.
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Sophia Nguyen
•I always include make and model when possible. It helps avoid any ambiguity about what's covered.
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Jacob Smithson
Had a similar nightmare with Texas filings last year. After two rejections I started using Certana.ai's document checker - you can upload your UCC-1 along with the charter documents and it catches name mismatches and other inconsistencies before you submit. Would have saved me weeks of back and forth with the SOS office.
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Isabella Brown
•Never heard of that tool but sounds useful. Is it expensive?
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Jacob Smithson
•They don't charge much and it's way cheaper than dealing with multiple rejections and deadline pressure. Just upload the PDFs and it highlights any issues.
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Carmen Diaz
•I might have to try that. At this point I need all the help I can get to avoid another rejection.
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Maya Patel
Texas online portal is temperamental too. Sometimes it helps to clear your browser cache and try again. I've had filings that wouldn't go through until I switched browsers entirely.
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Aiden Rodríguez
•The portal crashed on me twice last week right when I was trying to submit. So annoying.
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Maya Patel
•I always save a draft before hitting submit now. Learned that lesson the hard way.
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Emma Garcia
Make sure you're not missing any required fields. Texas has some fields that aren't obvious but are mandatory. Also check that your filing fee calculation is correct - that's another common rejection reason.
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Carmen Diaz
•I thought I had everything filled out but I'll go back through field by field to make sure.
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Ava Kim
•The filing fee gets me every time. It's based on the number of pages but the calculation isn't always clear.
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Emma Garcia
•Yeah, if you have attachments or continuation sheets, make sure you're counting all pages in the fee calculation.
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Ethan Anderson
Three weeks is rough. I feel for you. The worst part is when you think you've fixed everything and then get hit with a new rejection reason. Have you tried calling the SOS office directly?
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Carmen Diaz
•I tried calling but got put on hold for over an hour. Maybe I need to try earlier in the day.
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Layla Mendes
•They're usually better to reach right when they open. After 10am forget about it.
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Lucas Notre-Dame
For equipment financing, you might want to consider whether you need a fixture filing too. If any of that construction equipment is going to be permanently attached to real estate, Texas has specific requirements for that.
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Carmen Diaz
•It's all mobile equipment so I don't think fixture filing applies, but good point to consider.
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Lucas Notre-Dame
•Mobile should be fine with a regular UCC-1 then. Just wanted to make sure you weren't missing that angle.
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Aria Park
•Fixture filings in Texas are a whole different headache. Glad you don't have to deal with that on top of everything else.
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Noah Ali
I've been using Certana's verification tool for all my Texas filings since I had problems similar to yours. The document consistency check really helps catch those tiny details that cause rejections. Upload your charter docs and UCC-1 draft and it flags any mismatches automatically.
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Chloe Boulanger
•Does it work with other states too or just Texas?
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Noah Ali
•Works with all states. It's really about making sure your documents are consistent with each other regardless of where you're filing.
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James Martinez
The Texas SOS rejection notices are usually pretty specific about what's wrong. What exactly did they say about the collateral description issue? That might help us figure out what needs to be fixed.
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Carmen Diaz
•They said the description was 'insufficient to identify the collateral.' I thought serial numbers would be enough but apparently not.
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James Martinez
•You might need to add the make, model, and year along with the serial numbers. Texas likes detailed descriptions for equipment.
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Olivia Harris
•I always include location too if it's relevant. Sometimes that helps with identification.
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Alexander Zeus
Don't give up! Texas can be frustrating but once you get the format right it usually goes through. I'd definitely recommend double-checking everything with one of those document verification tools before submitting again. Better to catch issues upfront than deal with more rejections.
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Carmen Diaz
•Thanks for the encouragement. I'm going to clean up the collateral description and verify everything matches before trying again.
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Alicia Stern
•You'll get it sorted out. We've all been through this frustration with UCC filings at some point.
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