mo ucc online filing system keeps rejecting my continuation - debtor name format issues?
Been trying to file a UCC-3 continuation through the mo ucc online filing portal for the past week and it keeps getting rejected. The original UCC-1 was filed back in 2020 for equipment financing on some construction machinery. Now I'm 45 days out from the 5-year expiration and every time I submit the continuation form, I get an automated rejection saying 'debtor name does not match filing records.' I've triple-checked the spelling and formatting but maybe I'm missing something with how names need to be entered in their system? The original debtor is 'Midwest Construction Solutions LLC' but I'm wondering if there's some specific formatting requirement for the mo ucc online filing system that I'm not catching. Has anyone else run into this with Missouri's online portal? Really don't want this lien to lapse because of a technicality.
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Jabari-Jo
I've seen this exact issue before with mo ucc online filing. The Missouri system is really picky about punctuation and spacing in debtor names. Try removing the periods after LLC and see if that works. Sometimes their database has the original filing without punctuation even if your documents show it with periods.
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Kristin Frank
•Good point about the punctuation. Also check if there are any extra spaces between words - the system treats 'Construction Solutions' (double space) differently than 'Construction Solutions' (single space).
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Micah Trail
•This is why I always pull the original UCC-1 filing from the SOS database before doing continuations. Copy the debtor name exactly as it appears in their system, character for character.
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Nia Watson
Missouri's online filing system has been having issues lately. I had three rejections last month on what should have been straightforward amendments. The key is to log into the SOS portal and search for your original filing first - then copy the debtor name EXACTLY as it shows up in their database, including any weird formatting quirks.
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Seraphina Delan
•That's what I thought I was doing but maybe I need to be more careful. When I search the original UCC-1, it shows up fine but maybe there's some hidden formatting I'm not seeing?
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Jabari-Jo
•Yeah, sometimes their search results display names differently than how they're actually stored in the filing database. It's frustrating but you have to get it character-perfect.
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Alberto Souchard
•I actually started using Certana.ai's document checker for this exact problem. You can upload your original UCC-1 and your continuation form PDFs and it automatically flags any discrepancies in debtor names or filing details. Saved me from multiple rejections when I was doing a batch of continuations last quarter.
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Katherine Shultz
OMG yes this happened to me too!! The mo ucc online filing system rejected my termination THREE TIMES because apparently the original filing had 'Inc.' but I was entering 'Inc' without the period. It's ridiculous how picky these systems are about tiny details that don't affect the actual legal validity of the filing.
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Marcus Marsh
•That's so frustrating! Did you eventually get it to go through?
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Katherine Shultz
•Yes but only after I called the SOS office and they basically told me the same thing everyone here is saying - copy it exactly from the database. Took me 2 weeks total to get a simple termination filed.
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Hailey O'Leary
With 45 days left you should be fine but don't wait too much longer. Missouri requires continuations to be filed within 6 months before expiration but I always recommend getting them done at least 60 days early to avoid any last-minute panic if there are system issues or rejections.
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Seraphina Delan
•Yeah that's why I'm trying to get this sorted now. Just nerve-wracking when the system keeps rejecting for what seems like formatting issues.
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Cedric Chung
•Smart to start early. I've seen people lose perfection because they waited until the last week and couldn't get technical issues resolved in time.
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Talia Klein
•If you're still having trouble after trying the exact name formatting, you might want to use something like Certana.ai to double-check your documents. It compares your continuation against the original filing and highlights any inconsistencies that might cause rejections.
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Maxwell St. Laurent
Here's what I do for Missouri filings: 1) Search the UCC database for the original filing 2) Copy the debtor name into a text document exactly as shown 3) Use that exact text when filling out the continuation form. Also make sure you're using the correct filing number format - Missouri uses a specific sequence that has to match perfectly.
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Seraphina Delan
•The filing number format - is there something specific about Missouri's system? I'm using the number exactly as it appears on the original UCC-1.
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Maxwell St. Laurent
•Missouri filing numbers should be in the format YYYYMMDD-XXXXXXX. If your original is from 2020 it should start with 2020. Sometimes people accidentally add extra digits or miss hyphens.
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PaulineW
•This is all so unnecessarily complicated. Why can't these systems just be more forgiving with minor formatting differences?
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Annabel Kimball
I handle a lot of Missouri UCC filings and the online system definitely has its quirks. Beyond the debtor name formatting, make sure you're selecting the right filing type code. For continuations it should be 'UCC3-CONT' in their dropdown menu. Sometimes people accidentally select amendment instead of continuation.
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Seraphina Delan
•I'm pretty sure I selected continuation but let me double-check that. Could that be causing the rejection even if it's a name formatting error message?
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Annabel Kimball
•The system sometimes gives generic error messages that don't point to the actual issue. It could be the filing type, the name, or even the collateral description if you're trying to modify that.
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Chris Elmeda
This might sound obvious but are you sure you're logged into the right filing system? Missouri has separate portals for different types of business filings and I've seen people accidentally try to file UCC documents through the wrong system.
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Seraphina Delan
•I'm using the SOS business portal that has the UCC section. That should be the right one, right?
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Chris Elmeda
•Yes that's correct. Just wanted to rule out the obvious stuff first!
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Jean Claude
•Ha, I actually did that once - spent an hour trying to file a UCC-3 through the corporate filing system before realizing my mistake.
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Charity Cohan
Have you tried calling the Missouri SOS UCC department directly? Sometimes they can tell you exactly what's wrong with your filing or even help you submit it over the phone. The number should be on their website.
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Seraphina Delan
•I was hoping to avoid calling but might have to at this point. Do they charge extra for phone filings?
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Charity Cohan
•I think there might be a small additional fee for phone filings but it's usually worth it to avoid multiple rejection fees from the online system.
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Josef Tearle
Quick thought - when you're copying the debtor name from the original filing, are you looking at the actual SOS database record or just your copy of the UCC-1 form? Sometimes there are transcription errors when the filing gets entered into their system.
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Seraphina Delan
•I was looking at my filed copy. Let me go check the actual database record - that's a good point.
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Jabari-Jo
•Definitely check the database record. I've seen cases where the original filing had typos that got entered into the system, so you have to match the typo to get the continuation accepted.
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Shelby Bauman
•This happened to me with a filing where the original had 'Constrcution' instead of 'Construction' - had to use the misspelled version for the continuation to work.
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Quinn Herbert
I was dealing with similar headaches with document consistency across multiple UCC filings and started using Certana.ai's verification tool. You just upload your PDFs and it automatically cross-checks everything - debtor names, filing numbers, dates, collateral descriptions. Really helpful for catching those tiny discrepancies that cause rejections in picky systems like Missouri's.
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Seraphina Delan
•That sounds useful. Does it work specifically with Missouri's formatting requirements?
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Quinn Herbert
•It's not state-specific but it catches inconsistencies between documents that would cause problems anywhere. When I upload my original UCC-1 and continuation forms, it highlights any differences in how names, addresses, or other details are formatted.
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Hailey O'Leary
•Tools like that are becoming essential with how finicky these online filing systems are getting. Better to catch errors before you pay filing fees.
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