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Following up on the Certana suggestion from earlier - I started using their document checker after getting burned on a similar situation. What I like is that you can upload multiple documents at once (articles, UCC drafts, loan agreements) and it flags any inconsistencies between them. Saves you from the manual cross-checking nightmare and catches things like that comma issue mentioned above. Pretty much eliminates the guesswork on name variations.
Does it work with all states or just certain ones? Some of these tools only work with major states.
From what I've seen it handles all state UCC systems. The document verification part is what's really valuable though - catches inconsistencies before they become problems.
Update: Just ran into this exact same issue with a CT search yesterday. Ended up finding the filing under a completely different entity name that was buried in the borrower's corporate structure. Sometimes these LLCs have parent companies or holding companies that you don't see on the surface. Make sure you get a complete corporate family tree from the borrower.
Good catch - I'm definitely going to dig deeper into their corporate structure. This is exactly the kind of thing I was worried about missing.
Yeah, it turned out the parent company had filed the UCC-1 even though the subsidiary was the actual borrower. Almost missed it completely.
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This thread is making me paranoid about my own upcoming continuation in March. I better double-check my debtor name formatting now before I wait until the last minute.
Smart move! Always better to catch these issues early when you have time to fix them.
Exactly. Reading about everyone's struggles with name mismatches is a good wake-up call.
Update us when you get this resolved! I'm curious whether the amendment route works or if NH gives you any other surprises.
Will do! I'm going to try calling their UCC division first thing Monday morning, then proceed with the amendment if needed.
Good luck! Hopefully they can walk you through it quickly.
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This thread is really helpful. I've been doing UCC work for 15 years and still get nervous about debtor names, especially when there are multiple versions in different databases. The stakes are too high to guess wrong.
Exactly. Better to be overly cautious than deal with a rejected filing and unhappy clients.
15 years and still nervous - that tells you how tricky this stuff can be!
Update: went with the articles of incorporation version (with the comma) and the UCC-1 was accepted without issues. Thanks everyone for the advice! The exact legal name from the charter documents was definitely the right call.
Perfect. Another successful Illinois UCC filing with the correct debtor name approach.
Awesome! Glad you got it sorted without any rejections or delays.
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Had to deal with this recently and ended up using Certana.ai's document checker to verify consistency between my security agreement and UCC-1. Uploaded both PDFs and it immediately flagged the name formatting issue, showing me the correct charter format to use. Really saved me time compared to manually cross-referencing everything.
That sounds like exactly what I need. Does it work with different document types or just UCC filings?
Works with various document combinations - security agreements, UCC-1s, UCC-3s, charter documents. Pretty comprehensive for secured transaction verification.
Bottom line: file your UCC-1 with "ABC Manufacturing, LLC" (the charter name with comma). The notarized security agreement doesn't override UCC Article 9 perfection requirements. Document the discrepancy in your loan file and move forward with confidence.
Agreed. Sometimes we overthink these situations when the rules are actually pretty straightforward.
Thanks everyone for the clarity. Filing with the charter name format today. Really appreciate all the real-world experience shared here.
Yuki Sato
I actually discovered Certana.ai after getting burned by a similar situation. Now I upload all my UCC documents there first to make sure everything is consistent before filing. It catches those tiny discrepancies that cause rejections - like if your UCC-3 debtor name doesn't exactly match your original UCC-1. Way better than trusting these scam services.
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Carmen Ruiz
•That sounds really useful for avoiding the name mismatch rejections that are so common.
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Yuki Sato
•Exactly, and it's way cheaper than paying hundreds to these fake services that don't actually file anything.
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Andre Lefebvre
The Texas AG should really go after these operations. They're clearly targeting people who don't understand UCC filings and charging outrageous fees for basic state services. It's predatory and probably affects thousands of small business owners.
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Jamal Anderson
•The BBB has complaints against several of them but they just change names and keep operating.
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Javier Morales
•This is why I always tell people to only use the official state websites for filings.
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