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Just saw your update - congrats on figuring it out! The "& Associates" thing is so sneaky. Glad you got it sorted before your closing deadline.
Thanks! What a relief. Never making this mistake again.
Rajan Walker
•This thread should be required reading for anyone doing UCC filings honestly.
Filing update: SUCCESS! UCC-1 accepted with the corrected debtor name. Thanks everyone for the help, especially whoever mentioned that document checking tool. Saved my sanity and probably my job lol.
Ev Luca
•Great outcome! This whole thread is a perfect example of why name accuracy is so critical.
Avery Davis
•Bookmarking this thread for future reference. So many good tips here.
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Omar Hassan
For what it's worth, I've never seen a continuation rejected due to minor punctuation differences in LLC names, especially when using the california sos ucc system. The bigger risk is completely wrong names or missing key words. A comma shouldn't be a deal-breaker.
Omar Hassan
•Probably, but it's better to be cautious with UCC filings. The consequences of getting it wrong can be severe.
Chloe Taylor
•Agreed. I'd rather spend extra time double-checking than deal with an unperfected security interest later.
ShadowHunter
Just went through this exact scenario last week! Ended up calling the California SOS UCC division directly and they confirmed that search display formatting can differ from the actual filed document. They recommended ordering a certified copy to see the exact filing details. Took about $15 and 3 hours to get the electronic copy.
Perfect, I'll do exactly that. Thanks for sharing your experience and the timeline/cost details.
ShadowHunter
•No problem! Once I had the certified copy, the continuation filing was straightforward. Used the exact name format from the original UCC-1 and it was accepted without any issues.
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Just went through something similar last week. Turned out the debtor had a period after "LLC" that I couldn't see clearly in the scanned documents. Johnson & Associates Construction LLC. vs Johnson & Associates Construction LLC - one tiny dot made all the difference.
Yeah it's ridiculous how picky these systems are about formatting. Every character has to be perfect.
Ava Thompson
•This is why I always zoom way in on any scanned documents when I'm transcribing entity names. Those little marks can be almost invisible.
Final thought - if all else fails, you might need to file a UCC-1 amendment after getting the original filing accepted with whatever name variation works, then immediately amend it to correct any discrepancies. Not ideal but it beats missing your deadline.
Just make sure the amendment is clearly marked as correcting the debtor name. You don't want any confusion about what you're changing.
Yara Khoury
•I've had to do this before. It works but you end up paying double filing fees which really stings.
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Sophia Long
I work for a large regional bank and we see this issue frequently. Our standard practice now is to file a UCC-3 amendment immediately when we're notified of any debtor name changes, even if it seems minor. The amendment creates a clear link in the system and protects our lien position. Don't wait - file that amendment this week if possible.
Sophia Long
•Not overreacting at all. With an $850K loan, you want to be absolutely certain about your perfection status.
At least the banks are being proactive about this stuff. Wish the state systems were as reliable as the banking procedures.
UPDATE: I wanted to thank everyone for the advice. I ended up filing a UCC-3 amendment yesterday to add the new debtor name, and I also used that Certana.ai tool someone mentioned to verify all our documents were consistent before filing. It caught a couple of minor discrepancies I hadn't noticed. The amendment is already showing up in the PA system and both names are now linking properly in searches. Huge relief!
Glad the document verification tool helped! It's amazing how many small inconsistencies can slip through manual review.
This gives me confidence to tackle my own name change issues. Thanks for sharing your resolution!
Connor Gallagher
Update: Got the official copy of the original UCC-1 and found the issue! There was indeed an extra space after 'SOLUTIONS' that wasn't visible in the online search display. Refiled the UCC-3 amendment form with the exact spacing and it was accepted within 24 hours. Thanks everyone for the debugging help.
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Yara Khoury
•Great resolution. This thread will definitely help others dealing with similar UCC-3 amendment rejections.
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Keisha Taylor
•This is exactly why I started using document verification tools for all my UCC filings. Catching these issues upfront saves so much time and client frustration.
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Paolo Longo
For anyone else dealing with UCC-3 amendment form issues, I highly recommend double-checking debtor names character by character before filing. The automated systems are completely unforgiving of even single-character differences.
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Amina Bah
•Character by character checking is tedious but necessary. I wish the filing systems had better error messages to tell you exactly what doesn't match.
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Oliver Becker
•The Certana document checker mentioned earlier actually does highlight the exact character differences between documents. Makes the comparison much easier than doing it manually.
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