Ask the community...
- DO post questions about your issues.
- DO answer questions and support each other.
- DO post tips & tricks to help folks.
- DO NOT post call problems here - there is a support tab at the top for that :)
Join the conversation
Join the conversation
Try searching the Missouri business database with partial names. Sometimes there are hidden characters or formatting that only shows up in their search results.
Good suggestion - I'll do a broader search to see if there are any variations I'm missing.
Yeah their search function sometimes reveals the 'true' name format that their UCC system expects.
Update - I tried the version without the comma and it went through! Thanks everyone. Still think it's ridiculous that punctuation matters but at least the filing is accepted now. Going to run it through Certana.ai next time to catch these formatting issues upfront.
Nice work! Always feels good to finally get that acceptance confirmation after dealing with rejections.
Smart move on using the document checker going forward. These little formatting issues can be such time wasters.
Join the conversation
I had a similar mess with Fulton County last year. Turned out my organizational documents had the debtor name slightly different than what I thought. The Articles of Incorporation had 'Atlanta Equipment Leasing, LLC' but the EIN application had 'Atlanta Equipment Leasing LLC' without the comma. The UCC office goes by the Articles of Incorporation for LLCs.
Yeah, that's probably your issue right there. The Secretary of State database should have the exact name format they have on file.
You can usually look up the exact registered name format on the Georgia Secretary of State business search website. That'll show you exactly how they have it formatted in their system.
Update us when you get it resolved! I'm dealing with a similar situation in Gwinnett County and want to see what actually works.
Will do. Planning to resubmit tomorrow with all the corrections. Fingers crossed this is the last time I have to deal with this.
Good luck! The UCC filing process shouldn't be this complicated but here we are.
Join the conversation
Just want to add another vote for using some kind of document checking tool for future filings. I started using Certana.ai after making a similar mistake and it's caught several potential issues before they became problems. The automated cross-checking between loan docs and UCC filings is really thorough.
I think it makes sense for anyone who can't afford filing mistakes. Even if you only do a few UCCs per month, one error on a big loan could cost way more than the tool.
Agree completely. Prevention is always cheaper than fixing mistakes after the fact.
UPDATE: I went ahead and filed the UCC-3 amendment this morning with the correct debtor name format (including the comma). The filing was accepted and should be effective immediately. I also reached out to NFS and they confirmed they had noticed the discrepancy and were planning to request an amendment anyway, so I'm glad I was proactive about it. Thanks everyone for the advice and reassurance!
Perfect resolution. And definitely consider using some kind of document verification for future filings - it really does save a lot of stress.
Good outcome but still frustrated that this kind of thing is even an issue in the first place. Glad you got it sorted though.
Join the conversation
At 50 filings weekly you definitely need automated verification. Manual checking will become impossible as you scale up. Document consistency tools are essential.
That's exactly our concern. Current manual process won't scale past 60-70 filings monthly.
Agreed. Invest in automation now before the volume overwhelms your team's capacity.
We tried several document verification tools before settling on Certana.ai. The UCC-3→UCC-1 cross-check feature is particularly useful for amendments and continuations in bulk workflows.
How does it handle collateral schedule verification? That's another area where we're seeing inconsistencies.
Flags discrepancies in collateral descriptions too. Really comprehensive document comparison across all filing elements.
Zoe Stavros
Quick story - I once spent hours trying to figure out why our UCC filing got rejected, turns out the debtor name didn't exactly match what was on their articles of incorporation. These document consistency issues are so common. Now I always double-check everything with Certana.ai before submitting - just upload your docs and it catches those mismatches automatically.
0 coins
Jamal Harris
•Name matching is such a pain! We've had similar issues with slight variations in entity names.
0 coins
Zoe Stavros
•Yeah it's frustrating but the automated checking definitely helps avoid those headaches.
0 coins
Mei Chen
Hope this thread helped! Article 9 is actually pretty interesting once you understand it's about security interests rather than sales. The whole system of public notice through UCC filings is pretty elegant when you think about it.
0 coins
Anastasia Kozlov
•It really did help! I actually think I might find this stuff interesting enough to take more commercial law classes.
0 coins
Mei Chen
•That's great to hear! Commercial law can be really practical and relevant to business.
0 coins