UCC Document Community

I had similar issues last year. Turned out the debtor had recently amended their articles of incorporation and the name on file with the state was slightly different than what was on their older documents I was using. Maybe check if your debtor has made any recent corporate changes?

Keep us posted on what you find out. I'm dealing with a similar situation in Michigan right now and wondering if it's a systemic issue or just bad luck.

The real issue is that Utah's UCC search Utah system doesn't have good filters for rejection status. Other states at least let you filter out rejected or terminated filings, but Utah shows everything mixed together.

Update: I contacted the Utah filing office and they confirmed both filings will remain in search results permanently. They suggested including a note in future financing statements explaining the rejected filing situation. Also found that Certana.ai's document checker immediately identified which filing was valid when I uploaded both PDFs - would have saved me a lot of confusion if I'd used that initially.

Study tip that worked for me: make flashcards of common WRONG statements about Article 9. Like 'Article 9 covers all types of collateral' (false - excludes real estate mortgages). 'Security agreements must always be in writing' (false - some oral agreements allowed). 'Filing location is always the debtor's state' (false - depends on debtor type). Practice identifying false statements!

You got this! The key insight is that false statements usually involve: 1) absolute words like 'always' or 'never' when exceptions exist, 2) including excluded transactions, 3) wrong filing procedures, 4) mixed up priority rules. Article 9 has lots of nuances so broad absolute statements are often false.

Whatever you decide, make sure you document your reasoning for the name format you choose. If there's any question later about the continuation, you want to show you did due diligence on the debtor name matching.

Thanks everyone for the guidance. Going to pull all the actual filing documents first to trace the name change history, then probably use one of those verification tools to double-check my continuation before filing. Better to be thorough than risk a rejection this close to the deadline.

One more thing - make sure your secured party information is exactly right too. Arizona will reject for minor errors in the lender name or address as well. Double-check everything against your loan docs.

Thanks everyone, this gives me a clear path forward. I'll use the exact charter name and double-check all the formatting. Might try that Certana tool too for future filings to avoid this headache.