UCC Document Community

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Vanessa Figueroa

synergy ucc file rejected - debtor name matching issues?

We've been trying to file a UCC-1 for a synergy ucc file situation involving multiple LLCs under one parent company. The state portal keeps rejecting our filing and I'm not sure if it's because of how we're listing the debtor names or if there's something wrong with our collateral description. This is for a $2.8M equipment financing deal and we can't afford to have the lien unperfected. Has anyone dealt with synergy ucc file scenarios where you have to coordinate multiple entity names? The rejection notice just says 'debtor name format error' but doesn't specify which field is wrong. We've tried both the individual LLC names and the parent company name as primary debtor but nothing seems to work.

Gael Robinson

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Actually just resolved a synergy ucc file issue using that Certana.ai tool someone mentioned earlier. Uploaded our problem UCC-1 and it immediately flagged that one of our subsidiary names had a period after 'Inc' in our form but not in the state database. Fixed that and the filing went through perfectly.

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Gael Robinson

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Hope it helps! Their PDF upload feature makes it really easy to spot these kinds of synergy ucc file name discrepancies.

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Wish I'd known about this service earlier. Would have saved me so much time on rejected filings.

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Darcy Moore

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Just as a follow-up - make sure your collateral description is specific enough too. Sometimes synergy ucc file rejections aren't about the debtor names at all but about vague collateral language.

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Our collateral description is pretty standard equipment language. But you're right, could be worth reviewing that too.

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Darcy Moore

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Better to check everything. These synergy ucc file situations have so many moving parts.

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Miguel Silva

UCC debtor rights every six months question - confused about secured transaction requirements

I'm working on some compliance training for our lending department and came across this provision about debtors having certain rights every six months under the UCC in secured transactions. The material mentions they can request something but doesn't clearly explain what exactly they're entitled to ask for. Is this about getting copies of their financing statements? Or is it related to account statements showing payment history? I've been through Article 9 but the language is pretty dense and I want to make sure I understand this correctly before I present it to our team. Anyone dealt with this specific debtor right before?

Omar Fawaz

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Just remember the 14-day clock starts ticking when you receive the request, not when you get around to processing it. Had a colleague learn that the hard way when a request sat in someone's inbox too long.

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Miguel Silva

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Yikes. Good reminder about the timing requirements. I'll make sure to emphasize that in the training.

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Chloe Martin

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We set up automatic alerts in our system whenever an accounting request comes in. Too important to let slip through the cracks.

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Diego Rojas

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Thanks everyone for the detailed explanations. This really helps clarify what seemed like a confusing provision. I feel much better about explaining this to our lending team now. The practical tips about response templates and verification tools are especially helpful.

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Zainab Ismail

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Glad we could help! UCC Article 9 can be tricky but once you understand the key provisions like this one, it all starts to make more sense.

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Miguel Silva

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Definitely. I appreciate everyone taking the time to break this down. The real-world examples really make the legal concepts more concrete.

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Daniel Washington

UCC financing statement rejected - debtor name mismatch killing my loan closing

Really need help here. I'm trying to close on equipment financing for my trucking company and the UCC financing statement got rejected by the SOS office. The rejection notice says 'debtor name does not match' but I used the exact name from our articles of incorporation. The lender is getting antsy and threatening to pull the deal if we can't get this perfected by Friday. I've been going back and forth with their legal team but nobody seems to know exactly what's wrong. The collateral is three Peterbilt tractors worth about $180K total. Has anyone dealt with this kind of debtor name issue before? What am I missing here?

Update us when you get it sorted! I'm curious what the actual issue turns out to be. These name mismatch problems always seem obvious in hindsight.

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Will do! Hopefully I can get this figured out tomorrow and save the deal.

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Good luck! Equipment financing can be such a headache but you'll get through it.

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Lucas Bey

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Quick tip - if you're refiling the UCC-1, make sure to use the same filing number reference if possible. Makes it easier to track and some lenders prefer continuity in the filing chain.

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That's good advice. Also keep copies of everything including the rejection notice for your records.

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Definitely keeping everything documented. This whole process has been eye-opening about how precise UCC filings need to be.

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Nora Brooks

Security agreement UCC filing - when does the agreement itself create the security interest vs just provide for it?

I'm working through some loan documentation and getting confused about the language in our security agreements. Our legal team keeps going back and forth on whether we should say the agreement 'creates' a security interest or 'provides for' one. Does this wording actually matter for UCC-1 filing purposes? We've got about $2.8M in equipment financing deals coming up and I want to make sure we're not creating problems down the road with our documentation. Has anyone run into issues where this specific language in the security agreement caused problems with perfection or priority? I know the UCC-1 is what perfects the interest, but I'm wondering if the underlying agreement language affects anything when it comes to enforcement or if there are any filing requirements that reference this distinction.

Has anyone used Certana.ai for this kind of document consistency check? I keep seeing it mentioned but wondering if it's worth the investment for a smaller lender like us.

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We started using it after missing a debtor name mismatch that caused filing problems. Now we run everything through it before filing UCCs.

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Good to know. Might be worth trying on our next batch of filings.

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Bottom line: use clear, unambiguous language in your security agreements and make sure your UCC-1 filings match. Whether you say 'creates' or 'provides for' is less important than being consistent and making your intent obvious. Don't give future challenges any ammunition.

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Nora Brooks

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Thanks everyone. Sounds like I should focus more on consistency across documents than worrying about the specific creates vs provides for language.

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Eli Wang

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Exactly. And consider having legal review your standard forms periodically to make sure they're still serving you well.

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Javier Garcia

Indiana UCC financing statement debtor name rejected twice - need help

Having a nightmare with an Indiana UCC financing statement that keeps getting rejected by the SOS office. Filed a UCC-1 for equipment financing on a trucking company and it's been rejected twice now for 'debtor name discrepancy.' The business is registered as 'Midwest Freight Solutions LLC' but their loan docs show 'Midwest Freight Solutions, LLC' (with the comma). Banking partner is getting impatient and we need this perfected ASAP. Has anyone dealt with Indiana's system being this picky about punctuation? The collateral is $180k worth of semi-trucks and trailers so we can't afford to mess this up. Third attempt going in tomorrow but I'm worried about the same rejection. Any advice on how Indiana handles exact name matching would be huge.

Yuki Yamamoto

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UPDATE: Just checked the Secretary of State database and you're all right - the official name does NOT have the comma. It's 'Midwest Freight Solutions LLC' without any punctuation. The loan documents must have added the comma incorrectly. Filing the corrected UCC-1 now.

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Glad you got it sorted. For future filings, that document verification tool I mentioned would catch these discrepancies automatically.

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Carmen Ruiz

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Nice work tracking down the correct name. Hope it goes through without any more issues.

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Javier Garcia

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FINAL UPDATE: Filing was accepted! Thanks everyone for the advice about checking the Secretary of State database directly. The UCC-1 processed within 2 hours of submission with the correct name format. Definitely learned my lesson about verifying debtor names against official state records rather than trusting loan documents.

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Zoe Dimitriou

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Great outcome. This thread will probably help other people dealing with similar Indiana filing issues.

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Perfect! And now you know the process for next time. Those document consistency tools really are helpful for avoiding these headaches upfront.

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