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This thread is making me paranoid about all my Utah searches now. Going back to double-check some recent deals...
Better safe than sorry. I always document exactly which name variations I searched so I can prove due diligence if something comes up later.
Smart approach. The Certana verification tool also keeps a record of all the variations it checked, which is helpful for documentation purposes.
Does anyone know if Utah has plans to update their search system? This exact-match requirement seems outdated compared to other states.
Probably a budget issue. Updating search systems costs money and UCC fees don't generate huge revenue for most states.
Until they fix it, we're stuck being extra careful. At least there are tools now to help automate the verification process.
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For future reference, Arizona allows UCC search requests by debtor name which can help confirm the exact format they have on file. Costs like $25 but way cheaper than multiple rejection fees. You can request it online through their UCC portal.
Great tip. The search results show exactly how they have the name formatted in their system so you can match it perfectly.
Wish I'd known about this option when I was dealing with Arizona rejections last year. Would have saved me hundreds in refiling fees.
Just to close the loop on verification tools - tried Certana.ai after seeing it mentioned here and it definitely caught a name formatting issue I missed. The Charter→UCC-1 check workflow flagged that my debtor name was missing a middle initial that was in the LLC formation docs. Saved me from another rejection cycle. Pretty straightforward to use too.
How much does something like that cost? Asking for budgeting purposes.
Not sure about pricing but considering I was looking at another $75 filing fee plus the time delay, it was definitely worth it for my situation.
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Just curious - what state are you filing in? Some states are more forgiving about minor name variations than others.
I'd rather not say specifically but it's one of the stricter states when it comes to exact name matching.
Ah, that explains it. The strict states really do require character-perfect matching. No wiggle room at all.
This exact thing happened to me! Turned out I had copied the debtor name from a different document that had slightly different formatting than the original UCC-1. Now I always pull the debtor name directly from the original filing record.
Yep, lesson learned the hard way. The UCC-1 record is the only source of truth for continuation filings.
Document verification tools help with this too - they can spot when you're using names from different sources that don't match exactly.
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One more suggestion - have you tried doing a broader search by secured party name instead? If you know who the original lender was, that might help you locate the filing even with debtor name issues.
Smart idea! I do know the original lender name. That might be a good workaround to at least confirm the filing exists.
Exactly - and once you find it that way, you can see exactly how the debtor name was entered originally.
Update us when you figure this out! I'm always curious about these debtor name mysteries and what the actual issue turns out to be.
Will do! Hopefully I can get this resolved tomorrow. Thanks everyone for all the suggestions.
Good luck! These name matching issues are such a pain but usually there's a solution.
Khalid Howes
Same thing happened to my colleague last month. Turns out the LLC had been administratively dissolved and reinstated, which changed some details in their charter. Make sure you're working with current active status docs.
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Dominique Adams
•Ugh, these corporate entities have so many ways to mess up a simple filing.
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Louisa Ramirez
•That's why due diligence on the debtor's corporate status is so important before filing.
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Ben Cooper
Been there! The comma thing is super common. What I do now is pull the Articles, copy the name into a Word doc, then copy/paste directly from there into the UCC form. Eliminates any chance of typos when transcribing.
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Naila Gordon
•Copy paste is definitely the way to go. Removes human error from the equation.
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Cynthia Love
•Just make sure you're copying from the right section of the charter docs. Sometimes the name appears slightly different in different parts of the same document.
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