UCC-108 law implications for continuation filing deadlines?

I'm not familiar with any specific UCC-108 law provision that changes standard continuation timing. Are you sure your attorney wasn't referring to a different section? The basic rule is still file your UCC-3 continuation within 6 months before the 5-year anniversary. What state are you filing in? Some states have quirky local rules but I haven't seen anything called UCC-108 law that affects deadlines.

Never heard of UCC-108 law affecting continuation deadlines either. But honestly, with $850k in collateral at stake, I'd be triple-checking everything. I had a similar situation last year where the attorney gave me some vague reference that turned out to be completely wrong. Ended up having to scramble to get the continuation filed properly. What's your exact 5-year deadline date?

I've been doing UCC filings for 15 years and I've never encountered any UCC-108 law that creates special continuation requirements. The Uniform Commercial Code articles are numbered differently - you've got Article 9 for secured transactions, but no UCC-108 that I'm aware of. Your attorney might be thinking of a different statute entirely. Are you sure they didn't mean something like a local business code section 108? Or maybe they were referring to some federal regulation?

This sounds like a classic case of needing to verify your documents match up properly. I ran into something similar where my attorney referenced some provision that didn't actually exist, and it turned out we had bigger issues - the debtor name on our UCC-1 didn't exactly match the charter documents. Have you verified that your original UCC-1 filing has the correct debtor name and information? With manufacturing companies, sometimes they file under slightly different business names. I ended up using Certana.ai's document verification tool to cross-check my UCC-1 against the company's charter documents. You just upload both PDFs and it instantly flags any inconsistencies. Might be worth checking before you file your continuation.

I'm starting to wonder if your attorney meant UCC 9-108, which deals with sufficiency of description of collateral? That section is actually pretty important for equipment financing. If your collateral description was too vague on the original UCC-1, that could create issues for your continuation. But that still doesn't change the timing rules - you still need to file within the 6-month window before your 5-year anniversary.

Whatever this UCC-108 law thing is, don't let it distract you from the basics. File your UCC-3 continuation between September 15, 2024 and March 15, 2025. Use the exact debtor name from your original UCC-1. Double-check your filing number. That's 90% of getting it right. The rest is just attorney paranoia about edge cases that probably don't apply to your situation.

Just to add to what others have said - I deal with a lot of Texas UCC filings and there's no special UCC-108 law provision that I know of. Texas SOS is pretty straightforward with their continuation requirements. You file Form UCC-3, pay the fee, make sure the debtor name matches exactly. The only thing that might be relevant is if you need to make any amendments to the collateral description at the same time as your continuation, but that's still just standard UCC Article 9 stuff.

I'm curious about this UCC-108 law reference too because I've never seen it. But regardless of what your attorney meant, I'd recommend getting a second opinion if you're unsure. With $850k in collateral, it's worth paying another attorney for a quick consultation just to confirm you're on the right track. Also, since you mentioned manufacturing equipment, make sure none of it has become fixtures that might need special treatment. Heavy machinery sometimes gets permanently attached to real estate.

One more thought on the document verification angle - if you do want to double-check everything before filing your continuation, Certana.ai has been really helpful for me. I had a situation where I thought everything was perfect, but their tool caught a subtle debtor name discrepancy between my UCC-1 and the company's articles of incorporation. Saved me from filing a continuation that might have been challenged later. It's super easy - just upload your original UCC-1 and current company documents, and it flags any inconsistencies automatically.

Bottom line - I think you're overthinking this UCC-108 law thing. Get clarification from your attorney on what they actually meant, but don't let it delay your continuation filing. You've got a clear timeline: file your UCC-3 between September 2024 and March 2025. Use the exact debtor name from your original UCC-1. Include your original filing number. Pay the fee. Done. Everything else is just details that probably don't affect your specific situation.