How long is a financing statement effective how can it be, Financial Management

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How long is a financing statement effective how can it be

1) How long is a financing statement effective? How can it be extended?

2) What is the creditor's obligation realted to a filed financing statement once the debt is paid off by the debtor?

3) Upon debtor's default what rights does the creditor have to the collateral?

4) If upon repossession and resale the creditor gets an amount IN EXCESS of the debt can the creditor keep it?

5) If upon repossession and resale the creditor gets an amount LESS that the outstanding debt does the creditor have any further legal rights against the debtor?

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