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<DIV>I will keep you informed. I have about finished the answer. The
foreclosure complaint alleged that the parents estates were defendants and those
estates were given notice. Part of my rough draft of an answer is that
there was no estate to give notice to. I can certainly commence an estate,
however, I wonder if it is necessary considering that well over 2 years have
passed since the date of death and under <SPAN
style='FONT-FAMILY: ; POSITION: relative; TOP: 2pt; mso-bidi-font-size: 10.0pt; mso-fareast-font-family: "Times New Roman"; mso-text-raise: -2.0pt; mso-ansi-language: en-us; mso-fareast-language: en-us; mso-bidi-language: ar-sa'><FONT
face=Arial>11.40.051(1)(C). all claims against the estate are now invalid if
that is a statute of limitations. My thinking is that the statute sets a
statute of limitations, and one doesn’t have to commence an estate for the
simple reason to reject the claim under that statute. The bank could have
commenced an estate as creditor within 2 years of the dates of death, but they
didn’t.</FONT></SPAN></DIV>
<DIV><SPAN
style='FONT-FAMILY: ; POSITION: relative; TOP: 2pt; mso-bidi-font-size: 10.0pt; mso-fareast-font-family: "Times New Roman"; mso-text-raise: -2.0pt; mso-ansi-language: en-us; mso-fareast-language: en-us; mso-bidi-language: ar-sa'><FONT
face=Arial></FONT></SPAN> </DIV>
<DIV><SPAN
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face=Arial>Is their authority that where, as here, a debt no longer exists, and
that the interest in the property that once existed, i.e. the life estate, no
longer exists, that there can not be a valid security interest in the real
property? I think that is the crux of our argument.</FONT></SPAN></DIV>
<DIV
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<DIV style="FONT: 10pt tahoma">
<DIV> </DIV>
<DIV style="BACKGROUND: #f5f5f5">
<DIV style="font-color: black"><B>From:</B> <A title=Eric@sayrelawoffices.com
href="mailto:Eric@sayrelawoffices.com">Eric Nelsen</A> </DIV>
<DIV><B>Sent:</B> Friday, February 06, 2015 4:01 PM</DIV>
<DIV><B>To:</B> <A title=wsbapt@lists.wsbarppt.com
href="mailto:wsbapt@lists.wsbarppt.com">WSBA Probate & Trust Listserv</A>
</DIV>
<DIV><B>Subject:</B> Re: [WSBAPT] summary judgment bank
foreclosure</DIV></DIV></DIV>
<DIV> </DIV></DIV>
<DIV
style='FONT-SIZE: small; TEXT-DECORATION: none; FONT-FAMILY: "Calibri"; FONT-WEIGHT: normal; COLOR: #000000; FONT-STYLE: normal; DISPLAY: inline'>
<DIV class=WordSection1>
<P class=MsoNormal><SPAN
style='FONT-SIZE: 11pt; FONT-FAMILY: "Calibri","sans-serif"; COLOR: #1f497d'>Marcus
may be right regarding the contract provision, but I had one thought about
that--I recall case law that says, when one party asserts rights under a
contract and the other party asserts defenses based on avoiding the contract,
the defending party can still receive an attorney fee award under a prevailing
party clause in the avoided contract. I don't know if that necessarily applies
in this circumstance, but something to consider.<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style='FONT-SIZE: 11pt; FONT-FAMILY: "Calibri","sans-serif"; COLOR: #1f497d'><o:p></o:p></SPAN> </P>
<P class=MsoNormal><SPAN
style='FONT-SIZE: 11pt; FONT-FAMILY: "Calibri","sans-serif"; COLOR: #1f497d'>Actually,
second thought--the provision of RCW 4.84.330 seems to say outright that if the
action is based on the contract, the prevailing party can collect attorney fees
regardless of whether the prevailing party was actually a party to the contract.
So maybe no probate necessary.<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style='FONT-SIZE: 11pt; FONT-FAMILY: "Calibri","sans-serif"; COLOR: #1f497d'><o:p></o:p></SPAN> </P>
<P class=MsoNormal><SPAN
style='FONT-SIZE: 11pt; FONT-FAMILY: "Calibri","sans-serif"; COLOR: #1f497d'>Sorry
I don't have briefing to provide. All I have is a long-standing fear and
loathing of B of A. Go get 'em!<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style='FONT-SIZE: 11pt; FONT-FAMILY: "Calibri","sans-serif"; COLOR: #1f497d'><o:p></o:p></SPAN> </P>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: #1f497d'>Sincerely,<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: #1f497d'><o:p></o:p></SPAN> </P>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: #1f497d'>Eric<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: #1f497d'><o:p></o:p></SPAN> </P>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: #1f497d'>Eric C.
Nelsen<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: #1f497d'>SAYRE LAW OFFICES,
PLLC<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: #1f497d'>1320 University
St<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: #1f497d'>Seattle WA
98101-2837<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: #1f497d'>phone
206-625-0092<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: #1f497d'>fax
206-625-9040<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style='FONT-SIZE: 11pt; FONT-FAMILY: "Calibri","sans-serif"; COLOR: #1f497d'><o:p></o:p></SPAN> </P>
<P class=MsoNormal><SPAN
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<DIV>
<DIV
style="BORDER-TOP: #b5c4df 1pt solid; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; PADDING-BOTTOM: 0in; PADDING-TOP: 3pt; PADDING-LEFT: 0in; BORDER-LEFT: medium none; PADDING-RIGHT: 0in">
<P class=MsoNormal><B><SPAN
style='FONT-SIZE: 10pt; FONT-FAMILY: "Tahoma","sans-serif"'>From:</SPAN></B><SPAN
style='FONT-SIZE: 10pt; FONT-FAMILY: "Tahoma","sans-serif"'>
wsbapt-bounces@lists.wsbarppt.com [mailto:wsbapt-bounces@lists.wsbarppt.com]
<B>On Behalf Of </B>Marcus Fry<BR><B>Sent:</B> Friday, February 06, 2015 3:31
PM<BR><B>To:</B> 'WSBA Probate & Trust Listserv'<BR><B>Subject:</B> Re:
[WSBAPT] summary judgment bank foreclosure<o:p></o:p></SPAN></P></DIV></DIV>
<P class=MsoNormal><o:p></o:p> </P>
<P class=MsoNormal><A name=_GoBack></A><SPAN
style='FONT-SIZE: 11pt; FONT-FAMILY: "Calibri","sans-serif"; COLOR: #1f497d'>Josh:<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style='FONT-SIZE: 11pt; FONT-FAMILY: "Calibri","sans-serif"; COLOR: #1f497d'>I
don’t have briefing on this issue, but I would think the contract provision
wouldn’t apply unless someone steps into the shoes of parents’ estate as the
contract was between them. May need to open a probate to assert their
rights. As to CR 11, it really depend how egregious the conduct has been,
and that might be the case here, but I never count on CR 11 award for
fees.<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style='FONT-SIZE: 11pt; FONT-FAMILY: "Calibri","sans-serif"; COLOR: #1f497d'><o:p></o:p></SPAN> </P>
<DIV>
<P class=MsoNormal style="TEXT-ALIGN: justify"><SPAN
style='FONT-SIZE: 10pt; FONT-FAMILY: "Courier New"; COLOR: #1f497d'>Marcus J.
Fry<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style='FONT-SIZE: 10pt; FONT-FAMILY: "Courier New"; COLOR: #1f497d'>Lyon,
Weigand & Gustafson, P.S.</SPAN><SPAN style="COLOR: #1f497d">
<BR></SPAN><SPAN
style='FONT-SIZE: 10pt; FONT-FAMILY: "Courier New"; COLOR: #1f497d'>Adoption
Attorney*<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style='FONT-SIZE: 10pt; FONT-FAMILY: "Courier New"; COLOR: #1f497d'>P.O. Box
1689</SPAN><SPAN style="COLOR: #1f497d"> <BR></SPAN><SPAN
style='FONT-SIZE: 10pt; FONT-FAMILY: "Courier New"; COLOR: #1f497d'>Yakima,
Washington 98907</SPAN><SPAN style="COLOR: #1f497d"> <BR></SPAN><SPAN
style='FONT-SIZE: 10pt; FONT-FAMILY: "Courier New"; COLOR: #1f497d'>Telephone:
(509) 248-7220</SPAN><SPAN style="COLOR: #1f497d"> <BR></SPAN><SPAN
style='FONT-SIZE: 10pt; FONT-FAMILY: "Courier New"; COLOR: #1f497d'>Facsimile:
(509) 575-1883</SPAN><SPAN style="COLOR: #1f497d"> <o:p></o:p></SPAN></P>
<P class=MsoNormal style="TEXT-ALIGN: justify"><B><U><SPAN
style='FONT-SIZE: 9pt; FONT-FAMILY: "Arial","sans-serif"; COLOR: #1f497d'><o:p><SPAN
style="TEXT-DECORATION: none"> </SPAN></o:p></SPAN></U></B></P>
<P class=MsoNormal style="TEXT-ALIGN: justify"><B><U><SPAN
style='FONT-SIZE: 9pt; FONT-FAMILY: "Arial","sans-serif"; COLOR: #1f497d'>NOTICES:<o:p></o:p></SPAN></U></B></P>
<P class=MsoNormal style="TEXT-ALIGN: justify"><SPAN
style='FONT-SIZE: 9pt; FONT-FAMILY: "Arial","sans-serif"; COLOR: #1f497d'>*Adoption
Attorney reflects election as a Fellow of the American Academy of Adoption
Attorneys, an invitation based organization of 300+ attorneys nationwide, under
its criteria of experience, ethics and peer recommendation. Washington's Supreme
Court has not yet developed or recognized a credentialing process for
specialties, and certification/fellowship is not required to practice law in
this state.<o:p></o:p></SPAN></P>
<P class=MsoNormal style="TEXT-ALIGN: justify"><B><SPAN
style='FONT-SIZE: 9pt; FONT-FAMILY: "Arial","sans-serif"; COLOR: #1f497d'>Confidentiality:
</SPAN></B><SPAN
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return the e-mail to us by choosing Reply (or the corresponding function on your
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style="COLOR: #1f497d"><o:p></o:p></SPAN></P></DIV>
<P class=MsoNormal><SPAN
style='FONT-SIZE: 11pt; FONT-FAMILY: "Calibri","sans-serif"; COLOR: #1f497d'><o:p></o:p></SPAN> </P>
<DIV>
<DIV
style="BORDER-TOP: #b5c4df 1pt solid; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; PADDING-BOTTOM: 0in; PADDING-TOP: 3pt; PADDING-LEFT: 0in; BORDER-LEFT: medium none; PADDING-RIGHT: 0in">
<P class=MsoNormal><B><SPAN
style='FONT-SIZE: 10pt; FONT-FAMILY: "Tahoma","sans-serif"'>From:</SPAN></B><SPAN
style='FONT-SIZE: 10pt; FONT-FAMILY: "Tahoma","sans-serif"'> <A
href="mailto:wsbapt-bounces@lists.wsbarppt.com">wsbapt-bounces@lists.wsbarppt.com</A>
[<A
href="mailto:wsbapt-bounces@lists.wsbarppt.com">mailto:wsbapt-bounces@lists.wsbarppt.com</A>]
<B>On Behalf Of </B>Josh Grant<BR><B>Sent:</B> Friday, February 06, 2015 3:03
PM<BR><B>To:</B> wsbar trust<BR><B>Subject:</B> [WSBAPT] summary judgment bank
foreclosure<o:p></o:p></SPAN></P></DIV></DIV>
<P class=MsoNormal><o:p></o:p> </P>
<DIV>
<DIV>
<DIV>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: black'>I am wondering if
anyone has sample form(s)?<o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: black'> <o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: black'>My client has been
served with a foreclosure complaint and summons. I have explained
repeatedly that B of A has no right to foreclose. Client’s parents were
the borrowers. A year or so before they borrowed from BofA they gave house to
client retaining a life estate on it. Title company goofed and didn’t
notice the deed. Title company has admitted that goof, and I have told
bank to go collect on lender’s title policy. Parents died many years
ago(way more than 2). Because all they could encumber was a life estate,
and the life estates are long gone, foreclosure compalint of the house should be
cancelled by summary judgment. No action against parents’ estates in the 2 years
since they died.<o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: black'> <o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: black'>Anyone have a summary
judgment forms that would be similar that I can work off
of?<o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: black'> <o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: black'>I will be asking for
attorney fees under RCW 4.84.330 (contract provides for attorneys’ fees =
prevailing party collects). I will put that in the answer as
well.<o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: black'>I have pointed all
this out many times over the last several years to various collection bureau’s,
so I would think the complaint to foreclose violated CR 11, except that the
collection bureau probably didn’t pass on the info to the attorney. I
don’t need CR 11 anyway because of 4.84.330. Maybe if they oppose the
summary judgment motion?<o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: black'> <o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: black'>thanks<o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: black'> <o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style='FONT-FAMILY: "Calibri","sans-serif"; COLOR: black'>Joshua F. Grant,
PS<BR>Attorney at Law<BR>P. O. Box 619<BR>Wilbur, WA 99185<BR>tel 509 647
5578<BR>fax 509 647 2734<o:p></o:p></SPAN></P></DIV></DIV></DIV></DIV>
<P>
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