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<p class="MsoNormal"><span style="font-size:11.0pt;mso-bidi-font-family:"Times New Roman";color:#595959">Should have read “have not researched this issue.”<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;mso-bidi-font-family:"Times New Roman";color:#595959"><o:p> </o:p></span></p>
<div>
<p class="MsoNormal"><span style="font-size:14.0pt;font-family:"Tw Cen MT",sans-serif;mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:"Times New Roman";color:#595959;mso-no-proof:yes">John Creahan</span><span style="font-family:"Tw Cen MT",sans-serif;mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:"Times New Roman";color:#595959;mso-no-proof:yes"><o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:12.0pt"><span style="font-family:"Tw Cen MT",sans-serif;mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:"Times New Roman";color:#595959;mso-no-proof:yes">206-621-5848<br>
<a href="http://www.cairn-law.com/"><span style="color:#595959">www.cairn-law.com</span></a></span><span style="font-family:"Tw Cen MT",sans-serif;mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:"Times New Roman";color:#4F6228;mso-no-proof:yes"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:"Times New Roman";color:#595959;mso-no-proof:yes"><o:p> </o:p></span></p>
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<p class="MsoNormal"><span style="font-size:11.0pt;mso-bidi-font-family:"Times New Roman";color:#595959"><o:p> </o:p></span></p>
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<p class="MsoNormal"><b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;mso-fareast-font-family:"Times New Roman"">From:</span></b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;mso-fareast-font-family:"Times New Roman""> wsbapt-bounces@lists.wsbarppt.com
[mailto:wsbapt-bounces@lists.wsbarppt.com] <b>On Behalf Of </b>John Creahan<br>
<b>Sent:</b> Friday, February 6, 2015 6:38 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>
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<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal" style="margin-bottom:6.0pt"><span style="font-size:11.0pt;color:#595959">Josh,<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:6.0pt"><span style="font-size:11.0pt;color:#595959">I am not a litigator, and have researched this issue.
<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:6.0pt"><span style="font-size:11.0pt;color:#595959">Having said that, I think you need to look to RCW 11.42.050 rather than 11.40.051. As I read the former, the limitations clock doesn’t start until a notice agent provides
notice to creditors. Paragraph 1 only applies if a notice agent has been appointed. If not, paragraph 2 applies, which reads: “</span><span style="font-size:11.0pt;font-family:"Arial",sans-serif">Any otherwise applicable statute of limitations applies without
regard to the tolling provisions of RCW <a href="http://apps.leg.wa.gov/rcw/default.aspx?cite=4.16.190">
4.16.190</a>.”</span><span style="font-size:11.0pt;color:#595959"><o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:6.0pt"><span style="font-size:11.0pt;color:#595959">If I understand the facts correctly, the bank appears to have had a valid (unsecured) claim against the parents and, later, their estate. If estate assets passed to
the sons, the son’s inheritance would be subject to the bank’s claim. <o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:6.0pt"><span style="font-size:11.0pt;color:#595959">Did the bank record their purported security interest in the property? Has it been removed from title? The probate doesn’t affect a security interest.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;color:#595959">My $.02.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;color:#595959">John<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;color:#595959"><o:p> </o:p></span></p>
<div>
<p class="MsoNormal"><span style="font-size:14.0pt;font-family:"Tw Cen MT",sans-serif;mso-fareast-font-family:"Times New Roman";color:#595959;mso-no-proof:yes">John Creahan</span><span style="font-family:"Tw Cen MT",sans-serif;mso-fareast-font-family:"Times New Roman";color:#595959;mso-no-proof:yes"><o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:12.0pt"><span style="font-family:"Tw Cen MT",sans-serif;mso-fareast-font-family:"Times New Roman";color:#595959;mso-no-proof:yes">206-621-5848<br>
<a href="http://www.cairn-law.com/"><span style="color:#595959">www.cairn-law.com</span></a></span><span style="font-family:"Tw Cen MT",sans-serif;mso-fareast-font-family:"Times New Roman";color:#4F6228;mso-no-proof:yes"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="mso-fareast-font-family:"Times New Roman";color:#595959;mso-no-proof:yes"><o:p> </o:p></span></p>
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<p class="MsoNormal"><span style="font-size:11.0pt;color:#595959"><o:p> </o:p></span></p>
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<div style="border:none;border-top:solid #E1E1E1 1.0pt;padding:3.0pt 0in 0in 0in">
<p class="MsoNormal" style="mso-outline-level:1"><b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;mso-fareast-font-family:"Times New Roman"">From:</span></b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;mso-fareast-font-family:"Times New Roman"">
<a href="mailto:wsbapt-bounces@lists.wsbarppt.com"><span class="SpellE">wsbapt-bounces@lists.wsbarppt.com</span></a> [<span class="SpellE"><a href="mailto:wsbapt-bounces@lists.wsbarppt.com">mailto:wsbapt-bounces@lists.wsbarppt.com</a></span>]
<b>On Behalf <span class="GramE">Of</span> </b>Josh Grant<br>
<b>Sent:</b> Friday, February 6, 2015 4:59 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>
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<p class="MsoNormal"><o:p> </o:p></p>
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<p class="MsoNormal"><span style="font-family:"Calibri",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">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><span style="mso-bidi-font-size:10.0pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black;position:relative;top:2.0pt;mso-text-raise:-2.0pt">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.</span><span style="font-family:"Calibri",sans-serif;mso-fareast-font-family:"Times New Roman";color:black"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-family:"Calibri",sans-serif;mso-fareast-font-family:"Times New Roman";color:black"> <o:p></o:p></span></p>
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<p class="MsoNormal"><span style="mso-bidi-font-size:10.0pt;font-family:"Arial",sans-serif;mso-fareast-font-family:"Times New Roman";color:black;position:relative;top:2.0pt;mso-text-raise:-2.0pt">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.</span><span style="font-family:"Calibri",sans-serif;mso-fareast-font-family:"Times New Roman";color:black"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif;mso-fareast-font-family:"Times New Roman";color:black"> <o:p></o:p></span></p>
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<p class="MsoNormal" style="mso-outline-level:1;background:whitesmoke"><b><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">From:</span></b><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">
<a href="mailto:Eric@sayrelawoffices.com" title="Eric@sayrelawoffices.com">Eric Nelsen</a>
<o:p></o:p></span></p>
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<p class="MsoNormal" style="background:whitesmoke"><b><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">Sent:</span></b><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">
Friday, February 06, 2015 4:01 PM<o:p></o:p></span></p>
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<p class="MsoNormal" style="background:whitesmoke"><b><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">To:</span></b><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">
<a href="mailto:wsbapt@lists.wsbarppt.com" title="wsbapt@lists.wsbarppt.com">WSBA Probate & Trust Listserv</a>
<o:p></o:p></span></p>
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<p class="MsoNormal" style="background:whitesmoke"><b><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">Subject:</span></b><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">
Re: [WSBAPT] summary judgment bank foreclosure<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-family:"Calibri",sans-serif;mso-fareast-font-family:"Times New Roman";color:black"> <o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:11.0pt;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="color:black"> </span><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;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="color:black"> </span><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;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="color:black"> </span><span style="font-size:11.0pt;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="color:black"> </span><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="color:black"> </span><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="color:black"> </span><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:black"> </span><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:black"> </span><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D"><o:p></o:p></span></p>
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<div style="border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0in 0in 0in">
<p class="MsoNormal" style="mso-outline-level:1"><b><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif;color:black">From:</span></b><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif;color:black">
<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>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"><span style="color:black"> <o:p></o:p></span></p>
<p class="MsoNormal"><a name="_GoBack"></a><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D">Josh:<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;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="color:black"> </span><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D"><o:p></o:p></span></p>
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<p class="MsoNormal" style="text-align:justify"><span style="font-size:10.0pt;font-family:"Courier New";color:#1F497D">Marcus J. Fry<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Courier New";color:#1F497D">Lyon, Weigand & Gustafson, P.S.</span><span style="color:#1F497D">
<br>
</span><span style="font-size:10.0pt;font-family:"Courier New";color:#1F497D">Adoption Attorney*<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Courier New";color:#1F497D">P.O. Box 1689</span><span style="color:#1F497D">
<br>
</span><span style="font-size:10.0pt;font-family:"Courier New";color:#1F497D">Yakima, Washington 98907</span><span style="color:#1F497D">
<br>
</span><span style="font-size:10.0pt;font-family:"Courier New";color:#1F497D">Telephone: (509) 248-7220</span><span style="color:#1F497D">
<br>
</span><span style="font-size:10.0pt;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:9.0pt;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:9.0pt;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:9.0pt;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:9.0pt;font-family:"Arial",sans-serif;color:#1F497D">Confidentiality:
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<p class="MsoNormal"><span style="color:black"> </span><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D"><o:p></o:p></span></p>
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<p class="MsoNormal" style="mso-outline-level:1"><b><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif;color:black">From:</span></b><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif;color:black">
<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>
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<p class="MsoNormal"><span style="color:black"> <o:p></o:p></span></p>
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<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>
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<p class="MsoNormal"><span style="font-family:"Calibri",sans-serif;color:black"> <o:p></o:p></span></p>
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<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>
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<p class="MsoNormal"><span style="font-family:"Calibri",sans-serif;color:black"> <o:p></o:p></span></p>
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<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>
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<p class="MsoNormal"><span style="font-family:"Calibri",sans-serif;color:black"> <o:p></o:p></span></p>
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<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>
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<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>
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<p class="MsoNormal"><span style="font-family:"Calibri",sans-serif;color:black"> <o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-family:"Calibri",sans-serif;color:black">thanks<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-family:"Calibri",sans-serif;color:black"> <o:p></o:p></span></p>
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<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>
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<p class="MsoNormal"><span style="font-family:"Calibri",sans-serif;mso-fareast-font-family:"Times New Roman";color:black">_______________________________________________<br>
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