<html><head><meta http-equiv="Content-Type" content="text/html charset=windows-1252"></head><body style="word-wrap: break-word; -webkit-nbsp-mode: space; -webkit-line-break: after-white-space;">Thanks, Michael. <div><br><div apple-content-edited="true">
<div style="color: rgb(0, 0, 0); letter-spacing: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; word-wrap: break-word; -webkit-nbsp-mode: space; -webkit-line-break: after-white-space;"><div style="color: rgb(0, 0, 0); letter-spacing: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; word-wrap: break-word; -webkit-nbsp-mode: space; -webkit-line-break: after-white-space;"><div style="color: rgb(0, 0, 0); font-family: Helvetica; font-size: 12px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px;">Sarah Jael Dion</div><div style="color: rgb(0, 0, 0); font-family: Helvetica; font-size: 12px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px;"><br></div><div style="color: rgb(0, 0, 0); font-family: Helvetica; font-size: 12px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px;">Dion Law PLLC<span class="Apple-tab-span" style="white-space: pre;"> </span></div><div style="color: rgb(0, 0, 0); font-family: Helvetica; font-size: 12px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; word-wrap: break-word; -webkit-nbsp-mode: space; -webkit-line-break: after-white-space;"><div style="color: rgb(0, 0, 0); letter-spacing: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; word-wrap: break-word; -webkit-nbsp-mode: space; -webkit-line-break: after-white-space;"><div>206-550-4005</div><div><a href="mailto:sarah@dionlaw.com">sarah@dionlaw.com</a></div><div><a href="http://dionlaw.com">dionlaw.com</a></div><div><br></div><div>This message is private or privileged. If you are not the person for whom this message is intended, please notify me immediately and delete the message. Please do not copy or send this message to anyone else. </div><div><br></div></div><br class="Apple-interchange-newline"></div><br class="Apple-interchange-newline" style="color: rgb(0, 0, 0); font-family: Helvetica; font-size: 12px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px;"><br class="Apple-interchange-newline"></div></div>
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<br><div style=""><div>On Mar 13, 2015, at 1:39 PM, Mike Winslow <<a href="mailto:mike@winslegal.com">mike@winslegal.com</a>> wrote:</div><br class="Apple-interchange-newline"><blockquote type="cite"><div bgcolor="white" lang="EN-US" link="blue" vlink="purple" style="font-family: Helvetica; font-size: 12px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px;"><div class="WordSection1" style="page: WordSection1;"><div style="margin: 0in 0in 0.0001pt; font-size: 12pt; font-family: 'Times New Roman', serif;"><span style="font-size: 11pt; font-family: Calibri, sans-serif; color: rgb(31, 73, 125);">Agree with Richard’s advice and have so advised clients in the past.<o:p></o:p></span></div><div style="margin: 0in 0in 0.0001pt; font-size: 12pt; font-family: 'Times New Roman', serif;"><span style="font-size: 11pt; font-family: Calibri, sans-serif; color: rgb(31, 73, 125);"> </span></div><div><div style="margin: 0in 0in 0.0001pt; font-size: 12pt; font-family: 'Times New Roman', serif;"><span style="font-size: 11pt; font-family: Calibri, sans-serif; color: rgb(31, 73, 125);">Michael A. Winslow<o:p></o:p></span></div><div style="margin: 0in 0in 0.0001pt; font-size: 12pt; font-family: 'Times New Roman', serif;"><span style="font-size: 11pt; font-family: Calibri, sans-serif; color: rgb(31, 73, 125);">1204 Cleveland Ave.<o:p></o:p></span></div><div style="margin: 0in 0in 0.0001pt; font-size: 12pt; font-family: 'Times New Roman', serif;"><span style="font-size: 11pt; font-family: Calibri, sans-serif; color: rgb(31, 73, 125);">Mount Vernon, WA 98273<o:p></o:p></span></div><div style="margin: 0in 0in 0.0001pt; font-size: 12pt; font-family: 'Times New Roman', serif;"><span style="font-size: 11pt; font-family: Calibri, sans-serif; color: rgb(31, 73, 125);">Ph. 360-336-3321<o:p></o:p></span></div><div style="margin: 0in 0in 0.0001pt; font-size: 12pt; font-family: 'Times New Roman', serif;"><span style="font-size: 11pt; font-family: Calibri, sans-serif; color: rgb(31, 73, 125);">Em.<span class="Apple-converted-space"> </span><a href="mailto:Mike@winslegal.com" style="color: purple; text-decoration: underline;">Mike@winslegal.com</a><o:p></o:p></span></div><div style="margin: 0in 0in 0.0001pt; font-size: 12pt; font-family: 'Times New Roman', serif;"><span style="font-size: 11pt; font-family: Calibri, sans-serif; color: rgb(31, 73, 125);"> </span></div><div style="margin: 0in 0in 0.0001pt; font-size: 12pt; font-family: 'Times New Roman', serif;"><span style="font-size: 11pt; font-family: Calibri, sans-serif; color: rgb(31, 73, 125);">This message is from an attorney, so it’s confidential. If you are not the intended recipient, it’s too late to stop reading this message, but you may not use it for any improper purpose. Huge Disclaimer available upon request.<o:p></o:p></span></div></div><div style="margin: 0in 0in 0.0001pt; font-size: 12pt; font-family: 'Times New Roman', serif;"><span style="font-size: 11pt; font-family: Calibri, sans-serif; color: rgb(31, 73, 125);"> </span></div><div><div style="border-style: solid none none; border-top-color: rgb(181, 196, 223); border-top-width: 1pt; padding: 3pt 0in 0in;"><div style="margin: 0in 0in 0.0001pt; font-size: 12pt; font-family: 'Times New Roman', serif;"><b><span style="font-size: 10pt; font-family: Tahoma, sans-serif; color: windowtext;">From:</span></b><span style="font-size: 10pt; font-family: Tahoma, sans-serif; color: windowtext;"><span class="Apple-converted-space"> </span><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>]<span class="Apple-converted-space"> </span><b>On Behalf Of<span class="Apple-converted-space"> </span></b>Richard Wills<br><b>Sent:</b><span class="Apple-converted-space"> </span>Friday, March 13, 2015 1:02 PM<br><b>To:</b><span class="Apple-converted-space"> </span>WSBA Probate & Trust Listserv<br><b>Subject:</b><span class="Apple-converted-space"> </span>Re: [WSBAPT] Reverse mortgage, death of parent, lack of probate and practical advice!<o:p></o:p></span></div></div></div><div style="margin: 0in 0in 0.0001pt; font-size: 12pt; font-family: 'Times New Roman', serif;"><o:p> </o:p></div><p class="MsoNormal" style="margin: 0in 0in 12pt; font-size: 12pt; font-family: 'Times New Roman', serif;"><b>Assuming the condo is underwater & the estate as a whole is insolvent:<br>Don't open a probate.<br>Don't contact the mortgage lender.<br>Stay in the condo until the buyer at the foreclosure sale threatens to evict.<br><br>I've had numbers of these, & typically, foreclosure doesn't occur for at least a year after the D's death --- & often much longer (I've had some where it's truly been years). Meanwhile, at least in my experience, the tenant effectively has rent-free use of the property. The downside to this is that if they continue to use the property, they're liable for it, eg, for waste etc. Therefore, it's often a good idea to retain insurance on the property --- for example, if the property (eg, a home) burns up, is vandalized, etc., the insurance should protect the tenant from any claim for damages.</b><span><br><br><o:p></o:p></span></p><div><div style="margin: 0in 0in 0.0001pt; font-size: 12pt; font-family: 'Times New Roman', serif;"><span>On 3/13/2015 11:59 AM, Sarah Jael Dion wrote:<o:p></o:p></span></div></div><blockquote style="margin-top: 5pt; margin-bottom: 5pt;"><div><div style="margin: 0in 0in 0.0001pt; font-size: 12pt; font-family: 'Times New Roman', serif;"><span>Hello listmates!<o:p></o:p></span></div></div><div><div style="margin: 0in 0in 0.0001pt; font-size: 12pt; font-family: 'Times New Roman', serif;"><span> </span></div></div><div><div style="margin: 0in 0in 0.0001pt; font-size: 12pt; font-family: 'Times New Roman', serif;"><span>I am debating how to advise a client in the following situation, and would be appreciative of thoughts/ideas from anyone with knowledge to share!<o:p></o:p></span></div></div><div><div style="margin: 0in 0in 0.0001pt; font-size: 12pt; font-family: 'Times New Roman', serif;"><span> </span></div></div><div><div style="margin: 0in 0in 0.0001pt; font-size: 12pt; font-family: 'Times New Roman', serif;"><span>Client’s mother died at the end of 2014. Client recently hired me to assist her. Client has not opened probate. Client is a very nice woman, but is rather delicate in nature and is easily overwhelmed.<o:p></o:p></span></div></div><div><div style="margin: 0in 0in 0.0001pt; font-size: 12pt; font-family: 'Times New Roman', serif;"><span> </span></div></div><div><div style="margin: 0in 0in 0.0001pt; font-size: 12pt; font-family: 'Times New Roman', serif;"><span>Client’s mother owned a condo where she lived with client, and where the client still resides. The mother took out a reverse mortgage, which became due upon her death. Client would like to buy the property back from the reverse mortgage company, but for a variety of reasons, has realized she will not be able to do so. The only asset in the mothers estate is the condo and it appears that the reverse mortgage is for more than the condo is worth. The reverse mortgage company will not communicate with me or my client because we do not have letters testamentary from the probate court.<o:p></o:p></span></div></div><div><div style="margin: 0in 0in 0.0001pt; font-size: 12pt; font-family: 'Times New Roman', serif;"><span> </span></div></div><div><div style="margin: 0in 0in 0.0001pt; font-size: 12pt; font-family: 'Times New Roman', serif;"><span>The estate is insolvent, which means that opening probate would be especially $$ and would only benefit the reverse mortgage co. My client ideally would like a little more time to remain in the condo, but I don’t want her to run afoul of anything.I am thinking of advising her to (1) call the reverse mortgage company and tell them that they should go ahead and foreclose, and (2) just walk away from the whole situation without opening probate. Does anyone see a problem with that? If we go that route, may she just remain in the condo for a few months as the bank does what it needs to do, or must she evacuate ASAP?<o:p></o:p></span></div></div><div><div style="margin: 0in 0in 0.0001pt; font-size: 12pt; font-family: 'Times New Roman', serif;"><span> </span></div></div><div><div style="margin: 0in 0in 0.0001pt; font-size: 12pt; font-family: 'Times New Roman', serif;"><span>Are there other suggestions for action my client could take? <o:p></o:p></span></div></div><div><div style="margin: 0in 0in 0.0001pt; font-size: 12pt; font-family: 'Times New Roman', serif;"><span> </span></div></div><div><div style="margin: 0in 0in 0.0001pt; font-size: 12pt; font-family: 'Times New Roman', serif;"><span>Thanks in advance for any ideas!<o:p></o:p></span></div></div><div><div style="margin: 0in 0in 0.0001pt; font-size: 12pt; font-family: 'Times New Roman', serif;"><span> </span></div></div><div><div><div style="margin: 0in 0in 0.0001pt; font-size: 12pt; font-family: 'Times New Roman', serif;"><span style="font-size: 9pt; font-family: Helvetica, sans-serif;">Sarah Jael Dion<o:p></o:p></span></div></div><div><div style="margin: 0in 0in 0.0001pt; font-size: 12pt; font-family: 'Times New Roman', serif;"><span style="font-size: 9pt; font-family: Helvetica, sans-serif;"> </span></div></div><div><div style="margin: 0in 0in 0.0001pt; font-size: 12pt; font-family: 'Times New Roman', serif;"><span style="font-size: 9pt; font-family: Helvetica, sans-serif;">Dion Law PLLC<span class="apple-tab-span"></span><o:p></o:p></span></div></div><div><div><div><div style="margin: 0in 0in 0.0001pt; font-size: 12pt; font-family: 'Times New Roman', serif;"><span style="font-size: 9pt; font-family: Helvetica, sans-serif;">206-550-4005<o:p></o:p></span></div></div><div><div style="margin: 0in 0in 0.0001pt; font-size: 12pt; font-family: 'Times New Roman', serif;"><span style="font-size: 9pt; font-family: Helvetica, sans-serif;"><a href="mailto:sarah@dionlaw.com" style="color: purple; text-decoration: underline;">sarah@dionlaw.com</a><o:p></o:p></span></div></div><div><div style="margin: 0in 0in 0.0001pt; font-size: 12pt; font-family: 'Times New Roman', serif;"><span style="font-size: 9pt; font-family: Helvetica, sans-serif;"><a href="http://dionlaw.com/" style="color: purple; text-decoration: underline;">dionlaw.com</a><o:p></o:p></span></div></div><div><div style="margin: 0in 0in 0.0001pt; font-size: 12pt; font-family: 'Times New Roman', serif;"><span style="font-size: 9pt; font-family: Helvetica, sans-serif;"> </span></div></div><div><div style="margin: 0in 0in 0.0001pt; font-size: 12pt; font-family: 'Times New Roman', serif;"><span style="font-size: 9pt; font-family: Helvetica, sans-serif;">This message is private or privileged. If you are not the person for whom this message is intended, please notify me immediately and delete the message. Please do not copy or send this message to anyone else. <o:p></o:p></span></div></div><div><div style="margin: 0in 0in 0.0001pt; font-size: 12pt; font-family: 'Times New Roman', serif;"><span style="font-size: 9pt; font-family: Helvetica, sans-serif;"> </span></div></div></div><div style="margin: 0in 0in 0.0001pt; font-size: 12pt; font-family: 'Times New Roman', serif;"><span style="font-size: 9pt; font-family: Helvetica, sans-serif;"> </span></div></div><p class="MsoNormal" style="margin: 0in 0in 12pt; font-size: 12pt; font-family: 'Times New Roman', serif;"><span> </span></p></div><div style="margin: 0in 0in 0.0001pt; font-size: 12pt; font-family: 'Times New Roman', serif;"><span><br><br><br><br><o:p></o:p></span></div><pre style="margin: 0in 0in 0.0001pt; font-size: 10pt; font-family: 'Courier New';">_______________________________________________<o:p></o:p></pre><pre style="margin: 0in 0in 0.0001pt; font-size: 10pt; font-family: 'Courier New';">WSBAPT mailing list<o:p></o:p></pre><pre style="margin: 0in 0in 0.0001pt; font-size: 10pt; font-family: 'Courier New';"><a href="mailto:WSBAPT@lists.wsbarppt.com" style="color: purple; text-decoration: underline;">WSBAPT@lists.wsbarppt.com</a><o:p></o:p></pre><pre style="margin: 0in 0in 0.0001pt; font-size: 10pt; font-family: 'Courier New';"><a href="http://mailman.fsr.com/mailman/listinfo/wsbapt" style="color: purple; text-decoration: underline;">http://mailman.fsr.com/mailman/listinfo/wsbapt</a><o:p></o:p></pre></blockquote><div style="margin: 0in 0in 0.0001pt; font-size: 12pt; font-family: 'Times New Roman', serif;"><span> </span></div></div>_______________________________________________<br>WSBAPT mailing list<br><a href="mailto:WSBAPT@lists.wsbarppt.com">WSBAPT@lists.wsbarppt.com</a><br>http://mailman.fsr.com/mailman/listinfo/wsbapt</div></blockquote></div><br></div></body></html>