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</o:shapelayout></xml><![endif]--></head><body lang=EN-US link=blue vlink=purple style='tab-interval:.5in'><div class=WordSection1><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";mso-bidi-font-family:"Times New Roman";color:#1F497D'>If you cannot find the financial institution or they will not cooperate (<span class=SpellE>jeewhiz</span>, we have no record of that loan, so we cannot <span class=SpellE>reconvey</span> the Deed of Trust-yep that’s what the lender said to one of my colleagues recently), then you do what the below statute says. I have the pleadings and have done this three or four times over the years. It’s a quiet title suit under the ejectment statute. It takes time to clear title because you have to publish, usually. Title companies usually require this to clear title, although I have a vague recollection of one insuring around the cloud with an indemnity agreement from the seller.<o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;mso-outline-level:4'><b><span style='mso-fareast-font-family:"Times New Roman"'>RCW 7.28.300<o:p></o:p></span></b></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;mso-outline-level:4'><b><span style='mso-fareast-font-family:"Times New Roman"'>Quieting title against outlawed mortgage or deed of trust.<o:p></o:p></span></b></p><p class=MsoNormal style='text-indent:.25in'><span style='mso-fareast-font-family:"Times New Roman"'>The record owner of real estate may maintain an action to quiet title against the lien of a mortgage or deed of trust on the real estate where an action to foreclose such mortgage or deed of trust would be barred by the statute of limitations, and, upon proof sufficient to satisfy the court, may have judgment quieting title against such a lien.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";mso-bidi-font-family:"Times New Roman";color:#1F497D'><o:p> </o:p></span></p><div><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:"Times New Roman";color:#1F497D;mso-no-proof:yes'>Michael A. Winslow<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:"Times New Roman";color:#1F497D;mso-no-proof:yes'>1204 Cleveland Ave.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:"Times New Roman";color:#1F497D;mso-no-proof:yes'>Mount Vernon, WA 98273<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:"Times New Roman";color:#1F497D;mso-no-proof:yes'>Ph. 360-336-3321<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:"Times New Roman";color:#1F497D;mso-no-proof:yes'>Em. Mike@winslegal.com<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:"Times New Roman";color:#1F497D;mso-no-proof:yes'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:"Times New Roman";color:#1F497D;mso-no-proof:yes'>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></p></div><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";mso-bidi-font-family:"Times New Roman";color:#1F497D'><o:p> </o:p></span></p><div><div style='border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif";mso-fareast-font-family:"Times New Roman"'>From:</span></b><span style='font-size:10.0pt;font-family:"Tahoma","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>Neli Espe, J.D. - Olympic Legal<br><b>Sent:</b> Tuesday, January 12, 2016 10:06 AM<br><b>To:</b> WSBA Probate & Trust Listserv<br><b>Subject:</b> [WSBAPT] Old deed of trust paid off - No reconveyance - RCW 61.24.110<o:p></o:p></span></p></div></div><p class=MsoNormal><o:p> </o:p></p><div><div><div><div><div><div><div><div><div><div><p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'>Dear Listmates,<o:p></o:p></span></p></div><div><p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'><o:p> </o:p></span></p></div><div><p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'>PC’s mortgage was paid off three decades ago. Apparently, no reconveyance was recorded. The financial institution might be out of business. PC now wants to sell property, but must deal with the cloud on title. <o:p></o:p></span></p></div><div><p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'><o:p> </o:p></span></p></div><div><p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'>Has anyone used successfully the 2013 law - RCW 61.24.110 - aimed at helping property owners in situations like these? Any pointers will be appreciated.<o:p></o:p></span></p></div><div><p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'><o:p> </o:p></span></p></div><div><p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'>Best regards,<o:p></o:p></span></p></div><div><p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'><o:p> </o:p></span></p></div><div><p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'>Neli<o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:9.0pt;mso-fareast-font-family:"Times New Roman"'><o:p> </o:p></span></p></div><div><p class=MsoNormal><span style='font-size:9.0pt;mso-fareast-font-family:"Times New Roman"'>__________________________________________________________________________<o:p></o:p></span></p></div><div><p class=MsoNormal><b><span style='font-size:9.0pt;mso-fareast-font-family:"Times New Roman";color:#B93423'>Neli Espe</span></b><span style='font-size:9.0pt;mso-fareast-font-family:"Times New Roman"'>|</span><span style='mso-fareast-font-family:"Times New Roman"'> </span><b><span style='font-size:9.0pt;mso-fareast-font-family:"Times New Roman";color:#B93423'>Olympic Legal Services, P.S. </span></b><span style='font-size:9.0pt;mso-fareast-font-family:"Times New Roman"'>|</span><span style='mso-fareast-font-family:"Times New Roman"'> </span><i><span style='font-size:9.0pt;mso-fareast-font-family:"Times New Roman";color:#B93423'>Your Skagit Valley Business and Estate Counsel </span></i><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p></div><div><p class=MsoNormal><b><span style='font-size:9.0pt;mso-fareast-font-family:"Times New Roman";color:#0A0201'>General Counsel * Real Property * Estate Planning * Probate</span></b><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:9.0pt;mso-fareast-font-family:"Times New Roman"'>tel: 360.630.3635 | web: <a href="http://www.olympiclegal.com">www.olympiclegal.com</a> | <a href="mailto:neli@olympiclegal.com">neli@olympiclegal.com</a><o:p></o:p></span></p></div></div><div><p class=MsoNormal><span style='font-size:9.0pt;mso-fareast-font-family:"Times New Roman"'><o:p> </o:p></span></p></div><div><p class=MsoNormal><span style='font-size:9.0pt;mso-fareast-font-family:"Times New Roman"'>Required e-mail disclaimer: <a href="http://bitly.com/1FUy3fg">http://bitly.com/1FUy3fg</a><o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:9.0pt;mso-fareast-font-family:"Times New Roman"'><o:p> </o:p></span></p></div><div><p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'><o:p> </o:p></span></p></div></div><p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'><o:p> </o:p></span></p></div><p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'><o:p> </o:p></span></p></div><p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'><o:p> </o:p></span></p></div><p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'><o:p> </o:p></span></p></div><p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'><o:p> </o:p></span></p></div><p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'><o:p> </o:p></span></p></div><p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'><o:p> </o:p></span></p></div><p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'><o:p> </o:p></span></p></div></body></html>