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</o:shapelayout></xml><![endif]--></head><body lang=EN-US link=blue vlink=purple><div class=WordSection1><p class=MsoNormal>You would still need the HELOC lien (DT or Mortgage) released of record.<o:p></o:p></p><p class=MsoNormal><o:p> </o:p></p><div><p class=MsoNormal><span style='color:black'>Nestor Gorfinkel, Attorney at Law<o:p></o:p></span></p><p class=MsoNormal><span style='color:black'>Licensed in Washington & Florida<o:p></o:p></span></p><p class=MsoNormal><span style='color:black'>Florida Civil-Law (International) Notary<o:p></o:p></span></p><p class=MsoNormal><span style='color:black'><o:p> </o:p></span></p><p class=MsoNormal><b><span style='font-size:10.0pt;color:black'>ATTENTION - This e-mail message and any attachment to this e-mail message may contain confidential information that is legally privileged. If you are not the intended recipient, you must not review, retransmit, convert to hard copy, copy, use or disseminate this e-mail or any attachments to it. 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Please note that if this e-mail message contains a forwarded message or is a reply to a prior message, some or all of the contents of this message or any attachments may not have been produced by the sender.<o:p></o:p></span></b></p><p class=MsoNormal><b><span style='font-size:10.0pt;color:black'><o:p> </o:p></span></b></p><p class=MsoNormal><b><span style='font-size:24.0pt;font-family:Webdings;color:#009900'>P</span></b><b><span style='font-size:24.0pt;color:#009900'> </span></b><b><span style='font-size:9.0pt;font-family:"Verdana",sans-serif;color:#009900'>Please consider the environment before printing this e-mail.</span></b><span style='font-family:"Century Schoolbook",serif;color:black'><o:p></o:p></span></p></div><p class=MsoNormal><o:p> </o:p></p><div><div style='border:none;border-top:solid #E1E1E1 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal><b>From:</b> wsbapt-bounces@lists.wsbarppt.com [mailto:wsbapt-bounces@lists.wsbarppt.com] <b>On Behalf Of </b>Marcus Fry<br><b>Sent:</b> Monday, January 22, 2018 10:13 AM<br><b>To:</b> WSBA Probate & Trust Listserv <wsbapt@lists.wsbarppt.com><br><b>Subject:</b> Re: [WSBAPT] Denial of Secured Claim?<o:p></o:p></p></div></div><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal><span style='color:#1F497D'>RCW 11 specifically states that secured creditors don’t have to file claims. However, failure to file a claim will result in a creditor not being able to pursue a deficiency judgment against the estate. Thus, if improperly filed, you could reject, but I would hold off because it may cause confusion with the creditor and more expense to the estate in dealing with the confusion if there is sufficient equity in the property to pay the HELOC.<o:p></o:p></span></p><p class=MsoNormal><span style='color:#1F497D'><o:p> </o:p></span></p><div><p class=MsoNormal style='text-align:justify'><span style='font-size:10.0pt;font-family:"Arial",sans-serif;color:#1F497D'>Marcus J. Fry<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial",sans-serif;color:#1F497D'>Lyon, Weigand & Gustafson, P.S. <o:p></o:p></span></p><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial",sans-serif;color:#1F497D'>P.O. Box 1689 <br>Yakima, Washington 98907 <br>Telephone: (509) 248-7220 <br>Facsimile: (509) 575-1883 <o:p></o:p></span></p><p class=MsoNormal style='text-align:justify'><b><u><span style='font-size:10.0pt;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:10.0pt;font-family:"Arial",sans-serif;color:#1F497D'>NOTICES:<o:p></o:p></span></u></b></p><p class=MsoNormal style='text-align:justify'><b><span style='font-size:10.0pt;font-family:"Arial",sans-serif;color:#1F497D'>Confidentiality: </span></b><span style='font-size:10.0pt;font-family:"Arial",sans-serif;color:#1F497D'>This e-mail transmission may contain information which is protected by attorney-client, work product and/or other privileges. 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If you have received this transmission in error, please contact us immediately and return the e-mail to us by choosing Reply (or the corresponding function on your e-mail system) and then deleting the e-mail.<o:p></o:p></span></p></div><p class=MsoNormal><span style='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'>From:</span></b><span style='font-size:10.0pt;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>Rebecca King<br><b>Sent:</b> Monday, January 22, 2018 10:02 AM<br><b>To:</b> <a href="mailto:wsbapt@lists.wsbarppt.com">wsbapt@lists.wsbarppt.com</a><br><b>Subject:</b> [WSBAPT] Denial of Secured Claim?<o:p></o:p></span></p></div></div><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal>Hi Listmates,<o:p></o:p></p><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal>PR publishes Probate Notice to Creditors and provides actual notice to all creditors 30 days prior to the expiration of the 4 month creditor claim period. The bank that has the HELOC (approximately $5,000) on the primary residence sent a creditor claim to our office, but the claim was never filed. The HELOC is a secured debt. Since this is a secured creditor, I presume that, even if I deny creditor claim, there will still be issues with title when the property is sold. Has anyone had success denying a secured creditor claim that was not filed properly?<o:p></o:p></p><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal>Thanks in advance!<o:p></o:p></p><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal><span style='font-size:14.0pt;font-family:"Script MT Bold";color:black'>Rebecca King<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Book Antiqua",serif;color:black'>Attorney<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Book Antiqua",serif;color:black'><o:p> </o:p></span></p><p class=MsoNormal style='margin-bottom:6.0pt'><b><span style='font-size:12.0pt;font-family:"Book Antiqua",serif;color:black'>PLEASE NOTE: Our new address is 2150 N. 107<sup>th</sup> Street, Suite 501, Seattle, WA 98133<o:p></o:p></span></b></p><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Book Antiqua",serif;color:black'><o:p> </o:p></span></p><p class=MsoNormal><b><span style='color:black'>Northwest Elder Law Group<o:p></o:p></span></b></p><p class=MsoNormal><span style='color:black'>2150 N. 107<sup>th</sup> Street, Suite 501<o:p></o:p></span></p><p class=MsoNormal><span style='color:black'>Seattle, WA 98133<o:p></o:p></span></p><p class=MsoNormal><span style='color:black'>Main: (206) 937-6102<o:p></o:p></span></p><p class=MsoNormal><span style='color:black'>Direct: (206) 866-6544<o:p></o:p></span></p><p class=MsoNormal><span style='color:black'>Fax: (206) 830-9326<o:p></o:p></span></p><p class=MsoNormal><i><span style='font-family:"Book Antiqua",serif;color:black'><o:p> </o:p></span></i></p><p class=MsoNormal><i><span style='font-family:"Book Antiqua",serif;color:black'>Providing Services in Elder Law<o:p></o:p></span></i></p><p class=MsoNormal><span style='color:black'> <o:p></o:p></span></p><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Book Antiqua",serif;color:black'>CONFIDENTIALITY NOTICE: This e-mail message, including any attachments, is for the sole use of the intended recipient(s) and may contain confidential and privileged information protected by law. 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