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<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>
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<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>
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<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""> wsbapt-bounces@lists.wsbarppt.com [mailto:wsbapt-bounces@lists.wsbarppt.com]
<b>On Behalf Of </b>Rebecca King<br>
<b>Sent:</b> Monday, January 22, 2018 10:02 AM<br>
<b>To:</b> wsbapt@lists.wsbarppt.com<br>
<b>Subject:</b> [WSBAPT] Denial of Secured Claim?<o:p></o:p></span></p>
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<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. Any unauthorized review, use, disclosure or distribution is prohibited. If you are not the intended recipient, please contact the sender by reply e-mail and destroy all copies of the original message.<o:p></o:p></span></p>
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