<div dir="ltr"><font size="4">Yes. Thank you. I am aware of this. If the note has not been accelerated it may be possible that at least some of the installments are time barred. Just a calculation headache.</font><div><font size="4"><br></font></div><div><font size="4">I am thinking about the adverse possession angle. Open, notorious, with a claim of right....etc. Paid taxes. More than ten years. He hasn't paid on the note and he has occupied the premises. That sounds like legal adversity. </font></div><div><font size="4"><br></font></div><div><font size="4">Any thoughts?</font></div><div><font size="4"><br></font></div><div><font size="4">Jim</font></div><div><font size="4"><br></font></div></div><div class="gmail_extra"><br clear="all"><div><div class="gmail_signature" data-smartmail="gmail_signature"><div dir="ltr"><div><div><div><div><div>James R. Doran<br></div>Attorney at Law<br></div>100 E. Pine Street - Suite 205<br></div>Bellingham, WA 98225<br>(360)393-9506<br></div><a href="mailto:jim@doranlegal.com" target="_blank">jim@doranlegal.com</a><br></div><a href="http://www.doranlegal.com" target="_blank">www.doranlegal.com</a><br></div></div></div>
<br><div class="gmail_quote">On Wed, Feb 28, 2018 at 2:42 PM, Doug Owens <span dir="ltr"><<a href="mailto:dougowens@seattlerelawyer.com" target="_blank">dougowens@seattlerelawyer.com</a>></span> wrote:<br><blockquote class="gmail_quote" style="margin:0 0 0 .8ex;border-left:1px #ccc solid;padding-left:1ex">
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Dear Jim, RCW 7.28.300 provides some relief but it is very fact dependent. If the loan was in default eight years ago, and especially if Citi accelerated the loan at that time, then this statute might help. Yours truly, Doug Owens<br>
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<div>On Feb 28, 2018, at 12:08 PM, Jim Doran <<a href="mailto:jim@doranlegal.com" target="_blank">jim@doranlegal.com</a>> wrote:</div>
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<div dir="ltr"><font size="4">Hello Listies:</font>
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<div><font size="4">A client purchased a property at the Sheriff's Sale for condo fees, etc. in 2007. My client tried many times to reach a deal with the underlying Deed of Trust and Note holder, CitiMortgage, but was never responded to.
That was nine and eight years ago. Two and a half years ago I tried to work out a deal with CitiMortgage that never came to any fruition. The lights are on but no one is home. The underlying Deed of Trust and Note holder, CitiMortgage, is now non-judicially
foreclosing on the underlying debt. </font>
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<div><font size="4">It is my understanding that the Sheriff's Deed is subordinate to the original Deed of Trust and Note. In order to protect his interest, my client needs to purchase the property at the Trustee's Sale, correct? Or make
a deal with CitiMortgage before the Trustee's Sale.</font></div>
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<div><font size="4">However, because my client diligently tried to resolve this many years ago he wants me to see if the statute of limitations, or any other defense, can strip the underlying debt held by CitiMortgage away from the property.
Does adverse possession work? Laches and estoppel and other equitable remedies my be useful. Any other ideas?</font></div>
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<div><font size="4">If there is a good defense, we would file for a restraining order against the Trustee Sale.</font></div>
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<div><font size="4">Thank you in advance.</font></div>
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<div><font size="4">James Doran</font></div>
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<div>James R. Doran<br>
</div>
Attorney at Law<br>
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100 E. Pine Street - Suite 205<br>
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Bellingham, WA 98225<br>
<a href="tel:(360)%20393-9506" value="+13603939506" target="_blank">(360)393-9506</a><br>
</div>
<a href="mailto:jim@doranlegal.com" target="_blank">jim@doranlegal.com</a><br>
</div>
<a href="http://www.doranlegal.com/" target="_blank">www.doranlegal.com</a><br>
</div>
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