<div dir="ltr">I would hire someone to do that. Any suggestions?<div><br></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 Thu, Mar 1, 2018 at 10:48 AM, Eric Nelsen <span dir="ltr"><<a href="mailto:Eric@sayrelawoffices.com" target="_blank">Eric@sayrelawoffices.com</a>></span> wrote:<br><blockquote class="gmail_quote" style="margin:0 0 0 .8ex;border-left:1px #ccc solid;padding-left:1ex">
<div lang="EN-US" link="blue" vlink="purple">
<div class="m_252686725887594794WordSection1">
<p class="MsoNormal"><span style="color:#1f497d">I agree, and I'm just glad that I haven't had to labor over creating an Excel spreadsheet to actually do the calculations in a case (yet). Knock on wood.<u></u><u></u></span></p>
<p class="MsoNormal"><span style="color:#1f497d"><u></u> <u></u></span></p>
<div>
<p class="MsoNormal"><span style="font-size:12.0pt;color:#1f497d">Sincerely,<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;color:#1f497d"><u></u> <u></u></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;color:#1f497d">Eric<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;color:#1f497d"><u></u> <u></u></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;color:#1f497d">Eric C. Nelsen<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;color:#1f497d">SAYRE LAW OFFICES, PLLC<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;color:#1f497d">1417 31st Ave South<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;color:#1f497d">Seattle WA 98144-3909<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;color:#1f497d">phone <a href="tel:(206)%20625-0092" value="+12066250092" target="_blank">206-625-0092</a><u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;color:#1f497d">fax <a href="tel:(206)%20625-9040" value="+12066259040" target="_blank">206-625-9040</a><u></u><u></u></span></p>
</div>
<p class="MsoNormal"><span style="color:#1f497d"><u></u> <u></u></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" target="_blank">wsbapt-bounces@lists.wsbarppt.<wbr>com</a> [mailto:<a href="mailto:wsbapt-bounces@lists.wsbarppt.com" target="_blank">wsbapt-bounces@lists.<wbr>wsbarppt.com</a>]
<b>On Behalf Of </b><a href="mailto:nestor@pplsweb.com" target="_blank">nestor@pplsweb.com</a><br>
<b>Sent:</b> Thursday, March 01, 2018 10:35 AM<br>
<b>To:</b> 'WSBA Probate & Trust Listserv'<br>
<b>Subject:</b> Re: [WSBAPT] Sheriff's Deed<u></u><u></u></span></p>
</div>
</div>
<p class="MsoNormal"><u></u> <u></u></p>
<p class="MsoNormal">Eric, I was thinking along the same line that the note will dictate and based upon the nature of the payment due under what should be barred.<u></u><u></u></p>
<p class="MsoNormal"><u></u> <u></u></p>
<p class="MsoNormal">My guess is that it is probably a standard FNMA note if it’s residential property, and I would argue that the P & I that was due prior to the limitations period are barred.<u></u><u></u></p>
<p class="MsoNormal"><u></u> <u></u></p>
<p class="MsoNormal">Jim, let us know how its’ resolved. <u></u><u></u></p>
<p class="MsoNormal"><u></u> <u></u></p>
<div>
<p class="MsoNormal"><span style="color:black">Nestor Gorfinkel, Attorney at Law<u></u><u></u></span></p>
<p class="MsoNormal"><span style="color:black">Licensed in Washington & Florida<u></u><u></u></span></p>
<p class="MsoNormal"><span style="color:black">Florida Civil-Law (International) Notary<u></u><u></u></span></p>
<p class="MsoNormal"><span style="color:black"><u></u> <u></u></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. If you have received this e-mail in error, please notify us immediately by return e-mail or by telephone at the phone numbers provided herein and delete
this message. 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.<u></u><u></u></span></b></p>
<p class="MsoNormal"><b><span style="font-size:10.0pt;color:black"><u></u> <u></u></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";color:black"><u></u><u></u></span></p>
</div>
<p class="MsoNormal"><u></u> <u></u></p>
<div>
<div style="border:none;border-top:solid #e1e1e1 1.0pt;padding:3.0pt 0in 0in 0in">
<p class="MsoNormal"><b>From:</b> <a href="mailto:wsbapt-bounces@lists.wsbarppt.com" target="_blank">
wsbapt-bounces@lists.wsbarppt.<wbr>com</a> <<a href="mailto:wsbapt-bounces@lists.wsbarppt.com" target="_blank">wsbapt-bounces@lists.<wbr>wsbarppt.com</a>>
<b>On Behalf Of </b>Eric Nelsen<br>
<b>Sent:</b> Thursday, March 1, 2018 9:52 AM<br>
<b>To:</b> WSBA Probate & Trust Listserv <<a href="mailto:wsbapt@lists.wsbarppt.com" target="_blank">wsbapt@lists.wsbarppt.com</a>><br>
<b>Subject:</b> Re: [WSBAPT] Sheriff's Deed<u></u><u></u></p>
</div>
</div>
<p class="MsoNormal"><u></u> <u></u></p>
<p class="MsoNormal"><span style="color:#1f497d">Nestor--I'll jump in here just to note that I have the same question you do: how to calculate what is barred and what isn't. I have yet to actually have to argue for something in court because my cases have always
settled for an agreed amount.<u></u><u></u></span></p>
<p class="MsoNormal"><span style="color:#1f497d"><u></u> <u></u></span></p>
<p class="MsoNormal"><span style="color:#1f497d">For what it's worth, I think the terms of the Note dictate what is barred and what isn't, based on the amortization schedule for the payments. So if it's an interest-only installment payment, only interest is
barred. If the principal is amortized, then I think you calculate what total of principal should have been paid prior to the bar date based on the mandatory minimum payment amounts, and bar that portion of the principal in addition to all interest prior to
the bar date.<u></u><u></u></span></p>
<p class="MsoNormal"><span style="color:#1f497d"><u></u> <u></u></span></p>
<p class="MsoNormal"><span style="color:#1f497d">It gets trickier if some payments were made, because I think you'd have to adjust the actual principal balance based on actual payments, which will alter the allocation of interest and principal that would have
been applied for the missed payments. So you can't just run a simple amortization calculator online; it requires something more customized.<u></u><u></u></span></p>
<p class="MsoNormal"><span style="color:#1f497d"><u></u> <u></u></span></p>
<p class="MsoNormal"><span style="color:#1f497d">And it gets even trickier if interest was compounding in the Note. Fortunately I haven't seen one of those yet.<u></u><u></u></span></p>
<p class="MsoNormal"><span style="color:#1f497d"><u></u> <u></u></span></p>
<div>
<p class="MsoNormal"><span style="font-size:12.0pt;color:#1f497d">Sincerely,<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;color:#1f497d"><u></u> <u></u></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;color:#1f497d">Eric<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;color:#1f497d"><u></u> <u></u></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;color:#1f497d">Eric C. Nelsen<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;color:#1f497d">SAYRE LAW OFFICES, PLLC<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;color:#1f497d">1417 31st Ave South<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;color:#1f497d">Seattle WA 98144-3909<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;color:#1f497d">phone <a href="tel:(206)%20625-0092" value="+12066250092" target="_blank">206-625-0092</a><u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;color:#1f497d">fax <a href="tel:(206)%20625-9040" value="+12066259040" target="_blank">206-625-9040</a><u></u><u></u></span></p>
</div>
<p class="MsoNormal"><span style="color:#1f497d"><u></u> <u></u></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" target="_blank">wsbapt-bounces@lists.wsbarppt.<wbr>com</a> [<a href="mailto:wsbapt-bounces@lists.wsbarppt.com" target="_blank">mailto:wsbapt-bounces@lists.<wbr>wsbarppt.com</a>]
<b>On Behalf Of </b><a href="mailto:nestor@pplsweb.com" target="_blank">nestor@pplsweb.com</a><br>
<b>Sent:</b> Thursday, March 01, 2018 6:05 AM<br>
<b>To:</b> 'WSBA Probate & Trust Listserv'<br>
<b>Subject:</b> Re: [WSBAPT] Sheriff's Deed<u></u><u></u></span></p>
</div>
</div>
<p class="MsoNormal"><u></u> <u></u></p>
<p class="MsoNormal">I wish I had something more for you. However, the question is (and my apologies for not having an answer) how are the payments time barred? Do you run an amortization schedule and cut off interest and principal going back the S/L period?<u></u><u></u></p>
<p class="MsoNormal"><u></u> <u></u></p>
<p class="MsoNormal">Your best bet may be to file a declaratory action under RCW 7.24 to determine how much your client would have to pay the bank.<u></u><u></u></p>
<p class="MsoNormal"><u></u> <u></u></p>
<p class="MsoNormal"><span style="color:black">Nestor Gorfinkel, Attorney at Law<u></u><u></u></span></p>
<p class="MsoNormal"><span style="color:black">Licensed in Washington & Florida<u></u><u></u></span></p>
<p class="MsoNormal"><span style="color:black">Florida Civil-Law (International) Notary<u></u><u></u></span></p>
<p class="MsoNormal"><span style="color:black"><u></u> <u></u></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. If you have received this e-mail in error, please notify us immediately by return e-mail or by telephone at the phone numbers provided herein and delete
this message. 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.<u></u><u></u></span></b></p>
<p class="MsoNormal"><b><span style="font-size:10.0pt;color:black"><u></u> <u></u></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";color:black"><u></u><u></u></span></p>
<p class="MsoNormal"><u></u> <u></u></p>
<p class="MsoNormal"><b>From:</b> <a href="mailto:wsbapt-bounces@lists.wsbarppt.com" target="_blank">
wsbapt-bounces@lists.wsbarppt.<wbr>com</a> <<a href="mailto:wsbapt-bounces@lists.wsbarppt.com" target="_blank">wsbapt-bounces@lists.<wbr>wsbarppt.com</a>>
<b>On Behalf Of </b>Jim Doran<br>
<b>Sent:</b> Wednesday, February 28, 2018 8:48 PM<br>
<b>To:</b> WSBA Probate & Trust Listserv <<a href="mailto:wsbapt@lists.wsbarppt.com" target="_blank">wsbapt@lists.wsbarppt.com</a>><br>
<b>Subject:</b> Re: [WSBAPT] Sheriff's Deed<u></u><u></u></p>
<p class="MsoNormal"><u></u> <u></u></p>
<div>
<p class="MsoNormal">I get it.<u></u><u></u></p>
</div>
<div>
<p class="MsoNormal"><br clear="all">
<u></u><u></u></p>
<div>
<div>
<div>
<div>
<div>
<div>
<div>
<div>
<p class="MsoNormal">James R. Doran<u></u><u></u></p>
</div>
<p class="MsoNormal">Attorney at Law<u></u><u></u></p>
</div>
<p class="MsoNormal">100 E. Pine Street - Suite 205<u></u><u></u></p>
</div>
<p class="MsoNormal">Bellingham, WA 98225<br>
<a href="tel:(360)%20393-9506" value="+13603939506" target="_blank">(360)393-9506</a><u></u><u></u></p>
</div>
<p class="MsoNormal"><a href="mailto:jim@doranlegal.com" target="_blank">jim@doranlegal.com</a><u></u><u></u></p>
</div>
<p class="MsoNormal"><a href="http://www.doranlegal.com" target="_blank">www.doranlegal.com</a><u></u><u></u></p>
</div>
</div>
</div>
<p class="MsoNormal"><u></u> <u></u></p>
<div>
<p class="MsoNormal">On Wed, Feb 28, 2018 at 8:28 PM, <<a href="mailto:nestor@pplsweb.com" target="_blank">nestor@pplsweb.com</a>> wrote:<u></u><u></u></p>
<blockquote style="border:none;border-left:solid #cccccc 1.0pt;padding:0in 0in 0in 6.0pt;margin-left:4.8pt;margin-top:5.0pt;margin-right:0in;margin-bottom:5.0pt">
<div>
<div>
<p class="MsoNormal">How can it be “adverse” since he is the record owner?
<u></u><u></u></p>
<p class="MsoNormal"> <u></u><u></u></p>
<p class="MsoNormal"><span style="color:black">Nestor Gorfinkel, Attorney at Law</span><u></u><u></u></p>
<p class="MsoNormal"><span style="color:black">Licensed in Washington & Florida</span><u></u><u></u></p>
<p class="MsoNormal"><span style="color:black">Florida Civil-Law (International) Notary</span><u></u><u></u></p>
<p class="MsoNormal"><span style="color:black"> </span><u></u><u></u></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. If you have received this e-mail in error, please notify us immediately by return e-mail or by telephone
at the phone numbers provided herein and delete this message. 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.</span></b><u></u><u></u></p>
<p class="MsoNormal"><b><span style="font-size:10.0pt;color:black"> </span></b><u></u><u></u></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><u></u><u></u></p>
<p class="MsoNormal"> <u></u><u></u></p>
<p class="MsoNormal"><b>From:</b>
<a href="mailto:wsbapt-bounces@lists.wsbarppt.com" target="_blank">wsbapt-bounces@lists.wsbarppt.<wbr>com</a> <<a href="mailto:wsbapt-bounces@lists.wsbarppt.com" target="_blank">wsbapt-bounces@lists.<wbr>wsbarppt.com</a>>
<b>On Behalf Of </b>Jim Doran<br>
<b>Sent:</b> Wednesday, February 28, 2018 4:44 PM<br>
<b>To:</b> WSBA Probate & Trust Listserv <<a href="mailto:wsbapt@lists.wsbarppt.com" target="_blank">wsbapt@lists.wsbarppt.com</a>><br>
<b>Subject:</b> Re: [WSBAPT] Sheriff's Deed<u></u><u></u></p>
<p class="MsoNormal"> <u></u><u></u></p>
<div>
<p class="MsoNormal"><span style="font-size:13.5pt">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.</span><u></u><u></u></p>
<div>
<p class="MsoNormal"> <u></u><u></u></p>
</div>
<div>
<p class="MsoNormal"><span style="font-size:13.5pt">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. </span><u></u><u></u></p>
</div>
<div>
<p class="MsoNormal"> <u></u><u></u></p>
</div>
<div>
<p class="MsoNormal"><span style="font-size:13.5pt">Any thoughts?</span><u></u><u></u></p>
</div>
<div>
<p class="MsoNormal"> <u></u><u></u></p>
</div>
<div>
<p class="MsoNormal"><span style="font-size:13.5pt">Jim</span><u></u><u></u></p>
</div>
<div>
<p class="MsoNormal"> <u></u><u></u></p>
</div>
</div>
<div>
<p class="MsoNormal"><br clear="all">
<u></u><u></u></p>
<div>
<div>
<div>
<div>
<div>
<div>
<div>
<div>
<p class="MsoNormal">James R. Doran<u></u><u></u></p>
</div>
<p class="MsoNormal">Attorney at Law<u></u><u></u></p>
</div>
<p class="MsoNormal">100 E. Pine Street - Suite 205<u></u><u></u></p>
</div>
<p class="MsoNormal">Bellingham, WA 98225<br>
<a href="tel:(360)%20393-9506" target="_blank">(360)393-9506</a><u></u><u></u></p>
</div>
<p class="MsoNormal"><a href="mailto:jim@doranlegal.com" target="_blank">jim@doranlegal.com</a><u></u><u></u></p>
</div>
<p class="MsoNormal"><a href="http://www.doranlegal.com" target="_blank">www.doranlegal.com</a><u></u><u></u></p>
</div>
</div>
</div>
<p class="MsoNormal"> <u></u><u></u></p>
<div>
<p class="MsoNormal">On Wed, Feb 28, 2018 at 2:42 PM, Doug Owens <<a href="mailto:dougowens@seattlerelawyer.com" target="_blank">dougowens@seattlerelawyer.com</a><wbr>> wrote:<u></u><u></u></p>
<blockquote style="border:none;border-left:solid #cccccc 1.0pt;padding:0in 0in 0in 6.0pt;margin-left:4.8pt;margin-top:5.0pt;margin-right:0in;margin-bottom:5.0pt">
<div>
<p class="MsoNormal">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<u></u><u></u></p>
<div>
<p class="MsoNormal" style="margin-bottom:12.0pt"><u></u> <u></u></p>
<blockquote style="margin-top:5.0pt;margin-bottom:5.0pt">
<div>
<p class="MsoNormal">On Feb 28, 2018, at 12:08 PM, Jim Doran <<a href="mailto:jim@doranlegal.com" target="_blank">jim@doranlegal.com</a>> wrote:<u></u><u></u></p>
</div>
<p class="MsoNormal"> <u></u><u></u></p>
<div>
<div>
<p class="MsoNormal"><span style="font-size:13.5pt">Hello Listies:</span>
<u></u><u></u></p>
<div>
<p class="MsoNormal"> <u></u><u></u></p>
</div>
<div>
<p class="MsoNormal"><span style="font-size:13.5pt">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. </span>
<u></u><u></u></p>
<div>
<p class="MsoNormal"> <u></u><u></u></p>
</div>
<div>
<p class="MsoNormal"><span style="font-size:13.5pt">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.</span><u></u><u></u></p>
</div>
<div>
<p class="MsoNormal"> <u></u><u></u></p>
</div>
<div>
<p class="MsoNormal"><span style="font-size:13.5pt">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?</span><u></u><u></u></p>
</div>
<div>
<p class="MsoNormal"> <u></u><u></u></p>
</div>
<div>
<p class="MsoNormal"><span style="font-size:13.5pt">If there is a good defense, we would file for a restraining order against the Trustee Sale.</span><u></u><u></u></p>
</div>
<div>
<p class="MsoNormal"> <u></u><u></u></p>
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<p class="MsoNormal"><span style="font-size:13.5pt">Thank you in advance.</span><u></u><u></u></p>
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<p class="MsoNormal"> <u></u><u></u></p>
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<p class="MsoNormal"><span style="font-size:13.5pt">James Doran</span><u></u><u></u></p>
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<p class="MsoNormal">James R. Doran<u></u><u></u></p>
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<p class="MsoNormal">Attorney at Law<u></u><u></u></p>
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<p class="MsoNormal">100 E. Pine Street - Suite 205<u></u><u></u></p>
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<p class="MsoNormal">Bellingham, WA 98225<br>
<a href="tel:(360)%20393-9506" target="_blank">(360)393-9506</a><u></u><u></u></p>
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<p class="MsoNormal"><a href="mailto:jim@doranlegal.com" target="_blank">jim@doranlegal.com</a><u></u><u></u></p>
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<p class="MsoNormal"><a href="http://www.doranlegal.com/" target="_blank">www.doranlegal.com</a><u></u><u></u></p>
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