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Dear Jim, you are correct. Yours truly, Doug Owens<br class="">
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<div class="">On Mar 1, 2018, at 9:12 AM, Jim Doran <<a href="mailto:jim@doranlegal.com" class="">jim@doranlegal.com</a>> wrote:</div>
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<div dir="ltr" class=""><font size="4" class="">Well that's an idea.</font>
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<div class=""><font size="4" class="">But back to the initial question. If the client wants to keep the property that he got at the Sheriff's Sale, does he have to buy the property at the Trustee's Sale or work out a deal with CitiMortgage? In other words,
if he doesn't do either of those, he will lose the property in the Trustee's Sale, right? CitiMortgage's DOT and Note are superior to his sheriff's deed, correct?</font></div>
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<div class=""><font size="4" class="">Jim Doran</font></div>
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<div class="">James R. Doran<br class="">
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Attorney at Law<br class="">
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100 E. Pine Street - Suite 205<br class="">
</div>
Bellingham, WA 98225<br class="">
(360)393-9506<br class="">
</div>
<a href="mailto:jim@doranlegal.com" target="_blank" class="">jim@doranlegal.com</a><br class="">
</div>
<a href="http://www.doranlegal.com/" target="_blank" class="">www.doranlegal.com</a><br class="">
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<br class="">
<div class="gmail_quote">On Thu, Mar 1, 2018 at 6:04 AM, <span dir="ltr" class="">
<<a href="mailto:nestor@pplsweb.com" target="_blank" class="">nestor@pplsweb.com</a>></span> wrote:<br class="">
<blockquote class="gmail_quote" style="margin:0 0 0 .8ex;border-left:1px #ccc solid;padding-left:1ex">
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<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 class=""></u><u class=""></u></p>
<p class="MsoNormal"><u class=""></u> <u class=""></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 class=""></u><u class=""></u></p>
<p class="MsoNormal"><u class=""></u> <u class=""></u></p>
<p class="MsoNormal"><span style="" class="">Nestor Gorfinkel, Attorney at Law<u class=""></u><u class=""></u></span></p>
<p class="MsoNormal"><span style="" class="">Licensed in Washington & Florida<u class=""></u><u class=""></u></span></p>
<p class="MsoNormal"><span style="" class="">Florida Civil-Law (International) Notary<u class=""></u><u class=""></u></span></p>
<p class="MsoNormal"><span style="" class=""><u class=""></u> <u class=""></u></span></p>
<p class="MsoNormal"><b class=""><span style="font-size: 10pt;" class="">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
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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 class=""></u><u class=""></u></span></b></p>
<p class="MsoNormal"><b class=""><span style="font-size: 10pt;" class=""><u class=""></u> <u class=""></u></span></b></p>
<p class="MsoNormal"><b class=""><span style="font-size:24.0pt;font-family:Webdings;color:#009900" class="">P</span></b><b class=""><span style="font-size:24.0pt;color:#009900" class="">
</span></b><b class=""><span style="font-size:9.0pt;font-family:"Verdana",sans-serif;color:#009900" class="">Please consider the environment before printing this e-mail.</span></b><span style="font-family: "Century Schoolbook", serif;" class=""><u class=""></u><u class=""></u></span></p>
<p class="MsoNormal"><u class=""></u> <u class=""></u></p>
<p class="MsoNormal"><b class="">From:</b> <a href="mailto:wsbapt-bounces@lists.wsbarppt.com" target="_blank" class="">
wsbapt-bounces@lists.wsbarppt.<wbr class="">com</a> <<a href="mailto:wsbapt-bounces@lists.wsbarppt.com" target="_blank" class="">wsbapt-bounces@lists.<wbr class="">wsbarppt.com</a>>
<b class="">On Behalf Of </b>Jim Doran<br class="">
<b class="">Sent:</b> Wednesday, February 28, 2018 8:48 PM<br class="">
<b class="">To:</b> WSBA Probate & Trust Listserv <<a href="mailto:wsbapt@lists.wsbarppt.com" target="_blank" class="">wsbapt@lists.wsbarppt.com</a>><br class="">
<b class="">Subject:</b> Re: [WSBAPT] Sheriff's Deed<u class=""></u><u class=""></u></p>
<p class="MsoNormal"><u class=""></u> <u class=""></u></p>
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<p class="MsoNormal">I get it.<u class=""></u><u class=""></u></p>
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<p class="MsoNormal">James R. Doran<u class=""></u><u class=""></u></p>
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<p class="MsoNormal">Attorney at Law<u class=""></u><u class=""></u></p>
</div>
<p class="MsoNormal">100 E. Pine Street - Suite 205<u class=""></u><u class=""></u></p>
</div>
<p class="MsoNormal">Bellingham, WA 98225<br class="">
<a href="tel:(360)%20393-9506" value="+13603939506" target="_blank" class="">(360)393-9506</a><u class=""></u><u class=""></u></p>
</div>
<p class="MsoNormal"><a href="mailto:jim@doranlegal.com" target="_blank" class="">jim@doranlegal.com</a><u class=""></u><u class=""></u></p>
</div>
<p class="MsoNormal"><a href="http://www.doranlegal.com/" target="_blank" class="">www.doranlegal.com</a><u class=""></u><u class=""></u></p>
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<p class="MsoNormal"><u class=""></u> <u class=""></u></p>
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<p class="MsoNormal">On Wed, Feb 28, 2018 at 8:28 PM, <<a href="mailto:nestor@pplsweb.com" target="_blank" class="">nestor@pplsweb.com</a>> wrote:<u class=""></u><u class=""></u></p>
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<p class="MsoNormal">How can it be “adverse” since he is the record owner? <u class="">
</u><u class=""></u></p>
<p class="MsoNormal"> <u class=""></u><u class=""></u></p>
<p class="MsoNormal"><span style="" class="">Nestor Gorfinkel, Attorney at Law</span><u class=""></u><u class=""></u></p>
<p class="MsoNormal"><span style="" class="">Licensed in Washington & Florida</span><u class=""></u><u class=""></u></p>
<p class="MsoNormal"><span style="" class="">Florida Civil-Law (International) Notary</span><u class=""></u><u class=""></u></p>
<p class="MsoNormal"><span style="" class=""> </span><u class=""></u><u class=""></u></p>
<p class="MsoNormal"><b class=""><span style="font-size: 10pt;" class="">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 class=""></u><u class=""></u></p>
<p class="MsoNormal"><b class=""><span style="font-size: 10pt;" class=""> </span></b><u class=""></u><u class=""></u></p>
<p class="MsoNormal"><b class=""><span style="font-size:24.0pt;font-family:Webdings;color:#009900" class="">P</span></b><b class=""><span style="font-size:24.0pt;color:#009900" class="">
</span></b><b class=""><span style="font-size:9.0pt;font-family:"Verdana",sans-serif;color:#009900" class="">Please consider the environment before printing this e-mail.</span></b><u class=""></u><u class=""></u></p>
<p class="MsoNormal"> <u class=""></u><u class=""></u></p>
<p class="MsoNormal"><b class="">From:</b> <a href="mailto:wsbapt-bounces@lists.wsbarppt.com" target="_blank" class="">
wsbapt-bounces@lists.wsbarppt.<wbr class="">com</a> <<a href="mailto:wsbapt-bounces@lists.wsbarppt.com" target="_blank" class="">wsbapt-bounces@lists.<wbr class="">wsbarppt.com</a>>
<b class="">On Behalf Of </b>Jim Doran<br class="">
<b class="">Sent:</b> Wednesday, February 28, 2018 4:44 PM<br class="">
<b class="">To:</b> WSBA Probate & Trust Listserv <<a href="mailto:wsbapt@lists.wsbarppt.com" target="_blank" class="">wsbapt@lists.wsbarppt.com</a>><br class="">
<b class="">Subject:</b> Re: [WSBAPT] Sheriff's Deed<u class=""></u><u class=""></u></p>
<p class="MsoNormal"> <u class=""></u><u class=""></u></p>
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<p class="MsoNormal"><span style="font-size:13.5pt" class="">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 class=""></u><u class=""></u></p>
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<p class="MsoNormal"><span style="font-size:13.5pt" class="">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 class=""></u><u class=""></u></p>
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<p class="MsoNormal"><span style="font-size:13.5pt" class="">Any thoughts?</span><u class=""></u><u class=""></u></p>
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<p class="MsoNormal"><span style="font-size:13.5pt" class="">Jim</span><u class=""></u><u class=""></u></p>
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<p class="MsoNormal">James R. Doran<u class=""></u><u class=""></u></p>
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<p class="MsoNormal">Attorney at Law<u class=""></u><u class=""></u></p>
</div>
<p class="MsoNormal">100 E. Pine Street - Suite 205<u class=""></u><u class=""></u></p>
</div>
<p class="MsoNormal">Bellingham, WA 98225<br class="">
<a href="tel:(360)%20393-9506" target="_blank" class="">(360)393-9506</a><u class=""></u><u class=""></u></p>
</div>
<p class="MsoNormal"><a href="mailto:jim@doranlegal.com" target="_blank" class="">jim@doranlegal.com</a><u class=""></u><u class=""></u></p>
</div>
<p class="MsoNormal"><a href="http://www.doranlegal.com/" target="_blank" class="">www.doranlegal.com</a><u class=""></u><u class=""></u></p>
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<p class="MsoNormal"> <u class=""></u><u class=""></u></p>
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<p class="MsoNormal">On Wed, Feb 28, 2018 at 2:42 PM, Doug Owens <<a href="mailto:dougowens@seattlerelawyer.com" target="_blank" class="">dougowens@seattlerelawyer.com</a><wbr class="">> wrote:<u class=""></u><u class=""></u></p>
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<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 class=""></u><u class=""></u></p>
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<p class="MsoNormal">On Feb 28, 2018, at 12:08 PM, Jim Doran <<a href="mailto:jim@doranlegal.com" target="_blank" class="">jim@doranlegal.com</a>> wrote:<u class=""></u><u class=""></u></p>
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<p class="MsoNormal"> <u class=""></u><u class=""></u></p>
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<p class="MsoNormal"><span style="font-size:13.5pt" class="">Hello Listies:</span>
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<p class="MsoNormal"><span style="font-size:13.5pt" class="">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 class=""></u><u class=""></u></p>
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<p class="MsoNormal"><span style="font-size:13.5pt" class="">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 class=""></u><u class=""></u></p>
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<p class="MsoNormal"><span style="font-size:13.5pt" class="">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 class=""></u><u class=""></u></p>
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<p class="MsoNormal"><span style="font-size:13.5pt" class="">If there is a good defense, we would file for a restraining order against the Trustee Sale.</span><u class=""></u><u class=""></u></p>
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<p class="MsoNormal"><span style="font-size:13.5pt" class="">Thank you in advance.</span><u class=""></u><u class=""></u></p>
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<p class="MsoNormal"> <u class=""></u><u class=""></u></p>
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<p class="MsoNormal"><span style="font-size:13.5pt" class="">James Doran</span><u class=""></u><u class=""></u></p>
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<p class="MsoNormal"><span style="font-size:13.5pt" class=""><br clear="all" class="">
</span><u class=""></u><u class=""></u></p>
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<p class="MsoNormal">James R. Doran<u class=""></u><u class=""></u></p>
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<p class="MsoNormal">Attorney at Law<u class=""></u><u class=""></u></p>
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<p class="MsoNormal">100 E. Pine Street - Suite 205<u class=""></u><u class=""></u></p>
</div>
<p class="MsoNormal">Bellingham, WA 98225<br class="">
<a href="tel:(360)%20393-9506" target="_blank" class="">(360)393-9506</a><u class=""></u><u class=""></u></p>
</div>
<p class="MsoNormal"><a href="mailto:jim@doranlegal.com" target="_blank" class="">jim@doranlegal.com</a><u class=""></u><u class=""></u></p>
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<p class="MsoNormal"><a href="http://www.doranlegal.com/" target="_blank" class="">www.doranlegal.com</a><u class=""></u><u class=""></u></p>
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