<html>
<head>
<meta http-equiv="Content-Type" content="text/html; charset=iso-8859-1">
<meta name="Generator" content="Microsoft Word 14 (filtered medium)">
<style><!--
/* Font Definitions */
@font-face
{font-family:Calibri;
panose-1:2 15 5 2 2 2 4 3 2 4;}
@font-face
{font-family:Tahoma;
panose-1:2 11 6 4 3 5 4 4 2 4;}
@font-face
{font-family:Garamond;
panose-1:2 2 4 4 3 3 1 1 8 3;}
/* Style Definitions */
p.MsoNormal, li.MsoNormal, div.MsoNormal
{margin:0in;
margin-bottom:.0001pt;
font-size:11.0pt;
font-family:"Calibri","sans-serif";}
a:link, span.MsoHyperlink
{mso-style-priority:99;
color:#0563C1;
text-decoration:underline;}
a:visited, span.MsoHyperlinkFollowed
{mso-style-priority:99;
color:#954F72;
text-decoration:underline;}
span.EmailStyle17
{mso-style-type:personal;
font-family:"Calibri","sans-serif";
color:windowtext;}
span.EmailStyle18
{mso-style-type:personal-reply;
font-family:"Calibri","sans-serif";
color:#1F497D;}
.MsoChpDefault
{mso-style-type:export-only;
font-size:10.0pt;}
@page WordSection1
{size:8.5in 11.0in;
margin:1.0in 1.0in 1.0in 1.0in;}
div.WordSection1
{page:WordSection1;}
--></style><!--[if gte mso 9]><xml>
<o:shapedefaults v:ext="edit" spidmax="1026" />
</xml><![endif]--><!--[if gte mso 9]><xml>
<o:shapelayout v:ext="edit">
<o:idmap v:ext="edit" data="1" />
</o:shapelayout></xml><![endif]-->
</head>
<body lang="EN-US" link="#0563C1" vlink="#954F72">
<div class="WordSection1">
<p class="MsoNormal"><span style="color:#1F497D">Not sure what you are looking at specifically, but in general: discharge of a debt in bankruptcy does not actually eliminate the debt; instead, it bars the plaintiff from pursuing the debt against the bankrupt
debtor.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D">The deed of trust on the property is still valid and can be foreclosed, for so long as the underlying debt has not passed the usual (RCW, non-bankruptcy-related) statute of limitations.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D">In other words, the actual Washington law statute of limitations on the debt is still used for purposes of determining whether or not a creditor can foreclose the deed of trust. NOTE: Bankruptcy can have an effect
on calculating the statute of limitations. I don't know enough to tell you whether it's a full tolling during pendency of the bankruptcy, or just a slight extension of time post-stay to file a complaint. The issue is mainly Sec. 108(c) of the bankruptcy code--see
the discussion at <a href="https://www.abi.org/abi-journal/section-108-toll-or-trap">
https://www.abi.org/abi-journal/section-108-toll-or-trap</a> re 108(c).<o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D">If the statute of limitations on a debt has passed, the deed of trust is a cloud on title and can be stripped with a quiet title action,
<a href="http://app.leg.wa.gov/RCW/default.aspx?cite=7.28.300">RCW 7.28.300</a>.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D">The question is, whether the S/L has passed. In addition to the effect of bankruptcy provisions described above, keep in mind the fact that S/L runs on installment debt as to each installment, not as to the whole,
unless the creditor declares a default and accelerates the debt. From an earlier posting on that issue:<o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D">S/L on an installment note is separate for each missed payment, unless the total amount is accelerated. Here's the authority quoted in an unpublished case, Kirsch v. Cranberry Financial LLC, 69959-8-I (Div. 1,
December 23, 2013): <o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D">Generally, actions based on written contracts must be commenced within six years after breach. RCW 4.16.040. The general rule for debts payable by installment provides, "A separate cause of action arises on each
installment, and the statute of limitations runs separately against each ...." 31 Richard A. Lord, Williston on Contracts § 79:17, at 338 (4th ed. 2004); see also 25 David K. Dewolf, Keller W. Allen & Darlene Barrier Caruso, Washington Practice: Contract Law
and Practice § 16:20, at 196 (2012-13 Supp.) ("Where a contract calls for payment of an obligation by installments, the statute of limitations begins to run for each installment at the time such payment is due"); Hassler v. Account Brokers of Larimer County.
Inc.. 274 P.3d 547, 553 (Colo. 2012) (same); Bay Area Laundry & Dry Cleaning Pension Trust Fund v. Ferbar Corp. of CaL 522 U.S. 192, 208-09, 118 S.Ct. 542, 139 L.Ed.2d 553 (1997) (same).[9] But if an obligation that is to be repaid in installments is accelerated—
either automatically by the terms of the agreement or by the election of the creditor pursuant to an optional acceleration clause—the entire remaining balance of the loan becomes due immediately and the statute of limitations is triggered for all installments
that had not previously become due. 31 Richard A. Lord, supra, § 79:17, at 338; § 79:18, at 347-50; 12 Am.Jur.2d, Bills & Notes § 581 (same); Bay Area, 522 U.S. at 208-09 (same). The statute of limitations commences upon maturity of a note. A.A.C. Corp. v.
Reed. 73 Wn.2d 612, 615, 440 P.2d 465 (1968). <o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D">FN 9 reads: <o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D">Kirsch contests this rule, arguing that Cranberry cites distinguishable family law cases for the proposition that the statute of limitations runs against each installment separately. Though some of Cranberry's
cited cases are family law cases, they describe a general proposition of contract law applying to all contracts in which installment payments are due. Further, some of those family law cases cite 82 A.L.R. 316 (1931), which addresses in general terms, "[w]hen
Statute of Limitations begins to run against an action to recover upon contract payable in installments" and describes the general rule: "The general rule in such a case is similar to the general rule herewith noted in the case of contract obligations, it
having been held that the Statute of Limitations begins to run from the expiration of the period fixed for the payment of each installment as it becomes due, for the part then payable." See Herzog v. Herzog, 23 Wn.2d 382, 388, 161 P.2d 142 (1945).<o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D"><o:p> </o:p></span></p>
<div>
<p class="MsoNormal"><span style="font-size:12.0pt;color:#1F497D">Sincerely,<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;color:#1F497D">Eric<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;color:#1F497D">Eric C. Nelsen<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;color:#1F497D">SAYRE LAW OFFICES, PLLC<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;color:#1F497D">1417 31st Ave South<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;color:#1F497D">Seattle WA 98144-3909<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;color:#1F497D">phone 206-625-0092<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;color:#1F497D">fax 206-625-9040<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""> wsbapt-bounces@lists.wsbarppt.com [mailto:wsbapt-bounces@lists.wsbarppt.com]
<b>On Behalf Of </b>Joyce S Schwensen<br>
<b>Sent:</b> Monday, April 16, 2018 1:24 PM<br>
<b>To:</b> wsbapt@lists.wsbarppt.com<br>
<b>Subject:</b> [WSBAPT] Statute of limitations<o:p></o:p></span></p>
</div>
</div>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">Anyone out there knowledgeable regarding the statute of limitations for demanding payment of a deed of trust where the underlying debt was discharged in bankruptcy?<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">Thanks, Joyce<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><b><span style="font-size:12.0pt;font-family:"Garamond","serif";color:navy">Law Office of Joyce S. Schwensen<o:p></o:p></span></b></p>
<p class="MsoNormal"><b><span style="font-size:12.0pt;font-family:"Garamond","serif";color:navy">Joyce S. Schwensen, PS<o:p></o:p></span></b></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Garamond","serif";color:navy">6814 Greenwood Ave. N.</span><span style="font-size:12.0pt;color:navy">
<br>
</span><span style="font-size:12.0pt;font-family:"Garamond","serif";color:navy">Seattle, WA 98103</span><span style="font-size:12.0pt;color:navy">
<br>
</span><span style="font-size:12.0pt;font-family:"Garamond","serif";color:navy">Tel: (206) 367-1065</span><span style="font-size:12.0pt;color:navy">
<br>
</span><span style="font-size:12.0pt;font-family:"Garamond","serif";color:navy">Fax: (206) 781-7014</span><span style="font-size:12.0pt;color:navy"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:navy"><a href="mailto:Joyce@Schwensenlaw.com"><span style="font-size:12.0pt;font-family:"Garamond","serif";color:navy">Joyce@Schwensenlaw.com</span></a></span><span style="font-size:12.0pt;font-family:"Garamond","serif";color:navy"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Garamond","serif";color:navy"><a href="http://www.schwensenlaw.com/"><span style="color:navy">www.SchwensenLaw.com</span></a></span><span style="font-size:12.0pt;font-family:"Garamond","serif";color:#002060"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Garamond","serif";color:navy"><o:p> </o:p></span></p>
<p class="MsoNormal"><b><i><span style="font-size:10.0pt;color:black">CONFIDENTIALITY NOTICE:
</span></i></b><i><span style="font-size:7.5pt;color:black"><br>
</span></i><span style="font-size:8.0pt;color:black">This communication (including any attachments) is confidential and may contain legally privileged information. If you are not the intended recipient or believe that you may have received this communication
in error, please delete this communication from your computer and do not retransmit, copy, print or otherwise disseminate this communication.</span><span style="font-size:7.5pt;color:black"><o:p></o:p></span></p>
<p class="MsoNormal"><b><i><span style="font-size:10.0pt;color:black">ATTORNEY-CLIENT RELATIONSHIP:<br>
</span></i></b><span style="font-size:8.0pt;color:black">This e-mail does not in any way intend to provide legal advice to be relied upon by any recipient and does not create any duty or obligation for legal representation on behalf of the sender Joyce S. Schwensen,
PS on behalf of the recipient of this e-mail without a written engagement agreement.<o:p></o:p></span></p>
<p class="MsoNormal"><b><i>REFERRALS:<o:p></o:p></i></b></p>
<p class="MsoNormal"><span style="font-size:8.0pt">Please note that no referral by this law firm to other legal professionals is intended as a guaranty or assurance as to the experience, ability, professionalism or other characteristics of such legal professionals.<o:p></o:p></span></p>
<p class="MsoNormal"><o:p> </o:p></p>
</div>
</body>
</html>