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</o:shapelayout></xml><![endif]--></head><body lang=EN-US link="#0563C1" vlink="#954F72"><div class=WordSection1><p class=MsoNormal><span style='font-size:14.0pt;font-family:"Times New Roman","serif"'>Is there a possible family support allowance anywhere? You refer to the husband as the decedent. Assuming you have a spouse to protect, this is a way to at least get her away from a deficiency judgment. 11.54.070. And if you look at it logically (probably not Wells Fargo's strong suit on these deals), then the only reason they wouldn't take a deed in lieu is to preserve the right to a deficiency. Otherwise, what's the point (well, besides institutional incompetence)? I spent three years on similar facts; end result, Big Bank not only had to take title from the Estate, they violated the Orders for Family Support by repeatedly hounding the widow for the note payment; and for their accumulated contempts, paid her over $200,000. <o:p></o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt;font-family:"Times New Roman","serif"'><o:p> </o:p></span></p><div><p class=MsoNormal style='text-autospace:none'><span style='font-size:14.0pt;font-family:"Times New Roman","serif"'>Robert D. Wilson-Hoss <br>Hoss & Wilson-Hoss, LLP <br>236 West Birch Street <br>Shelton, WA 98584 <br>360 426-2999<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt;font-family:"Times New Roman","serif"'><a href="www.hossandwilsonhoss.com"><span style='color:blue'>www.hossandwilson-hoss.com</span></a><br><a href="mailto:rob@hctc.com"><span style='color:blue'>rob@hctc.com</span></a></span><o:p></o:p></p></div><p class=MsoNormal><span style='font-size:14.0pt;font-family:"Times New Roman","serif"'><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>Dalynne Singleton<br><b>Sent:</b> Thursday, August 30, 2018 10:59 AM<br><b>To:</b> WSBA Probate & Trust Listserv<br><b>Subject:</b> [WSBAPT] Insolvent estate & foreclosure<o:p></o:p></span></p></div></div><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal><span style='font-size:12.0pt;font-family:"Verdana","sans-serif"'>I was appointed the Administrator of an Estate for a man who died with a mobile home in Belfair, two vehicles and nothing else. I sold the cars, attempted to fix the home, clean it out of a lot of clutter and repaired some water/fire damage in the home making some small claims with the insurer. I listed the property for sale and received a short sale offer. Wells Fargo is owed more than the home is worth after adding in all the interest, penalties and $2k for foreclosure attorney fees for two years since the death of the husband. During the listing time, I received a copy (no service) of a judicial foreclosure notice and contacted the attorney and Wells Fargo about the short sale.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt;font-family:"Verdana","sans-serif"'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt;font-family:"Verdana","sans-serif"'>Long story short, Wells Fargo declined the short sale offer and indicated it would only accept $255k which is the balance now owed. I don’t see any way to get this much in a sale.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt;font-family:"Verdana","sans-serif"'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt;font-family:"Verdana","sans-serif"'>What do I do besides going to court and declaring the estate insolvent at this point with a mortgage more than the home is worth and no assets other than the home for any deficiency?<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt;font-family:"Verdana","sans-serif"'>Wells Fargo had declined the short sale offer and offer of the deed in lieu. I must be missing something in this scenario but given Wells Fargo continuing with a judicial foreclosure, there are no monies for attorney fees and as Administrator, I want to close the estate.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt;font-family:"Verdana","sans-serif"'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt;font-family:"Verdana","sans-serif"'>Once I get order of insolvency, can I continue with closing?<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt;font-family:"Verdana","sans-serif"'>Last time this happened years ago, I just told the bank they could have the property/house and I didn’t have to do anything else but close the estate.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt;font-family:"Verdana","sans-serif"'><o:p> </o:p></span></p><p class=MsoNormal><b><i><span style='font-size:14.0pt;font-family:"Arial Rounded MT Bold";color:#1F497D'>Dalynne Singleton<o:p></o:p></span></i></b></p><p class=MsoNormal><span style='font-size:14.0pt;color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><b><span style='font-size:14.0pt;color:#1F497D'>Gourley Law Group<o:p></o:p></span></b></p><p class=MsoNormal><b><span style='font-size:14.0pt;color:#1F497D'>Snohomish Escrow<o:p></o:p></span></b></p><p class=MsoNormal><b><span style='font-size:14.0pt;color:#1F497D'>The Exchange Connection<o:p></o:p></span></b></p><p class=MsoNormal><span style='font-size:12.0pt;font-family:"Arial Rounded MT Bold";color:#1F497D'>1002 10<sup>th</sup> Street / PO Box 1091<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt;font-family:"Arial Rounded MT Bold";color:#1F497D'>Snohomish, WA 98291<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt;font-family:"Arial Rounded MT Bold";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt;font-family:"Arial Rounded MT Bold";color:#1F497D'>360.568.5065<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt;font-family:"Arial Rounded MT Bold";color:#1F497D'>360.329.4079<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt;font-family:"Arial Rounded MT Bold";color:#1F497D'>360.568.8092 fax<o:p></o:p></span></p><p class=MsoNormal><u><span style='font-size:12.0pt;font-family:"Arial Rounded MT Bold";color:#0563C1'><a href="mailto:dalynne@glgmail.com">dalynne@glgmail.com</a></span></u><span style='font-size:12.0pt;font-family:"Arial Rounded MT Bold";color:#1F497D'><o:p></o:p></span></p><p class=MsoNormal style='background:white'><b><i><span style='font-size:14.0pt;color:black'><o:p> </o:p></span></i></b></p><p class=MsoNormal><i><span style='font-size:12.0pt;font-family:Californian;color:black'>LICENSED IN WASHINGTON AND OREGON</span></i><span style='font-size:12.0pt;font-family:Californian;color:black'><o:p></o:p></span></p><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Times New Roman","serif";color:black'>IMPORTANT/CONFIDENTIAL: This e-mail message (and any attachments accompanying it) may contain confidential information, including information protected by attorney-client privilege. 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