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--></style></head><body lang="EN-US" link="blue" vlink="purple" style="word-wrap:break-word"><div class="WordSection1"><p class="MsoNormal"><span style="color:#1f497d">Good information Dalynne!</span></p><p class="MsoNormal"><span style="color:#1f497d"> </span></p><p class="MsoNormal"><span style="color:#1f497d">Here is the CFR: 34 CFR § 685.212 - Discharge of a loan obligation. <a href="https://www.law.cornell.edu/cfr/text/34/685.212">https://www.law.cornell.edu/cfr/text/34/685.212</a> <b></b></span></p><p class="MsoNormal"><span style="color:#1f497d"> </span></p><div><p class="MsoNormal" style="background:white"><b><span style="font-size:10.0pt;font-family:"Helvetica","sans-serif";color:#4c76a2"> </span></b></p><p class="MsoNormal" style="background:white"><b><span style="font-size:12.0pt;font-family:"Helvetica","sans-serif";color:#4c76a2">Mark C. McClure</span></b><b><span style="font-size:24.0pt;font-family:"Helvetica","sans-serif";color:#4c76a2"> </span></b><b><span style="font-size:12.0pt;font-family:"Helvetica","sans-serif";color:#4c76a2">| </span></b><i><span style="font-size:10.0pt;font-family:"Helvetica","sans-serif";color:#4c76a2">Managing Attorney <br></span></i><span style="font-size:10.0pt;font-family:"Helvetica","sans-serif";color:navy">Law Office of Mark McClure, PS<b> <br></b><i>"Why Retire With Debt?"<br></i>1103 West Meeker Street, #101<br>Kent, WA 98032</span><span style="font-size:10.0pt;font-family:"Helvetica","sans-serif";color:#1d2228"></span></p><p class="MsoNormal" style="background:white"><span style="font-size:10.0pt;font-family:"Helvetica","sans-serif";color:navy">Office: 253.631.6484 (Leave Msg - Will be returned within 24 hours)<br></span><span style="font-family:"Helvetica","sans-serif";color:#003399">Email: <a href="mailto:Mark@McClureLawGroup.com" target="_blank"><span style="color:purple">Mark@McClureLawGroup.com</span></a><br>Web: <a href="http://www.mcclurelawgroup.com/">www.McClureLawGroup.com</a> </span></p><p class="MsoNormal" style="background:white"><b><span style="font-size:10.0pt;font-family:"Helvetica","sans-serif";color:#1f497d">Notice of Unavailability:</span></b><span style="font-size:10.0pt;font-family:"Helvetica","sans-serif";color:#1f497d"> </span><b><span style="font-size:10.0pt;font-family:"Helvetica","sans-serif";color:red"> TBD</span></b><span style="font-size:10.0pt;font-family:"Helvetica","sans-serif";color:#1d2228"></span></p><p class="MsoNormal" style="background:white"><b><span style="font-size:9.0pt;font-family:"Helvetica","sans-serif";color:#c0504d">**NOTE** COVID Procedures: All visits must be scheduled in advance for access to the building. Call </span></b><span style="font-size:9.0pt;font-family:"Helvetica","sans-serif";color:#c0504d">253-631-6484 <b> to schedule.</b></span></p><p class="MsoNormal" style="background:white"><b><span style="font-size:10.0pt;font-family:"Helvetica","sans-serif";color:navy">CONFIDENTIALITY NOTICE:</span></b><span style="font-size:10.0pt;font-family:"Helvetica","sans-serif";color:navy"> </span><span style="font-size:10.0pt;font-family:"Helvetica","sans-serif";color:#1c1e21;background:#f2f3f5">This email contains legal stuff. If you are not the intended recipient you could get into a lot of trouble if you read it, and even more trouble if you tell someone else about it. So, the best thing to do is ignore it and forget you ever saw it. Thank you.</span><span style="font-size:10.0pt;font-family:"Helvetica","sans-serif";color:navy"> </span><span style="font-size:10.0pt;font-family:"Helvetica","sans-serif";color:#1d2228"></span></p></div><p class="MsoNormal"><span style="color:#1f497d"> </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">wsbapt-bounces@lists.wsbarppt.com</a> [mailto:<a href="mailto:wsbapt-bounces@lists.wsbarppt.com">wsbapt-bounces@lists.wsbarppt.com</a>] <b>On Behalf Of </b>Dalynne Singleton<br><b>Sent:</b> Monday, February 27, 2023 12:46 PM<br><b>To:</b> WSBA Probate & Trust Listserv<br><b>Subject:</b> [WSBAPT] Decedent co-signed student Loan - collection effort</span></p></div></div><p class="MsoNormal"> </p><p class="MsoNormal"><span style="font-size:14.0pt">I know most student loans are not collectible upon the death of the borrower. There are exceptions but for student loans, you need to provide a death cert. to who is owed. </span></p><p class="MsoNormal"><span style="font-size:14.0pt">Here is information on the student loan debt which dies upon death of borrower:</span></p><p class="MsoNormal"><span style="font-size:14.0pt"> </span></p><ul style="margin-top:0in" type="disc"><li class="MsoNormal" style="mso-list:l0 level1 lfo1"><span style="font-size:14.0pt">Federal student loans will be discharged due to the death of the borrower or of the student on whose behalf the loan was taken out.</span></li><li class="MsoNormal" style="mso-list:l0 level1 lfo1"><span style="font-size:14.0pt">If you die, then your federal student loans will be discharged after the required proof of death is submitted.</span></li><li class="MsoNormal" style="mso-list:l0 level1 lfo1"><span style="font-size:14.0pt">The loan will be discharged if a family member or other representative provides the loan servicer acceptable documentation of the borrower's or parent's death. Acceptable documentation includes an original death certificate, a certified copy of death certificate</span></li></ul><p class="MsoNormal"><span style="font-size:14.0pt"> </span></p><p class="MsoNormal"><span style="font-size:14.0pt">I would start by sending the information to the creditor and asking for confirmation of no debt to the co-borrower estate.</span></p><p class="MsoNormal"><span style="font-family:"Tahoma","sans-serif""> </span></p><p class="MsoNormal"><b><i><span style="font-family:"Arial","sans-serif";color:#1f497d">Dalynne Singleton</span></i></b></p><p class="MsoNormal"><b><span style="font-family:"Arial","sans-serif";color:#1f497d">Gourley Law Group</span></b></p><p class="MsoNormal"><b><span style="font-family:"Arial","sans-serif";color:#1f497d">Snohomish Escrow</span></b></p><p class="MsoNormal"><b><span style="font-family:"Arial","sans-serif";color:#1f497d">The Exchange Connection</span></b></p><p class="MsoNormal"><span style="font-family:"Arial","sans-serif";color:#1f497d">1002 10<sup>th</sup> Street / PO Box 1091</span></p><p class="MsoNormal"><span style="font-family:"Arial","sans-serif";color:#1f497d">Snohomish, WA 98291</span></p><p class="MsoNormal"><span style="font-family:"Arial","sans-serif";color:#1f497d">360.568.5065</span></p><p class="MsoNormal"><span style="font-family:"Arial","sans-serif";color:#1f497d">360.568.8092 fax</span></p><p class="MsoNormal"><a href="mailto:dalynne@glgmail.com" target="_blank"><span style="font-family:"Arial","sans-serif";color:#0563c1">dalynne@glgmail.com</span></a></p><p class="MsoNormal"><u><span style="font-family:"Arial","sans-serif";color:#0563c1">Website: </span></u><a href="http://www.glglawgroup.com/" target="_blank"><span style="font-family:"Arial","sans-serif"">www.glglawgroup.com</span></a></p><p class="MsoNormal"><span style="font-family:"Arial","sans-serif"">Attorney/client meetings will be handled by teleconference or virtually whenever possible. If you would like to set a telephone conference, zoom, Microsoft teams or in person meeting, please call or email my paralegal <u><span style="color:blue"><a href="mailto:theresa@glgmail.com,%20angelina@glgmail.com"><span style="color:#0563c1">theresa@glgmail.com, angelina@glgmail.com</span></a></span></u> or <a href="mailto:dominika@glgmail.com"><span style="color:#0563c1">dominika@glgmail.com</span></a>.</span></p><p class="MsoNormal"> </p><p class="MsoNormal"><i><span style="font-family:Californian;color:black">LICENSED IN WASHINGTON</span></i></p><p class="MsoNormal"><span style="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. The information is intended only for the use of the intended recipient(s). Delivery of this message to anyone other than the intended recipient(s) is not intended to waive any privilege or otherwise detract from the confidentiality of the message. If you are not the intended recipient, or if this message has been addressed to you in error, do not read, disclose, reproduce, distribute, disseminate or otherwise use this transmission, rather, please promptly notify the sender by reply e-mail, and then destroy all copies of the message and its attachments, if any.</span></p><p class="MsoNormal" style="background:white"><span style="color:black"><img border="0" width="84" height="120" id="_x0000_i1027" src="cid:image001.gif@01D94B3D.E0CED580"> <img border="0" width="183" height="96" id="Picture_x0020_2" src="cid:image004.jpg@01D94B3D.E0CED580" alt="No alt text provided for this image"><img border="0" width="155" height="120" id="Picture_x0020_1" src="cid:image005.png@01D94B3D.E0CED580"></span></p><p class="MsoNormal"><span style="font-size:14.0pt"> </span></p><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">wsbapt-bounces@lists.wsbarppt.com</a> <<a href="mailto:wsbapt-bounces@lists.wsbarppt.com">wsbapt-bounces@lists.wsbarppt.com</a>> <b>On Behalf Of </b>Brent Williams-Ruth<br><b>Sent:</b> Monday, February 27, 2023 12:36 PM<br><b>To:</b> WSBA Probate & Trust Listserv <<a href="mailto:wsbapt@lists.wsbarppt.com">wsbapt@lists.wsbarppt.com</a>><br><b>Subject:</b> Re: [WSBAPT] Decedent co-signed student Loan - collection effort</p></div><p class="MsoNormal"> </p><div><div><p class="MsoNormal"><span style="font-family:"Arial","sans-serif"">And that was my thinking - but given all the regulations pertaining to student loans, I was curious if there was a specific statute (like Garn-St. Germaine for mortgages) or case law that carved out an exception to these types of debt. I have not found one - but that is why I was checking with the brain trust. </span></p></div><div><div><div><div><p><b>Brent Williams-Ruth</b> (pronouns: he/him)<br><i>Attorney-At-Law</i></p><p><b>Law Offices of Brent Williams-Ruth, </b><b><span style="font-size:7.5pt">a division of BWR Consulting, PLLC</span></b></p><p><b>Physical Address: 500 S 336th Street, Suite 214; Federal Way, WA 98003</b></p><p><b><span style="color:red">**EFFECTIVE IMMEDIATELY**</span> All mail sent through the USPS should be sent to the following address: PO BOX 3319; Federal Way, WA 98063 </b></p><p>Office/Scheduling Phone:<span style="color:#004080"> </span><span style="color:red">(253) 285-7751</span></p><p>Direct:<span style="color:red"> (253) 285-7453</span></p><p><a href="mailto:Brent@Williams-RuthLaw.com" target="_blank">e-mail</a> / <a href="http://www.williams-ruthlaw.com/" target="_blank">website</a> /<span style="font-size:9.5pt"> </span><a href="http://www.facebook.com/bwrlaw" target="_blank"><span style="font-size:9.5pt">facebook</span></a><span style="font-size:9.5pt"> / </span></p></div></div></div></div><p class="MsoNormal"> </p></div><p class="MsoNormal"> </p><div><div><p class="MsoNormal">On Mon, Feb 27, 2023 at 12:34 PM Mike Zeno <<a href="mailto:mikez@zenolawfirm.com">mikez@zenolawfirm.com</a>> wrote:</p></div><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><div><p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:12.0pt;font-family:"Times New Roman","serif";color:#002060">Brent, if the estate published notice to creditors, isn’t the claim time-barred? Sounds like the creditor was not “reasonably ascertainable.”</span></p><p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:12.0pt;font-family:"Times New Roman","serif";color:#002060"> </span></p><p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><b><span style="color:#1f497d">The Law Office of G. Michael Zeno, Jr., P.S.</span></b></p><p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="color:#1f497d">T: (425) 947-8050 F: (425) 947-8052</span></p><p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="color:#1f497d">135 Lake Street S., Suite 257</span></p><p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="color:#1f497d">Kirkland, WA 98033</span></p><p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="color:#1f497d"> </span></p><p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><b><span style="color:#c00000">Confidential/Privileged Communication:</span></b><span style="color:gray"> This email and any attachments are confidential, privileged and intended only for the intended recipient(s). Unauthorized disclosure, copying, distribution or use of this email is prohibited. If you received this email in error, please notify me immediately so we can arrange for the message and documents to be returned and deleted. Thank you.</span></p><p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><b><span style="color:#c00000">IRS Circular 230 Disclaimer:</span></b><span style="color:gray"> Any tax advice provided in this communication (including attachments) is not intended or written to be used, and it cannot be used, by the recipient or any other taxpayer (i) for the purpose of avoiding penalties that may be imposed on the recipient or any other taxpayer, or (ii) in promoting, marketing or recommending to another party a partnership or other entity, investment plan, arrangement or other transaction. You should seek advice based on your particular circumstances from an independent tax advisor.</span></p><p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:12.0pt;font-family:"Times New Roman","serif";color:#002060"> </span></p><div style="border:none;border-top:solid #e1e1e1 1.0pt;padding:3.0pt 0in 0in 0in"><p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><b>From:</b> <a href="mailto:wsbapt-bounces@lists.wsbarppt.com" target="_blank">wsbapt-bounces@lists.wsbarppt.com</a> <<a href="mailto:wsbapt-bounces@lists.wsbarppt.com" target="_blank">wsbapt-bounces@lists.wsbarppt.com</a>> <b>On Behalf Of </b>Brent Williams-Ruth<br><b>Sent:</b> Monday, February 27, 2023 10:57 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> [WSBAPT] Decedent co-signed student Loan - collection effort</p></div><p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"> </p><div><div><p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-family:"Arial","sans-serif"">Greetings List - </span></p></div><div><p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-family:"Arial","sans-serif""> </span></p></div><div><p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-family:"Arial","sans-serif"">One of my Executors that was about to close her mother's estate (literally just sent the Declaration of Completion to be signed by the Executor) received a collection notice for a student loan that the Decedent co-signed for a friend's daughter. </span></p></div><div><p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-family:"Arial","sans-serif""> </span></p></div><div><p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-family:"Arial","sans-serif"">1) No notice was sent to them as there was no paperwork or any indication prior to this letter that Decedent had co-signed. </span></p></div><div><p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-family:"Arial","sans-serif""> </span></p></div><div><p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-family:"Arial","sans-serif"">2) The collection effort makes no discussion regarding the other signatory of the loan. </span></p></div><div><p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-family:"Arial","sans-serif""> </span></p></div><div><p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-family:"Arial","sans-serif"">Has anyone had experience with this before? I have been looking for any specific reference to Washington case law on this topic but haven't found one on point. </span></p></div><div><p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-family:"Arial","sans-serif""> </span></p></div><div><p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-family:"Arial","sans-serif"">Appreciate any insights. </span></p></div><div><p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-family:"Arial","sans-serif""> </span></p></div><div><p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-family:"Arial","sans-serif"">Brent</span></p></div><div><div><div><div><p><b>Brent Williams-Ruth</b> (pronouns: he/him)<br><i>Attorney-At-Law</i></p><p><b>Law Offices of Brent Williams-Ruth, </b><b><span style="font-size:7.5pt">a division of BWR Consulting, PLLC</span></b></p><p><b>Physical Address: 500 S 336th Street, Suite 214; Federal Way, WA 98003</b></p><p><b><span style="color:red">**EFFECTIVE IMMEDIATELY**</span> All mail sent through the USPS should be sent to the following address: PO BOX 3319; Federal Way, WA 98063 </b></p><p>Office/Scheduling Phone:<span style="color:#004080"> </span><span style="color:red">(253) 285-7751</span></p><p>Direct:<span style="color:red"> (253) 285-7453</span></p><p><a href="mailto:Brent@Williams-RuthLaw.com" target="_blank">e-mail</a> / <a href="http://www.williams-ruthlaw.com/" target="_blank">website</a> /<span style="font-size:9.5pt"> </span><a href="http://www.facebook.com/bwrlaw" target="_blank"><span style="font-size:9.5pt">facebook</span></a><span style="font-size:9.5pt"> / </span></p></div></div></div></div></div></div></div><p class="MsoNormal">***Disclaimer: Please note that RPPT listserv participation is not restricted to practicing attorneys and may include non-practicing attorneys, law students, professionals working in related fields, and others.***<br>_______________________________________________<br>WSBAPT mailing list<br><a href="mailto:WSBAPT@lists.wsbarppt.com" target="_blank">WSBAPT@lists.wsbarppt.com</a><br><a href="http://mailman.fsr.com/mailman/listinfo/wsbapt" target="_blank">http://mailman.fsr.com/mailman/listinfo/wsbapt</a></p></div></blockquote></div></div></body></html>