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<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#002060">Performance on the HELOC remains secured by an encumbrance on the real property owned by the Decedent's ex-spouse. I think the death of the Decedent now places
the burden on the ex-spouse to pay the bill or refinance to avoid foreclosure.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#002060"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#002060">I just thought I would check in case there other considerations that I need to… consider.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#002060"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#002060">Thanks for the input.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#002060"><o:p> </o:p></span></p>
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<p class="MsoNormal" style="margin-bottom:12.0pt"><b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#002060;mso-ligatures:standardcontextual">Mark B. Anderson<br>
</span></b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#002060;mso-ligatures:standardcontextual">ANDERSON LAW FIRM PLLC<br>
821 Dock Street, Suite 209, PMB 4-12<br>
Tacoma, Washington 98402<br>
+1 253-327-1750<br>
+1 253-327-1751 (fax)<br>
<a href="mailto:marka@mbaesq.com"><span style="color:#002060">marka@mbaesq.com</span></a><br>
<a href="http://www.mbaesq.com/"><span style="color:#002060">www.mbaesq.com</span></a><b><o:p></o:p></b></span></p>
<p class="MsoNormal" style="margin-bottom:12.0pt"><b><span style="font-size:10.0pt;font-family:"Arial Narrow",sans-serif;color:#002060;mso-ligatures:standardcontextual">CONFIDENTIALITY NOTICE<br>
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<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#002060"><o:p> </o:p></span></p>
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<p class="MsoNormal"><b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">From:</span></b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"> Andrekita Silva <ak@seattle-silvalaw.com>
<br>
<b>Sent:</b> Saturday, December 13, 2025 4:13 AM<br>
<b>To:</b> WSBA Probate & Trust Listserv <wsbapt@lists.wsbarppt.com><br>
<b>Cc:</b> Mark Anderson <marka@mbaesq.com><br>
<b>Subject:</b> Re: [WSBAPT] Insolvent Intestate Estate Intersection with Family Law<o:p></o:p></span></p>
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<p class="MsoNormal"><o:p> </o:p></p>
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<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Courier New"">Law Office of F. Andrekita Silva<br>
______________________________________________________________________________________________________________________________ <br>
<br>
<br>
</span><span style="font-size:11.0pt;font-family:"Arial",sans-serif">December 13 2025</span><span style="font-size:11.0pt;font-family:"Courier New""><br>
<br>
</span><span style="font-size:11.0pt;font-family:"Arial",sans-serif">Mark,</span><span style="font-size:11.0pt;font-family:"Courier New""><br>
<br>
</span><span style="font-size:11.0pt;font-family:"Arial",sans-serif">I have not had this scenario. Generally, however, I would say that the allocation of community debt to one spouse by the court is not binding on third party creditors. </span><span style="font-size:11.0pt;font-family:"Courier New""><br>
</span><span style="font-size:11.0pt;font-family:"Arial",sans-serif">So, if the debt being paid by deceased ex-H was a community debt, a third party creditor should be able to access the community portion of equity in the home. If the divorce was a long time
ago, possible ex-wife who was awarded home has built up a separate property equity?</span><span style="font-size:11.0pt;font-family:"Courier New""><br>
<br>
</span><span style="font-size:11.0pt;font-family:"Arial",sans-serif">I believe that the idea is to not prejudice community creditors by giving an asset to one party, then having the court- obligated debtor spouse default. Otherwise, a divorcing couple could
collude against third party creditors.</span><span style="font-size:11.0pt;font-family:"Courier New""><br>
<br>
</span><span style="font-size:11.0pt;font-family:"Arial",sans-serif">That is why it is so important for a divorce decree to require refinance where ever possible- or certainly within a reasonable period of time. Hopefully, that wasn't a judicial ruling but
an agreed decree by the parties. A judge should know better. The wife could try to refinance or do something to pay the secured debt so that she can keep the house from being taken from her. Otherwise, I believe the creditor can sell the house, take what is
owed to them, and then give her whatever is left over- if there is anything left over.</span><span style="font-size:11.0pt;font-family:"Courier New""><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Courier New""> <o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Arial",sans-serif">Andrekita Silva</span><span style="font-size:11.0pt;font-family:"Courier New""><br>
</span><span style="font-size:11.0pt;font-family:"Arial",sans-serif">Law Office of F. Andrekita Silva</span><span style="font-size:11.0pt;font-family:"Courier New""><br>
</span><span style="font-size:11.0pt;font-family:"Arial",sans-serif">1325 Fourth Avenue, Suite 940</span><span style="font-size:11.0pt;font-family:"Courier New""><br>
</span><span style="font-size:11.0pt;font-family:"Arial",sans-serif">Seattle, Washington 98101-2509</span><span style="font-size:11.0pt;font-family:"Courier New""><br>
</span><span style="font-size:11.0pt;font-family:"Arial",sans-serif">206-224-8288</span><span style="font-size:11.0pt;font-family:"Courier New""><br>
</span><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><a href="mailto:ak@seattle-silvalaw.com">ak@seattle-silvalaw.com</a></span><span style="font-size:11.0pt;font-family:"Courier New""><br>
<br>
<br>
</span><span style="font-size:11.0pt;font-family:"Arial",sans-serif">On 2025/12/12 14:57, Mark Anderson wrote:</span><span style="font-size:11.0pt;font-family:"Courier New"">
<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Arial",sans-serif">Dear All:
</span><span style="font-size:11.0pt;font-family:"Courier New""><br>
<br>
</span><span style="font-size:11.0pt;font-family:"Arial",sans-serif">Client is the sister of a Decedent who passed away without a will.
</span><span style="font-size:11.0pt;font-family:"Courier New""><br>
</span><span style="font-size:11.0pt;font-family:"Arial",sans-serif">Decedent was paying on a HELOC secured by a deed of trust on real</span><span style="font-size:11.0pt;font-family:"Courier New""><br>
</span><span style="font-size:11.0pt;font-family:"Arial",sans-serif">property that had been awarded to his ex-spouse in their divorce.
</span><span style="font-size:11.0pt;font-family:"Courier New""><br>
</span><span style="font-size:11.0pt;font-family:"Arial",sans-serif">Decedent's debts far exceed his apparent assets.
</span><span style="font-size:11.0pt;font-family:"Courier New""><br>
<br>
</span><span style="font-size:11.0pt;font-family:"Arial",sans-serif">I usually deal with solvent estates without family law complications.
</span><span style="font-size:11.0pt;font-family:"Courier New""><br>
</span><span style="font-size:11.0pt;font-family:"Arial",sans-serif">Who of you has seen this scenario before and would be willing to</span><span style="font-size:11.0pt;font-family:"Courier New""><br>
</span><span style="font-size:11.0pt;font-family:"Arial",sans-serif">either take on the Client or provide some practice tips?
</span><span style="font-size:11.0pt;font-family:"Courier New""><br>
<br>
</span><span style="font-size:11.0pt;font-family:"Arial",sans-serif">Thanks much. Happy Friday!
</span><span style="font-size:11.0pt;font-family:"Courier New""><br>
<br>
</span><span style="font-size:11.0pt;font-family:"Arial",sans-serif">Mark B. Anderson</span><span style="font-size:11.0pt;font-family:"Courier New""><br>
</span><span style="font-size:11.0pt;font-family:"Arial",sans-serif">ANDERSON LAW FIRM PLLC</span><span style="font-size:11.0pt;font-family:"Courier New""><br>
</span><span style="font-size:11.0pt;font-family:"Arial",sans-serif">821 Dock Street, Suite 209, PMB 4-12</span><span style="font-size:11.0pt;font-family:"Courier New""><br>
</span><span style="font-size:11.0pt;font-family:"Arial",sans-serif">Tacoma, Washington 98402</span><span style="font-size:11.0pt;font-family:"Courier New""><br>
</span><span style="font-size:11.0pt;font-family:"Arial",sans-serif">+1 253-327-1750</span><span style="font-size:11.0pt;font-family:"Courier New""><br>
</span><span style="font-size:11.0pt;font-family:"Arial",sans-serif">+1 253-327-1751 (fax)</span><span style="font-size:11.0pt;font-family:"Courier New""><br>
</span><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><a href="mailto:marka@mbaesq.com">marka@mbaesq.com</a></span><span style="font-size:11.0pt;font-family:"Courier New""><br>
</span><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><a href="http://www.mbaesq.com" target="_blank">www.mbaesq.com</a> [<a href="http://www.mbaesq.com/" target="_blank">1</a>]
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