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<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D">If the S/L to collect a debt has passed, then the DOT or mortgage can be stripped off by a quiet title action. RCW 7.28.300.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";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 Here's the authority quoted in an unpublished case,
<u>Kirsch v. Cranberry Financial LLC</u>, 69959-8-I (Div. 1, December 23, 2013): <o:p>
</o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";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);
<u>see also</u> 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"); <u>Hassler v. Account Brokers of Larimer County. Inc.</u>. 274 P.3d 547, 553 (Colo. 2012) (same);
<u>Bay Area Laundry & Dry Cleaning Pension Trust Fund v. Ferbar Corp. of CaL</u> 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, <u>supra</u>, § 79:17, at 338; § 79:18, at 347-50; 12 Am.Jur.2d, Bills & Notes § 581 (same);
<u>Bay Area</u>, 522 U.S. at 208-09 (same). The statute of limitations commences upon maturity of a note.
<u>A.A.C. Corp. v. Reed</u>. 73 Wn.2d 612, 615, 440 P.2d 465 (1968). <o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D">FN 9 reads:
<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";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."
<u>See</u> <u>Herzog v. Herzog</u>, 23 Wn.2d 382, 388, 161 P.2d 142 (1945).<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-family:"Calibri","sans-serif";color:#1F497D">Sincerely,<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Calibri","sans-serif";color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Calibri","sans-serif";color:#1F497D">Eric<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Calibri","sans-serif";color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Calibri","sans-serif";color:#1F497D">Eric C. Nelsen<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Calibri","sans-serif";color:#1F497D">SAYRE LAW OFFICES, PLLC<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Calibri","sans-serif";color:#1F497D">1320 University St<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Calibri","sans-serif";color:#1F497D">Seattle WA 98101-2837<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Calibri","sans-serif";color:#1F497D">phone 206-625-0092<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Calibri","sans-serif";color:#1F497D">fax 206-625-9040<o:p></o:p></span></p>
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<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""> wsbarp-bounces@lists.wsbarppt.com [mailto:wsbarp-bounces@lists.wsbarppt.com]
<b>On Behalf Of </b>Oscar Yang, Esq.<br>
<b>Sent:</b> Tuesday, May 26, 2015 12:31 PM<br>
<b>To:</b> WSBA Real Property Listserv<br>
<b>Subject:</b> [WSBARP] SOL Calculation for Foreclosure Action<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:10.0pt">Dear Listmates:<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:10.0pt"><o:p> </o:p></span></p>
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<p class="MsoNormal"><span style="font-size:10.0pt">I know in another state, there were some debates on when the SOL should start running for foreclosure actions (for example, among the last payment date by the borrower, the acceleration payment date, the
first date to fail to make a full monthly payment, etc). What date does WA use to calculate the SOL of a foreclosure action? Many foreclosure actions that I have seen are well within the SOL period, but I still want to calculate it correctly. I apologize
if this question sounds too basic.<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:10.0pt"><o:p> </o:p></span></p>
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<p class="MsoNormal"><span style="font-size:10.0pt">Kind regards,<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:10.0pt">Oscar Yang<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:10.0pt">Managing Attorney<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:10.0pt">ES BERRY LAW PC <o:p></o:p></span></p>
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<p class="MsoNormal" style="margin-bottom:12.0pt"><span style="font-size:10.0pt"><o:p> </o:p></span></p>
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<p class="MsoNormal"><span style="font-size:10.0pt">-- <o:p></o:p></span></p>
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