<html xmlns:v="urn:schemas-microsoft-com:vml" xmlns:o="urn:schemas-microsoft-com:office:office" xmlns:w="urn:schemas-microsoft-com:office:word" xmlns:m="http://schemas.microsoft.com/office/2004/12/omml" xmlns="http://www.w3.org/TR/REC-html40"><head><meta http-equiv=Content-Type content="text/html; charset=utf-8"><meta name=Generator content="Microsoft Word 14 (filtered medium)"><style><!--
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</o:shapelayout></xml><![endif]--></head><body lang=EN-US link=blue vlink=purple><div class=WordSection1><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>Hi Oscar,<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'>In my experience the SOL is calculated starting from the missed payment date on the note/debt. The SOL is tolled by either filing the complaint on a judicial foreclosure or by filing the Notice of Trustee sale on a non-judicial foreclosure. <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'>Please also note that even if the foreclosure is initiated or tolled after the SOL has run, many states including Washington apply the doctrine of continuous default, which counts each missed payment as a separate cause of action. Thus even if several missed payments may fall outside the SOL, the default and missed payments within the SOL will serve as the basis for a cause of action and can be recoverable by a creditor.<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'>If you have any further questions, don’t hesitate to send me an email. <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'>Kind regards,<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>Michael Safren<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><a href="mailto:msafren@gmail.com">msafren@gmail.com</a> <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><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"'> 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></div></div><p class=MsoNormal><o:p> </o:p></p><div><p class=MsoNormal><span style='font-size:10.0pt'>Dear Listmates:<o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:10.0pt'><o:p> </o:p></span></p></div><div><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></div><div><p class=MsoNormal><span style='font-size:10.0pt'><o:p> </o:p></span></p></div><div><p class=MsoNormal><span style='font-size:10.0pt'>Kind regards,<o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:10.0pt'>Oscar Yang<o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:10.0pt'>Managing Attorney<o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:10.0pt'>ES BERRY LAW PC <o:p></o:p></span></p></div><p class=MsoNormal style='margin-bottom:12.0pt'><span style='font-size:10.0pt'><o:p> </o:p></span></p><div id=M2Signature><div><p class=MsoNormal><span style='font-size:10.0pt'>-- <o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:10.0pt'>DISCLAIMER FROM ES BERRY LAW PC: This e-mail contains proprietary information some of which may be legally privileged, confidential or protected. It is for the intended recipient only. If an addressing or transmission error has misdirected this e-mail, please notify the author by replying to it and delete it. This email is for informational purposes only and does not constitute legal advice. Unauthorized forwarding, printing, copying, distribution, disclosure or use of such information is strictly prohibited. Unless specifically and clearly expressed otherwise, this email also should not be interpreted as a digital or electronic signature that can be used to authenticate a contract or other legal document. <o:p></o:p></span></p></div></div></div></body></html>