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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"'>Rod, Generally excess judgments are not secured by the original security and are simply executed upon as ordinary judgments for money. And your guy doesn't owe the money. So if he redeems I think that any excess left over is just a judgment against a deceased person. I am not doing the research, this is just what I think I know. <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><p class=MsoNormal><span style='font-size:14.0pt;font-family:"Times New Roman","serif"'>The probate code is going to tell you that although security can be executed upon, any additional personal claim for an excess against the decedent will have to be brought within two years regardless of an estate being filed.<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><p class=MsoNormal><span style='font-size:14.0pt;font-family:"Times New Roman","serif"'>The wild card is that 11.04.250 makes exceptions to the vesting in favor of costs of administration of the estate, family allowances, debts of the decedent, and any other charges for which the property may be answerable. But under these circumstances, it looks as if you could get title insurance. This long after the death, there aren't going to be debts that can be collected<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><p class=MsoNormal><span style='font-size:14.0pt;font-family:"Times New Roman","serif"'>Is this helping? I have done many similar things in the past but each is case-specific.<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><p class=MsoNormal><span style='font-size:14.0pt;font-family:"Times New Roman","serif"'>I have to say, I really wonder at lenders who file judicial foreclosures against "the Estate of" when there is no probate. The service by publication statutes take care of their needs anyway, and I have seen a Superior Court judge say, Estate? What Estate?<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><p class=MsoNormal><span style='font-size:14.0pt;font-family:"Times New Roman","serif"'>Rob <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>rob@hctc.com</span><o:p></o:p></p><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal style='text-autospace:none'><i><span style='font-family:"Times New Roman","serif"'>This message is intended solely for the use of the addressee and may contain information that is privileged, confidential, and exempt from disclosure under applicable law. If you are not the addressee, you are hereby notified that any use, distribution, or copying of this message is strictly prohibited. If you received this message in error, please notify us by reply e-mail or by telephone (call us collect at the number listed above) and immediately delete this message and any and all of its attachments. Thank you.<o:p></o:p></span></i></p><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Times New Roman","serif";text-transform:uppercase'>This office does debt collection and this e-mail may be an attempt to collect a debt, Any information obtained will be used for that purpose. </span></b><span style='font-size:10.0pt;font-family:"Times New Roman","serif"'>To the extent the Federal Fair Debt Collection Practices Act (15 U.S.C. § 1692) applies this firm is acting as a debt collector for the condominium/homeowners' association named above to collect a debt owed to it. Any information obtained will be used for collection purposes. You have the right to seek advice of legal counsel.</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"'> wsbarp-bounces@lists.wsbarppt.com [mailto:wsbarp-bounces@lists.wsbarppt.com] <b>On Behalf Of </b>Rod Harmon<br><b>Sent:</b> Monday, February 22, 2016 11:37 AM<br><b>To:</b> 'WSBA Real Property Listserv'<br><b>Subject:</b> [WSBARP] redemption<o:p></o:p></span></p></div></div><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal>A Borrower dies intestate leaving one heir. Title vests in heir at time of death. RCW 11.04.250. There is no probate of the estate. Four years after death, Bank judicially forecloses deed of trust, naming Estate of Borrower and Borrower’s heirs and devisees as defendants, and obtains judgment against “Estate of Borrower and the real property.” At the sheriff’s auction, Bank bids half the amount of its judgment, but is outbid. <o:p></o:p></p><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal>If the heir redeems, does the heir take free of the lien for the unsatisfied judgment?<o:p></o:p></p><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal><span style='font-size:13.0pt;font-family:"Arial","sans-serif";color:#1F497D'>Rod Harmon</span><o:p></o:p></p><p class=MsoNormal><b><span style='font-size:13.0pt;font-family:"Arial","sans-serif";color:#1F497D'> </span></b><o:p></o:p></p><p class=MsoNormal><b><span style='font-size:13.0pt;font-family:"Arial","sans-serif";color:#1F497D'>RODNEY T. HARMON</span></b><o:p></o:p></p><p class=MsoNormal><b><span style='font-family:"Arial","sans-serif";color:#1F497D'> Attorney at Law</span></b><o:p></o:p></p><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:#1F497D'> P.O. Box 1066</span><o:p></o:p></p><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:#1F497D'> Bothell, WA 98041</span><o:p></o:p></p><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:#1F497D'> Tel: (425) 402-7800</span><o:p></o:p></p><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:#1F497D'> Fax: (425) 458-9096</span><o:p></o:p></p><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:#1F497D'> <a href="http://www.rodharmon.com">www.rodharmon.com</a></span><o:p></o:p></p><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:#1F497D'> <a href="mailto:rodharmon@msn.com">rodharmon@msn.com</a></span><o:p></o:p></p><p class=MsoNormal style='margin-top:6.0pt'><o:p> </o:p></p><p class=MsoNormal><o:p> </o:p></p></div></body></html>