<html><head><meta http-equiv="content-type" content="text/html; charset=utf-8"></head><body dir="auto"><div><span></span></div><div><meta http-equiv="content-type" content="text/html; charset=utf-8"><div><span style="background-color: rgba(255, 255, 255, 0);">Hello </span><div class=""><span style="background-color: rgba(255, 255, 255, 0);"><br class=""></span></div><div class=""><span style="background-color: rgba(255, 255, 255, 0);">A client has asked me to assist with a non-judicial foreclosure. The property is residential owner-occupied. My client sold and financed the property and still holds the note. The borrower/grantor is self employed and has always been a slow payer but is now two months behind in payments and failed to pay the 2nd half property tax in 2015. Despite demand letters, it appears that no payment is immediately forthcoming.</span></div><div class=""><span style="background-color: rgba(255, 255, 255, 0);"><br class=""></span></div><div class=""><span style="background-color: rgba(255, 255, 255, 0);">I have handled a number of commercial foreclosures over the years. I recognize that the owner occupied realm is different and has some nuances and additional protections for the borrower. However, I also recognize that some of the borrower protections are lost when the property is seller financed. e.g. the seller financing lender/beneficiary is exempted from the requirements under RCW 61.24.031 related to notice of pre-foreclosure options. However, it is not clear to me what additional protections remain: are the exact contents required in the notice of default in the seller financing situation? Is the notice of default required to contain the notice to the borrower under 61.24.030(8)(k) stating that “you may be eligible for mediation…” Also, is the borrower eligible for mediation in the seller financing situation?</span></div><div class=""><span style="background-color: rgba(255, 255, 255, 0);"><br class=""></span></div><div class=""><span style="background-color: rgba(255, 255, 255, 0);">If anyone can share some guidance or point me to a worthwhile resource, I would appreciate it.</span></div><div class=""><span style="background-color: rgba(255, 255, 255, 0);"><br class=""></span></div><div class=""><span style="background-color: rgba(255, 255, 255, 0);">Thank you</span></div><div class=""><span style="background-color: rgba(255, 255, 255, 0);">Rich</span></div><br><div><b style="background-color: rgba(255, 255, 255, 0);">Rich McEntee</b></div><div><b style="background-color: rgba(255, 255, 255, 0);">McEntee Law Office</b></div><div><font color="#000000" style="background-color: rgba(255, 255, 255, 0); ">3800 Bridgeport Way W Ste A411</font></div><div><font color="#000000" style="background-color: rgba(255, 255, 255, 0); ">University Place, WA 98466</font></div><div><font color="#000000" style="background-color: rgba(255, 255, 255, 0); "><a href="tel:253.227.9894" x-apple-data-detectors="true" x-apple-data-detectors-type="telephone" x-apple-data-detectors-result="1/0" style="background-color: rgba(255, 255, 255, 0);">253.227.9894</a></font></div><div><a href="mailto:jrmcentee@gmail.com" style="background-color: rgba(255, 255, 255, 0);"><font color="#000000">jrmcentee@gmail.com</font></a></div><div style="text-align: -webkit-auto; "><span style="text-align: -webkit-left; background-color: rgba(255, 255, 255, 0);"><br></span></div><div style="text-align: -webkit-auto; "><span style="text-align: -webkit-left; background-color: rgba(255, 255, 255, 0);"><br></span></div><div style="text-align: -webkit-auto; "><span style="text-align: -webkit-left; background-color: rgba(255, 255, 255, 0);">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></div><div><span class="Apple-style-span" style="-webkit-tap-highlight-color: rgba(26, 26, 26, 0.292969); -webkit-composition-fill-color: rgba(175, 192, 227, 0.230469); -webkit-composition-frame-color: rgba(77, 128, 180, 0.230469); "><br></span></div><div><span class="Apple-style-span" style="-webkit-tap-highlight-color: rgba(26, 26, 26, 0.296875); -webkit-composition-fill-color: rgba(175, 192, 227, 0.230469); -webkit-composition-frame-color: rgba(77, 128, 180, 0.230469); "><br></span></div><div><span class="Apple-style-span" style="-webkit-tap-highlight-color: rgba(26, 26, 26, 0.296875); -webkit-composition-fill-color: rgba(175, 192, 227, 0.230469); -webkit-composition-frame-color: rgba(77, 128, 180, 0.230469); ">Sent from my iPhone</span></div><div><div><br></div></div></div></div></body></html>