Could the owner have shown up and bid one dollar?<br><br>On Thursday, June 23, 2016, Wendy Walter <<a href="mailto:WWalter@mccarthyholthus.com">WWalter@mccarthyholthus.com</a>> wrote:<br><blockquote class="gmail_quote" style="margin:0 0 0 .8ex;border-left:1px #ccc solid;padding-left:1ex">
<div lang="EN-US" link="blue" vlink="purple">
<div>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d">Jim,<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d"><u></u> <u></u></span></p>
<p class="MsoNormal"><span style="font-family:"Calibri","sans-serif"">Here’s a relevant statute that discusses tolling events in the statute of limitations.
<u></u><u></u></span></p>
<p class="MsoNormal" style="margin-right:0in;margin-bottom:3.75pt;margin-left:0in">
<b>RCW 4.16.230<u></u><u></u></b></p>
<p class="MsoNormal" style="margin-right:0in;margin-bottom:3.75pt;margin-left:0in">
<b>Statute tolled by judicial proceedings.<u></u><u></u></b></p>
<p class="MsoNormal" style="text-indent:.25in">When the commencement of an action is stayed by injunction or a
<span style="background:yellow">statutory prohibition</span>, the time of the continuance of the injunction or prohibition shall not be a part of the time limited for the commencement of the action.<u></u><u></u></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d"><u></u> <u></u></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif"">The foreclosure fairness act, now within RCW 61.24 et seq. prohibits a beneficiary from proceeding to foreclosure right away and instead requires certain due diligence, meet
and confer and mediation steps to be taken in certain cases. I would argue that this is a statutory prohibition on commencement of an action and thus should not count against the beneficiary if the borrower were to challenge on the SOL defense.<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif""><u></u> <u></u></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif"">Furthermore, the CFPB servicing rules, contained in 12 CFR 1024.41 similarly prohibit through federal rule the commencement of a foreclosure action by a beneficiary in certain
circumstances. Before getting a borrower’s hopes up that the SOL might help them get out of their debt, consider the huge efforts that were made at a state and federal level to provide loss mitigation to so many borrowers in our state (and across the country).
To come back and say that compliance with those efforts might prejudice the beneficiary from recovery on the debt, especially when the stakes are high and liability can be extreme for running the loss mitigation red lights put into effect is not likely to
be supported by a court if you consider RCW 4.16.230.<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d"><u></u> <u></u></span></p>
<p class="MsoNormal"><b><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d">Wendy Walter</span></b><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d">
</span><span style="font-size:10.0pt;font-family:"Calibri","sans-serif";color:#1f497d">|</span><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#002060">
</span><span style="font-size:9.0pt;font-family:"Calibri","sans-serif";color:#777777">Partner - Pacific Northwest<i>
</i></span><span style="font-size:10.0pt;font-family:"Calibri","sans-serif";color:#777777">| Member State Bars of WA and OR<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;color:#1f497d">McCarthy </span>
<span style="font-size:11.0pt;color:red">♦</span><span style="font-size:11.0pt;color:#1f497d"> Holthus LLP<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d"> m. 108 1<sup>st</sup> Ave. S., Suite 300, Seattle, WA 98104
<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d"> d. 206.596.4844 | f. 206.780.6862 | c. 425.241.5459<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d"> e.
</span><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d"><a href="javascript:_e(%7B%7D,'cvml','wwalter@mccarthyholthus.com');" target="_blank"><span style="color:#1f497d">wwalter@mccarthyholthus.com</span></a></span><u><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d"><u></u><u></u></span></u></p>
<p class="MsoNormal" align="center" style="text-align:center"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d">Arizona
</span><span style="font-size:11.0pt;font-family:"Arial","sans-serif";color:red">♦</span><span style="font-size:11.0pt;font-family:"Arial","sans-serif";color:#1f497d">
</span><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d">California
</span><span style="font-size:11.0pt;font-family:"Arial","sans-serif";color:red">♦</span><span style="font-size:11.0pt;font-family:"Arial","sans-serif";color:#1f497d">
</span><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d">Colorado
</span><span style="font-size:11.0pt;font-family:"Arial","sans-serif";color:red">♦
</span><span style="font-size:11.0pt;font-family:"Arial","sans-serif";color:#1f497d"> </span><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d">Idaho
</span><span style="font-size:11.0pt;font-family:"Arial","sans-serif";color:red">♦</span><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d"> Nevada
</span><span style="font-size:11.0pt;font-family:"Arial","sans-serif";color:red">♦</span><span style="font-size:11.0pt;font-family:"Arial","sans-serif";color:#1f497d">
</span><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d">New Mexico
</span><span style="font-size:11.0pt;font-family:"Arial","sans-serif";color:red">♦</span><span style="font-size:11.0pt;font-family:"Arial","sans-serif";color:#1f497d">
</span><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d">Oregon
</span><span style="font-size:11.0pt;font-family:"Arial","sans-serif";color:red">♦</span><span style="font-size:11.0pt;font-family:"Arial","sans-serif";color:#1f497d">
</span><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d">Texas
</span><span style="font-size:11.0pt;font-family:"Arial","sans-serif";color:red">♦</span><span style="font-size:11.0pt;font-family:"Arial","sans-serif";color:#1f497d">
</span><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d">Washington<u></u><u></u></span></p>
<p class="MsoNormal" style="text-align:justify">
<span style="font-size:7.5pt;font-family:"Calibri","sans-serif";color:gray">CONFIDENTIALITY NOTICE: The information contained herein may be privileged and protected by the attorney/client and/or other privilege. It is confidential in nature and intended for
use by the intended addressee only. If you are not the intended recipient, you are hereby expressly prohibited from dissemination distribution, copy or any use whatsoever of this transmission and its contents. If you receive this transmission in error, please
reply or call the sender and arrangements will be made to retrieve the originals from you at no charge.<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:7.5pt;font-family:"Calibri","sans-serif";color:red">Federal law requires us to advise you that communication with our office could be interpreted as an attempt to collect a debt and that any information obtained will
be used for that purpose.</span><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:red"><u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d"><u></u> <u></u></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d"><u></u> <u></u></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d"><u></u> <u></u></span></p>
<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""> <a href="javascript:_e(%7B%7D,'cvml','wsbarp-bounces@lists.wsbarppt.com');" target="_blank">wsbarp-bounces@lists.wsbarppt.com</a> [mailto:<a href="javascript:_e(%7B%7D,'cvml','wsbarp-bounces@lists.wsbarppt.com');" target="_blank">wsbarp-bounces@lists.wsbarppt.com</a>]
<b>On Behalf Of </b>Jim Doran<br>
<b>Sent:</b> Thursday, June 23, 2016 11:04 AM<br>
<b>To:</b> WSBA Real Property Listserv<br>
<b>Subject:</b> Re: [WSBARP] Ownership of home post foreclosure auction<u></u><u></u></span></p>
<p class="MsoNormal"><u></u> <u></u></p>
<div>
<div>
<div>
<p class="MsoNormal" style="margin-bottom:12.0pt">Wendy:<u></u><u></u></p>
</div>
<p class="MsoNormal" style="margin-bottom:12.0pt">I am not clear in my own mind about how the foreclosure process tolls the statute of limitations. In general, how does that work? I am willing to learn. (I try not to but it happens anyway.)
<u></u><u></u></p>
</div>
<p class="MsoNormal">Jim<br>
<u></u><u></u></p>
</div>
<div>
<p class="MsoNormal"><br clear="all">
<u></u><u></u></p>
<div>
<div>
<div>
<div>
<div>
<div>
<div>
<div>
<p class="MsoNormal">James R. Doran<u></u><u></u></p>
</div>
<p class="MsoNormal">Attorney at Law<u></u><u></u></p>
</div>
<p class="MsoNormal">100 E. Pine Street - Suite 205<u></u><u></u></p>
</div>
<p class="MsoNormal">Bellingham, WA 98225<br>
(360)393-9506<u></u><u></u></p>
</div>
<p class="MsoNormal"><a href="javascript:_e(%7B%7D,'cvml','jim@doranlegal.com');" target="_blank">jim@doranlegal.com</a><u></u><u></u></p>
</div>
<p class="MsoNormal"><a href="http://www.doranlegal.com" target="_blank">www.doranlegal.com</a><u></u><u></u></p>
</div>
</div>
</div>
<p class="MsoNormal"><u></u> <u></u></p>
<div>
<p class="MsoNormal">On Thu, Jun 23, 2016 at 10:12 AM, Wendy Walter <<a href="javascript:_e(%7B%7D,'cvml','WWalter@mccarthyholthus.com');" target="_blank">WWalter@mccarthyholthus.com</a>> wrote:<u></u><u></u></p>
<div>
<div>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d">But if the lender was statutorily barred from proceeding to foreclosure because of the pre-foreclosure
diligence, meet and confer requirements, or the mediation program and the potential CFPB delays to proceeding to foreclosure due to the 120 day rule or the bar on dual tracking while reviewing a complete loss mitigation application the SOL defense might not
apply. </span><u></u><u></u></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d"> </span><u></u><u></u></p>
<p class="MsoNormal"><b><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d">Wendy Walter</span></b><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d">
</span><span style="font-size:10.0pt;font-family:"Calibri","sans-serif";color:#1f497d">|</span><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#002060">
</span><span style="font-size:9.0pt;font-family:"Calibri","sans-serif";color:#777777">Partner - Pacific Northwest<i>
</i></span><span style="font-size:10.0pt;font-family:"Calibri","sans-serif";color:#777777">| Member State Bars of WA and OR</span><u></u><u></u></p>
<p class="MsoNormal"><span style="font-size:11.0pt;color:#1f497d">McCarthy
</span><span style="font-size:11.0pt;color:red">♦</span><span style="font-size:11.0pt;color:#1f497d"> Holthus LLP</span><u></u><u></u></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d"> m. 108 1<sup>st</sup> Ave. S., Suite 300, Seattle, WA 98104
</span><u></u><u></u></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d"> d.
<a href="tel:206.596.4844" target="_blank">206.596.4844</a> | f. <a href="tel:206.780.6862" target="_blank">
206.780.6862</a> | c. <a href="tel:425.241.5459" target="_blank">425.241.5459</a></span><u></u><u></u></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d"> e.
<a href="javascript:_e(%7B%7D,'cvml','wwalter@mccarthyholthus.com');" target="_blank"><span style="color:#1f497d">wwalter@mccarthyholthus.com</span></a></span><u></u><u></u></p>
<p class="MsoNormal" align="center" style="text-align:center">
<span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d">Arizona
</span><span style="font-size:11.0pt;font-family:"Arial","sans-serif";color:red">♦</span><span style="font-size:11.0pt;font-family:"Arial","sans-serif";color:#1f497d">
</span><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d">California
</span><span style="font-size:11.0pt;font-family:"Arial","sans-serif";color:red">♦</span><span style="font-size:11.0pt;font-family:"Arial","sans-serif";color:#1f497d">
</span><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d">Colorado
</span><span style="font-size:11.0pt;font-family:"Arial","sans-serif";color:red">♦
</span><span style="font-size:11.0pt;font-family:"Arial","sans-serif";color:#1f497d"> </span><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d">Idaho
</span><span style="font-size:11.0pt;font-family:"Arial","sans-serif";color:red">♦</span><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d"> Nevada
</span><span style="font-size:11.0pt;font-family:"Arial","sans-serif";color:red">♦</span><span style="font-size:11.0pt;font-family:"Arial","sans-serif";color:#1f497d">
</span><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d">New Mexico
</span><span style="font-size:11.0pt;font-family:"Arial","sans-serif";color:red">♦</span><span style="font-size:11.0pt;font-family:"Arial","sans-serif";color:#1f497d">
</span><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d">Oregon
</span><span style="font-size:11.0pt;font-family:"Arial","sans-serif";color:red">♦</span><span style="font-size:11.0pt;font-family:"Arial","sans-serif";color:#1f497d">
</span><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d">Texas
</span><span style="font-size:11.0pt;font-family:"Arial","sans-serif";color:red">♦</span><span style="font-size:11.0pt;font-family:"Arial","sans-serif";color:#1f497d">
</span><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d">Washington</span><u></u><u></u></p>
<p class="MsoNormal" style="text-align:justify">
<span style="font-size:7.5pt;font-family:"Calibri","sans-serif";color:gray">CONFIDENTIALITY NOTICE: The information contained herein may be privileged and protected by the attorney/client and/or other privilege. It is confidential in nature and intended for
use by the intended addressee only. If you are not the intended recipient, you are hereby expressly prohibited from dissemination distribution, copy or any use whatsoever of this transmission and its contents. If you receive this transmission in error, please
reply or call the sender and arrangements will be made to retrieve the originals from you at no charge.</span><u></u><u></u></p>
<p class="MsoNormal"><span style="font-size:7.5pt;font-family:"Calibri","sans-serif";color:red">Federal law requires us to advise you that communication with our office could be interpreted as an attempt
to collect a debt and that any information obtained will be used for that purpose.</span><u></u><u></u></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d"> </span><u></u><u></u></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d"> </span><u></u><u></u></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d"> </span><u></u><u></u></p>
<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"">
<a href="javascript:_e(%7B%7D,'cvml','wsbarp-bounces@lists.wsbarppt.com');" target="_blank">wsbarp-bounces@lists.wsbarppt.com</a> [mailto:<a href="javascript:_e(%7B%7D,'cvml','wsbarp-bounces@lists.wsbarppt.com');" target="_blank">wsbarp-bounces@lists.wsbarppt.com</a>]
<b>On Behalf Of </b>Jim Doran<br>
<b>Sent:</b> Thursday, June 23, 2016 10:09 AM<br>
<b>To:</b> WSBA Real Property Listserv<br>
<b>Subject:</b> Re: [WSBARP] Ownership of home post foreclosure auction</span><u></u><u></u></p>
<p class="MsoNormal"> <u></u><u></u></p>
<div>
<div>
<div>
<p class="MsoNormal" style="margin-bottom:12.0pt">That's what I thought.<u></u><u></u></p>
</div>
<p class="MsoNormal" style="margin-bottom:12.0pt">Now, bring in the Statute of Limitations issue and the debt might be barred completely or at least partially. This depends on the time fromthe "acceleration" of the debt. but certainly
some of the past due payments might have fallen off the debt.<u></u><u></u></p>
</div>
<p class="MsoNormal" style="margin-bottom:12.0pt">Jim Doran<u></u><u></u></p>
</div>
<div>
<p class="MsoNormal"><br clear="all">
<u></u><u></u></p>
<div>
<div>
<div>
<div>
<div>
<div>
<div>
<div>
<p class="MsoNormal">James R. Doran<u></u><u></u></p>
</div>
<p class="MsoNormal">Attorney at Law<u></u><u></u></p>
</div>
<p class="MsoNormal">100 E. Pine Street - Suite 205<u></u><u></u></p>
</div>
<p class="MsoNormal">Bellingham, WA 98225<br>
<a href="tel:%28360%29393-9506" target="_blank">(360)393-9506</a><u></u><u></u></p>
</div>
<p class="MsoNormal"><a href="javascript:_e(%7B%7D,'cvml','jim@doranlegal.com');" target="_blank">jim@doranlegal.com</a><u></u><u></u></p>
</div>
<p class="MsoNormal"><a href="http://www.doranlegal.com" target="_blank">www.doranlegal.com</a><u></u><u></u></p>
</div>
</div>
</div>
<p class="MsoNormal"> <u></u><u></u></p>
<div>
<p class="MsoNormal">On Thu, Jun 23, 2016 at 9:48 AM, Kathryn R. McKinley <<a href="javascript:_e(%7B%7D,'cvml','Kathryn.McKinley@painehamblen.com');" target="_blank">Kathryn.McKinley@painehamblen.com</a>> wrote:<u></u><u></u></p>
<div>
<div>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d">The sale is only “final” if the Trustee accepts an offer and delivers the deed within 15 days. If
that isn’t done, there is no sale and the Deed of Trust continues to encumber the property.</span><u></u><u></u></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d"> </span><u></u><u></u></p>
<p class="MsoNormal"><b><span style="font-family:"Calibri Light","sans-serif";color:#a50021">Kathryn R. McKinley</span></b><u></u><u></u></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Calibri Light","sans-serif"">Partner</span><span style="font-size:14.0pt;font-family:"Monotype Corsiva""><br>
</span><span style="font-size:10.0pt;font-family:"Arial","sans-serif""><img border="0" width="214" height="29" alt="PHEmailLogo"></span><br>
<span style="font-size:10.0pt;font-family:"Calibri Light","sans-serif"">717 W. Sprague Ave. Suite 1200<br>
Spokane, WA 99201<br>
<a href="tel:%28509%29%20455-6000" target="_blank">(509) 455-6000</a></span><span style="font-size:14.0pt;font-family:"Monotype Corsiva""><br>
</span><span style="font-size:10.0pt;font-family:"Arial","sans-serif""><a href="javascript:_e(%7B%7D,'cvml','cindy.bryan@painehamblen.com');" target="_blank"><span style="color:#0563c1">kathryn.mckinley@painehamblen.com</span></a></span><u></u><u></u></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d"> </span><u></u><u></u></p>
<div>
<div style="border:none;border-top:solid #e1e1e1 1.0pt;padding:3.0pt 0in 0in 0in">
<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"">
<a href="javascript:_e(%7B%7D,'cvml','wsbarp-bounces@lists.wsbarppt.com');" target="_blank">wsbarp-bounces@lists.wsbarppt.com</a> [mailto:<a href="javascript:_e(%7B%7D,'cvml','wsbarp-bounces@lists.wsbarppt.com');" target="_blank">wsbarp-bounces@lists.wsbarppt.com</a>]
<b>On Behalf Of </b>Paul Neumiller<br>
<b>Sent:</b> Thursday, June 23, 2016 9:29 AM<br>
<b>To:</b> 'WSBA Real Property Listserv'<br>
<b>Subject:</b> Re: [WSBARP] Ownership of home post foreclosure auction</span><u></u><u></u></p>
</div>
</div>
<p class="MsoNormal"> <u></u><u></u></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d">Whoa!?!?! I have never heard of this. Why would a bank do this?? I would think that the foreclosure
process WAS completed because an auction took place at the court house steps. It’s not the debtor’s fault the bank didn’t credit bid its loan at the sale. Why couldn’t the debtor now make the argument that the loan has been wiped out by the sale and there
is no deficiency opportunity because the lender used a nonjudicial foreclosure? Is anyone else seeing this?
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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"">
<a href="javascript:_e(%7B%7D,'cvml','wsbarp-bounces@lists.wsbarppt.com');" target="_blank">wsbarp-bounces@lists.wsbarppt.com</a> [<a href="javascript:_e(%7B%7D,'cvml','wsbarp-bounces@lists.wsbarppt.com');" target="_blank">mailto:wsbarp-bounces@lists.wsbarppt.com</a>]
<b>On Behalf Of </b>Jim Doran<br>
<b>Sent:</b> Thursday, June 23, 2016 8:06 AM<br>
<b>To:</b> <a href="javascript:_e(%7B%7D,'cvml','attorney@shanapavithran.com');" target="_blank">attorney@shanapavithran.com</a>; WSBA Real Property Listserv <<a href="javascript:_e(%7B%7D,'cvml','wsbarp@lists.wsbarppt.com');" target="_blank">wsbarp@lists.wsbarppt.com</a>><br>
<b>Subject:</b> Re: [WSBARP] Ownership of home post foreclosure auction.</span><u></u><u></u></p>
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<p class="MsoNormal" style="margin-bottom:12.0pt">If the home was not "purchased" at the sale then the foreclosure was not completed. No deed from the Trustee was delivered to a new owner.
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<p class="MsoNormal" style="margin-bottom:12.0pt">This means that your client is still the owner of the property.
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<p class="MsoNormal" style="margin-bottom:12.0pt">There are a number of defenses that can be raised in a foreclosure process to keep the bank and servicer at bay. Now that the great recession of 2008 is getting years past the statute
of limitations defense is looming and working its way through the courts of America. The entire debt or part of it might now be barred.<u></u><u></u></p>
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<p class="MsoNormal" style="margin-bottom:12.0pt">anyway, if you client wants to talk to me a bout tis, or you want to, I am happy to do so. I have been doing "foreclosure defense" for a while now.<u></u><u></u></p>
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<p class="MsoNormal" style="margin-bottom:12.0pt">Jim Doran<u></u><u></u></p>
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<p class="MsoNormal">James R. Doran<u></u><u></u></p>
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<p class="MsoNormal">Attorney at Law<u></u><u></u></p>
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<p class="MsoNormal">100 E. Pine Street - Suite 205<u></u><u></u></p>
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<p class="MsoNormal">Bellingham, WA 98225<br>
<a href="tel:%28360%29393-9506" target="_blank">(360)393-9506</a><u></u><u></u></p>
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<p class="MsoNormal"><a href="javascript:_e(%7B%7D,'cvml','jim@doranlegal.com');" target="_blank">jim@doranlegal.com</a><u></u><u></u></p>
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<p class="MsoNormal"><a href="http://www.doranlegal.com" target="_blank">www.doranlegal.com</a><u></u><u></u></p>
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<p class="MsoNormal">On Thu, Jun 23, 2016 at 4:49 AM, <<a href="javascript:_e(%7B%7D,'cvml','attorney@shanapavithran.com');" target="_blank">attorney@shanapavithran.com</a>> wrote:<u></u><u></u></p>
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<span style="color:black"> I have a client, whose home was foreclosed, pursuant to a trust deed foreclosure. The lender held an auction on 2/5/16. The value of the mortgage was approximately 230K appraised current value is approximately 155K. Though foreclosed,
home was not sold at the auction. The bank did not bid at the auction or transfer ownership of the home to the bank's name. The home remains in the client's name. He still pays the water bill on it. He does not live there right now. What rights does he
have regarding the home? Does the bank own it or does the client own it outright, as the mortgage is discharged by the foreclosure.</span><u></u><u></u></p>
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<span style="color:black">Shana Pavithran<br>
Attorney-at-Law<br>
Pavithran, PLLC.<br>
22525 SE 64th Place, #279<br>
Issaquah, WA 98027</span><u></u><u></u></p>
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<span style="color:black">Telephone: <a href="tel:%28425%29%20557-3625" target="_blank">
(425) 557-3625</a></span><u></u><u></u></p>
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<span style="color:black">Email: <a href="javascript:_e(%7B%7D,'cvml','attorney@shanapavithran.com');" target="_blank">
attorney@shanapavithran.com</a><br>
Website: www. <a href="http://shanapavithran.com" target="_blank">shanapavithran.com</a></span><u></u><u></u></p>
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<b><span style="color:black">CONFIDENTIAL: This email contains confidential and privileged matters. If you receive this email in error please notify sender and delete the email immediately. Do not copy the contents or disseminate the information contained
therein.</span></b><u></u><u></u></p>
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</blockquote><br><br>-- <br><div dir="ltr"><div>Nicholas L. Clapham<br>(206)939-0262<br><br>NOTICE- This email message may contain confidential and privileged <br>information. It is intended only for the named recipent(s) and may contain <br>attorney work product and/or information exempt from disclosure under <br>applicable law. Any unauthorized use is prohibited. If you are not the <br>intended recipient, please contact the sender by reply email and destroy <br>all copies of the original message. This does not constitute an electronic <br>signature.<br><br>Pursuant to U.S. Treasury Department Circular 230 and other IRS <br>regulations, unless we expressly state otherwise, any tax advice contained <br>in this communication (including any attachments) was not intended or <br>written to be used, and cannot be used, for the purpose of (i) avoiding <br>tax-related penalties or (ii) promoting, marketing or recommending to <br>another party any transaction or matter(s) addressed herein. <br><br><br></div></div><br>