<div dir="ltr"><div><div>Wendy:<br><br></div>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.) <br><br></div>Jim<br> <br></div><div class="gmail_extra"><br clear="all"><div><div class="gmail_signature" data-smartmail="gmail_signature"><div dir="ltr"><div><div><div><div><div>James R. Doran<br></div>Attorney at Law<br></div>100 E. Pine Street - Suite 205<br></div>Bellingham, WA 98225<br>(360)393-9506<br></div><a href="mailto:jim@doranlegal.com" target="_blank">jim@doranlegal.com</a><br></div><a href="http://www.doranlegal.com" target="_blank">www.doranlegal.com</a><br></div></div></div>
<br><div class="gmail_quote">On Thu, Jun 23, 2016 at 10:12 AM, Wendy Walter <span dir="ltr"><<a href="mailto:WWalter@mccarthyholthus.com" target="_blank">WWalter@mccarthyholthus.com</a>></span> wrote:<br><blockquote class="gmail_quote" style="margin:0 0 0 .8ex;border-left:1px #ccc solid;padding-left:1ex">
<div link="blue" vlink="purple" lang="EN-US">
<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.
<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. <a href="tel:206.596.4844" value="+12065964844" target="_blank">206.596.4844</a> | f. <a href="tel:206.780.6862" value="+12067806862" target="_blank">206.780.6862</a> | c. <a href="tel:425.241.5459" value="+14252415459" target="_blank">425.241.5459</a><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="mailto: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" style="text-align:center" 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
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<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="mailto:wsbarp-bounces@lists.wsbarppt.com" target="_blank">wsbarp-bounces@lists.wsbarppt.com</a> [mailto:<a href="mailto: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<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">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" value="+13603939506" target="_blank">(360)393-9506</a><u></u><u></u></p>
</div>
<p class="MsoNormal"><a href="mailto: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="mailto: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 src="cid:image001.jpg@01D1CD37.AEE1BD20" alt="PHEmailLogo" border="0" height="29" width="214"></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="mailto: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="mailto:wsbarp-bounces@lists.wsbarppt.com" target="_blank">wsbarp-bounces@lists.wsbarppt.com</a> [mailto:<a href="mailto: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?
</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"><a name="m_7739787834401186304_m_-8507272237256670605_Paul_Neumiller"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d"><img src="cid:image002.jpg@01D1CD37.AEE1BD20" border="0" height="225" width="375"></span></a><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"">From:</span></b><span style="font-size:11.0pt;font-family:"Calibri","sans-serif"">
<a href="mailto:wsbarp-bounces@lists.wsbarppt.com" target="_blank">wsbarp-bounces@lists.wsbarppt.com</a> [<a href="mailto: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="mailto:attorney@shanapavithran.com" target="_blank">attorney@shanapavithran.com</a>; WSBA Real Property Listserv <<a href="mailto: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>
<p class="MsoNormal"> <u></u><u></u></p>
<div>
<div>
<div>
<div>
<div>
<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.
<u></u><u></u></p>
</div>
<p class="MsoNormal" style="margin-bottom:12.0pt">This means that your client is still the owner of the property.
<u></u><u></u></p>
</div>
<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>
</div>
<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>
</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="mailto: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 4:49 AM, <<a href="mailto:attorney@shanapavithran.com" target="_blank">attorney@shanapavithran.com</a>> wrote:<u></u><u></u></p>
<blockquote style="border:none;border-left:solid #cccccc 1.0pt;padding:0in 0in 0in 6.0pt;margin-left:4.8pt;margin-top:5.0pt;margin-right:0in;margin-bottom:5.0pt">
<div>
<div>
<div>
<p class="MsoNormal" style="background:white">
<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>
</div>
<div>
<p class="MsoNormal" style="background:white">
<span style="color:black"> </span><u></u><u></u></p>
</div>
<div>
<p class="MsoNormal" style="background:white">
<span style="color:black"> </span><u></u><u></u></p>
</div>
<div>
<div>
<p class="MsoNormal" style="background:white">
<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>
</div>
<div>
<p class="MsoNormal" style="background:white">
<span style="color:black">Telephone: <a href="tel:%28425%29%20557-3625" target="_blank">
(425) 557-3625</a></span><u></u><u></u></p>
</div>
<div>
<p class="MsoNormal" style="margin-bottom:12.0pt;background:white">
<span style="color:black">Email: <a href="mailto: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>
<div>
<p class="MsoNormal" style="background:white">
<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>
</div>
<p class="MsoNormal" style="background:white">
<span style="color:black"> </span><u></u><u></u></p>
</div>
</div>
</div>
</div>
<p class="MsoNormal"><br>
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</blockquote>
</div>
<p class="MsoNormal"> <u></u><u></u></p>
</div>
</div>
</div>
<p class="MsoNormal"><br>
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<p class="MsoNormal"><u></u> <u></u></p>
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