<div dir="ltr"><div><div><div><div>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. <br><br></div>This means that your client is still the owner of the property. <br><br></div>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.<br><br></div>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.<br><br></div>Jim Doran<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 4:49 AM, <span dir="ltr"><<a href="mailto:attorney@shanapavithran.com" target="_blank">attorney@shanapavithran.com</a>></span> wrote:<br><blockquote class="gmail_quote" style="margin:0 0 0 .8ex;border-left:1px #ccc solid;padding-left:1ex"><div><div style="color:#000;background-color:#fff;font-family:times new roman,new york,times,serif;font-size:16px"><div><span></span></div><div></div><div> 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.</div><div><br></div><div><br></div><div><div style="MARGIN:0in 0in 0pt"><span style="FONT-FAMILY:'Monotype Corsiva'"><font face="times new roman, new york, times, serif" size="3">Shana Pavithran<br>Attorney-at-Law<br>Pavithran, PLLC.<br>22525 SE 64th Place, #279<br>Issaquah, WA 98027<br></font></span></div><font size="3"><font face="times new roman, new york, times, serif"></font></font><div style="MARGIN:0in 0in 0pt"><span style="FONT-FAMILY:'Monotype Corsiva'"><font face="times new roman, new york, times, serif" size="3">Telephone: <a href="tel:%28425%29%20557-3625" value="+14255573625" target="_blank">(425) 557-3625</a></font></span></div><div style="MARGIN:0in 0in 0pt"><span style="FONT-FAMILY:'Monotype Corsiva'"></span><span style="FONT-FAMILY:'Monotype Corsiva'"><font face="times new roman, new york, times, serif" size="3">Email: <a href="mailto:attorney@shanapavithran.com" target="_blank">attorney@shanapavithran.com</a></font></span><br><span style="font-size:12.0pt">Website:
www. <a href="http://shanapavithran.com" target="_blank">shanapavithran.com</a><br><br><br></span>
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