<div dir="ltr"><div><div><div>This Cranberry cawse is the one that got me started on the SOL analysis.<br><br></div>wendy added in the periods of the tolling of the SOL during a pre-foreclosure and the foreclosure process. If you extract the time that the SOL was tolled, then the SOL may apply to eliminate some of the payments and maybe all of the payments if enough time has gone by from some sort of "acceleration".<br><br></div>The lenders and servicers do all kinds of strange things. I have one case where a modification offer from the servicer states that the loan was accelerated years a go but the borrower had never received an "acceleration" notice. I want to bootstrap the current written statement into the past but I don't think it will fly.<br><br></div>Jim <br><div><div><br> <br></div></div></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 1:06 PM, K. Garl Long <span dir="ltr"><<a href="mailto:Garl@longlaw.biz" target="_blank">Garl@longlaw.biz</a>></span> wrote:<br><blockquote class="gmail_quote" style="margin:0 0 0 .8ex;border-left:1px #ccc solid;padding-left:1ex">
<div bgcolor="#FFFFFF" text="#000000">
Attached unpublished opinion finds that the SOL ran despite the
filing and dismissal of a judicial foreclosure. Should a failed
nonjudicial be treated differently? <br>
<br>
K. Garl Long<br>
<br>
<div>On 06/23/2016 12:30 PM, NC wrote:<br>
</div>
<blockquote type="cite">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" target="_blank"></a><a href="mailto:WWalter@mccarthyholthus.com" target="_blank">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 link="blue" vlink="purple" lang="EN-US">
<div>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d">Jim,</span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d"> </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.
</span></p>
<p class="MsoNormal" style="margin-right:0in;margin-bottom:3.75pt;margin-left:0in">
<b>RCW 4.16.230</b></p>
<p class="MsoNormal" style="margin-right:0in;margin-bottom:3.75pt;margin-left:0in">
<b>Statute tolled by judicial proceedings.</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.</p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d"> </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.</span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif""> </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.</span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d"> </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</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</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
</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></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><span style="color:#1f497d"></span></a><a href="mailto:wwalter@mccarthyholthus.com" target="_blank">wwalter@mccarthyholthus.com</a></span><u><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d"></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</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
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<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d"> </span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d"> </span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d"> </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>wsbarp-bounces@lists.wsbarppt.com</a>
[mailto:<a>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</span></p>
<p class="MsoNormal"> </p>
<div>
<div>
<div>
<p class="MsoNormal" style="margin-bottom:12.0pt">Wendy:</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.)
</p>
</div>
<p class="MsoNormal">Jim<br>
</p>
</div>
<div>
<p class="MsoNormal"><br clear="all">
</p>
<div>
<div>
<div>
<div>
<div>
<div>
<div>
<div>
<p class="MsoNormal">James R. Doran</p>
</div>
<p class="MsoNormal">Attorney at Law</p>
</div>
<p class="MsoNormal">100 E. Pine Street -
Suite 205</p>
</div>
<p class="MsoNormal">Bellingham, WA 98225<br>
<a href="tel:%28360%29393-9506" value="+13603939506" target="_blank">(360)393-9506</a></p>
</div>
<p class="MsoNormal"><a>jim@doranlegal.com</a></p>
</div>
<p class="MsoNormal"><a href="http://www.doranlegal.com" target="_blank">www.doranlegal.com</a></p>
</div>
</div>
</div>
<p class="MsoNormal"> </p>
<div>
<p class="MsoNormal">On Thu, Jun 23, 2016 at 10:12 AM,
Wendy Walter <<a>WWalter@mccarthyholthus.com</a>>
wrote:</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></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d"> </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</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</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
</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" 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></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d">
e.
<a><span style="color:#1f497d">wwalter@mccarthyholthus.com</span></a></span></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</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.</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></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d"> </span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d"> </span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d"> </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>wsbarp-bounces@lists.wsbarppt.com</a>
[mailto:<a>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></p>
<p class="MsoNormal"> </p>
<div>
<div>
<div>
<p class="MsoNormal" style="margin-bottom:12.0pt">That's what I
thought.</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.</p>
</div>
<p class="MsoNormal" style="margin-bottom:12.0pt">Jim
Doran</p>
</div>
<div>
<p class="MsoNormal"><br clear="all">
</p>
<div>
<div>
<div>
<div>
<div>
<div>
<div>
<div>
<p class="MsoNormal">James R.
Doran</p>
</div>
<p class="MsoNormal">Attorney at Law</p>
</div>
<p class="MsoNormal">100 E. Pine
Street - Suite 205</p>
</div>
<p class="MsoNormal">Bellingham, WA
98225<br>
<a href="tel:%28360%29393-9506" target="_blank">(360)393-9506</a></p>
</div>
<p class="MsoNormal"><a></a><a href="mailto:jim@doranlegal.com" target="_blank">jim@doranlegal.com</a></p>
</div>
<p class="MsoNormal"><a href="http://www.doranlegal.com" target="_blank"></a><a href="http://www.doranlegal.com" target="_blank">www.doranlegal.com</a></p>
</div>
</div>
</div>
<p class="MsoNormal"> </p>
<div>
<p class="MsoNormal">On Thu, Jun 23, 2016 at
9:48 AM, Kathryn R. McKinley <<a></a><a href="mailto:Kathryn.McKinley@painehamblen.com" target="_blank">Kathryn.McKinley@painehamblen.com</a>>
wrote:</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></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d"> </span></p>
<p class="MsoNormal"><b><span>Kathryn
R. McKinley</span></b></p>
<p class="MsoNormal"><span>Partner</span><span><br>
</span><span style="font-size:10.0pt;font-family:"Arial","sans-serif""><img alt="PHEmailLogo" border="0" height="29" width="214"></span><br>
<span>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><br>
</span><span style="font-size:10.0pt;font-family:"Arial","sans-serif""><a><span style="color:#0563c1"></span></a><a href="mailto:kathryn.mckinley@painehamblen.com" target="_blank">kathryn.mckinley@painehamblen.com</a></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d"> </span></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>wsbarp-bounces@lists.wsbarppt.com</a>
[mailto:<a>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></p>
</div>
</div>
<p class="MsoNormal"> </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></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d"> </span></p>
<p class="MsoNormal"><a name="m_4915976424710467207_m_2696558894975217755_m_7739787834401186304_m_-850727223725667"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d"><img border="0" height="225" width="375"></span></a></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1f497d"> </span></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>wsbarp-bounces@lists.wsbarppt.com</a>
[<a>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>attorney@shanapavithran.com</a>;
WSBA Real Property Listserv <<a></a><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></p>
<p class="MsoNormal"> </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.
</p>
</div>
<p class="MsoNormal" style="margin-bottom:12.0pt">This
means that your client is still
the owner of the property.
</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.</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.</p>
</div>
<p class="MsoNormal" style="margin-bottom:12.0pt">Jim Doran</p>
</div>
<div>
<p class="MsoNormal"><br clear="all">
</p>
<div>
<div>
<div>
<div>
<div>
<div>
<div>
<div>
<p class="MsoNormal">James
R. Doran</p>
</div>
<p class="MsoNormal">Attorney
at Law</p>
</div>
<p class="MsoNormal">100 E.
Pine Street - Suite 205</p>
</div>
<p class="MsoNormal">Bellingham,
WA 98225<br>
<a href="tel:%28360%29393-9506" target="_blank">(360)393-9506</a></p>
</div>
<p class="MsoNormal"><a></a><a href="mailto:jim@doranlegal.com" target="_blank">jim@doranlegal.com</a></p>
</div>
<p class="MsoNormal"><a href="http://www.doranlegal.com" target="_blank"></a><a href="http://www.doranlegal.com" target="_blank">www.doranlegal.com</a></p>
</div>
</div>
</div>
<p class="MsoNormal"> </p>
<div>
<p class="MsoNormal">On Thu, Jun 23,
2016 at 4:49 AM, <<a></a><a href="mailto:attorney@shanapavithran.com" target="_blank">attorney@shanapavithran.com</a>>
wrote:</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></p>
</div>
<div>
<p class="MsoNormal" style="background:white">
<span style="color:black"> </span></p>
</div>
<div>
<p class="MsoNormal" style="background:white">
<span style="color:black"> </span></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></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></p>
</div>
<div>
<p class="MsoNormal" style="margin-bottom:12.0pt;background:white">
<span style="color:black">Email:
<a>
attorney@shanapavithran.com</a><br>
Website: www. <a href="http://shanapavithran.com" target="_blank">shanapavithran.com</a></span></p>
<div>
<p class="MsoNormal" style="background:white">
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<p class="MsoNormal" style="background:white">
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<p class="MsoNormal"><br>
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</blockquote>
<br>
<br>
-- <br>
<div dir="ltr">
<div>Nicholas L. Clapham<br>
<a href="tel:%28206%29939-0262" value="+12069390262" target="_blank">(206)939-0262</a><br>
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