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</o:shapelayout></xml><![endif]--></head><body lang=EN-US link="#0563C1" vlink="#954F72"><div class=WordSection1><p class=MsoNormal><span style='font-size:14.0pt'>This is what I have learned about buying at trustee or sheriff sales:<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt'><o:p> </o:p></span></p><p class=MsoListParagraph style='text-indent:-.25in;mso-list:l0 level1 lfo1'><![if !supportLists]><span style='font-size:14.0pt'><span style='mso-list:Ignore'>1.<span style='font:7.0pt "Times New Roman"'>    </span></span></span><![endif]><span style='font-size:14.0pt'>title. Either buy a guarantee, or at least an ownership history, from a title company. At a bare minimum have someone who understands how to do this look at the Auditor's files, knowing that they make indexing mistakes often. Best to spend the money on a title company. Run the owners' names through the auditor and court files to see if there are any judgments. <o:p></o:p></span></p><p class=MsoListParagraph style='text-indent:-.25in;mso-list:l0 level1 lfo1'><![if !supportLists]><span style='font-size:14.0pt'><span style='mso-list:Ignore'>2.<span style='font:7.0pt "Times New Roman"'>    </span></span></span><![endif]><span style='font-size:14.0pt'>find out from the trustee whom they notified at every event, in writing. Trustees often do incomplete work around identifying and noticing subordinate interest holders who would be foreclosed out but weren't notified. <o:p></o:p></span></p><p class=MsoListParagraph style='text-indent:-.25in;mso-list:l0 level1 lfo1'><![if !supportLists]><span style='font-size:14.0pt'><span style='mso-list:Ignore'>3.<span style='font:7.0pt "Times New Roman"'>    </span></span></span><![endif]><span style='font-size:14.0pt'>if anything comes up, be merciless in running it to the ground. Unreconveyed but obviously paid off deeds of trust, unfulfilled real estate contracts 45 years ago, plats with easements in them, everything.<o:p></o:p></span></p><p class=MsoListParagraph style='text-indent:-.25in;mso-list:l0 level1 lfo1'><![if !supportLists]><span style='font-size:14.0pt'><span style='mso-list:Ignore'>4.<span style='font:7.0pt "Times New Roman"'>    </span></span></span><![endif]><span style='font-size:14.0pt'>go to the county and/or city and look at their building and planning and health department (septic, well) files. Any issues, be merciless. Do not just hope they will go away.<o:p></o:p></span></p><p class=MsoListParagraph style='text-indent:-.25in;mso-list:l0 level1 lfo1'><![if !supportLists]><span style='font-size:14.0pt'><span style='mso-list:Ignore'>5.<span style='font:7.0pt "Times New Roman"'>    </span></span></span><![endif]><span style='font-size:14.0pt'>go look at it for encroachments and so on. If you can, talk to the neighbors. Look at it as carefully as you can for condition issues.<o:p></o:p></span></p><p class=MsoListParagraph style='text-indent:-.25in;mso-list:l0 level1 lfo1'><![if !supportLists]><span style='font-size:14.0pt'><span style='mso-list:Ignore'>6.<span style='font:7.0pt "Times New Roman"'>    </span></span></span><![endif]><span style='font-size:14.0pt'>if it is in a HOA, talk to them about their issues.<o:p></o:p></span></p><p class=MsoListParagraph style='text-indent:-.25in;mso-list:l0 level1 lfo1'><![if !supportLists]><span style='font-size:14.0pt'><span style='mso-list:Ignore'>7.<span style='font:7.0pt "Times New Roman"'>    </span></span></span><![endif]><span style='font-size:14.0pt'>absolutely understand the property tax status. <o:p></o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt'>Others will be able to add to this list. <o:p></o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt'>If everything is clean, great. If not, none of the problems are likely to go away just because you want them to later on. This is not as easy a path to free money as it sometimes seems. <o:p></o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt'>Rob<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt'><o:p> </o:p></span></p><div><p class=MsoNormal style='text-autospace:none'><span style='font-size:14.0pt'>Robert D. Wilson-Hoss <br>Hoss & Wilson-Hoss, LLP <br>236 West Birch Street <br>Shelton, WA 98584 <br>360 426-2999<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt'><a href="www.hossandwilsonhoss.com"><span style='color:blue'>www.hossandwilsonhoss.com</span></a><br><a href="mailto:rob@hctc.com"><span style='color:blue'>rob@hctc.com</span></a></span><span style='font-size:11.0pt;font-family:"Calibri","sans-serif"'><o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif"'><o:p> </o:p></span></p><p class=MsoNormal style='text-autospace:none'><i><span style='font-size:11.0pt'>This message is intended solely for the use of the addressee and may contain information that is privileged, confidential, and exempt from disclosure under applicable law.  If you are not the addressee, you are hereby notified that any use, distribution, or copying of this message is strictly prohibited.  If you received this message in error, please notify us by reply e-mail or by telephone (call us collect at the number listed above) and immediately delete this message and any and all of its attachments.  Thank you.<o:p></o:p></span></i></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif"'><o:p> </o:p></span></p><p class=MsoNormal><b><span style='font-size:10.0pt;text-transform:uppercase'>This office does debt collection and this e-mail may be an attempt to collect a debt, Any information obtained will be used for that purpose.  </span></b><span style='font-size:10.0pt'>To the extent the Federal Fair Debt Collection Practices Act (15 U.S.C. § 1692) applies this firm is acting as a debt collector for the condominium/homeowners' association named above to collect a debt owed to it. Any information obtained will be used for collection purposes. You have the right to seek advice of legal counsel.</span><span style='font-size:11.0pt;font-family:"Calibri","sans-serif"'><o:p></o:p></span></p></div><p class=MsoNormal><span style='font-size:14.0pt'><o:p> </o:p></span></p><div><div style='border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0in 0in 0in'><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"'> wsbarp-bounces@lists.wsbarppt.com [mailto:wsbarp-bounces@lists.wsbarppt.com] <b>On Behalf Of </b>nestor@pplsweb.com<br><b>Sent:</b> Thursday, November 08, 2018 9:15 AM<br><b>To:</b> 'WSBA Real Property Listserv'<br><b>Subject:</b> Re: [WSBARP] Trustee Sale Lien Notice continued....<o:p></o:p></span></p></div></div><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif"'>Wise advice. I have seen numerous times where a party bought a property at a foreclosure or Trustee sale, and not realize that the sale was based upon  a second mortgage or HOA.  The excuse was they didn’t think a title search or investigation was necessary.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif"'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif"'>Keep in mind the cost of re-foreclose, and consider offering them some money for a release of judgment lien.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif"'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:black'>Nestor Gorfinkel, Attorney at Law<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:black'>Licensed in Washington & Florida<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:black'>Florida Civil-Law (International) Notary<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:black'><o:p> </o:p></span></p><p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Calibri","sans-serif";color:black'>ATTENTION - This e-mail message and any attachment to this e-mail message may contain confidential information that is legally privileged. If you are not the intended recipient, you must not review, retransmit, convert to hard copy, copy, use or disseminate this e-mail or any attachments to it. If you have received this e-mail in error, please notify us immediately by return e-mail or by telephone at the phone numbers provided herein and delete this message. Please note that if this e-mail message contains a forwarded message or is a reply to a prior message, some or all of the contents of this message or any attachments may not have been produced by the sender.<o:p></o:p></span></b></p><p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Calibri","sans-serif";color:black'><o:p> </o:p></span></b></p><p class=MsoNormal><b><span style='font-size:24.0pt;font-family:Webdings;color:#009900'>P</span></b><b><span style='font-size:24.0pt;font-family:"Calibri","sans-serif";color:#009900'> </span></b><b><span style='font-size:9.0pt;font-family:"Verdana","sans-serif";color:#009900'>Please consider the environment before printing this e-mail.</span></b><span style='font-size:11.0pt;font-family:"Century Schoolbook";color:black'><o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif"'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif"'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif"'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif"'><o:p> </o:p></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"'> wsbarp-bounces@lists.wsbarppt.com <wsbarp-bounces@lists.wsbarppt.com> <b>On Behalf Of </b>Rod Harmon<br><b>Sent:</b> Wednesday, November 7, 2018 11:39 PM<br><b>To:</b> WSBA Real Property Listserv <wsbarp@lists.wsbarppt.com><br><b>Subject:</b> Re: [WSBARP] Trustee Sale Lien Notice continued....<o:p></o:p></span></p></div></div><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>This is why I don’t let my clients buy at trustee sales unless I have done a title search and prepared an abstract, and reviewed the trustee’s records to make sure it gave notice to all the parties with a lien or interest in the property.  And then told them not to do it anyway.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>The criminal judgment doesn’t get a gratuitous bump-up in priority, though.  Your client is subrogated to the beneficiary’s position. The solution for your client is re-foreclosure to eliminate the criminal judgment.  <o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif"'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:13.0pt;font-family:"Arial","sans-serif";color:#1F497D'>Rod Harmon</span><span style='font-size:11.0pt;font-family:"Calibri","sans-serif"'><o:p></o:p></span></p><p class=MsoNormal><b><span style='font-size:13.0pt;font-family:"Arial","sans-serif";color:#1F497D'> </span></b><span style='font-size:11.0pt;font-family:"Calibri","sans-serif"'><o:p></o:p></span></p><p class=MsoNormal><b><span style='font-size:13.0pt;font-family:"Arial","sans-serif";color:#1F497D'>RODNEY T. HARMON</span></b><span style='font-size:11.0pt;font-family:"Calibri","sans-serif"'><o:p></o:p></span></p><p class=MsoNormal><b><span style='font-size:11.0pt;font-family:"Arial","sans-serif";color:#1F497D'>       Attorney at Law</span></b><span style='font-size:11.0pt;font-family:"Calibri","sans-serif"'><o:p></o:p></span></p><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:#1F497D'>         P.O. Box 1066</span><span style='font-size:11.0pt;font-family:"Calibri","sans-serif"'><o:p></o:p></span></p><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:#1F497D'>      Bothell, WA   98041</span><span style='font-size:11.0pt;font-family:"Calibri","sans-serif"'><o:p></o:p></span></p><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:#1F497D'>     Tel:   (425) 402-7800</span><span style='font-size:11.0pt;font-family:"Calibri","sans-serif"'><o:p></o:p></span></p><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:#1F497D'>     Fax:  (425) 458-9096</span><span style='font-size:11.0pt;font-family:"Calibri","sans-serif"'><o:p></o:p></span></p><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:#1F497D'>    <a href="http://www.rodharmon.com">www.rodharmon.com</a></span><span style='font-size:11.0pt;font-family:"Calibri","sans-serif"'><o:p></o:p></span></p><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:#1F497D'>   <a href="mailto:rodharmon@msn.com">rodharmon@msn.com</a></span><span style='font-size:11.0pt;font-family:"Calibri","sans-serif"'><o:p></o:p></span></p><p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:11.0pt;font-family:"Calibri","sans-serif"'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif"'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></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 href="mailto:wsbarp-bounces@lists.wsbarppt.com">wsbarp-bounces@lists.wsbarppt.com</a> [<a href="mailto:wsbarp-bounces@lists.wsbarppt.com">mailto:wsbarp-bounces@lists.wsbarppt.com</a>] <b>On Behalf Of </b>Bess Derting<br><b>Sent:</b> Wednesday, November 7, 2018 12:01 PM<br><b>To:</b> WSBA Real Property Listserv <<a href="mailto:wsbarp@lists.wsbarppt.com">wsbarp@lists.wsbarppt.com</a>><br><b>Subject:</b> [WSBARP] Trustee Sale Lien Notice continued....<o:p></o:p></span></p><p class=MsoNormal><o:p> </o:p></p><div><div><p class=MsoNormal>   The prior email sent too early!!  Here is the rest:     <o:p></o:p></p></div><div><p class=MsoNormal><o:p> </o:p></p></div><div><p class=MsoNormal>         Client purchased property at a Trustee's Sale in May 2018.  <o:p></o:p></p></div><div><p class=MsoNormal>         Client remodeled the house and put it up for sale.  <o:p></o:p></p></div><div><p class=MsoNormal>          A Superior Court criminal judgment for $25,728 appeared on title for a 2014 monetary judgment against the previous landowner.<o:p></o:p></p></div><div><p class=MsoNormal>           The Trustee did not give notice of the foreclosure to the judgement creditor<o:p></o:p></p></div><div><p class=MsoNormal>            The Trustee did not obtain a Trustee's Sale Guarantee, instead they obtained a "Two Owner Foreclosure Report" from Title Solutions, Inc.  The report only showed documents recorded with the County Auditor, it did not show the criminal judgment.  At the end of the report the following language appears <i>"This information is taken from the public record and is made available for your use.  This is not to be interpreted as a title report or condition of title; we assume no responsibility for its contents".</i><o:p></o:p></p></div><div><div><p class=MsoNormal>            Since the criminal judgment creditor did not receive notice of the Trustee's Sale the title company still shows the criminal judgment on title.<o:p></o:p></p></div><div><p class=MsoNormal>           The Trustee denies it was their responsibility to give notice to ALL lien holders.<o:p></o:p></p></div><div><p class=MsoNormal><o:p> </o:p></p></div><div><p class=MsoNormal>Suggestions? Case Law?<o:p></o:p></p></div></div><div><p class=MsoNormal>  <o:p></o:p></p></div><div><p class=MsoNormal>Thank you!<o:p></o:p></p></div><p class=MsoNormal><br>-- <o:p></o:p></p><div><div><div><p class=MsoNormal><span style='font-size:13.5pt;font-family:"Garamond","serif"'>Mary E. (Bess) Derting<br><br>Derting & Appel, PLLC<br>Attorneys At Law<br>P.O. Box 845<br>112 N. Second Ave.<br>Okanogan, WA 98840<br>Ph:  509-422-1601<br>Fax:  866-238-7585<br></span><br><br>CONFIDENTIALITY NOTICE:<br> <br>This e-mail transmission may contain information which is protected by attorney-client, work product and/or other privileges.  If you are not the intended recipient, you are notified that any disclosure of, or taking of, any action in reliance upon the contents hereof is strictly prohibited.  If you have received this transmission in error, please contact us immediately and return the e-mail to us by choosing REPLY or equivalent function and then delete the e-mail.<o:p></o:p></p></div></div></div></div></div><div id="DAB4FAD8-2DD7-40BB-A1B8-4E2AA1F9FDF2">
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                                This email has been checked for viruses by AVG antivirus software.
                                <br><a href="https://www.avg.com/internet-security">www.avg.com</a>
                        </p>
                </td>
        </tr>
</table>
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