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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: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",serif;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></body></html>