<html xmlns:v="urn:schemas-microsoft-com:vml" xmlns:o="urn:schemas-microsoft-com:office:office" xmlns:w="urn:schemas-microsoft-com:office:word" xmlns:m="http://schemas.microsoft.com/office/2004/12/omml" xmlns="http://www.w3.org/TR/REC-html40"><head><meta http-equiv=Content-Type content="text/html; charset=utf-8"><meta name=Generator content="Microsoft Word 15 (filtered medium)"><!--[if !mso]><style>v\:* {behavior:url(#default#VML);}
o\:* {behavior:url(#default#VML);}
w\:* {behavior:url(#default#VML);}
.shape {behavior:url(#default#VML);}
</style><![endif]--><style><!--
/* Font Definitions */
@font-face
{font-family:"Cambria Math";
panose-1:2 4 5 3 5 4 6 3 2 4;}
@font-face
{font-family:Calibri;
panose-1:2 15 5 2 2 2 4 3 2 4;}
/* Style Definitions */
p.MsoNormal, li.MsoNormal, div.MsoNormal
{margin:0in;
margin-bottom:.0001pt;
font-size:11.0pt;
font-family:"Calibri",sans-serif;}
a:link, span.MsoHyperlink
{mso-style-priority:99;
color:blue;
text-decoration:underline;}
a:visited, span.MsoHyperlinkFollowed
{mso-style-priority:99;
color:purple;
text-decoration:underline;}
p.msonormal0, li.msonormal0, div.msonormal0
{mso-style-name:msonormal;
margin:0in;
margin-bottom:.0001pt;
font-size:11.0pt;
font-family:"Calibri",sans-serif;}
p.xmsonormal, li.xmsonormal, div.xmsonormal
{mso-style-name:x_msonormal;
margin:0in;
margin-bottom:.0001pt;
font-size:11.0pt;
font-family:"Calibri",sans-serif;}
span.EmailStyle20
{mso-style-type:personal-reply;
font-family:"Arial",sans-serif;
color:#1F497D;
font-weight:normal;
font-style:normal;
text-decoration:none none;}
.MsoChpDefault
{mso-style-type:export-only;
font-size:10.0pt;}
@page WordSection1
{size:8.5in 11.0in;
margin:1.0in 1.0in 1.0in 1.0in;}
div.WordSection1
{page:WordSection1;}
--></style><!--[if gte mso 9]><xml>
<o:shapedefaults v:ext="edit" spidmax="1026" />
</xml><![endif]--><!--[if gte mso 9]><xml>
<o:shapelayout v:ext="edit">
<o:idmap v:ext="edit" data="1" />
</o:shapelayout></xml><![endif]--></head><body lang=EN-US link=blue vlink=purple><div class=WordSection1><p class=MsoNormal><span style='font-family:"Arial",sans-serif;color:#1F497D'>Dewey,<o:p></o:p></span></p><p class=MsoNormal><span style='font-family:"Arial",sans-serif;color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-family:"Arial",sans-serif;color:#1F497D'>Assuming the Deed of Trust (or Deeds of Trust if a HUD insured reverse mortgage) provides that the Grantor must keep the taxes and insurance paid, then failure to pay would be a reason to foreclosure. I assume since you are talking about a MSJ this is this a judicial foreclosure? <o:p></o:p></span></p><p class=MsoNormal><span style='font-family:"Arial",sans-serif;color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-family:"Arial",sans-serif;color:#1F497D'>If paying the taxes and insurance is your client’s obligation and she hasn’t paid, then one option is for her to pay both directly if anyone in her family has the money to help her. But, if your research indicates that she had paid, then a simple affidavit from her with any documentary evidence you have would certainly preclude a Judge granting summary judgment against a 91 year old lady. <o:p></o:p></span></p><p class=MsoNormal><span style='font-family:"Arial",sans-serif;color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-family:"Arial",sans-serif;color:#1F497D'>Also, check if there was an escrow account set up that is supposed to pay the taxes and insurance and if so, how is it funded. I would expect the lender (Beneficiary) would be the one paying the taxes and insurance from an escrow account that was either funded by your client by monthly payments or perhaps some of the upfront money was put into the escrow account to make payments.<o:p></o:p></span></p><p class=MsoNormal><span style='font-family:"Arial",sans-serif;color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-family:"Arial",sans-serif;color:#1F497D'>The devil is in the details.<o:p></o:p></span></p><p class=MsoNormal><span style='font-family:"Arial",sans-serif;color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-family:"Arial",sans-serif;color:#1F497D'>Sincerely,<o:p></o:p></span></p><p class=MsoNormal><span style='font-family:"Arial",sans-serif;color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-family:"Arial",sans-serif;color:#1F497D'>Tom<o:p></o:p></span></p><p class=MsoNormal><span style='font-family:"Arial",sans-serif;color:#1F497D'> <o:p></o:p></span></p><p class=MsoNormal><span style='font-family:"Arial",sans-serif;color:#1F497D'>Thomas J. Westbrook<o:p></o:p></span></p><p class=MsoNormal><span style='font-family:"Arial",sans-serif;color:#1F497D'>Attorney at Law<o:p></o:p></span></p><p class=MsoNormal><span style='font-family:"Arial",sans-serif;color:#1F497D'> <o:p></o:p></span></p><p class=MsoNormal><span style='font-family:"Arial",sans-serif;color:#1F497D'><img width=222 height=77 style='width:2.3125in;height:.802in' id="Picture_x0020_1" src="cid:image003.jpg@01D59496.37E3AA10" alt="whiteRKCS_newlogo50_email_sig"><o:p></o:p></span></p><p class=MsoNormal><span style='font-family:"Arial",sans-serif;color:#1F497D'> <o:p></o:p></span></p><p class=MsoNormal><span style='font-family:"Arial",sans-serif;color:#1F497D'>Rodgers, Kee, Card & Strophy, P.S.<o:p></o:p></span></p><p class=MsoNormal><span style='font-family:"Arial",sans-serif;color:#1F497D'>324 West Bay Drive NW, Suite 201<o:p></o:p></span></p><p class=MsoNormal><span style='font-family:"Arial",sans-serif;color:#1F497D'>Olympia, Washington 98502<o:p></o:p></span></p><p class=MsoNormal><span style='font-family:"Arial",sans-serif;color:#1F497D'> <o:p></o:p></span></p><p class=MsoNormal><span style='font-family:"Arial",sans-serif;color:#1F497D'>Phone: 360-352-8311<o:p></o:p></span></p><p class=MsoNormal><span style='font-family:"Arial",sans-serif;color:#1F497D'>Facsimile: 360-352-8501<o:p></o:p></span></p><p class=MsoNormal><span style='font-family:"Arial",sans-serif;color:#1F497D'>Email: <a href="mailto:tjw@buddbaylaw.com"><span style='color:#0563C1'>tjw@buddbaylaw.com</span></a><o:p></o:p></span></p><p class=MsoNormal><span style='font-family:"Arial",sans-serif;color:#1F497D'>Skype: thomas.westbrook<o:p></o:p></span></p><p class=MsoNormal><span style='font-family:"Arial",sans-serif;color:#1F497D'><a href="http://www.buddbaylaw.com/" target="_BLANK????"><span style='color:#0563C1'>www.buddbaylaw.com</span></a><o:p></o:p></span></p><p class=MsoNormal><span style='font-family:"Arial",sans-serif;color:#1F497D'> <o:p></o:p></span></p><p class=MsoNormal><span style='font-family:"Arial",sans-serif;color:#1F497D'>The information contained in this email and attachment(s) are for the exclusive use of the addressee(s) and may contain private, privileged and/or confidential information. If you are not the addressee, you are strictly prohibited from reading, photocopying, distributing or otherwise using this email or its contents in any way. If you have received this communication in error, please notify us immediately by telephone at 360-352-8311 or by e-mail to <a href="mailto:shannon@buddbaylaw.com"><span style='color:#0563C1'>shannon@buddbaylaw.com</span></a>, and destroy the original message from your electronic files.<o:p></o:p></span></p><p class=MsoNormal><span style='color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-family:"Arial",sans-serif;color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-family:"Arial",sans-serif;color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-family:"Arial",sans-serif;color:#1F497D'><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>From:</b> wsbarp-bounces@lists.wsbarppt.com <wsbarp-bounces@lists.wsbarppt.com> <b>On Behalf Of </b>Dewey Weddle<br><b>Sent:</b> Wednesday, November 6, 2019 10:30 AM<br><b>To:</b> wsbarp@lists.wsbarppt.com<br><b>Subject:</b> [WSBARP] Foreclosure of Reverse Mortgage<o:p></o:p></p></div></div><p class=MsoNormal><o:p> </o:p></p><div><p class=MsoNormal><span style='font-size:14.0pt;font-family:"Times New Roman",serif;color:black'>Esteemed colleagues,</span><span style='font-size:12.0pt;font-family:"Times New Roman",serif;color:black'><o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:12.0pt;font-family:"Times New Roman",serif;color:black'><o:p> </o:p></span></p></div><div><p class=MsoNormal><span style='font-size:14.0pt;font-family:"Times New Roman",serif;color:black'>Financial institution (CIT Bank) is trying to foreclose a reverse mortgage, asserting that property taxes and homeowners insurance were not paid. My research indicates that they are wrong about that, but they are moving forward with a motion for summary judgment on the issue. </span><span style='font-size:12.0pt;font-family:"Times New Roman",serif;color:black'><o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:12.0pt;font-family:"Times New Roman",serif;color:black'><o:p> </o:p></span></p></div><div><p class=MsoNormal><span style='font-size:14.0pt;font-family:"Times New Roman",serif;color:black'>My client is an elderly widow (91) who has been diagnosed with late stage renal failure, gets around with a walker, is tethered to one of those oxygen machines, and cannot be treated with dialysis. In short, her prognosis is poor. </span><span style='font-size:12.0pt;font-family:"Times New Roman",serif;color:black'><o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:12.0pt;font-family:"Times New Roman",serif;color:black'><o:p> </o:p></span></p></div><div><p class=MsoNormal><span style='font-size:14.0pt;font-family:"Times New Roman",serif;color:black'>Do any of you have any insights or arguments I could present in addition to them being wrong about the property taxes and the homeowner's insurance? </span><span style='font-family:"Times New Roman",serif;color:black'><o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:12.0pt;font-family:"Times New Roman",serif;color:black'><o:p> </o:p></span></p></div><div id=Signature><div id=divtagdefaultwrapper><p><span style='font-size:14.0pt;font-family:"Times New Roman",serif;color:black'>Best regards, </span><span style='font-size:12.0pt;font-family:"Times New Roman",serif;color:black'><o:p></o:p></span></p><p><span style='font-size:12.0pt;font-family:"Times New Roman",serif;color:black'><o:p> </o:p></span></p><p><span style='font-size:14.0pt;font-family:"Times New Roman",serif;color:black'>Dewey </span><i><span style='font-size:14.0pt;font-family:"Times New Roman",serif;color:#0C64C0'></span></i><span style='font-size:12.0pt;font-family:"Times New Roman",serif;color:black'><o:p></o:p></span></p><p><span style='font-size:12.0pt;font-family:"Times New Roman",serif;color:black'><o:p> </o:p></span></p><p><span style='font-size:14.0pt;font-family:"Times New Roman",serif;color:black'>Law Office of Dewey W. Weddle, PLLC</span><span style='font-size:12.0pt;font-family:"Times New Roman",serif;color:black'><o:p></o:p></span></p><p><span style='font-size:14.0pt;font-family:"Times New Roman",serif;color:black'>909 7th Street</span><span style='font-size:12.0pt;font-family:"Times New Roman",serif;color:black'><o:p></o:p></span></p><p><span style='font-size:14.0pt;font-family:"Times New Roman",serif;color:black'>Anacortes, WA 98221</span><span style='font-size:12.0pt;font-family:"Times New Roman",serif;color:black'><o:p></o:p></span></p><p><span style='font-size:12.0pt;font-family:"Times New Roman",serif;color:black'><o:p> </o:p></span></p><p><span style='font-size:14.0pt;font-family:"Times New Roman",serif;color:black'>Telephone: 360-293-3600 </span><span style='font-size:12.0pt;font-family:"Times New Roman",serif;color:black'><o:p></o:p></span></p><p><span style='font-size:14.0pt;font-family:"Times New Roman",serif;color:black'>Fax 360-293-3700 </span><span style='font-size:12.0pt;font-family:"Times New Roman",serif;color:black'><o:p></o:p></span></p><p><span style='font-size:12.0pt;font-family:"Times New Roman",serif;color:black'><o:p> </o:p></span></p><p><span style='font-size:12.0pt;font-family:"Times New Roman",serif;color:black'>NOTICE: The receipt of this e-mail does not create an attorney-client relationship. You are not a client of this law office unless you have paid an advance against fees and signed an attorney/client agreement for representation.<o:p></o:p></span></p><p><span style='font-size:12.0pt;font-family:"Times New Roman",serif;color:black'><o:p> </o:p></span></p><p><span style='font-size:12.0pt;font-family:"Times New Roman",serif;color:black'>CONFIDENTIALITY NOTICE: The information contained in this e-mail message, including any attachments, is for the sole use of the intended recipient(s) and may contain confidential and privileged information. Any unauthorized review, use, disclosure or distribution is prohibited. If you are not the intended recipient and have received this communication in error, please contact the sender by reply e-mail and destroy all copies of the original message. Thank you. <o:p></o:p></span></p></div><div><div><p class=MsoNormal><span style='font-size:12.0pt;font-family:"Times New Roman",serif;color:black'><o:p> </o:p></span></p></div><div class=MsoNormal align=center style='text-align:center'><hr size=2 width="98%" align=center></div><div id=divRplyFwdMsg><p class=MsoNormal><o:p> </o:p></p></div><div><div><p class=xmsonormal><o:p> </o:p></p><p class=xmsonormal> <o:p></o:p></p></div></div></div></div></div></body></html>