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</o:shapelayout></xml><![endif]--></head><body lang=EN-US link=blue vlink=purple><div class=WordSection1><p class=MsoNormal><span style='font-size:14.0pt;font-family:"Times New Roman",serif'>Yes, thanks, that’s right, I was just trying to get through too much stuff and forgot to be, well, accurate. The next level is, even though the debtor can discharge personally the pre-filing, the debt remains as a lien, so you go to the question, is the HOA lien prior to the bank? If it is, then problem solved. If it isn’t then if you can amend the documents, do that. If the recorded documents specify that the lender lien is prior, too bad for the HOA, you aren’t going to be able to amend that away, I think. <o:p></o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt;font-family:"Times New Roman",serif'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt;font-family:"Times New Roman",serif'>Rob<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt;font-family:"Times New Roman",serif'><o:p> </o:p></span></p><div><p class=MsoNormal><span style='font-size:14.0pt;font-family:"Times New Roman",serif'>Robert D. Wilson-Hoss<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt;font-family:"Times New Roman",serif'>Hoss & Wilson-Hoss, LLP<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt;font-family:"Times New Roman",serif'>236 West Birch Street<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt;font-family:"Times New Roman",serif'>Shelton, WA 98584<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt;font-family:"Times New Roman",serif'>360 426-2999<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt;font-family:"Times New Roman",serif'>www.hossandwilson-hoss.com<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt;font-family:"Times New Roman",serif'>rob@hctc.com<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt;font-family:"Times New Roman",serif'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt;font-family:"Times New Roman",serif'>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></p><p class=MsoNormal><span style='font-size:14.0pt;font-family:"Times New Roman",serif'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt;font-family:"Times New Roman",serif'>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. 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.<o:p></o:p></span></p></div><p class=MsoNormal><span style='font-size:14.0pt;font-family:"Times New Roman",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>From:</b> wsbarp-bounces@lists.wsbarppt.com <wsbarp-bounces@lists.wsbarppt.com> <b>On Behalf Of </b>Bryce Dille<br><b>Sent:</b> Friday, November 22, 2019 10:26 AM<br><b>To:</b> 'WSBA Real Property Listserv' <wsbarp@lists.wsbarppt.com><br><b>Subject:</b> Re: [WSBARP] What is the best possible outcome in this situation? (HOA debt)<o:p></o:p></p></div></div><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal><span style='color:#1F497D'>I thought that the Bk as to prefilling assessments owed to HOA discharged owner personally but HOA still could go after the property and get an IN Rem judgment in foreclosing their lien after discharge and stay lifted but that as to post filing assessment due after discharge and stay removed HOA could go after owner personally and/ or foreclose their lien.<o:p></o:p></span></p><p class=MsoNormal><span style='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> <a href="mailto:wsbarp-bounces@lists.wsbarppt.com">wsbarp-bounces@lists.wsbarppt.com</a> <<a href="mailto:wsbarp-bounces@lists.wsbarppt.com">wsbarp-bounces@lists.wsbarppt.com</a>> <b>On Behalf Of </b>Rob Wilson-Hoss<br><b>Sent:</b> Friday, November 22, 2019 10:03 AM<br><b>To:</b> 'WSBA Real Property Listserv' <<a href="mailto:wsbarp@lists.wsbarppt.com">wsbarp@lists.wsbarppt.com</a>><br><b>Subject:</b> Re: [WSBARP] What is the best possible outcome in this situation? (HOA debt)<o:p></o:p></p></div></div><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal><span style='font-size:14.0pt;font-family:"Times New Roman",serif'>Sorry to come late to this, but this is the evaluation I have been using on behalf of associations for years, regarding bankruptcies. Inge is very much right, but this is what I see practically. I refer to “banks” as if they are all the same, but of course they are not, this applies to the large national banks in particular, local credit unions can be much easier to work with, for example. Anyway:<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt;font-family:"Times New Roman",serif'><o:p> </o:p></span></p><ul style='margin-top:0in' type=disc><li class=MsoNormal style='margin-left:3.75pt;mso-list:l0 level1 lfo2'><span style='font-size:14.0pt;font-family:"Times New Roman",serif'>BK cannot discharge either pre-filing or post filing debt HOA debt unless there is an exception that works for some 13s, such as, are they abandoning;<o:p></o:p></span></li><li class=MsoNormal style='margin-left:3.75pt;mso-list:l0 level1 lfo2'><span style='font-size:14.0pt;font-family:"Times New Roman",serif'>BK lawyers very, very often fail to tell their clients this, and I really don’t like it when the member says, I thought that was taken care of, and I have to say, didn’t your lawyer tell you?;<o:p></o:p></span></li><li class=MsoNormal style='margin-left:3.75pt;mso-list:l0 level1 lfo2'><span style='font-size:14.0pt;font-family:"Times New Roman",serif'>Banks can take years to move after discharge. Years. This is a national disgrace. Same is true with how long they can take after default, which is the very reason for the cases like the one Craig cites; <o:p></o:p></span></li><li class=MsoNormal style='margin-left:3.75pt;mso-list:l0 level1 lfo2'><span style='font-size:14.0pt;font-family:"Times New Roman",serif'>I have tried several times, and quit trying: you cannot get banks to move faster by bringing this to their attention. Even if the property, their equity, is being destroyed by, for example, squatting meth cookers (I’m talking to you, BOA); <o:p></o:p></span></li><li class=MsoNormal style='margin-left:3.75pt;mso-list:l0 level1 lfo2'><span style='font-size:14.0pt;font-family:"Times New Roman",serif'>There is practically nothing the HOA can do about a lien, and about getting current payments, until the property gets a new owner; <o:p></o:p></span></li><li class=MsoNormal style='margin-left:3.75pt;mso-list:l0 level1 lfo2'><span style='font-size:14.0pt;font-family:"Times New Roman",serif'>This is not fair to the rest of the owners;<o:p></o:p></span></li><li class=MsoNormal style='margin-left:3.75pt;mso-list:l0 level1 lfo2'><span style='font-size:14.0pt;font-family:"Times New Roman",serif'>Making the BK member pay all of it is not really fair to that member, now, is it? <o:p></o:p></span></li></ul><p class=MsoNormal><span style='font-size:14.0pt;font-family:"Times New Roman",serif'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt;font-family:"Times New Roman",serif'>My clients’ decisions are made on such things as, is this a legitimate member who has had a run of really bad luck and is getting screwed; or a flipper who constantly pushed the limits of property condition violations and so on.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt;font-family:"Times New Roman",serif'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt;font-family:"Times New Roman",serif'>If I were advising the member looking at the bill from the HOA, I would talk to the HOA, emphasize the above, emphasize that, yo, there was a bankruptcy, if you sue them they don’t have any money anyway, how about taking a discounted amount, please. If I were advising the HOA and that communication came in, I would tell them to discount heavily and this is a cost of doing business – once in a while you don’t get 100% collection. <o:p></o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt;font-family:"Times New Roman",serif'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt;font-family:"Times New Roman",serif'>Warm and fuzzy all around. HOA gets to, rightfully, feel like they aren’t Snidely Whiplash; member feels like this is at least something that looks like a break; and member owner feels like she has done something for her client. <o:p></o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt;font-family:"Times New Roman",serif'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt;font-family:"Times New Roman",serif'>‘Tis the season to look for the warm and fuzzy, no? And extra credit on this reply for the Rocky and Bullwinkle reference, would be reasonable, I think. <o:p></o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt;font-family:"Times New Roman",serif'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt;font-family:"Times New Roman",serif'>Rob<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt;font-family:"Times New Roman",serif'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt;font-family:"Times New Roman",serif'>Robert D. Wilson-Hoss<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt;font-family:"Times New Roman",serif'>Hoss & Wilson-Hoss, LLP<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt;font-family:"Times New Roman",serif'>236 West Birch Street<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt;font-family:"Times New Roman",serif'>Shelton, WA 98584<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt;font-family:"Times New Roman",serif'>360 426-2999<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt;font-family:"Times New Roman",serif'><a href="http://www.hossandwilson-hoss.com">www.hossandwilson-hoss.com</a><o:p></o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt;font-family:"Times New Roman",serif'><a href="mailto:rob@hctc.com">rob@hctc.com</a><o:p></o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt;font-family:"Times New Roman",serif'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt;font-family:"Times New Roman",serif'>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></p><p class=MsoNormal><span style='font-size:14.0pt;font-family:"Times New Roman",serif'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt;font-family:"Times New Roman",serif'>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. 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.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:14.0pt;font-family:"Times New Roman",serif'><o:p> </o:p></span></p><p class=MsoNormal><b>From:</b> <a href="mailto:wsbarp-bounces@lists.wsbarppt.com">wsbarp-bounces@lists.wsbarppt.com</a> <<a href="mailto:wsbarp-bounces@lists.wsbarppt.com">wsbarp-bounces@lists.wsbarppt.com</a>> <b>On Behalf Of </b>Craig Blackmon<br><b>Sent:</b> Friday, November 22, 2019 9:09 AM<br><b>To:</b> WSBA Real Property Listserv <<a href="mailto:wsbarp@lists.wsbarppt.com">wsbarp@lists.wsbarppt.com</a>><br><b>Subject:</b> Re: [WSBARP] What is the best possible outcome in this situation? (HOA debt)<o:p></o:p></p><p class=MsoNormal><o:p> </o:p></p><div><p class=MsoNormal>Thank you, both. And yes, I considered this outcome and put it into the "ongoing catastrophe" category. Ah, life. Onward. If anyone derives a solution to this puzzle, please let me know. Thanks all.<o:p></o:p></p><div><p class=MsoNormal><o:p> </o:p></p></div><div><p class=MsoNormal>Enjoy the Holiday week!<o:p></o:p></p><div><p class=MsoNormal><o:p> </o:p></p></div><div><p class=MsoNormal>Craig<o:p></o:p></p></div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><p class=MsoNormal><span style='font-size:9.5pt'>Craig Blackmon, Attorney at Law<o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial",sans-serif'><a href="http://www.seattlepropertylawyer.com/" target="_blank">Seattle Real Estate Lawyer</a></span><span style='font-size:9.5pt'><o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial",sans-serif;color:#212121'>92 Lenora St. (The Makers Space, a shared work environment) </span><span style='font-size:9.5pt'><o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial",sans-serif;color:#212121'>Seattle WA 98121</span><span style='font-size:9.5pt'><o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial",sans-serif;color:#212121'>Office/Cell: </span><span style='font-size:9.5pt'>(206) 369-5949 Fax: (206) 770-7328 <o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:9.5pt'><a href="https://twitter.com/LawyerBroker" target="_blank">@LawyerBroker</a><o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:9.5pt'><a href="http://www.seattlepropertylawyer.com/blog?category=Buy+without+an+Agent" target="_blank">How to Buy Without an Agent</a> | <a href="http://www.seattlepropertylawyer.com/blog?category=Sell+FSBO" target="_blank">How to Sell FSBO</a> | <a href="http://www.seattlepropertylawyer.com/blog?category=Real+Estate+Glossary" target="_blank">RE Glossary</a><o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:9.5pt'>CONFIDENTIALITY NOTICE: This communication is a private, confidential electronic communication encompassed by 18 USC 2510. It is for the sole use of the intended recipient and receipt by anyone other than the intended recipient does not constitute a loss of its confidential or privileged nature. Any review or distribution by others is strictly prohibited. If you are not the intended recipient please inform the sender and destroy all copies.<o:p></o:p></span></p></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div><p class=MsoNormal><o:p> </o:p></p></div></div><p class=MsoNormal><o:p> </o:p></p><div><div><p class=MsoNormal>On Thu, Nov 21, 2019 at 5:35 PM Inge Fordham <<a href="mailto:inge@fordhamlegal.com">inge@fordhamlegal.com</a>> wrote:<o:p></o:p></p></div><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><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'>Something to be aware of if the clients opt for BK – there is often some lag time between the BK discharge and the bank foreclosing on the property and taking ownership. The HOA can go after the clients for all dues assessed against the unit following the BK discharge for as long as they remain legal owners of the unit. If the bank will accept a deed in lieu, the clients may be able to control the timeline (as opposed to just waiting for the bank to take ownership). Many owners do not realize this and end up with a judgment against them (albeit for less than it would have been but for the BK) despite having filed for BK. <o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'> <o:p></o:p></p><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'> <o:p></o:p></p><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='border-collapse:collapse'><tr><td width=60 valign=top style='width:45.0pt;padding:0in 5.4pt 0in 5.4pt'><p class=MsoNormal align=center style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;text-align:center'><span style='font-size:10.0pt;font-family:"Times",serif;color:black'><img border=0 width=96 height=95 style='width:1.0in;height:.9895in' id="gmail-m_-8232768204239253174Picture_x0020_1" src="cid:image001.png@01D5A121.28064570" alt="uc%3fexport=download&id=1W3rEcChy0_E0cCfV5up02mkhwnL6eWIs&revid=0B4P5JoIHdbFaR29EbHlRWHFseFV5STZpSUVGeUNPWldkVDFVPQ"></span><o:p></o:p></p></td><td width=570 valign=top style='width:427.25pt;padding:0in 5.4pt 0in 5.4pt'><p class=MsoNormal style='mso-margin-top-alt:auto;margin-bottom:3.0pt'><b><span style='font-size:13.0pt;font-family:"Cambria",serif;color:#203864'>Inge A. Fordham | Attorney</span></b><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;margin-bottom:3.0pt'><span style='font-size:12.0pt;font-family:"Cambria",serif;color:black'>Fordham Law, PLLC</span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;margin-bottom:3.0pt'><span style='font-size:12.0pt;font-family:"Cambria",serif;color:black'>3218 Sixth Avenue | Tacoma, WA 98406</span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;margin-bottom:3.0pt'><span style='font-size:12.0pt;font-family:"Cambria",serif;color:black'>Office: (253) 348-2657 | Mobile: (206) 778-3131</span><o:p></o:p></p></td></tr></table><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:9.0pt;color:black'> </span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><b><span style='font-size:8.0pt;font-family:"Cambria",serif;color:#7D888E'>Confidential Communication:</span></b><span style='font-size:8.0pt;font-family:"Cambria",serif;color:#7D888E'> This email is sent to a recipient on behalf of an attorney/law firm, and is information intended exclusively for the individual, entity or company to which it is sent. This communication may contain proprietary, privileged or confidential information or may otherwise be legally exempt from disclosure other than to the intended recipient. If you are not the named addressee, you are not authorized to read, print, retain, copy or otherwise disseminate this message or any part of it. If you have received this email in error, please notify the sender immediately by email or other communication and delete all copies of the message.</span><o:p></o:p></p></div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'> <o:p></o:p></p><div style='border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><b><span style='font-size:12.0pt;color:black'>From: </span></b><span style='font-size:12.0pt;color:black'><<a href="mailto:wsbarp-bounces@lists.wsbarppt.com" target="_blank">wsbarp-bounces@lists.wsbarppt.com</a>> on behalf of Ron Housh <<a href="mailto:ron@housh.org" target="_blank">ron@housh.org</a>><br><b>Reply-To: </b>WSBA Real Property Listserv <<a href="mailto:wsbarp@lists.wsbarppt.com" target="_blank">wsbarp@lists.wsbarppt.com</a>><br><b>Date: </b>Thursday, November 21, 2019 at 4:24 PM<br><b>To: </b>WSBA Real Property Listserv <<a href="mailto:wsbarp@lists.wsbarppt.com" target="_blank">wsbarp@lists.wsbarppt.com</a>><br><b>Subject: </b>Re: [WSBARP] What is the best possible outcome in this situation? (HOA debt)</span><o:p></o:p></p></div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'> <o:p></o:p></p></div><p class=MsoNormal style='mso-margin-top-alt:auto;margin-bottom:12.0pt'>Bankruptcy?<o:p></o:p></p><div id="gmail-m_-8232768204239253174AppleMailSignature"><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'>Sent from my iPhone<o:p></o:p></p></div><div><p class=MsoNormal style='mso-margin-top-alt:auto;margin-bottom:12.0pt'><br>On Nov 21, 2019, at 3:44 PM, Craig Blackmon <<a href="mailto:craig@lawofficeofcraigblackmon.com" target="_blank">craig@lawofficeofcraigblackmon.com</a>> wrote:<o:p></o:p></p></div><blockquote style='margin-top:5.0pt;margin-bottom:5.0pt'><div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'>Listmates, I have a very unfortunate case concerning a debt <$10k. In other words, it doesn't merit big legal fees (and the client doesn't have the money in the first place). So I am turning to this awesome community for some good insight on a possible path forward. Oh, and set me straight on my analysis, as needed. Thanks in advance. <o:p></o:p></p><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'> <o:p></o:p></p></div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'>Facts: Home is part of an HOA. In 2006, owner/client defaults on mortgage and HOA dues. 2009 lienholder initiates foreclosure; tenants vacate; lender changes locks to secure property. Lienholder then discontinues sale. Owners do not receive or understand the Discontinuance, and they believe they no longer own the home (as evidenced by the changed locks). They move on with their lives. Lienholder turns off utilities and eventually begins payment of property taxes.<o:p></o:p></p></div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'> <o:p></o:p></p></div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'>Today, nine years later, HOA files suit. Surprise! Client still owns the place (and is thus liable for HOA dues). Home has an FMV of $285k. However, $30k is needed to get home in market/rental condition. Lienholder asserts $410k owed on lien, claiming all principal and interest due since default. In reality, though, per <i><a href="https://links.casemakerlegal.com/docid/2325009?bookname=public_url" target="_blank">Cedar West Owners Assoc</a></i>., the lienholder is owed $275k (the last six years of missed payments plus remaining principal). <o:p></o:p></p></div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'> <o:p></o:p></p></div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'>HOA has no interest in taking ownership of unit and wants to be paid in full for dues owed to date (and those in the future, of course). Client obviously wants to resolve HOA debt forever -- past due and future amounts -- and finally be done with the millstone hanging from their necks.<o:p></o:p></p></div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'> <o:p></o:p></p></div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'>Anyone see a happy ending here for my clients? Or really any ending, other than ongoing catastrophe? If you do, I am all ears. Thanks for taking the time to read this post!<o:p></o:p></p></div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'> <o:p></o:p></p></div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'>Craig<o:p></o:p></p></div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'> <o:p></o:p></p></div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'> <o:p></o:p></p></div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:9.5pt'>Craig Blackmon, Attorney at Law</span><o:p></o:p></p></div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:10.0pt;font-family:"Arial",sans-serif'><a href="http://www.seattlepropertylawyer.com/" target="_blank">Seattle Real Estate Lawyer</a></span><o:p></o:p></p></div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:10.0pt;font-family:"Arial",sans-serif;color:#212121'>92 Lenora St. (The Makers Space, a shared work environment) </span><o:p></o:p></p></div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:10.0pt;font-family:"Arial",sans-serif;color:#212121'>Seattle WA 98121</span><o:p></o:p></p></div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:10.0pt;font-family:"Arial",sans-serif;color:#212121'>Office/Cell: </span><span style='font-size:9.5pt'>(206) 369-5949 Fax: (206) 770-7328 </span><o:p></o:p></p></div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:9.5pt'><a href="https://twitter.com/LawyerBroker" target="_blank">@LawyerBroker</a></span><o:p></o:p></p></div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:9.5pt'><a href="http://www.seattlepropertylawyer.com/blog?category=Buy+without+an+Agent" target="_blank">How to Buy Without an Agent</a> | <a href="http://www.seattlepropertylawyer.com/blog?category=Sell+FSBO" target="_blank">How to Sell FSBO</a> | <a href="http://www.seattlepropertylawyer.com/blog?category=Real+Estate+Glossary" target="_blank">RE Glossary</a></span><o:p></o:p></p></div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:9.5pt'>CONFIDENTIALITY NOTICE: This communication is a private, confidential electronic communication encompassed by 18 USC 2510. It is for the sole use of the intended recipient and receipt by anyone other than the intended recipient does not constitute a loss of its confidential or privileged nature. Any review or distribution by others is strictly prohibited. If you are not the intended recipient please inform the sender and destroy all copies.</span><o:p></o:p></p></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></blockquote><blockquote style='margin-top:5.0pt;margin-bottom:5.0pt'><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'>***Disclaimer: Please note that RPPT listserv participation is not restricted to practicing attorneys and may include non-practicing attorneys, law students, professionals working in related fields, and others.***<br><br>_______________________________________________<br>WSBARP mailing list<br><a href="mailto:WSBARP@lists.wsbarppt.com" target="_blank">WSBARP@lists.wsbarppt.com</a><br><a href="http://mailman.fsr.com/mailman/listinfo/wsbarp" target="_blank">http://mailman.fsr.com/mailman/listinfo/wsbarp</a><o:p></o:p></p></div></blockquote></div></div><p class=MsoNormal>***Disclaimer: Please note that RPPT listserv participation is not restricted to practicing attorneys and may include non-practicing attorneys, law students, professionals working in related fields, and others.***<br><br>_______________________________________________<br>WSBARP mailing list<br><a href="mailto:WSBARP@lists.wsbarppt.com" target="_blank">WSBARP@lists.wsbarppt.com</a><br><a href="http://mailman.fsr.com/mailman/listinfo/wsbarp" target="_blank">http://mailman.fsr.com/mailman/listinfo/wsbarp</a><o:p></o:p></p></blockquote></div></div></body></html>