<html>
<head>
<meta http-equiv="Content-Type" content="text/html; charset=UTF-8">
</head>
<body text="#000000" bgcolor="#FFFFFF">
<p>I haven't practiced in over 12 years, and not at all under the
current Act, but for property that is not the debtor's residence I
don't see why they couldn't deal with both the secured and
unsecured claim of a deed of trust in a Chapter 13 plan. If the
mortgagee didn't object I think they may be out of luck</p>
<pre class="moz-signature" cols="72">Kary L. Krismer
John L. Scott, Inc.
206 723-2148</pre>
<div class="moz-cite-prefix">On 12/4/2019 12:21 PM, Doug Owens
wrote:<br>
</div>
<blockquote type="cite"
cite="mid:8D34C86F-327C-45C9-A8A4-F247BE9C212D@seattlerelawyer.com">
<meta http-equiv="Content-Type" content="text/html; charset=UTF-8">
Dear Greg, I believe that is nonsense. A deed of trust cannot be
“avoided” or eliminated through bankruptcy. Perhaps your clients
should attend the creditors’ meeting and talk to the trustee. I
hope this is helpful. Yours truly, Doug Owens<br class="">
<div><br class="">
<blockquote type="cite" class="">
<div class="">On Dec 4, 2019, at 12:03 PM, Gregory L. Gilday
<<a href="mailto:cole-gilday@stanwoodlaw.net" class=""
moz-do-not-send="true">cole-gilday@stanwoodlaw.net</a>>
wrote:</div>
<br class="Apple-interchange-newline">
<div class=""><font style="caret-color: rgb(0, 0, 0);
font-size: 12px; font-style: normal; font-variant-caps:
normal; font-weight: normal; letter-spacing: normal;
text-align: start; text-indent: 0px; text-transform: none;
white-space: normal; word-spacing: 0px;
-webkit-text-stroke-width: 0px; background-color: rgb(255,
255, 255); text-decoration: none;" class="" face="Times
New Roman">I have some clients who are the beneficiaries
on a DOT on a property where the owners/borrowers are
currently in Chapter 13. They list my clients in the Plan
under the "Non-standard Provisions" section, and state the
the DOT will be avoided and the claim will be paid as a
general unsecured claim. Obviously, my clients are not
happy with that portion of the Plan, and they are looking
for someone to help them through this process. <span
class="Apple-converted-space"> </span><br class="">
<br class="">
Any referrals would be appreciated and passed on to the
clients.<span class="Apple-converted-space"> </span><br
class="">
<br class="">
Thank you all,<span class="Apple-converted-space"> </span><br
class="">
</font><span style="caret-color: rgb(0, 0, 0); font-family:
Helvetica; font-size: 12px; font-style: normal;
font-variant-caps: normal; font-weight: normal;
letter-spacing: normal; text-align: start; text-indent:
0px; text-transform: none; white-space: normal;
word-spacing: 0px; -webkit-text-stroke-width: 0px;
background-color: rgb(255, 255, 255); text-decoration:
none; float: none; display: inline !important;" class=""></span>
<div class="moz-signature" style="caret-color: rgb(0, 0, 0);
font-family: Helvetica; font-size: 12px; font-style:
normal; font-variant-caps: normal; font-weight: normal;
letter-spacing: normal; text-align: start; text-indent:
0px; text-transform: none; white-space: normal;
word-spacing: 0px; -webkit-text-stroke-width: 0px;
background-color: rgb(255, 255, 255); text-decoration:
none;">
--<span class="Apple-converted-space"> </span><br class="">
<div class="WordSection1" style="page: WordSection1;">
<div style="margin: 0in 0in 0.0001pt; font-size: 12pt;
font-family: "Times New Roman", serif;
position: relative; top: 2.5pt;" class="">
<span style="font-size: 16pt;" class="">PLEASE NOTE
THAT OUR OFFICE WILL BE CLOSED FROM DECEMBER 21,
2019 UNTIL JANUARY 2, 2020.<span class=""> <span
class="Apple-converted-space"> </span></span>HAVE
A VERY MERRY CHRISTMAS AND A HAPPY NEW YEAR!</span><span
style="font-family: "Baskerville Old
Face", serif;" class=""><o:p class=""></o:p></span></div>
<div style="margin: 0in 0in 0.0001pt; font-size: 12pt;
font-family: "Times New Roman", serif;
position: relative; top: 2.5pt;" class="">
<o:p class=""> </o:p></div>
<div style="margin: 0in 0in 0.0001pt; font-size: 12pt;
font-family: "Times New Roman", serif;
position: relative; top: 2.5pt;" class="">
Very Truly Yours,</div>
<div style="margin: 0in 0in 0.0001pt; font-size: 12pt;
font-family: "Times New Roman", serif;
position: relative; top: 2.5pt;" class="">
Gregory L. Gilday</div>
<div style="margin: 0in 0in 0.0001pt; font-size: 12pt;
font-family: "Times New Roman", serif;
position: relative; top: 2.5pt;" class="">
Law Office of Cole & Gilday, P.C.</div>
<div style="margin: 0in 0in 0.0001pt; font-size: 12pt;
font-family: "Times New Roman", serif;
position: relative; top: 2.5pt;" class="">
<i class=""><o:p class=""> </o:p></i></div>
<div style="margin: 0in 0in 0.0001pt; font-size: 12pt;
font-family: "Times New Roman", serif;
position: relative; top: 2.5pt;" class="">
10101 - 270th St. NW</div>
<div style="margin: 0in 0in 0.0001pt; font-size: 12pt;
font-family: "Times New Roman", serif;
position: relative; top: 2.5pt;" class="">
Stanwood, WA 98292</div>
<div style="margin: 0in 0in 0.0001pt; font-size: 12pt;
font-family: "Times New Roman", serif;
position: relative; top: 2.5pt;" class="">
(360) 629-2900 (Telephone)</div>
<div style="margin: 0in 0in 0.0001pt; font-size: 12pt;
font-family: "Times New Roman", serif;
position: relative; top: 2.5pt;" class="">
(360) 629-0220 (Fax)</div>
<div style="margin: 0in 0in 0.0001pt; font-size: 12pt;
font-family: "Times New Roman", serif;
position: relative; top: 2.5pt;" class="">
<o:p class=""> </o:p></div>
<div style="margin: 0in 0in 0.0001pt; font-size: 12pt;
font-family: "Times New Roman", serif;
position: relative; top: 2.5pt;" class="">
This message contains confidential and privileged
information that is intended only for the named
recipient(s).<span class=""> <span
class="Apple-converted-space"> </span></span>Unless
you are the named recipient or authorized agent
thereof, you are prohibited from reading, copying,
distributing or otherwise disseminating such
information.<span class=""> <span
class="Apple-converted-space"> </span></span>If
you receive this communication in error, please notify
the sender immediately.</div>
<div style="margin: 0in 0in 0.0001pt; font-size: 12pt;
font-family: "Times New Roman", serif;
position: relative; top: 2.5pt;" class="">
<o:p class=""> </o:p></div>
</div>
</div>
<span style="caret-color: rgb(0, 0, 0); font-family:
Helvetica; font-size: 12px; font-style: normal;
font-variant-caps: normal; font-weight: normal;
letter-spacing: normal; text-align: start; text-indent:
0px; text-transform: none; white-space: normal;
word-spacing: 0px; -webkit-text-stroke-width: 0px;
background-color: rgb(255, 255, 255); text-decoration:
none; float: none; display: inline !important;" class="">***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.***</span><br
style="caret-color: rgb(0, 0, 0); font-family: Helvetica;
font-size: 12px; font-style: normal; font-variant-caps:
normal; font-weight: normal; letter-spacing: normal;
text-align: start; text-indent: 0px; text-transform: none;
white-space: normal; word-spacing: 0px;
-webkit-text-stroke-width: 0px; background-color: rgb(255,
255, 255); text-decoration: none;" class="">
<br style="caret-color: rgb(0, 0, 0); font-family:
Helvetica; font-size: 12px; font-style: normal;
font-variant-caps: normal; font-weight: normal;
letter-spacing: normal; text-align: start; text-indent:
0px; text-transform: none; white-space: normal;
word-spacing: 0px; -webkit-text-stroke-width: 0px;
background-color: rgb(255, 255, 255); text-decoration:
none;" class="">
<span style="caret-color: rgb(0, 0, 0); font-family:
Helvetica; font-size: 12px; font-style: normal;
font-variant-caps: normal; font-weight: normal;
letter-spacing: normal; text-align: start; text-indent:
0px; text-transform: none; white-space: normal;
word-spacing: 0px; -webkit-text-stroke-width: 0px;
background-color: rgb(255, 255, 255); text-decoration:
none; float: none; display: inline !important;" class="">_______________________________________________</span><br
style="caret-color: rgb(0, 0, 0); font-family: Helvetica;
font-size: 12px; font-style: normal; font-variant-caps:
normal; font-weight: normal; letter-spacing: normal;
text-align: start; text-indent: 0px; text-transform: none;
white-space: normal; word-spacing: 0px;
-webkit-text-stroke-width: 0px; background-color: rgb(255,
255, 255); text-decoration: none;" class="">
<span style="caret-color: rgb(0, 0, 0); font-family:
Helvetica; font-size: 12px; font-style: normal;
font-variant-caps: normal; font-weight: normal;
letter-spacing: normal; text-align: start; text-indent:
0px; text-transform: none; white-space: normal;
word-spacing: 0px; -webkit-text-stroke-width: 0px;
background-color: rgb(255, 255, 255); text-decoration:
none; float: none; display: inline !important;" class="">WSBARP
mailing list</span><br style="caret-color: rgb(0, 0, 0);
font-family: Helvetica; font-size: 12px; font-style:
normal; font-variant-caps: normal; font-weight: normal;
letter-spacing: normal; text-align: start; text-indent:
0px; text-transform: none; white-space: normal;
word-spacing: 0px; -webkit-text-stroke-width: 0px;
background-color: rgb(255, 255, 255); text-decoration:
none;" class="">
<a href="mailto:WSBARP@lists.wsbarppt.com"
style="font-family: Helvetica; font-size: 12px;
font-style: normal; font-variant-caps: normal;
font-weight: normal; letter-spacing: normal; orphans:
auto; text-align: start; text-indent: 0px; text-transform:
none; white-space: normal; widows: auto; word-spacing:
0px; -webkit-text-size-adjust: auto;
-webkit-text-stroke-width: 0px; background-color: rgb(255,
255, 255);" class="" moz-do-not-send="true">WSBARP@lists.wsbarppt.com</a><br
style="caret-color: rgb(0, 0, 0); font-family: Helvetica;
font-size: 12px; font-style: normal; font-variant-caps:
normal; font-weight: normal; letter-spacing: normal;
text-align: start; text-indent: 0px; text-transform: none;
white-space: normal; word-spacing: 0px;
-webkit-text-stroke-width: 0px; background-color: rgb(255,
255, 255); text-decoration: none;" class="">
<a href="http://mailman.fsr.com/mailman/listinfo/wsbarp"
style="font-family: Helvetica; font-size: 12px;
font-style: normal; font-variant-caps: normal;
font-weight: normal; letter-spacing: normal; orphans:
auto; text-align: start; text-indent: 0px; text-transform:
none; white-space: normal; widows: auto; word-spacing:
0px; -webkit-text-size-adjust: auto;
-webkit-text-stroke-width: 0px; background-color: rgb(255,
255, 255);" class="" moz-do-not-send="true">http://mailman.fsr.com/mailman/listinfo/wsbarp</a></div>
</blockquote>
</div>
<br class="">
<br>
<fieldset class="mimeAttachmentHeader"></fieldset>
<pre class="moz-quote-pre" wrap="">***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.***
_______________________________________________
WSBARP mailing list
<a class="moz-txt-link-abbreviated" href="mailto:WSBARP@lists.wsbarppt.com">WSBARP@lists.wsbarppt.com</a>
<a class="moz-txt-link-freetext" href="http://mailman.fsr.com/mailman/listinfo/wsbarp">http://mailman.fsr.com/mailman/listinfo/wsbarp</a></pre>
</blockquote>
</body>
</html>