<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)"><style><!--
/* Font Definitions */
@font-face
{font-family:Helvetica;
panose-1:2 11 6 4 2 2 2 2 2 4;}
@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;}
@font-face
{font-family:Consolas;
panose-1:2 11 6 9 2 2 4 3 2 4;}
@font-face
{font-family:"Times\000D\000A New Roman";
panose-1:0 0 0 0 0 0 0 0 0 0;}
/* Style Definitions */
p.MsoNormal, li.MsoNormal, div.MsoNormal
{margin:0in;
margin-bottom:.0001pt;
font-size:11.0pt;
font-family:"Calibri",sans-serif;
color:black;}
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;}
pre
{mso-style-priority:99;
mso-style-link:"HTML Preformatted Char";
margin:0in;
margin-bottom:.0001pt;
font-size:10.0pt;
font-family:"Courier New";
color:black;}
p.msonormal0, li.msonormal0, div.msonormal0
{mso-style-name:msonormal;
mso-margin-top-alt:auto;
margin-right:0in;
mso-margin-bottom-alt:auto;
margin-left:0in;
font-size:11.0pt;
font-family:"Calibri",sans-serif;
color:black;}
span.HTMLPreformattedChar
{mso-style-name:"HTML Preformatted Char";
mso-style-priority:99;
mso-style-link:"HTML Preformatted";
font-family:Consolas;
color:black;}
span.apple-converted-space
{mso-style-name:apple-converted-space;}
span.EmailStyle22
{mso-style-type:personal-reply;
font-family:"Calibri",sans-serif;
color:windowtext;}
.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 bgcolor=white lang=EN-US link=blue vlink=purple><div class=WordSection1><p class=MsoNormal><span style='color:windowtext'>Kary raises an important point. Where are they at in the plan confirmation process? The creditor needs to review the plan and the basis for the proposed treatment of the DOT. It is odd to simply have it avoided, it is not like a judgment lien. I have crammed down on DOT secured debt that is underwater, but we don’t know the facts. <o:p></o:p></span></p><p class=MsoNormal><span style='color:windowtext'><o:p> </o:p></span></p><p class=MsoNormal><span style='color:windowtext'>Jeff<o:p></o:p></span></p><p class=MsoNormal><span style='color:windowtext'><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='color:windowtext'>From:</span></b><span style='color:windowtext'> wsbarp-bounces@lists.wsbarppt.com <wsbarp-bounces@lists.wsbarppt.com> <b>On Behalf Of </b>Kary Krismer<br><b>Sent:</b> Wednesday, December 4, 2019 1:30 PM<br><b>To:</b> wsbarp@lists.wsbarppt.com<br><b>Subject:</b> Re: [WSBARP] Off Topic Referral - Creditor representation in bankruptcy<o:p></o:p></span></p></div></div><p class=MsoNormal><o:p> </o:p></p><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<o:p></o:p></p><pre>Kary L. Krismer<o:p></o:p></pre><pre>John L. Scott, Inc. <o:p></o:p></pre><pre>206 723-2148<o:p></o:p></pre><div><p class=MsoNormal>On 12/4/2019 12:21 PM, Doug Owens wrote:<o:p></o:p></p></div><blockquote style='margin-top:5.0pt;margin-bottom:5.0pt'><p class=MsoNormal>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<o:p></o:p></p><div><p class=MsoNormal><br><br><o:p></o:p></p><blockquote style='margin-top:5.0pt;margin-bottom:5.0pt'><div><p class=MsoNormal>On Dec 4, 2019, at 12:03 PM, Gregory L. Gilday <<a href="mailto:cole-gilday@stanwoodlaw.net">cole-gilday@stanwoodlaw.net</a>> wrote:<o:p></o:p></p></div><p class=MsoNormal><o:p> </o:p></p><div><p class=MsoNormal><span style='font-size:9.0pt;font-family:"Times
New Roman",serif'>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><br>Any referrals would be appreciated and passed on to the clients.<span class=apple-converted-space> </span><br><br>Thank you all,<span class=apple-converted-space> </span><br><br></span><o:p></o:p></p><div><p class=MsoNormal style='background:white'><span style='font-size:9.0pt;font-family:"Helvetica",sans-serif'>--<span class=apple-converted-space> </span><o:p></o:p></span></p><div><p class=MsoNormal style='background:white'><span style='font-size:16.0pt;font-family:"Times New Roman",serif'>PLEASE NOTE THAT OUR OFFICE WILL BE CLOSED FROM DECEMBER 21, 2019 UNTIL JANUARY 2, 2020. <span class=apple-converted-space> </span>HAVE A VERY MERRY CHRISTMAS AND A HAPPY NEW YEAR!</span><span style='font-size:12.0pt;font-family:"Times New Roman",serif'><o:p></o:p></span></p></div><div><p class=MsoNormal style='background:white'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'> <o:p></o:p></span></p></div><div><p class=MsoNormal style='background:white'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>Very Truly Yours,<o:p></o:p></span></p></div><div><p class=MsoNormal style='background:white'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>Gregory L. Gilday<o:p></o:p></span></p></div><div><p class=MsoNormal style='background:white'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>Law Office of Cole & Gilday, P.C.<o:p></o:p></span></p></div><div><p class=MsoNormal style='background:white'><i><span style='font-size:12.0pt;font-family:"Times New Roman",serif'> </span></i><span style='font-size:12.0pt;font-family:"Times New Roman",serif'><o:p></o:p></span></p></div><div><p class=MsoNormal style='background:white'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>10101 - 270th St. NW<o:p></o:p></span></p></div><div><p class=MsoNormal style='background:white'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>Stanwood, WA 98292<o:p></o:p></span></p></div><div><p class=MsoNormal style='background:white'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>(360) 629-2900 (Telephone)<o:p></o:p></span></p></div><div><p class=MsoNormal style='background:white'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>(360) 629-0220 (Fax)<o:p></o:p></span></p></div><div><p class=MsoNormal style='background:white'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'> <o:p></o:p></span></p></div><div><p class=MsoNormal style='background:white'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'>This message contains confidential and privileged information that is intended only for the named recipient(s). <span class=apple-converted-space> </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=apple-converted-space> </span>If you receive this communication in error, please notify the sender immediately.<o:p></o:p></span></p></div><div><p class=MsoNormal style='background:white'><span style='font-size:12.0pt;font-family:"Times New Roman",serif'> <o:p></o:p></span></p></div></div><p class=MsoNormal><span style='font-size:9.0pt;font-family:"Helvetica",sans-serif;background:white'>***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><span style='font-size:9.0pt;font-family:"Helvetica",sans-serif'><br><br><span style='background:white'>_______________________________________________</span><br><span style='background:white'>WSBARP mailing list</span><br></span><a href="mailto:WSBARP@lists.wsbarppt.com"><span style='font-size:9.0pt;font-family:"Helvetica",sans-serif'>WSBARP@lists.wsbarppt.com</span></a><span style='font-size:9.0pt;font-family:"Helvetica",sans-serif'><br></span><a href="http://mailman.fsr.com/mailman/listinfo/wsbarp"><span style='font-size:9.0pt;font-family:"Helvetica",sans-serif'>http://mailman.fsr.com/mailman/listinfo/wsbarp</span></a><o:p></o:p></p></div></blockquote></div><p class=MsoNormal><br><br><br><o:p></o:p></p><pre>***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.***<o:p></o:p></pre><pre><o:p> </o:p></pre><pre>_______________________________________________<o:p></o:p></pre><pre>WSBARP mailing list<o:p></o:p></pre><pre><a href="mailto:WSBARP@lists.wsbarppt.com">WSBARP@lists.wsbarppt.com</a><o:p></o:p></pre><pre><a href="http://mailman.fsr.com/mailman/listinfo/wsbarp">http://mailman.fsr.com/mailman/listinfo/wsbarp</a><o:p></o:p></pre></blockquote></div></body></html>