<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><!--
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</o:shapelayout></xml><![endif]--></head><body bgcolor=white lang=EN-US link="#0563C1" vlink="#954F72"><div class=WordSection1><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:windowtext'>Hi Gregory. I recommend you talk to Matt Iwama.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:windowtext'><o:p> </o:p></span></p><p class=MsoNormal>Matt Iwama, Attorney and Counselor at Law<br>Iwama Law Firm<br>Member of the Washington State Bar<br>Member of the State Bar of California<br>333 5th Ave. S Kent, WA 98032<br>TEL 253 520 7671<br>FAX 253 520 7326<br><a href="http://www.iwamalaw.com" target="_blank">www.iwamalaw.com</a><o:p></o:p></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:windowtext'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:windowtext'>Very knowledgeable in this area.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:windowtext'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:windowtext'>Regards<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:windowtext'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:windowtext'>Jack<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:windowtext'><o:p> </o:p></span></p><p class=MsoNormal style='punctuation-wrap:hanging;text-autospace:ideograph-numeric ideograph-other'><span style='font-size:11.0pt;font-family:"Arial",sans-serif;color:windowtext;position:relative;top:0pt;mso-text-raise:0pt'>Jack H. Grant, P.S. – Attorney at Law<o:p></o:p></span></p><p class=MsoNormal style='punctuation-wrap:hanging;text-autospace:ideograph-numeric ideograph-other'><span style='font-size:11.0pt;font-family:"Arial",sans-serif;color:windowtext;position:relative;top:0pt;mso-text-raise:0pt'>Cross Border Law Firm<o:p></o:p></span></p><p class=MsoNormal style='punctuation-wrap:hanging;text-autospace:ideograph-numeric ideograph-other'><span style='font-size:11.0pt;font-family:"Arial",sans-serif;color:windowtext;position:relative;top:0pt;mso-text-raise:0pt'>114 West Magnolia Street<o:p></o:p></span></p><p class=MsoNormal style='punctuation-wrap:hanging;text-autospace:ideograph-numeric ideograph-other'><span style='font-size:11.0pt;font-family:"Arial",sans-serif;position:relative;top:0pt;mso-text-raise:0pt'>4th floor - #136<o:p></o:p></span></p><p class=MsoNormal style='punctuation-wrap:hanging;text-autospace:ideograph-numeric ideograph-other'><span style='font-size:11.0pt;font-family:"Arial",sans-serif;position:relative;top:0pt;mso-text-raise:0pt'>Bellingham, WA<o:p></o:p></span></p><p class=MsoNormal style='punctuation-wrap:hanging;text-autospace:ideograph-numeric ideograph-other'><span style='font-size:11.0pt;font-family:"Arial",sans-serif;position:relative;top:0pt;mso-text-raise:0pt'>98225<o:p></o:p></span></p><p class=MsoNormal style='punctuation-wrap:hanging;text-autospace:ideograph-numeric ideograph-other'><span style='font-size:11.0pt;font-family:"Arial",sans-serif;position:relative;top:0pt;mso-text-raise:0pt'><o:p> </o:p></span></p><p class=MsoNormal style='punctuation-wrap:hanging;text-autospace:ideograph-numeric ideograph-other'><span style='font-size:11.0pt;font-family:"Arial",sans-serif;position:relative;top:0pt;mso-text-raise:0pt'>Cell: 604-671-8075<o:p></o:p></span></p><p class=MsoNormal style='punctuation-wrap:hanging;text-autospace:ideograph-numeric ideograph-other'><span style='font-size:11.0pt;font-family:"Arial",sans-serif;position:relative;top:0pt;mso-text-raise:0pt'>Cell: 360-220-4618</span><span style='font-size:11.0pt;font-family:"Arial",sans-serif;color:windowtext;position:relative;top:0pt;mso-text-raise:0pt'><o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:windowtext'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;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 style='punctuation-wrap:hanging;text-autospace:ideograph-numeric ideograph-other'><b><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:windowtext;position:relative;top:0pt;mso-text-raise:0pt'>From:</span></b><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:windowtext;position:relative;top:0pt;mso-text-raise:0pt'> wsbarp-bounces@lists.wsbarppt.com <wsbarp-bounces@lists.wsbarppt.com> <b>On Behalf Of </b>Gregory L. Gilday<br><b>Sent:</b> Wednesday, December 4, 2019 12:03 PM<br><b>To:</b> WSBA RPPT Real Property Discussion Forum <wsbarp@lists.wsbarppt.com><br><b>Subject:</b> [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 class=MsoNormal>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. <br><br>Any referrals would be appreciated and passed on to the clients. <br><br>Thank you all, <span style='font-size:11.0pt'><o:p></o:p></span></p><div><p class=MsoNormal style='punctuation-wrap:hanging;text-autospace:ideograph-numeric ideograph-other'>-- <br><br><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;position:relative;top:0pt;mso-text-raise:0pt'><o:p></o:p></span></p><p class=MsoNormal><span style='font-size:16.0pt'>PLEASE NOTE THAT OUR OFFICE WILL BE CLOSED FROM DECEMBER 21, 2019 UNTIL JANUARY 2, 2020. HAVE A VERY MERRY CHRISTMAS AND A HAPPY NEW YEAR!</span><o:p></o:p></p><p class=MsoNormal> <o:p></o:p></p><p class=MsoNormal>Very Truly Yours,<o:p></o:p></p><p class=MsoNormal>Gregory L. Gilday <o:p></o:p></p><p class=MsoNormal>Law Office of Cole & Gilday, P.C. <o:p></o:p></p><p class=MsoNormal><i> </i><o:p></o:p></p><p class=MsoNormal>10101 - 270th St. NW <o:p></o:p></p><p class=MsoNormal>Stanwood, WA 98292 <o:p></o:p></p><p class=MsoNormal>(360) 629-2900 (Telephone) <o:p></o:p></p><p class=MsoNormal>(360) 629-0220 (Fax) <o:p></o:p></p><p class=MsoNormal> <o:p></o:p></p><p class=MsoNormal>This message contains confidential and privileged information that is intended only for the named recipient(s). Unless you are the named recipient or authorized agent thereof, you are prohibited from reading, copying, distributing or otherwise disseminating such information. If you receive this communication in error, please notify the sender immediately.<o:p></o:p></p><p class=MsoNormal> <o:p></o:p></p></div></div></body></html>