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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:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>For what it’s worth, I would have no problem removing the lien upon review of the judgment<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'><o:p> </o:p></span></p><div><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>John McCrady<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>Counsel<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>Puget Sound Title Company<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>5350 Orchard Street West<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>University Place WA 98467<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>253-476-5721<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'><a href="mailto:j.mccrady@pstitle.com"><span style='color:#0563C1'>j.mccrady@pstitle.com</span></a><o:p></o:p></span></p><p class=MsoNormal style='margin-top:6.0pt'><b><span style='font-size:10.0pt;font-family:"Arial",sans-serif;color:#1F497D'>WARNING-FRAUDULENT FUNDING INSTRUCTIONS </span></b><b><span style='font-size:4.0pt;font-family:"Arial",sans-serif;color:#1F497D'><o:p></o:p></span></b></p><p class=MsoNormal style='margin-top:6.0pt'><span style='font-size:10.0pt;font-family:"Arial",sans-serif;color:#1F497D'>Email hacking and fraud are on the rise to fraudulently misdirect funds. Please call your escrow officer immediately using contact information found from an independent source, such as the sales contract or internet, to verify any funding instructions received. We are not responsible for any wire sent by you to an incorrect bank account.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal style='margin-bottom:12.0pt'><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#2E74B5'>***Due to the Covid 19 outbreak and with concern for the health and safety of our employees and community; our <b>University Place</b> lobby will remain locked during normal business hours. </span><b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#0066CC'>If you need to make an appointment or have any questions or concerns, please contact us at our main office at 253-474-4747.</span></b><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#0070C0'> </span><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:#2E74B5'>We appreciate your patience during these uncertain times and look forward to consistently exceeding your expectations.***<o:p></o:p></span></p></div><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",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><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'>From:</span></b><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'> wsbarp-bounces@lists.wsbarppt.com [mailto:wsbarp-bounces@lists.wsbarppt.com] <b>On Behalf Of </b>Craig Gourley<br><b>Sent:</b> Friday, September 11, 2020 1:52 PM<br><b>To:</b> WSBA Real Property Listserv <wsbarp@lists.wsbarppt.com><br><b>Subject:</b> Re: [WSBARP] Release of bank lien on adverse possession.<o:p></o:p></span></p></div></div><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Arial",sans-serif;color:black'>It is the title company creating the problem. I am suggesting a new title company. To me the language of the order is pretty clear that the lien is stripped. <o:p></o:p></span></p><div class=MsoNormal align=center style='text-align:center'><hr size=2 width="98%" align=center></div><div id=divRplyFwdMsg><p class=MsoNormal><b><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:black'>From:</span></b><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:black'> <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>> on behalf of Kary Krismer <<a href="mailto:Krismer@comcast.net">Krismer@comcast.net</a>><br><b>Sent:</b> Friday, September 11, 2020 12:48:34 PM<br><b>To:</b> <a href="mailto:wsbarp@lists.wsbarppt.com">wsbarp@lists.wsbarppt.com</a> <<a href="mailto:wsbarp@lists.wsbarppt.com">wsbarp@lists.wsbarppt.com</a>><br><b>Subject:</b> Re: [WSBARP] Release of bank lien on adverse possession.</span> <o:p></o:p></p><div><p class=MsoNormal> <o:p></o:p></p></div></div><div><p>Would a title company remove the exception for the DOT on those facts? Seemingly they could rely on the court order rather than needing a release.<o:p></o:p></p><pre>Kary L. Krismer<o:p></o:p></pre><pre>206 723-2148<o:p></o:p></pre><div><p class=MsoNormal>On 9/11/2020 1:04 PM, Craig Gourley wrote:<o:p></o:p></p></div><blockquote style='margin-top:5.0pt;margin-bottom:5.0pt'><div><p class=MsoNormal style='margin-bottom:12.0pt'><span style='font-size:11.0pt;font-family:"Arial",sans-serif;color:black'>Thank you all. In thus case the AP claim in about 30 years old so predates the DOT. We did serve the bank and they are subject to the award of AP. Problem is that the bank sold the loan after the AP award so we have a new "lender" who was not a party. Normally banks do a partial recon and we have no issues. Here the new lender is not a party and won't respond to our communications . <o:p></o:p></span></p></div><div><div><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Arial",sans-serif;color:black'>Sent from my Verizon, Samsung Galaxy smartphone<o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Arial",sans-serif;color:black'>Get <a href="https://r.xdref.com/?id=08BKxblG029071&from=wsbarp-bounces@lists.wsbarppt.com&to=j.mccrady@pstitle.com&url=https://aka.ms/ghei36">Outlook for Android</a><o:p></o:p></span></p></div><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Arial",sans-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="x_divRplyFwdMsg"><p class=MsoNormal><b><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:black'>From:</span></b><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:black'> <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> on behalf of Gregory L. Ursich <a href="mailto:gursich@insleebest.com"><gursich@insleebest.com></a><br><b>Sent:</b> Friday, September 11, 2020 9:59:36 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] Release of bank lien on adverse possession.</span> <o:p></o:p></p><div><p class=MsoNormal> <o:p></o:p></p></div></div><div><div><p class=xxmsonormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:black'>All Lender’s title policies have extended coverage and therefore insurance for AP claims. By suing the lender in the quiet title, they will instantly tender to the title insurer and will get appointed a very reasonable attorney, such as myself, to have the lender stipulate to adverse possession. -Greg</span><o:p></o:p></p><p class=xxmsonormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:black'> </span><o:p></o:p></p><div><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='border-collapse:collapse'><tr style='height:58.05pt'><td width=191 valign=top style='width:135.0pt;padding:0in 5.4pt 0in 5.4pt;height:58.05pt'><p class=xxmsonormal><span style='font-size:11.0pt;color:black'><img border=0 width=177 height=73 id="part2.F6EEAC97.C8C35F63_x0040_comcast.net" src="cid:image001.jpg@01D68844.869F2A60" alt="cid:image001.jpg@01D68844.869F2A60"></span><o:p></o:p></p></td><td width=443 valign=top style='width:332.5pt;padding:0in 5.4pt 0in 5.4pt;height:58.05pt'><p class=xxmsonormal><b><span style='font-size:9.0pt;font-family:"Calibri",sans-serif;color:black'>Gregory L. Ursich </span></b><o:p></o:p></p><p class=xxmsonormal><span style='font-size:9.0pt;font-family:"Calibri",sans-serif;color:black'>Shareholder</span><o:p></o:p></p><p class=xxmsonormal><span style='font-size:9.0pt;font-family:"Calibri",sans-serif;color:black'>Skyline Tower, Suite 1500 | 10900 NE 4<sup>th</sup> Street | Bellevue, WA 98004</span><o:p></o:p></p><p class=xxmsonormal><span style='font-size:9.0pt;font-family:"Calibri",sans-serif;color:black'>P: 425.450.4258 | F: 425.635.7720</span><o:p></o:p></p><p class=xxmsonormal><u><span style='font-size:9.0pt;font-family:"Calibri",sans-serif;color:blue'><a href="https://r.xdref.com/?id=08BKxblG029071&from=wsbarp-bounces@lists.wsbarppt.com&to=j.mccrady@pstitle.com&url=http://www.insleebest.com/uploads/vcards/gursich.vcf">vCard</a></span></u><span style='font-size:9.0pt;font-family:"Calibri",sans-serif;color:black'> |</span><span style='font-size:9.0pt;font-family:"Calibri",sans-serif;color:blue'> <u><a href="https://r.xdref.com/?id=08BKxblG029071&from=wsbarp-bounces@lists.wsbarppt.com&to=j.mccrady@pstitle.com&url=http://www.insleebest.com/">website</a></u></span><span style='font-size:9.0pt;font-family:"Calibri",sans-serif;color:black'> |</span><span style='font-size:9.0pt;font-family:"Calibri",sans-serif;color:blue'> <u><a href="mailto:gursich@insleebest.com">gursich@insleebest.com</a></u></span><o:p></o:p></p></td></tr></table><p class=xxmsonormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:black'> </span><o:p></o:p></p><p class=xxmsonormal><span style='font-size:10.0pt;font-family:"Calibri",sans-serif;color:black'>This electronic mail transmission is privileged and confidential and is intended only for the review of the party to whom it is addressed. If you have received this transmission in error, please immediately return it to the sender. Unintended transmission shall not constitute waiver of the attorney-client or any other privilege.</span><o:p></o:p></p></div><p class=xxmsonormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:black'> </span><o:p></o:p></p><div><div style='border:none;border-top:solid #E1E1E1 1.0pt;padding:3.0pt 0in 0in 0in'><p class=xxmsonormal><b><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'>From:</span></b><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'> <a href="mailto:wsbarp-bounces@lists.wsbarppt.com">wsbarp-bounces@lists.wsbarppt.com</a> [<a href="mailto:wsbarp-bounces@lists.wsbarppt.com">mailto:wsbarp-bounces@lists.wsbarppt.com</a>] <b>On Behalf Of </b>Kary Krismer<br><b>Sent:</b> Friday, September 11, 2020 6:04 AM<br><b>To:</b> <a href="mailto:wsbarp@lists.wsbarppt.com">wsbarp@lists.wsbarppt.com</a><br><b>Subject:</b> Re: [WSBARP] Release of bank lien on adverse possession.</span><o:p></o:p></p></div></div><p class=xxmsonormal> <o:p></o:p></p><p>I'm not sure Doug's issues matter based on zero research and what my wife claims is a <s>questionable</s> faulty memory. <o:p></o:p></p><p>I believe a grantee under a statutory warranty deed would take subject to the AP claim even if the full 10 years had not passed at the time of transfer. The AP claimant would merely have to wait for the remaining time to pass. I don't see any reason a grantee of a DEED of trust would be any different. If the claim of ownership disappears through AP I think it disappears as to anyone with a claim against the property, or at least anyone claiming through the owner against which the period of AP started.<o:p></o:p></p><p>Alternatively, if the 10 years had passed at the time of the recording of the DOT then the DOT may have never attached to the portion. As I recall it's the date of the expiration of 10 years that matters, not the date of the court ruling that the 10 years passed.<o:p></o:p></p><p>As to Greg's point about title insurance, if the bank has coverage the bank would have little motivation to act and so probably won't act. But does a lender's policy cover AP, or does it matter when the AP claim 10 year period expired? I'm pretty sure owner's policies wouldn't cover an owner when the entire period of AP occurred after they took title.<o:p></o:p></p><pre>Kary L. Krismer <o:p></o:p></pre><pre>206 723-2148<o:p></o:p></pre><div><p class=xxmsonormal>On 9/10/2020 8:02 PM, Doug Owens wrote:<o:p></o:p></p></div><blockquote style='margin-top:5.0pt;margin-bottom:5.0pt'><p class=xxmsonormal>Dear Craig, this is an interesting question. I have not done any research on the point but it seems to me that the principle behind adverse possession is that the open, notorious and hostile possession for the statutory term should be something that would motivate the person entitled to protect the property interest to take action to eject the trespasser. Under this principle I ask myself what could the lien holder have done to eliminate the trespass? And is the lien holder charged with knowledge of the adverse possession such that the lien holder could declare a breach of the deed of trust for the borrower’s failure to protect the title? On what basis would such knowledge be imputed? An alternative analysis is that the adverse possessor takes title “subject to” the lien. At a minimum if the adverse possessor did not serve the lender with the summons and complaint it would seem anomalous that the lien could be invalidated by the award of title through adverse possession. Good luck. Yours truly, Doug Owens<o:p></o:p></p><div><p class=xxmsonormal style='margin-bottom:12.0pt'><o:p> </o:p></p><blockquote style='margin-top:5.0pt;margin-bottom:5.0pt'><div><p class=xxmsonormal>On Sep 10, 2020, at 6:47 PM, Craig Gourley <<a href="mailto:craig@glgmail.com">craig@glgmail.com</a>> wrote:<o:p></o:p></p></div><p class=xxmsonormal> <o:p></o:p></p><div><div><p class=xxmsonormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'>Listmates, When a party is awarded title to property by adverse possession is the lender lien automatically stripped? We have an uncooperative lender that refuses to recon the adversely possessed parcel and we really don’t want to file a quiet title over a planter box. However, this small cloud on title is preventing our clkient’s sale of the property. Thoughts?</span><o:p></o:p></p></div><div><p class=xxmsonormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'> </span><o:p></o:p></p></div><div><p class=xxmsonormal><b><span style='font-size:14.0pt;font-family:"Calibri",sans-serif'> </span></b><o:p></o:p></p></div><div><p class=xxmsonormal><b><span style='font-size:14.0pt;font-family:"Calibri",sans-serif'> </span></b><o:p></o:p></p></div><div><p class=xxmsonormal><b><span style='font-size:14.0pt;font-family:"Calibri",sans-serif'> </span></b><o:p></o:p></p></div><div><p class=xxmsonormal><b><span style='font-size:14.0pt;font-family:"Calibri",sans-serif'> </span></b><o:p></o:p></p></div><div><p class=xxmsonormal><b><span style='font-size:14.0pt;font-family:"Calibri",sans-serif'>Gourley Law Group</span></b><o:p></o:p></p></div><div><p class=xxmsonormal><b><span style='font-family:"Calibri",sans-serif'>Snohomish Escrow</span></b><o:p></o:p></p></div><div><p class=xxmsonormal><b><span style='font-family:"Calibri",sans-serif'>The Exchange Connection</span></b><o:p></o:p></p></div><div><p class=xxmsonormal><b><span style='font-size:14.0pt;font-family:"Calibri",sans-serif'> </span></b><o:p></o:p></p></div><div><p class=xxmsonormal><span style='font-size:10.0pt;font-family:"Calibri",sans-serif'>1002 10<sup>th</sup><span class=xxapple-converted-space> </span>Street / PO Box 1091</span><o:p></o:p></p></div><div><p class=xxmsonormal><span style='font-size:10.0pt;font-family:"Calibri",sans-serif'>Snohomish, WA 98291</span><o:p></o:p></p></div><div><p class=xxmsonormal><span style='font-size:10.0pt;font-family:"Calibri",sans-serif'> </span><o:p></o:p></p></div><div><p class=xxmsonormal><span style='font-size:10.0pt;font-family:"Calibri",sans-serif'>360.568.5065</span><o:p></o:p></p></div><div><p class=xxmsonormal><span style='font-size:10.0pt;font-family:"Calibri",sans-serif'>360.568.8092 fax</span><o:p></o:p></p></div><div><p class=xxmsonormal><u><a href="mailto:Craig@glgmail.com">Craig@glgmail.com</a></u><o:p></o:p></p></div><div><p class=xxmsonormal> <o:p></o:p></p></div><div><p class=xxmsonormal><b><span style='font-size:11.0pt'> </span></b><o:p></o:p></p></div><div><p class=xxmsonormal><span style='font-size:9.0pt;font-family:"Arial",sans-serif;color:red'>Be Aware! Online banking fraud is on the rise. If you receive an email containing<span class=xxapple-converted-space> </span><b>Wire transfer instructions<span class=xxapple-converted-space> </span></b>call us immediately to verify the information prior to sending any funds!</span><o:p></o:p></p></div><div><p class=xxmsonormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'> </span><o:p></o:p></p></div><div><p class=xxmsonormal><span style='font-size:8.0pt;font-family:"Arial",sans-serif;color:blue'>CONFIDENTIALITY NOTICE: This electronic mail transmission may contain legally privileged, confidential information belonging to the sender. The information is intended only for the use of the individual or entity named above. If you are not the intended recipient, you are hereby notified that any disclosure, copying, distribution or taking any action based on the contents of this electronic mail is strictly prohibited. If you have received this electronic mail in error, please contact sender and delete all copies</span><o:p></o:p></p></div><div><p class=xxmsonormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'> </span><o:p></o:p></p></div><div><p class=xxmsonormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'> </span><o:p></o:p></p></div><p class=xxmsonormal><span style='font-size:9.0pt;font-family:"Helvetica",sans-serif'>***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></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="https://r.xdref.com/?id=08BKxblG029071&from=wsbarp-bounces@lists.wsbarppt.com&to=j.mccrady@pstitle.com&url=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=xxmsonormal style='margin-bottom:12.0pt'><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="https://r.xdref.com/?id=08BKxblG029071&from=wsbarp-bounces@lists.wsbarppt.com&to=j.mccrady@pstitle.com&url=http://mailman.fsr.com/mailman/listinfo/wsbarp">http://mailman.fsr.com/mailman/listinfo/wsbarp</a><o:p></o:p></pre></blockquote></div></div><p class=MsoNormal style='margin-bottom:12.0pt'><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="https://r.xdref.com/?id=08BKxblG029071&from=wsbarp-bounces@lists.wsbarppt.com&to=j.mccrady@pstitle.com&url=http://mailman.fsr.com/mailman/listinfo/wsbarp">http://mailman.fsr.com/mailman/listinfo/wsbarp</a><o:p></o:p></pre></blockquote></div></div>
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