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<p>I'm not familiar with those appellate court cases, but if the
statute of limitations argument is based on due date of periodic
payments I have a hard time seeing how due date for a periodic
payment could be after it was discharged. So seemingly the
bankruptcy discharge date would be the latest date for the statute
of limitations for all the payments. But if so, doesn't that line
of cases presumably work in favor of the OP's client since all the
payments would have been due over 18 years ago?</p>
<p>Also, to the extent that the Bankruptcy Act does have applicable
language, it would presumably say that the creditor's claim was
the full amount, not just those payments prior to bankruptcy. I
don't see, however, how such provisions would affect a states law
SOL.<br>
</p>
<pre class="moz-signature" cols="72">Kary L. Krismer
206 723-2148</pre>
<div class="moz-cite-prefix">On 2/3/2021 5:58 AM, Joseph McIntosh
wrote:<br>
</div>
<blockquote type="cite"
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<p class="MsoNormal"><span style="color:#1F497D">A quiet title
can be maintained if the statute of limitations for
enforcement of the lien is expired. Commencement of the
statue typically depends on when rights contractually
accrue, so you would have to look at the contract, and
particularly, it’s maturity. If it’s an installment thirty
year mortgage, there might be some payments that have not
yet come due (and rights to enforce that have not accrued),
unless there was an event of acceleration. <o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D">There is some
goofy language from a recent WA appellate court that says a
bankruptcy discharge matures a secured loan, although that
language has been pretty widely panned, and there’s a couple
cases in the pipeline seeking correction of that language.
Nothing from the bankruptcy code says a personal discharge
matures or accelerates secured debt.
<o:p></o:p></span></p>
<p class="MsoNormal"><a name="_MailEndCompose"
moz-do-not-send="true"><span style="color:#1F497D"><o:p> </o:p></span></a></p>
<span style="mso-bookmark:_MailEndCompose"></span>
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<div style="border:none;border-top:solid #E1E1E1
1.0pt;padding:3.0pt 0in 0in 0in">
<p class="MsoNormal"><b>From:</b>
<a class="moz-txt-link-abbreviated" href="mailto:wsbarp-bounces@lists.wsbarppt.com">wsbarp-bounces@lists.wsbarppt.com</a>
[<a class="moz-txt-link-freetext" href="mailto:wsbarp-bounces@lists.wsbarppt.com">mailto:wsbarp-bounces@lists.wsbarppt.com</a>]
<b>On Behalf Of </b>Samuel M. Meyler<br>
<b>Sent:</b> Tuesday, February 2, 2021 7:41 PM<br>
<b>To:</b> 'WSBA Real Property Listserv'
<a class="moz-txt-link-rfc2396E" href="mailto:wsbarp@lists.wsbarppt.com"><wsbarp@lists.wsbarppt.com></a><br>
<b>Subject:</b> [WSBARP] Release of Deed of Trust/Quiet
Title?<o:p></o:p></p>
</div>
</div>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">Listmates,<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">Property owner has a 1<sup>st</sup> and 2<sup>nd</sup>
position mortgage/deeds of trust encumbering the property.
Owner files for bankruptcy in 2012. Standard Order of
Discharge enters. Owner works out a loan modification with
the 1<sup>st</sup> position lender but does not with the 2<sup>nd</sup>.
2<sup>nd</sup> DOT continues to appear on title now that the
property is being sold. It has now been over 18 years since
the discharge. What are the options here? Has anyone ever
had success in getting a lender in this position to
release/reconvey? Should the 2<sup>nd</sup> DOT be removed
via quiet title action? Thanks for your input.<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><b><span
style="font-size:10.0pt;font-family:"Arial",sans-serif;color:blue"><o:p> </o:p></span></b></p>
<p class="MsoNormal"><b><span
style="font-size:10.0pt;font-family:"Arial",sans-serif;color:blue">Samuel
M. Meyler</span></b><o:p></o:p></p>
<p class="MsoNormal"><b><span
style="font-size:10.0pt;font-family:"Arial",sans-serif;color:blue">Meyler
Legal, PLLC </span></b><o:p></o:p></p>
<p class="MsoNormal"><span
style="font-size:10.0pt;font-family:"Arial",sans-serif;color:blue">1700
Westlake Ave. N., Ste. 200<o:p></o:p></span></p>
<p class="MsoNormal"><span
style="font-size:10.0pt;font-family:"Arial",sans-serif;color:blue">Seattle,
Washington 98109</span><o:p></o:p></p>
<p class="MsoNormal"><b><span
style="font-size:10.0pt;font-family:"Arial",sans-serif;color:blue">Tel:</span></b><span
style="font-size:10.0pt;font-family:"Arial",sans-serif;color:blue">
206.876.7770<o:p></o:p></span></p>
<p class="MsoNormal"><b><span
style="font-size:10.0pt;font-family:"Arial",sans-serif;color:blue">Fax:</span></b><span
style="font-size:10.0pt;font-family:"Arial",sans-serif;color:blue">
206.876.7771<o:p></o:p></span></p>
<p class="MsoNormal"><b><span
style="font-size:10.0pt;font-family:"Arial",sans-serif;color:blue">Email:</span></b><span
style="font-size:10.0pt;font-family:"Arial",sans-serif;color:blue"> </span><a
href="mailto:samuel@meylerlegal.com" moz-do-not-send="true"><span
style="font-size:10.0pt;font-family:"Arial",sans-serif;color:blue">samuel@meylerlegal.com</span></a><o:p></o:p></p>
<p class="MsoNormal"><span
style="font-size:10.0pt;font-family:"Arial",sans-serif;color:blue"> </span><o:p></o:p></p>
<p class="MsoNormal"><b><span
style="font-size:10.0pt;font-family:"Arial",sans-serif;color:blue">NOTICE:</span></b><o:p></o:p></p>
<p class="MsoNormal"><span
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