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<p class="MsoNormal"><span style="font-size:12.0pt">To expand on the question a bit and Joseph’s answer, if the loan is not one that has a specific payment schedule and the most recent payment is outside the 6 year SOL, is the loan and lien enforceable or can
it be discharged in a quiet title action. It has been awhile but I recall having this issue arise and attempting to get a clear answer through research unsuccessfully.
<o:p></o:p></span></p>
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<p class="MsoNormal"><b><span style="font-size:9.0pt;font-family:"Arial",sans-serif;color:black">G. Geoffrey Gibbs | Anderson Hunter Law Firm</span></b><span style="font-size:9.0pt;font-family:"Arial",sans-serif">
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<span style="color:black">2707 Colby Avenue, Ste. 1001 Everett, WA 98201<o:p></o:p></span></span></p>
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<p class="MsoNormal"><b>From:</b> wsbarp-bounces@lists.wsbarppt.com <wsbarp-bounces@lists.wsbarppt.com>
<b>On Behalf Of </b>Joseph McIntosh<br>
<b>Sent:</b> Wednesday, February 3, 2021 7:43 AM<br>
<b>To:</b> WSBA Real Property Listserv <wsbarp@lists.wsbarppt.com><br>
<b>Subject:</b> Re: [WSBARP] Release of Deed of Trust/Quiet Title?<o:p></o:p></p>
</div>
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<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><span style="color:#1F497D">A bankruptcy discharge does not eliminate a secured debt, or its repayment schedule, it just eliminates a remedy – personal recourse. There’s a couple discharge provisions in the code address this.<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">If there have been 18 years of missed payments, some would be currently time barred by the state’s 6 yr statute for enforcement of written contracts, but some not. The lien still is still intact as to some missed
payments that have not yet expired under the statute, and others if they have not yet come due.<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"><o:p> </o:p></span></p>
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<p class="MsoNormal"><b>From:</b> <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> Wednesday, February 03, 2021 7:14 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 Deed of Trust/Quiet Title?<o:p></o:p></p>
</div>
</div>
<p class="MsoNormal"><o:p> </o:p></p>
<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?<o:p></o:p></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.<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 2/3/2021 5:58 AM, Joseph McIntosh wrote:<o:p></o:p></p>
</div>
<blockquote style="margin-top:5.0pt;margin-bottom:5.0pt">
<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. </span><o:p></o:p></p>
<p class="MsoNormal"><span style="color:#1F497D"> </span><o:p></o:p></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.
</span><o:p></o:p></p>
<p class="MsoNormal"><span style="color:#1F497D"> </span><o:p></o:p></p>
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<p class="MsoNormal"><b>From:</b> <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>Samuel M. Meyler<br>
<b>Sent:</b> Tuesday, February 2, 2021 7:41 PM<br>
<b>To:</b> 'WSBA Real Property Listserv' <a 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"> </span></b><o:p></o:p></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</span><o:p></o:p></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</span><o:p></o:p></p>
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