<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:"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:"Berlin Sans FB";
panose-1:2 14 6 2 2 5 2 2 3 6;}
/* Style Definitions */
p.MsoNormal, li.MsoNormal, div.MsoNormal
{margin:0in;
punctuation-wrap:simple;
text-autospace:none;
font-size:12.0pt;
font-family:"Times New Roman",serif;
position:relative;
top:2.5pt;
mso-text-raise:-2.5pt;}
span.EmailStyle21
{mso-style-type:personal-compose;
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 .8in 1.0in .8in;}
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 lang="EN-US" link="#0563C1" vlink="#954F72" style="word-wrap:break-word">
<div class="WordSection1">
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">Hi Cole<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">I looked at this a while ago and here are two pretty new cases on it. Without an acceleration, the statute only runs on payments due more than 6 years ago.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p> </o:p></span></p>
<p class="MsoNormal" style="punctuation-wrap:hanging;text-autospace:ideograph-numeric ideograph-other">
<b><span style="font-size:11.0pt;font-family:"Berlin Sans FB",sans-serif;position:relative;top:0pt;mso-text-raise:0pt">Andrew Hay<o:p></o:p></span></b></p>
<p class="MsoNormal" style="punctuation-wrap:hanging;text-autospace:ideograph-numeric ideograph-other">
<span style="font-size:11.0pt;font-family:"Berlin Sans FB",sans-serif;position:relative;top:0pt;mso-text-raise:0pt">Hay & Swann PLLC<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:"Berlin Sans FB",sans-serif;position:relative;top:0pt;mso-text-raise:0pt">201 S. 34<sup>th</sup> St.<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:"Berlin Sans FB",sans-serif;position:relative;top:0pt;mso-text-raise:0pt">Tacoma, WA 98418<o:p></o:p></span></p>
<p class="MsoNormal" style="punctuation-wrap:hanging;text-autospace:ideograph-numeric ideograph-other">
<i><span style="font-size:11.0pt;font-family:"Berlin Sans FB",sans-serif;position:relative;top:0pt;mso-text-raise:0pt"><a href="http://www.washingtonlaw.net/">www.washingtonlaw.net</a><o:p></o:p></span></i></p>
<p class="MsoNormal" style="punctuation-wrap:hanging;text-autospace:ideograph-numeric ideograph-other">
<i><span style="font-size:11.0pt;font-family:"Berlin Sans FB",sans-serif;position:relative;top:0pt;mso-text-raise:0pt"><a href="mailto:andrewhay@washingtonlaw.net">andrewhay@washingtonlaw.net</a><o:p></o:p></span></i></p>
<p class="MsoNormal" style="punctuation-wrap:hanging;text-autospace:ideograph-numeric ideograph-other">
<span style="font-size:11.0pt;font-family:"Berlin Sans FB",sans-serif;position:relative;top:0pt;mso-text-raise:0pt">253.272.2400 (w)<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:"Berlin Sans FB",sans-serif;position:relative;top:0pt;mso-text-raise:0pt">253.377.3085 (c)<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:"Berlin Sans FB",sans-serif;position:relative;top:0pt;mso-text-raise:0pt">THIS IS A CONFIDENTIAL COMMUNICATION AND IS INTENDED FOR THE DESIGNATED RECIPIENT ONLY. IF YOU HAVE RECEIVED THIS COMMUNICATION IN ERROR, PLEASE
NOTIFY THE SENDER IMMEDIATELY AND DESTROY ALL COPIES</span><span style="font-size:11.0pt;font-family:"Berlin Sans FB",sans-serif;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"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><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;position:relative;top:0pt;mso-text-raise:0pt">From:</span></b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;position:relative;top:0pt;mso-text-raise:0pt"> wsbarp-bounces@lists.wsbarppt.com
<wsbarp-bounces@lists.wsbarppt.com> <b>On Behalf Of </b>Ryan P. Coon<br>
<b>Sent:</b> Friday, April 16, 2021 3:27 PM<br>
<b>To:</b> WSBA Real Property Listserv <wsbarp@lists.wsbarppt.com><br>
<b>Subject:</b> [WSBARP] PN and DOT enforcable against the borrower after years of nonpayment?<o:p></o:p></span></p>
</div>
</div>
<p class="MsoNormal"><o:p> </o:p></p>
<p>Dear Listies,<span style="font-size:11.0pt"><o:p></o:p></span></p>
<p>Client purchased a vacant parcel in 2003, seller financed via Promissory Note and Deed of Trust. Client stopped making payments on the Note during the 2008 housing crash and hasn't made any payments since. No attempts have been made to collect on the balance
owed and no foreclosure attempted. Clients also haven't paid property taxes since sometime in 2008 or 2009. Someone has paid property taxes to prevent foreclosure, Client suspects the seller/lender.<o:p></o:p></p>
<p>Client now wonders whether, after 12-13 years of nonpayment, they can clear title in their name without paying the balance on the Note.<o:p></o:p></p>
<p>Any thoughts on what Clients options are? Can they claim Statute of Limitations? Adverse possession?<o:p></o:p></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"> <o:p></o:p></p>
<p class="MsoNormal">Very Truly Yours,<o:p></o:p></p>
<p class="MsoNormal">Ryan P. Coon<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>