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<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D">Yes. The parties are free to dictate through contract when rights accrue, and therefore the commencement of the SOL. But here, given the creditor’s conduct,
there’s almost certainly going to be an election / notice requirement attached to acceleration in the contract. But, your answer ultimately lies in the terms of the contract.
<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"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D">You can’t adversely possess against a voluntary lien, unless, perhaps, adverse possession had ripened prior to the grantor encumbering the interest. In other
words, the grantor had no interest to encumber. <o:p></o:p></span></p>
<p class="MsoNormal"><a name="_MailEndCompose"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D"><o:p> </o:p></span></a></p>
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<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
[mailto:wsbarp-bounces@lists.wsbarppt.com] <b>On Behalf Of </b>Bryce Dille<br>
<b>Sent:</b> Friday, April 16, 2021 4:15 PM<br>
<b>To:</b> 'WSBA Real Property Listserv' <wsbarp@lists.wsbarppt.com><br>
<b>Subject:</b> Re: [WSBARP] PN and DOT enforcable against the borrower after years of nonpayment?<o:p></o:p></span></p>
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<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D">What if the note by its terms states that any payment late as defined in the note automatically accelerates the balance due and no notice need be given isn’t
this the same as a due date in the note from which the SL would run from.<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>
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<p class="MsoNormal" style="punctuation-wrap:hanging;text-autospace:ideograph-other">
<span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D;position:relative;top:0pt;mso-text-raise:0pt">Bryce H. Dille<o:p></o:p></span></p>
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<span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D;position:relative;top:0pt;mso-text-raise:0pt">Dille Law, PLLC<o:p></o:p></span></p>
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<span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D;position:relative;top:0pt;mso-text-raise:0pt">2010 Caton Way SW Ste. 101<o:p></o:p></span></p>
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<span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D;position:relative;top:0pt;mso-text-raise:0pt">Olympia, WA 98502<o:p></o:p></span></p>
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<span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D;position:relative;top:0pt;mso-text-raise:0pt">Office: 360-350-0270<o:p></o:p></span></p>
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<span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D;position:relative;top:0pt;mso-text-raise:0pt">Cell: 253-579-5561<o:p></o:p></span></p>
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<span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D;position:relative;top:0pt;mso-text-raise:0pt">** Please note that I use the dictation feature of my iPhone and that sometimes everything I say does not get properly translated**<o:p></o:p></span></p>
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<p class="MsoNormal" style="punctuation-wrap:hanging;text-autospace:ideograph-other">
<span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D;position:relative;top:0pt;mso-text-raise:0pt">Business Entity Creation and Management, Business, Government and Tax Law, Real Estate and Land Use, Residential, Commercial and Condominium
Development Real Estate and Commercial Transactions & Closings, Including Performing Services as IRS Section 1031 Exchange Facilitator Estate Planning, including Wills and Trusts, and Probate Administration Representation Homeowners/Condominium Association
Real Estate Developments Real Property Foreclosures and Forfeitures.<o:p></o:p></span></p>
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<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">
<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>>
<b>On Behalf Of </b>Andrew Hay<br>
<b>Sent:</b> Friday, April 16, 2021 3:57 PM<br>
<b>To:</b> <a href="mailto:cole-gilday@stanwoodlaw.net">cole-gilday@stanwoodlaw.net</a>; WSBA Real Property Listserv <<a href="mailto:wsbarp@lists.wsbarppt.com">wsbarp@lists.wsbarppt.com</a>><br>
<b>Subject:</b> Re: [WSBARP] PN and DOT enforcable against the borrower after years of nonpayment?<o:p></o:p></span></p>
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<p class="MsoNormal"><o:p> </o:p></p>
<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-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>
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<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>
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<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>
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<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>
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<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>
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<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>
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<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>
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<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>
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<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<o:p></o:p></span></p>
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<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">
<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>>
<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 <<a href="mailto:wsbarp@lists.wsbarppt.com">wsbarp@lists.wsbarppt.com</a>><br>
<b>Subject:</b> [WSBARP] PN and DOT enforcable against the borrower after years of nonpayment?<o:p></o:p></span></p>
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<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>
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-- <span style="font-size:11.0pt;font-family:"Calibri",sans-serif;position:relative;top:0pt;mso-text-raise:0pt">
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<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>
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