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<p>I think everyone agrees that the decree could be sufficient. I'm
just uncertain if the decree needs to be recorded in the same
county if not entered in the same county. Then there's also the
issue of whether the decree has sufficient specificity as to the
property. But it may be all that needs to be done is point out
the decree to the title company and see if they will remove the
ex-husband as a vested owner. If that happens the issues with the
bank should disappear.<br>
</p>
<pre class="moz-signature" cols="72">Kary L. Krismer
206 723-2148</pre>
<div class="moz-cite-prefix">On 7/30/2021 12:44 PM, Patrick McDonald
wrote:<br>
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<p class="MsoNormal"><span
style="font-size:11.0pt;font-family:"Calibri",sans-serif">I
agree with Joseph. The divorce decree should transfer title
upon entry with the court and is a public record.
<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">Patrick<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>
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<b><span
style="font-size:11.0pt;font-family:"Calibri",sans-serif;position:relative;top:0pt;mso-text-raise:0pt">Pody
& McDonald, PLLC<o:p></o:p></span></b></p>
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<span
style="font-size:11.0pt;font-family:"Calibri",sans-serif;position:relative;top:0pt;mso-text-raise:0pt">Seattle,
WA 98101-3106<o:p></o:p></span></p>
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<span
style="font-size:11.0pt;font-family:"Calibri",sans-serif;position:relative;top:0pt;mso-text-raise:0pt">T:
206-467-1559<o:p></o:p></span></p>
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<span
style="font-size:11.0pt;font-family:"Calibri",sans-serif;position:relative;top:0pt;mso-text-raise:0pt">F:
206-467-4489<o:p></o:p></span></p>
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<p class="MsoNormal"><span
style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p> </o:p></span></p>
<div>
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1.0pt;padding:3.0pt 0in 0in 0in">
<p class="MsoNormal"
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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 class="moz-txt-link-abbreviated" href="mailto:wsbarp-bounces@lists.wsbarppt.com">wsbarp-bounces@lists.wsbarppt.com</a>
<a class="moz-txt-link-rfc2396E" href="mailto:wsbarp-bounces@lists.wsbarppt.com"><wsbarp-bounces@lists.wsbarppt.com></a> <b>On Behalf
Of </b>Joseph McIntosh<br>
<b>Sent:</b> July 30, 2021 12:25 PM<br>
<b>To:</b> <a class="moz-txt-link-abbreviated" href="mailto:cole-gilday@stanwoodlaw.net">cole-gilday@stanwoodlaw.net</a>; 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> Re: [WSBARP] Post-Divorce QCD Catch 22<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:"Calibri",sans-serif;color:#1F497D">I
would think the divorce decree, especially if recorded,
would effectively evidence a transfer the real property so
as to satisfy the lender’s concerns. I routinely encounter
refinances following divorces where there was just a decree
awarding the new borrower title, but no QCD. I don’t think
the county recorder can prevent you from recording the court
order. <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>
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1.0pt;padding:3.0pt 0in 0in 0in">
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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">
</span><a href="mailto:wsbarp-bounces@lists.wsbarppt.com"
moz-do-not-send="true"><span
style="font-size:11.0pt;font-family:"Calibri",sans-serif;position:relative;top:0pt;mso-text-raise:0pt">wsbarp-bounces@lists.wsbarppt.com</span></a><span
style="font-size:11.0pt;font-family:"Calibri",sans-serif;position:relative;top:0pt;mso-text-raise:0pt">
[</span><a
href="mailto:wsbarp-bounces@lists.wsbarppt.com"
moz-do-not-send="true"><span
style="font-size:11.0pt;font-family:"Calibri",sans-serif;position:relative;top:0pt;mso-text-raise:0pt">mailto:wsbarp-bounces@lists.wsbarppt.com</span></a><span
style="font-size:11.0pt;font-family:"Calibri",sans-serif;position:relative;top:0pt;mso-text-raise:0pt">]
<b>On Behalf Of </b>Ryan P. Coon<br>
<b>Sent:</b> Friday, July 30, 2021 12:02 PM<br>
<b>To:</b> WSBA Real Property Listserv <</span><a
href="mailto:wsbarp@lists.wsbarppt.com"
moz-do-not-send="true"><span
style="font-size:11.0pt;font-family:"Calibri",sans-serif;position:relative;top:0pt;mso-text-raise:0pt">wsbarp@lists.wsbarppt.com</span></a><span
style="font-size:11.0pt;font-family:"Calibri",sans-serif;position:relative;top:0pt;mso-text-raise:0pt">><br>
<b>Subject:</b> [WSBARP] Post-Divorce QCD Catch 22<o:p></o:p></span></p>
</div>
</div>
<p class="MsoNormal"><o:p> </o:p></p>
<p>Listmates,<o:p></o:p></p>
<p>I've got a client needing to record a QCD to separate
property post-divorce but is running into what seems to be a
"catch 22" problem so I'm looking for some creative solutions.<o:p></o:p></p>
<p>Client by divorce decree is awarded the family home and thus
needs to record a QCD from ex-spouse to separate the property.
However, there is a large amount of outstanding property taxes
due (several years worth) and the county (Island) is refusing
to record the deed without the taxes being made current.
Client doesn't have the funds to bring taxes current so is
seeking a loan to pay the taxes. However, client is having
trouble procuring a loan because the bank is requiring
signature of ex-spouse since ex-spouse's name is on the
property but ex-spouse will not sign off on the loan.<o:p></o:p></p>
<p>Thus, client can't record a QCD because they don't have the
money to pay the taxes but their having trouble getting the
money to pay the taxes without first recording the QCD.<o:p></o:p></p>
<p>Any thoughts or creative work-arounds for this would be much
appreciated, thank you.<o:p></o:p></p>
<div>
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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>
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