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</o:shapelayout></xml><![endif]--></head><body lang=EN-US link="#0563C1" vlink="#954F72"><div class=WordSection1><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>I have a very old deed of trust from a bank on commercial property. The bank refuses to reconvey or answer the complaint for quiet title (it is always coming <i>soon</i>).<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'>RCW 7.28 is very clear how to clean up old liens on real property and allows for costs and attorney fees to be assessed. However, it takes a lot more time that having a title company insure around title.<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><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Lucida Calligraphy";color:maroon'>Pamela H. Rohr, Esq.</span><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'><o:p></o:p></span></p><p class=MsoNormal><b><span style='font-size:14.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>T</span></b><span style='font-size:14.0pt;font-family:"Calibri",sans-serif;font-variant:small-caps;color:maroon'>runkenbolz | </span><b><span style='font-size:14.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>R</span></b><span style='font-size:14.0pt;font-family:"Calibri",sans-serif;font-variant:small-caps;color:maroon'>ohr</span><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;font-variant:small-caps;color:maroon'> pllc</span><span style='font-size:11.0pt;color:#1F497D'><o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;font-variant:small-caps;color:#1F497D'>P.O. </span><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>Box 14033 <o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>Spokane, WA 99214<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>(509) 928-4100<o:p></o:p></span></p><p class=MsoNormal><u><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:blue'><a href="mailto:phr@trlaw-spokane.com" title="mailto:phr@trlaw-spokane.com"><span style='color:blue'>phr@trlaw-spokane.com</span></a></span></u><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'><o:p></o:p></span></p><p class=MsoNormal><u><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:blue'><a href="http://www.SpokaneLegalEagle.com" target="_blank"><span style='color:blue'>www.SpokaneLegalEagle.com</span></a></span></u><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:"Lucida Calligraphy";color:maroon'><o:p> </o:p></span></p><p class=MsoNormal><b><span style='font-size:8.0pt;font-family:"Calibri",sans-serif;color:#8496B0'>CONFIDENTIALITY NOTE:</span></b><span style='font-size:8.0pt;font-family:"Calibri",sans-serif;color:#8496B0'> This electronic mail transmission may contain legally privileged and/or confidential information. This communication originates from the law firm of Trunkenbolz | Rohr PLLC, and is protected under the Electronic Communication Privacy Act, 18 U.S.C. § 2510-2521. Do not read this if you are not the person(s) named. Any use, distribution, copying, or disclosure by any other person is strictly prohibited. If you received this transmission in error, please notify the sender by telephone (509) 928-4100 or send an electronic mail message to the sender or </span><u><span style='font-size:8.0pt;font-family:"Calibri",sans-serif;color:blue'><a href="mailto:PHR@TRlaw-spokane.com"><span style='color:blue'>PHR@TRlaw-spokane.com</span></a></span></u><span style='font-size:8.0pt;font-family:"Calibri",sans-serif;color:#8496B0'> and destroy the original transmission and its attachments without reading or saving in any manner. Do not deliver, distribute or copy this message and/or any attachment and, if you are not the intended recipient, do not disclose the contents or take any action in reliance upon the information contained in this communication or any attachments.</span><span style='font-size:8.0pt;color:#8496B0'><o:p></o:p></span></p></div><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'><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><b><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'>From:</span></b><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'> wsbarp-bounces@lists.wsbarppt.com [mailto:wsbarp-bounces@lists.wsbarppt.com] <b>On Behalf Of </b>Joseph McIntosh<br><b>Sent:</b> Monday, October 4, 2021 3:09 PM<br><b>To:</b> WSBA Real Property Listserv <wsbarp@lists.wsbarppt.com><br><b>Subject:</b> Re: [WSBARP] Old HELOC blocking title<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'>Did you ask Chase if they would issue a lien release? If it is confirmed they acquired the loan, and in the absence of documentation on their end showing an unpaid balance, I would think they would do a release as successor to the original lender. I don’t think you have a justiciable controversy to support a quiet title under the circumstances, unless they say the lien remains valid.<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'>The tougher cases, and where judicial intervention is often required, is where you can’t find the lienholder and you need to publish notice of your intent to quiet title. <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><p class=MsoNormal><b><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'>From:</span></b><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'> <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>Jan Kelly<br><b>Sent:</b> Monday, October 4, 2021 2:13 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] Old HELOC blocking title<o:p></o:p></span></p><p class=MsoNormal><o:p> </o:p></p><div><div><p class=MsoNormal>Fellow list mates:<o:p></o:p></p><div><p class=MsoNormal><o:p> </o:p></p></div><div><p class=MsoNormal>My client is selling real property from an estate. There is a title exception for a very old HELOC that was most likely paid off, but no reconveyance was recorded. I received the following from the title company; does anyone have a recommendation short of a quiet title action? The Closing is suppose to occur in about one week.<o:p></o:p></p></div><div><p class=MsoNormal><o:p> </o:p></p></div><div><p class=MsoNormal><span style='font-family:"Helvetica",sans-serif'>"We are still pending documentation to clear par 7 on the title report that shows the HELOC on title. It appears it may have been paid off by the Washington Mutual Line of Credit, which is now Chase. I have reached out to Chase to see if they could provide documentation showing the old HELOC being paid off and they were unable to locate any documentation on this due to the fact that It was originally with Washington Mutual Bank and how far back this was dated. I have also attempted to reach out to Fidelity National Title, who was the trustee on the original HELOC, to see if they had any record of the reconveyance, and they did not. We will need documentation, from Washington Mutual or Greenpoint Mortgage, either a closing letter, statement or something showing this paid off, which would of been provided if this was closed. We have to have some sort of documentation for this in order to proceed with closing as we have not been able to obtain documentation from the associated parties."</span><br clear=all><o:p></o:p></p><div><p class=MsoNormal><o:p> </o:p></p></div><p class=MsoNormal>-- <o:p></o:p></p><div><div><div><div><div><div><div><div><div><div><div><div><div><div><p><i><span style='font-family:"Verdana",sans-serif;color:black'>Jan Kelly, JD/MBA<br></span></i><span style='font-family:"Verdana",sans-serif;color:black'>Attorney at Law </span><o:p></o:p></p><p><span style='font-family:"Verdana",sans-serif;color:black'>J</span>K Law<br>PO Box 1964<br>Poulsbo, WA 98370<br>Direct Line (702) 338-6733<br>Facsimile (360) 779-2265<o:p></o:p></p><p><i><span style='font-family:"Verdana",sans-serif;color:black'>Licensed in Nevada and Washington</span></i><span style='font-family:"Verdana",sans-serif;color:black'>.</span><o:p></o:p></p><p><img border=0 width=200 height=32 id="_x0000_i1025" src="https://static.wealthcounsel.com/static/15185383862255917797.jpg"><o:p></o:p></p><p><span style='font-size:10.0pt;font-family:"Verdana",sans-serif;color:black'>THIS EMAIL MESSAGE AND ANY ATTACHMENTS ARE CONFIDENTIAL AND INTENDED ONLY FOR THE USE OF THE INDIVIDUAL OR ENTITY TO WHICH IT IS ADDRESSED AND MAY CONTAIN INFORMATION THAT IS PRIVILEGED, CONFIDENTIAL AND EXEMPT FROM DISCLOSURE UNDER APPLICABLE LAW. Any unauthorized review, use, copying, disclosure or distribution of any information contained in or attached to this communication is STRICTLY PROHIBITED. If you have received this communication in error, or are not the named recipient, please immediately notify the sender by email by "reply to sender only" and delete this message and any attached documents from your computer. Receipt by anyone other than the intended recipient(s) is not a waiver of confidentiality and/or any legal privilege. Thank you.</span><o:p></o:p></p></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></body></html>