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<p class="MsoNormal">There is far more to this mess. Like 2 subsequent DOTs to a big bank lender that all 4 signed and title missed the this underlying little loan. Apparently little lender’s title company also missed big bank because big bank was never notified
that their junior interest is being foreclosed. I don’t want to take a chance that little lender is not going to advance some theory that the entire property interest is being foreclosed and since they refuse to discuss it with me. The whole thing is a hot
mess, time to stop the train. Easier to fix it than try to undo it. <o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
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<p class="MsoNormal"><b><span style="mso-ligatures:none">From:</span></b><span style="mso-ligatures:none"> wsbarp-bounces@lists.wsbarppt.com <wsbarp-bounces@lists.wsbarppt.com>
<b>On Behalf Of </b>Joseph McIntosh<br>
<b>Sent:</b> Friday, July 7, 2023 2:55 PM<br>
<b>To:</b> WSBA Real Property Listserv <wsbarp@lists.wsbarppt.com><br>
<b>Subject:</b> Re: [WSBARP] encumbering a partial interest.<o:p></o:p></span></p>
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<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><span style="color:#1F497D">How do you know the lender is foreclosing everyone’s interest? I think the foreclosure notice states it’s the grantor’s interest that is being auctioned. I don’t think the notice itemizes other potential interests.
The Deed of Trust Act will limit the interest conveyed by deed. That’s why it’s a no warranty deed – you really need to do your research to learn what your getting. <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><span style="mso-ligatures:none">From:</span></b><span style="mso-ligatures:none">
<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>Craig Gourley<br>
<b>Sent:</b> Friday, July 7, 2023 2:37 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> Re: [WSBARP] encumbering a partial interest.<o:p></o:p></span></p>
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<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">Agreed. Lender is willing to talk but their attorney won’t give me permission to speak directly with them and attorney will not return calls or e mails. Going for an injunction on Monday.
<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
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<p class="MsoNormal"><b><span style="mso-ligatures:none">From:</span></b><span style="mso-ligatures:none">
<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>Eric Nelsen<br>
<b>Sent:</b> Friday, July 7, 2023 2:34 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> Re: [WSBARP] encumbering a partial interest.<o:p></o:p></span></p>
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<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">They might be one-third interests total for each of them, but that means each of them owns a 1/12 (one-third of a one-quarter) interest that is encumbered by C’s mortgage.<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<div>
<p class="MsoNormal"><span style="mso-ligatures:none">Sincerely,<o:p></o:p></span></p>
<p class="MsoNormal"><span style="mso-ligatures:none"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="mso-ligatures:none">Eric<o:p></o:p></span></p>
<p class="MsoNormal"><span style="mso-ligatures:none"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="mso-ligatures:none">Eric C. Nelsen<o:p></o:p></span></p>
<p class="MsoNormal"><span style="mso-ligatures:none">Sayre Law Offices, PLLC<o:p></o:p></span></p>
<p class="MsoNormal"><span style="mso-ligatures:none">1417 31st Ave South<o:p></o:p></span></p>
<p class="MsoNormal"><span style="mso-ligatures:none">Seattle WA 98144-3909<o:p></o:p></span></p>
<p class="MsoNormal"><span style="mso-ligatures:none">206-625-0092<o:p></o:p></span></p>
<p class="MsoNormal"><span style="mso-ligatures:none"><a href="mailto:eric@sayrelawoffices.com">eric@sayrelawoffices.com</a><o:p></o:p></span></p>
</div>
<p class="MsoNormal"><o:p> </o:p></p>
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<p class="MsoNormal"><b><span style="mso-ligatures:none">From:</span></b><span style="mso-ligatures:none">
<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>Craig Gourley<br>
<b>Sent:</b> Friday, July 7, 2023 2:22 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> Re: [WSBARP] encumbering a partial interest.<o:p></o:p></span></p>
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<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">Actually his interest does go to the other 3 by will so essentially they are 1/3 each now. Seems the DOT should still only encumber a total 25% interest in the property. <o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
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<p class="MsoNormal"><b><span style="mso-ligatures:none">From:</span></b><span style="mso-ligatures:none">
<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>Jimmy Garg<br>
<b>Sent:</b> Friday, July 7, 2023 1:29 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> Re: [WSBARP] encumbering a partial interest.<o:p></o:p></span></p>
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<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">Chucklehead is allowed to burden his own interest, unless the lender claims he was acting as an agent on behalf of everyone, but then RCW 5.60.030 could come into play, since chucklehead died. One thing to be careful about is if the remaining
do probate stating the deceased’s share should go to them, instead of deceased’s heirs.<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<div>
<p class="MsoNormal"><span style="mso-ligatures:none">Jimmy Garg, Esq.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="mso-ligatures:none">Jimmy Garg, PLLC<o:p></o:p></span></p>
<p class="MsoNormal"><span style="mso-ligatures:none">300 Lenora Street # 1063<br>
Seattle, WA 98121 <o:p></o:p></span></p>
<p class="MsoNormal"><span style="mso-ligatures:none">206-580-3790 (p) 206-736-3218 (f)<o:p></o:p></span></p>
<p class="MsoNormal" style="background:white"><b><span style="font-size:9.0pt;font-family:"Segoe UI",sans-serif;color:black;mso-ligatures:none">Notice:</span></b><span style="font-size:9.0pt;font-family:"Segoe UI",sans-serif;color:black;mso-ligatures:none"> Unless
you have previously signed an engagement agreement with this firm, and the firm has accepted you as a client, then NO exchange of information by virtue of e-mails or other communications will create an attorney-client relationship, including a duty of confidentiality,
between sender and/or recipient.</span><span style="mso-ligatures:none"><o:p></o:p></span></p>
<p class="MsoNormal" style="background:white"><b><span style="font-size:9.0pt;font-family:"Segoe UI",sans-serif;color:navy;mso-ligatures:none">Confidentiality Note:</span></b><span style="font-size:9.0pt;font-family:"Segoe UI",sans-serif;color:navy;mso-ligatures:none">
This e-mail, and any attachment to it, contains privileged and confidential information intended only for the use of the individual(s) or entity named on the e-mail. If the reader of this e-mail is not the intended recipient, or the employee or agent responsible
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<p class="MsoNormal" style="background:white"><span style="font-size:9.0pt;font-family:"Segoe UI",sans-serif;color:red;mso-ligatures:none">Please note that due to COVID-19, this office is not currently accepting in person appointments.</span><span style="mso-ligatures:none"><o:p></o:p></span></p>
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<p class="MsoNormal"><o:p> </o:p></p>
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<p class="MsoNormal"><b><span style="mso-ligatures:none">From:</span></b><span style="mso-ligatures:none">
<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>Eric Nelsen<br>
<b>Sent:</b> Friday, July 7, 2023 1:01 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> Re: [WSBARP] encumbering a partial interest.<o:p></o:p></span></p>
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<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">You are correct: Chucklehead only burdened his own interest in the property. If all four names are on title, I don’t see any viable theory that would allow C’s signature on a deed of trust to also encumber the other three owners’ interests.<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
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<p class="MsoNormal"><span style="mso-ligatures:none">Sincerely,<o:p></o:p></span></p>
<p class="MsoNormal"><span style="mso-ligatures:none"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="mso-ligatures:none">Eric<o:p></o:p></span></p>
<p class="MsoNormal"><span style="mso-ligatures:none"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="mso-ligatures:none">Eric C. Nelsen<o:p></o:p></span></p>
<p class="MsoNormal"><span style="mso-ligatures:none">Sayre Law Offices, PLLC<o:p></o:p></span></p>
<p class="MsoNormal"><span style="mso-ligatures:none">1417 31st Ave South<o:p></o:p></span></p>
<p class="MsoNormal"><span style="mso-ligatures:none">Seattle WA 98144-3909<o:p></o:p></span></p>
<p class="MsoNormal"><span style="mso-ligatures:none">206-625-0092<o:p></o:p></span></p>
<p class="MsoNormal"><span style="mso-ligatures:none"><a href="mailto:eric@sayrelawoffices.com">eric@sayrelawoffices.com</a><o:p></o:p></span></p>
</div>
<p class="MsoNormal"><o:p> </o:p></p>
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<div style="border:none;border-top:solid #E1E1E1 1.0pt;padding:3.0pt 0in 0in 0in">
<p class="MsoNormal"><b><span style="mso-ligatures:none">From:</span></b><span style="mso-ligatures:none">
<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>Craig Gourley<br>
<b>Sent:</b> Friday, July 7, 2023 12:50 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] encumbering a partial interest.<o:p></o:p></span></p>
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<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">Listmates, I think I know the common sense answer to this question but I have little faith that common sense applies to most legal matters. Facts- 4 people own a home together. Their names are all on the title with no indication of
percentage or characterization ( JT or TIC or ?). One chucklehead goes and gets a loan without the knowledge or consent of the other 3 and gives a DOT against the property. Chucklehead then dies and loan goes into default. Lender is now foreclosing. The
question is this. Did Chucklehead only encumber an undivided 25% intertest or is there some legal theory that he was able to unilaterally grant a security interest in the entire property to the lender? Thanks much to anyone still in the office on a sunny
Friday. <o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><b><span style="mso-ligatures:none">GOURLEY LAW GROUP</span></b><span style="mso-ligatures:none"><o:p></o:p></span></p>
<p class="MsoNormal"><b><span style="mso-ligatures:none">THE EXCHANGE CONNECTION</span></b><span style="mso-ligatures:none"><o:p></o:p></span></p>
<p class="MsoNormal"><b><span style="mso-ligatures:none">SNOHOMISH ESCROW </span>
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<p class="MsoNormal"><span style="mso-ligatures:none">P.O. Box 1091<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="mso-ligatures:none">PH: (360) 568-5065 (800) 291-8401<o:p></o:p></span></p>
<p class="MsoNormal"><span style="mso-ligatures:none">Fax: (360) 568-8092 <o:p></o:p></span></p>
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