<html><head><meta http-equiv="Content-Type" content="text/html; charset=us-ascii"><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;}
/* Style Definitions */
p.MsoNormal, li.MsoNormal, div.MsoNormal
{margin:0in;
font-size:11.0pt;
font-family:"Calibri",sans-serif;}
span.EmailStyle17
{mso-style-type:personal-compose;
font-family:"Times New Roman",serif;
color:windowtext;}
.MsoChpDefault
{mso-style-type:export-only;
font-family:"Calibri",sans-serif;
mso-ligatures:none;}
@page WordSection1
{size:8.5in 11.0in;
margin:1.0in 1.0in 1.0in 1.0in;}
div.WordSection1
{page:WordSection1;}
--></style></head><body lang="EN-US" link="#0563C1" vlink="#954F72" style="word-wrap:break-word"><div class="WordSection1"><p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Times New Roman",serif">Assume a 2010 standard Washington vehicle installment agreement which was secured by a deed of trust and the vehicle. </span></p><p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Times New Roman",serif"> </span></p><p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Times New Roman",serif">In 2016 the borrower defaulted/surrendered vehicle and the lender sold the vehicle for a deficiency of $5000. Lender acquires a 2016 small claims judgment which was never recorded.</span></p><p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Times New Roman",serif"> </span></p><p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Times New Roman",serif">Lender wants me to start foreclosure on the deed of trust for the small claims judgment amount.</span></p><p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Times New Roman",serif"> </span></p><p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Times New Roman",serif">I think his remedy would be to record the small claim judgment against the real estate and start a judicial foreclosure.</span></p><p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Times New Roman",serif"> </span></p><p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Times New Roman",serif">Also to calendar follow up to ensure judgment is extended in due course if lender opts not to proceed.</span></p><p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Times New Roman",serif"> </span></p><p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Times New Roman",serif">What say you?</span></p><p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Times New Roman",serif"> </span></p><p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Times New Roman",serif"> </span></p><p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Times New Roman",serif">Robert R. Rowley</span></p><p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Times New Roman",serif">Attorney & Counselor At Law</span></p><p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Times New Roman",serif">p: 509.252.5074 m: 509.994.1143</span></p><p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Times New Roman",serif">f: 509.519.1406</span></p><p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Times New Roman",serif">a: 7 S Howard St, Ste 218, Spokane, WA 99201</span></p><p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Times New Roman",serif">w: <a href="http://rowleylegal.com">rowleylegal.com</a> e: </span><span style="mso-ligatures:standardcontextual"><a href="mailto:rob@rowleylegal.com"><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:blue">rob@rowleylegal.com</span></a></span><span style="font-size:12.0pt;font-family:"Times New Roman",serif"></span></p><p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Times New Roman",serif">Google Review: </span><span style="mso-ligatures:standardcontextual"><a href="https://g.page/r/CTxNMUIBtg1SEAg/review"><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:blue">https://g.page/r/CTxNMUIBtg1SEAg/review</span></a></span><span style="font-size:12.0pt;font-family:"Times New Roman",serif"></span></p><p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Times New Roman",serif"> </span></p><p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Times New Roman",serif"> Practice concentrated on business, real estate and general legal matters in Washington and Idaho. NOTICE: The contents of this message and any attachments may be protected by the attorney-client privilege, work product doctrine or other applicable protections. If you are not the intended recipient or have received this message in error, please notify the sender and promptly delete the message. Thank you for your assistance. DISCLAIMER: You should recognize that responses provided by e-mail means are akin to ordinary telephone or face-to-face conversations and do not reflect the level of factual or legal inquiry or analysis which would be applied in the case of a formal legal opinion. A formal opinion may very well reach a different conclusion.</span></p><p class="MsoNormal"><span style="mso-ligatures:standardcontextual"> </span></p><p class="MsoNormal"> </p></div></body></html>