<html xmlns:v="urn:schemas-microsoft-com:vml" xmlns:o="urn:schemas-microsoft-com:office:office" xmlns:w="urn:schemas-microsoft-com:office:word" xmlns:m="http://schemas.microsoft.com/office/2004/12/omml" xmlns="http://www.w3.org/TR/REC-html40">
<head>
<meta http-equiv="Content-Type" content="text/html; charset=utf-8">
<meta name="Generator" content="Microsoft Word 15 (filtered medium)">
<!--[if !mso]><style>v\:* {behavior:url(#default#VML);}
o\:* {behavior:url(#default#VML);}
w\:* {behavior:url(#default#VML);}
.shape {behavior:url(#default#VML);}
</style><![endif]--><style><!--
/* Font Definitions */
@font-face
{font-family:Helvetica;
panose-1:2 11 6 4 2 2 2 2 2 4;}
@font-face
{font-family:Wingdings;
panose-1:5 0 0 0 0 0 0 0 0 0;}
@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;}
@font-face
{font-family:Aptos;}
@font-face
{font-family:"Arial Narrow";
panose-1:2 11 6 6 2 2 2 3 2 4;}
@font-face
{font-family:Cambria;
panose-1:2 4 5 3 5 4 6 3 2 4;}
@font-face
{font-family:Corbel;
panose-1:2 11 5 3 2 2 4 2 2 4;}
@font-face
{font-family:Tahoma;
panose-1:2 11 6 4 3 5 4 4 2 4;}
@font-face
{font-family:TimesNewRomanPSMT;}
/* Style Definitions */
p.MsoNormal, li.MsoNormal, div.MsoNormal
{margin:0in;
font-size:12.0pt;
font-family:"Times New Roman",serif;}
a:link, span.MsoHyperlink
{mso-style-priority:99;
color:blue;
text-decoration:underline;}
span.apple-converted-space
{mso-style-name:apple-converted-space;}
span.EmailStyle21
{mso-style-type:personal-reply;
font-family:"Arial",sans-serif;
font-variant:normal !important;
color:#002060;
text-transform:none;
font-weight:normal;
font-style:normal;
text-decoration:none none;
vertical-align:baseline;}
.MsoChpDefault
{mso-style-type:export-only;
font-size:10.0pt;
mso-ligatures:none;}
@page WordSection1
{size:8.5in 11.0in;
margin:1.0in 1.0in 1.0in 1.0in;}
div.WordSection1
{page:WordSection1;}
/* List Definitions */
@list l0
{mso-list-id:1463384727;
mso-list-template-ids:-1895799450;}
@list l0:level1
{mso-level-tab-stop:.5in;
mso-level-number-position:left;
text-indent:-.25in;}
@list l0:level2
{mso-level-tab-stop:1.0in;
mso-level-number-position:left;
text-indent:-.25in;}
@list l0:level3
{mso-level-tab-stop:1.5in;
mso-level-number-position:left;
text-indent:-.25in;}
@list l0:level4
{mso-level-tab-stop:2.0in;
mso-level-number-position:left;
text-indent:-.25in;}
@list l0:level5
{mso-level-tab-stop:2.5in;
mso-level-number-position:left;
text-indent:-.25in;}
@list l0:level6
{mso-level-tab-stop:3.0in;
mso-level-number-position:left;
text-indent:-.25in;}
@list l0:level7
{mso-level-tab-stop:3.5in;
mso-level-number-position:left;
text-indent:-.25in;}
@list l0:level8
{mso-level-tab-stop:4.0in;
mso-level-number-position:left;
text-indent:-.25in;}
@list l0:level9
{mso-level-tab-stop:4.5in;
mso-level-number-position:left;
text-indent:-.25in;}
@list l1
{mso-list-id:2007512880;
mso-list-template-ids:-618897726;}
ol
{margin-bottom:0in;}
ul
{margin-bottom:0in;}
--></style><!--[if gte mso 9]><xml>
<o:shapedefaults v:ext="edit" spidmax="1026" />
</xml><![endif]--><!--[if gte mso 9]><xml>
<o:shapelayout v:ext="edit">
<o:idmap v:ext="edit" data="1" />
</o:shapelayout></xml><![endif]-->
</head>
<body lang="EN-US" link="blue" vlink="purple" style="word-wrap:break-word">
<div class="WordSection1">
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#002060">I took a look at
<u>Copper Creek</u>, as well as <u>Cedar West</u> and <u>Merceri</u>. Much of their discussions center around acceleration of the debt and tolling of the statute of limitations. I agree that a cause of action does accrue for each installment payment at the
time it is missed and that the statute of limitation to collect that individual installment payment begins to run at that time.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#002060"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#002060">However, according to the express language of the Note, as of October 1, 2019, the entire unpaid balance of the Note became due, not just individual installments.
Yes, the unpaid balance was affected by not making the individual installments. At that point, then, perhaps the unpaid balance would include only those amounts that which, by that time, had not been rendered uncollectible by the statute of limitations.
In any event, the amount due as of October 1, 2019, included far more than the amount of the missed installments (default interest, late fees, additional advances).<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#002060"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#002060">I'm trying to come up with an approach for the "proper" calculation of the amount due as of October 1, 2019. As of that date, a calculable sum certain was due.
The SOL on <u>that</u> debt runs until October 1, 2025. Do I then subtract from that amount the total of missed installment payments that are more than 6 years old from today's date? Or would it be more than 6 years old from October 1, 2019? And what about
interest that had accrued during that period on the entire debt (and not just on the amount of each missed installment payments)?<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#002060"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#002060">I could still use some help in finding support for Bryce Dille’s analysis. All other feedback is welcome as well.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#002060"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#002060">Thanks.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#002060"><o:p> </o:p></span></p>
<div>
<p class="MsoNormal" style="margin-bottom:12.0pt"><b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#002060;mso-ligatures:standardcontextual">Mark B. Anderson<br>
</span></b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#002060;mso-ligatures:standardcontextual">ANDERSON LAW FIRM PLLC<br>
821 Dock St Ste 209 PMB 4-12<br>
Tacoma, Washington 98402<br>
+1 253-327-1750<br>
+1 253-327-1751 (fax)<br>
<a href="mailto:marka@mbaesq.com"><span style="color:#002060">marka@mbaesq.com</span></a><br>
<a href="http://www.mbaesq.com/"><span style="color:#002060">www.mbaesq.com</span></a><b><o:p></o:p></b></span></p>
<p class="MsoNormal" style="margin-bottom:12.0pt"><b><span style="font-size:10.0pt;font-family:"Arial Narrow",sans-serif;color:#002060;mso-ligatures:standardcontextual">CONFIDENTIALITY NOTICE<br>
</span></b><span style="font-size:10.0pt;font-family:"Arial Narrow",sans-serif;color:#002060;mso-ligatures:standardcontextual">This transmission is confidential and is intended solely for the use of the individual named recipient. It may be protected by the
attorney-client privilege, work product doctrine, or other confidentiality protection. If you are not the intended recipient, or the person responsible to deliver it to the intended recipient, be advised that any dissemination, distribution, or copying of
this communication is prohibited. If you have received this transmission in error, please immediately notify the sender via e-mail or by telephone at (253) 327-1750 that you have received the message in error, and then delete it. Thank you.<o:p></o:p></span></p>
</div>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#002060"><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 <wsbarp-bounces@lists.wsbarppt.com>
<b>On Behalf Of </b>Gregory L. Ursich<br>
<b>Sent:</b> Wednesday, November 6, 2024 1:45 PM<br>
<b>To:</b> WSBA Real Property Listserv <wsbarp@lists.wsbarppt.com><br>
<b>Subject:</b> Re: [WSBARP] Deed of Trust Enforceability Issues<o:p></o:p></span></p>
</div>
</div>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><a name="_Hlk84576999"></a><a name="_Hlk84576711"><span style="mso-bookmark:_Hlk84576999"><span style="font-size:11.0pt;font-family:"Aptos",sans-serif">Mark: A Recent Supreme court opinion in
<i>Copper Creek, </i>addressed the statute of limitations as to payments under a deed of trust. If the underlying note had language calling for installment payments (monthly, quarterly, annually etc.) then the statute of limitations runs separately (6 years)
on each installment from its due date. If only one payment is due, then statute of limitations runs from the date that payment is made.
<o:p></o:p></span></span></a></p>
<p class="MsoNormal"><span style="mso-bookmark:_Hlk84576711"><span style="mso-bookmark:_Hlk84576999"><span style="font-size:11.0pt;font-family:"Aptos",sans-serif"><o:p> </o:p></span></span></span></p>
<div>
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="535" style="width:401.25pt;margin-left:-5.25pt;border-collapse:collapse">
<tbody>
<tr style="height:49.95pt">
<td width="134" style="width:1.4in;padding:0in 5.4pt 0in 5.4pt;height:49.95pt">
<p class="MsoNormal" align="center" style="text-align:center"><span style="mso-bookmark:_Hlk84576711"><span style="mso-bookmark:_Hlk84576999"><span style="font-size:11.0pt;font-family:"Aptos",sans-serif"><img border="0" width="121" height="64" style="width:1.2604in;height:.6666in" id="Picture_x0020_2" src="cid:image001.png@01DB3060.F581CDC0" alt="Logo, company name
Description automatically generated"></span></span></span><span style="mso-bookmark:_Hlk84576711"><span style="mso-bookmark:_Hlk84576999"><span style="font-size:11.0pt;font-family:"Aptos",sans-serif"><o:p></o:p></span></span></span></p>
</td>
<span style="mso-bookmark:_Hlk84576711"><span style="mso-bookmark:_Hlk84576999"></span></span>
<td width="401" style="width:300.45pt;padding:0in 5.4pt 0in 5.4pt;height:49.95pt">
<p class="MsoNormal"><span style="mso-bookmark:_Hlk84576711"><span style="mso-bookmark:_Hlk84576999"><b><span style="font-size:10.0pt;font-family:"Aptos",sans-serif;color:black">Gregory L. Ursich | Shareholder<o:p></o:p></span></b></span></span></p>
<p class="MsoNormal"><span style="mso-bookmark:_Hlk84576711"><span style="mso-bookmark:_Hlk84576999"><span style="font-size:9.0pt;font-family:"Aptos",sans-serif;color:black">Skyline Tower, Suite 1500 | 10900 NE 4th Street | Bellevue, WA 98004<o:p></o:p></span></span></span></p>
<p class="MsoNormal"><span style="mso-bookmark:_Hlk84576711"><span style="mso-bookmark:_Hlk84576999"><span style="font-size:9.0pt;font-family:"Aptos",sans-serif;color:black">P: 425.450.4258 | F: 425.635.7720<o:p></o:p></span></span></span></p>
<p class="MsoNormal"><span style="mso-bookmark:_Hlk84576711"><span style="mso-bookmark:_Hlk84576999"></span></span><a href="mailto:http://www.insleebest.com/uploads/vcards/gursich.vcf"><span style="mso-bookmark:_Hlk84576711"><span style="mso-bookmark:_Hlk84576999"><span style="font-size:9.0pt;font-family:"Aptos",sans-serif;color:#0563C1">vCard</span></span></span><span style="mso-bookmark:_Hlk84576711"><span style="mso-bookmark:_Hlk84576999"></span></span></a><span style="mso-bookmark:_Hlk84576711"><span style="mso-bookmark:_Hlk84576999"><span style="font-size:9.0pt;font-family:"Aptos",sans-serif;color:black">
| </span></span></span><a href="mailto:www.insleebest.com"><span style="mso-bookmark:_Hlk84576711"><span style="mso-bookmark:_Hlk84576999"><span style="font-size:9.0pt;font-family:"Aptos",sans-serif;color:#0563C1">website</span></span></span><span style="mso-bookmark:_Hlk84576711"><span style="mso-bookmark:_Hlk84576999"></span></span></a><span style="mso-bookmark:_Hlk84576711"><span style="mso-bookmark:_Hlk84576999"><span style="font-size:9.0pt;font-family:"Aptos",sans-serif;color:black">
| </span></span></span><a href="mailto:gursich@insleebest.com"><span style="mso-bookmark:_Hlk84576711"><span style="mso-bookmark:_Hlk84576999"><span style="font-size:9.0pt;font-family:"Aptos",sans-serif;color:#0563C1">gursich@insleebest.com</span></span></span><span style="mso-bookmark:_Hlk84576711"><span style="mso-bookmark:_Hlk84576999"></span></span></a><span style="mso-bookmark:_Hlk84576711"><span style="mso-bookmark:_Hlk84576999"><span style="font-size:9.0pt;font-family:"Aptos",sans-serif;color:black"><o:p></o:p></span></span></span></p>
<span style="mso-bookmark:_Hlk84576711"><span style="mso-bookmark:_Hlk84576999"></span></span>
<p class="MsoNormal"><span style="mso-bookmark:_Hlk84576711"><span style="mso-bookmark:_Hlk84576999"><span style="font-size:5.0pt;font-family:"Aptos",sans-serif;color:white"><o:p> </o:p></span></span></span></p>
</td>
<span style="mso-bookmark:_Hlk84576711"><span style="mso-bookmark:_Hlk84576999"></span></span>
</tr>
</tbody>
</table>
<span style="mso-bookmark:_Hlk84576711"></span>
<p class="MsoNormal"><span style="mso-bookmark:_Hlk84576999"><b><span style="font-size:9.0pt;font-family:"Aptos",sans-serif"><o:p> </o:p></span></b></span></p>
<p class="MsoNormal"><span style="mso-bookmark:_Hlk84576999"><span style="font-size:10.0pt;font-family:"Aptos",sans-serif;color:black">This electronic mail transmission is privileged and confidential and is intended only for the review of the party to whom
it is addressed. If you have received this transmission in error, please immediately return it to the sender. Unintended transmission shall not constitute waiver of the attorney-client or any other privilege.</span></span><span style="font-size:10.0pt;font-family:"Aptos",sans-serif;color:black"><o:p></o:p></span></p>
</div>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Aptos",sans-serif"><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">
<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>Mark Anderson<br>
<b>Sent:</b> Wednesday, November 6, 2024 12:28 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] Deed of Trust Enforceability Issues<o:p></o:p></span></p>
</div>
</div>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#002060">The Note (form LPB 28A-05) requires the monthly payment of principal and interest installments. But then it does go on to read,
<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#002060"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#002060">"<b>DUE DATE</b>: The entire balance of this Note together with any and all interest accrued thereon shall be due and payable in full on
the <b>October 1, 2019 7 year term</b>."<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#002060"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#002060">Are you all saying, then, that the statute of limitation began to run on October 1, 2019?<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#002060"><o:p> </o:p></span></p>
<div>
<p class="MsoNormal" style="margin-bottom:12.0pt"><b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#002060;mso-ligatures:standardcontextual">Mark B. Anderson<br>
</span></b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#002060;mso-ligatures:standardcontextual">ANDERSON LAW FIRM PLLC<br>
821 Dock St Ste 209 PMB 4-12<br>
Tacoma, Washington 98402<br>
+1 253-327-1750<br>
+1 253-327-1751 (fax)<br>
<a href="mailto:marka@mbaesq.com"><span style="color:#002060">marka@mbaesq.com</span></a><br>
<a href="http://www.mbaesq.com/"><span style="color:#002060">www.mbaesq.com</span></a><b><o:p></o:p></b></span></p>
<p class="MsoNormal" style="margin-bottom:12.0pt"><b><span style="font-size:10.0pt;font-family:"Arial Narrow",sans-serif;color:#002060;mso-ligatures:standardcontextual">CONFIDENTIALITY NOTICE<br>
</span></b><span style="font-size:10.0pt;font-family:"Arial Narrow",sans-serif;color:#002060;mso-ligatures:standardcontextual">This transmission is confidential and is intended solely for the use of the individual named recipient. It may be protected by the
attorney-client privilege, work product doctrine, or other confidentiality protection. If you are not the intended recipient, or the person responsible to deliver it to the intended recipient, be advised that any dissemination, distribution, or copying of
this communication is prohibited. If you have received this transmission in error, please immediately notify the sender via e-mail or by telephone at (253) 327-1750 that you have received the message in error, and then delete it. Thank you.<o:p></o:p></span></p>
</div>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#002060"><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">
<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>Bryce Dille<br>
<b>Sent:</b> Wednesday, November 6, 2024 11:40 AM<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] Deed of Trust Enforceability Issues<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">It depends on the language in the note if the note says the entire principal balance together with accrued interest must be paid on or before a certain date even though it
is an installment note then the final installment is whatever hasn't been paid up to that date and therefore the statute of limitations would run on that date however if the installment note simply said X dollars a month at a certain rate of interest until
paid in full then I would agree the statute of limitations begins to run on each installment under the note and all you can collect are those installments that haven't been paid within the statute of limitations period.<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>
<div>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;mso-ligatures:standardcontextual">Bryce H. Dille</span><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;mso-ligatures:standardcontextual">Dille Law, PLLC<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;mso-ligatures:standardcontextual">1800 Cooper Point Road SW Bldg 11<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;mso-ligatures:standardcontextual">Olympia, WA 98502<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;mso-ligatures:standardcontextual">Office: 360-350-0270<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;mso-ligatures:standardcontextual">Cell: 253-579-5561<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"><b><span style="font-size:14.0pt;color:red;mso-ligatures:standardcontextual">PLEASE NOTE:
</span></b><span style="font-size:11.0pt;color:red;mso-ligatures:standardcontextual">our new address above.</span><span style="font-size:11.0pt;mso-ligatures:standardcontextual"><o:p></o:p></span></p>
<p class="MsoNormal"><b><u><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:red;mso-ligatures:standardcontextual"><o:p><span style="text-decoration:none"> </span></o:p></span></u></b></p>
<p class="MsoNormal"><b><u><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:red;mso-ligatures:standardcontextual">** 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></u></b></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;mso-ligatures:standardcontextual"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;mso-ligatures:standardcontextual"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;mso-ligatures:standardcontextual"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;mso-ligatures:standardcontextual"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black"><img border="0" width="147" height="39" style="width:1.5312in;height:.4062in" id="yiv4204109992_x005f_x0000_i1027" src="cid:image002.png@01DB3060.F581CDC0" alt="R_Alan_Swanson-WH-200"></span><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;mso-ligatures:standardcontextual"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;mso-ligatures:standardcontextual"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;mso-ligatures:standardcontextual">This transmission contains confidential attorney-client communications and may not be disclosed to any person but the intended recipient(s).
If this matter is transmitted to you in error, please notify the sender immediately. <o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;mso-ligatures:standardcontextual"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;mso-ligatures:standardcontextual">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>
</div>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><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">
<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>Mark McClure<br>
<b>Sent:</b> Wednesday, November 6, 2024 11:09 AM<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] Deed of Trust Enforceability Issues<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">Read it. Doesn’t appear to overrule Herzog:</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D"> </span><o:p></o:p></p>
<p class="MsoNormal"><i><span style="font-size:9.0pt;font-family:"Arial",sans-serif;color:#222222;background:white">¶21 Applying the principles outlined above to this case, the six-year statute of limitations on each individual missed installment payment began
to run on the due date of each missed payment. <u>Thus, there are some individual installment payments that may now be barred by the six-year statute of limitations.</u> But the final statute of limitations has not yet begun to run on any of the notes or deeds
of trust. That final statute of limitation will not begin to run on any note or its corresponding deed of trust until that note reaches maturity. </span></i><i><span style="font-size:9.0pt"><a href="https://urldefense.proofpoint.com/v2/url?u=https-3A__scholar.google.com_scholar-5Fcase-3Fcase-3D15542112841248524962-26q-3DSee-2BMerritt-2Bv.-2BUSAA-2BFederal-2BSavings-2BBank-26hl-3Den-26as-5Fsdt-3D4-2C48&d=DwMFaQ&c=euGZstcaTDllvimEN8b7jXrwqOf-v5A_CdpgnVfiiMM&r=ZjJT61sMYHYXW1a7W0qvaz-zO3o_Ea2RRxXvW5Yr3-0&m=vSs1q2sbKwNS_ejX5tADoybAxenkCbm-gQWGvb6-1_8RwQa4PELZ68mZhhsVBVvc&s=uedoKt0oU1c0SoX9YB1CB2eqRyJdZwzauJJ2w_wr4ek&e="><span style="font-family:"Arial",sans-serif;color:#1A0DAB;background:white">Wash.
Fed., 195 Wash. App. at 663, 382 P.3d 20</span></a></span></i><i><span style="font-size:9.0pt;font-family:"Arial",sans-serif;color:#222222;background:white"> (citing </span></i><i><span style="font-size:9.0pt"><a href="https://urldefense.proofpoint.com/v2/url?u=https-3A__scholar.google.com_scholar-5Fcase-3Fcase-3D6381401726308915942-26q-3DSee-2BMerritt-2Bv.-2BUSAA-2BFederal-2BSavings-2BBank-26hl-3Den-26as-5Fsdt-3D4-2C48&d=DwMFaQ&c=euGZstcaTDllvimEN8b7jXrwqOf-v5A_CdpgnVfiiMM&r=ZjJT61sMYHYXW1a7W0qvaz-zO3o_Ea2RRxXvW5Yr3-0&m=vSs1q2sbKwNS_ejX5tADoybAxenkCbm-gQWGvb6-1_8RwQa4PELZ68mZhhsVBVvc&s=5YjX3RoTOFNpKpGwuLyvwtbHeAj9QDxf0FRpuBJS3Bk&e="><span style="font-family:"Arial",sans-serif;color:#1A0DAB;background:white">Hopper
v. Hemphill, 19 Wash. App. 334, 335-36, 575 P.2d 746 (1978)</span></a></span></i><i><span style="font-size:9.0pt;font-family:"Arial",sans-serif;color:#222222;background:white">; </span></i><i><span style="font-size:9.0pt"><a href="https://urldefense.proofpoint.com/v2/url?u=https-3A__scholar.google.com_scholar-5Fcase-3Fcase-3D12471014541614950616-26q-3DSee-2BMerritt-2Bv.-2BUSAA-2BFederal-2BSavings-2BBank-26hl-3Den-26as-5Fsdt-3D4-2C48&d=DwMFaQ&c=euGZstcaTDllvimEN8b7jXrwqOf-v5A_CdpgnVfiiMM&r=ZjJT61sMYHYXW1a7W0qvaz-zO3o_Ea2RRxXvW5Yr3-0&m=vSs1q2sbKwNS_ejX5tADoybAxenkCbm-gQWGvb6-1_8RwQa4PELZ68mZhhsVBVvc&s=i_rIZU39FfNSk-xuk9ly2FPBrNdq4jE69-J9zIy0h7k&e="><span style="font-family:"Arial",sans-serif;color:#1A0DAB;background:white">Westar
Funding, 157 Wash. App. at 784, 239 P.3d 1109</span></a></span></i><i><span style="font-size:9.0pt;font-family:"Arial",sans-serif;color:#222222;background:white">; 31 WILLISTON & LORD, supra, § 79:17, at 338, § 79:18, at 347-50).</span></i><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D"> </span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D"> </span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D"> </span><o:p></o:p></p>
<div>
<p class="MsoNormal" style="background:white"><b><span style="font-size:10.0pt;font-family:"Helvetica",sans-serif;color:#4C76A2"> </span></b><o:p></o:p></p>
<p class="MsoNormal" style="background:white"><b><span style="font-family:"Helvetica",sans-serif;color:#4C76A2">Mark C. McClure</span></b><b><span style="font-size:24.0pt;font-family:"Helvetica",sans-serif;color:#4C76A2">
</span></b><b><span style="font-family:"Helvetica",sans-serif;color:#4C76A2">| </span>
</b><i><span style="font-size:10.0pt;font-family:"Helvetica",sans-serif;color:#4C76A2">Managing Attorney <br>
</span></i><span style="font-size:10.0pt;font-family:"Helvetica",sans-serif;color:navy">Law Office of Mark McClure, PS<b> <br>
</b><i>"Why Retire With Debt?"<br>
</i>1103 West Meeker Street, #101<br>
Kent, WA 98032</span><o:p></o:p></p>
<p class="MsoNormal" style="background:white"><span style="font-size:10.0pt;font-family:"Helvetica",sans-serif;color:navy">Office: 253.631.6484 (Leave Msg - Will be returned within 24 hours)<br>
</span><span style="font-size:11.0pt;font-family:"Helvetica",sans-serif;color:#003399">Email: <a href="mailto:Mark@McClureLawGroup.com" target="_blank"><span style="color:purple">Mark@McClureLawGroup.com</span></a><br>
Web: <a href="https://urldefense.proofpoint.com/v2/url?u=http-3A__www.mcclurelawgroup.com_&d=DwMFaQ&c=euGZstcaTDllvimEN8b7jXrwqOf-v5A_CdpgnVfiiMM&r=ZjJT61sMYHYXW1a7W0qvaz-zO3o_Ea2RRxXvW5Yr3-0&m=vSs1q2sbKwNS_ejX5tADoybAxenkCbm-gQWGvb6-1_8RwQa4PELZ68mZhhsVBVvc&s=6uvC46npZr1_aHlTsTIbOdexlrz8hxh3Wf-ZWoB7bs8&e=">
www.McClureLawGroup.com</a> </span><o:p></o:p></p>
<p class="MsoNormal" style="background:white"><b><span style="font-size:10.0pt;font-family:"Helvetica",sans-serif;color:#1F497D">Notice of Unavailability:</span></b><span style="font-size:10.0pt;font-family:"Helvetica",sans-serif;color:#1F497D"> </span><b><span style="font-size:10.0pt;font-family:"Helvetica",sans-serif;color:red"> November
27, 2024 – November 29, 2024</span></b><o:p></o:p></p>
<p class="MsoNormal" style="background:white"><b><span style="font-size:9.0pt;font-family:"Helvetica",sans-serif;color:#C0504D">**NOTE** All visits must be scheduled in advance for access to the building. Call
</span></b><span style="font-size:9.0pt;font-family:"Helvetica",sans-serif;color:#C0504D">253-631-6484
<b> to schedule.</b></span><o:p></o:p></p>
<p class="MsoNormal" style="background:white"><b><span style="font-size:10.0pt;font-family:"Helvetica",sans-serif;color:navy">CONFIDENTIALITY NOTICE:</span></b><span style="font-size:10.0pt;font-family:"Helvetica",sans-serif;color:navy"> </span><span style="font-size:10.0pt;font-family:"Helvetica",sans-serif;color:#1C1E21;background:#F2F3F5">This
email contains legal stuff. If you are not the intended recipient you could get into a lot of trouble if you read it, and even more trouble if you tell someone else about it. So, the best thing to do is ignore it and forget you ever saw it. Thank you.</span><span style="font-size:10.0pt;font-family:"Helvetica",sans-serif;color:navy"> </span><o:p></o:p></p>
<p class="MsoNormal" style="margin-bottom:6.0pt;background:white"><b><span style="font-size:10.0pt;font-family:"Helvetica",sans-serif;color:navy">Corporate/Trust Law News:</span></b><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:9.0pt;font-family:"Helvetica",sans-serif;color:black">FINCer Notice: Deadline: 12/31/2024: A Beneficial Ownership Information Report (BOIR) under the Corporate Transparency Act (CTA). The CTA requires certain types
of U.S. and foreign entities to report beneficial ownership information to the Financial Crimes Enforcement Network (FinCEN), a bureau of the U.S. Department of the Treasury. If you have an Interest in a Business or Trust – this may apply to you! </span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:9.0pt;font-family:"Helvetica",sans-serif;color:black;background:white">Civil penalty. Any person who fails to comply with the registration requirements may be liable for a civil penalty of up to
<u>$5,000 for each violation</u>. See </span><span style="font-size:9.0pt;font-family:"Helvetica",sans-serif;color:#1F497D;background:white"><a href="https://urldefense.proofpoint.com/v2/url?u=https-3A__www.fincen.gov_penalties&d=DwMFaQ&c=euGZstcaTDllvimEN8b7jXrwqOf-v5A_CdpgnVfiiMM&r=ZjJT61sMYHYXW1a7W0qvaz-zO3o_Ea2RRxXvW5Yr3-0&m=vSs1q2sbKwNS_ejX5tADoybAxenkCbm-gQWGvb6-1_8RwQa4PELZ68mZhhsVBVvc&s=UOs8Rg44NBpSFkJM_mUZinN_0TPSbeF0Y55ihIW6VuA&e="><span style="color:#1F497D">https://www.fincen.gov/penalties</span></a>.</span><span style="font-size:9.0pt;font-family:"Helvetica",sans-serif;color:black;background:white">
</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:9.0pt;font-family:"Helvetica",sans-serif;color:black">Video Explaining More here:
</span><u><span style="font-size:9.0pt;font-family:"Helvetica",sans-serif;color:#1F497D"><a href="https://urldefense.proofpoint.com/v2/url?u=https-3A__www.youtube.com_watch-3Fv-3D4qXv37hf4Dw&d=DwMFaQ&c=euGZstcaTDllvimEN8b7jXrwqOf-v5A_CdpgnVfiiMM&r=ZjJT61sMYHYXW1a7W0qvaz-zO3o_Ea2RRxXvW5Yr3-0&m=vSs1q2sbKwNS_ejX5tADoybAxenkCbm-gQWGvb6-1_8RwQa4PELZ68mZhhsVBVvc&s=WM39Krwuiu7T7zpOlkl403p40ate3ISKMcsW7vbQvW8&e="><span style="color:#1F497D">https://www.youtube.com/watch?v=4qXv37hf4Dw</span></a></span></u><u><span style="font-size:9.0pt;font-family:"Helvetica",sans-serif;color:black">.
</span></u><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:9.0pt;font-family:"Helvetica",sans-serif;color:black">You can file your report here:
</span><span style="font-size:9.0pt;font-family:"Helvetica",sans-serif;color:#1F497D"><a href="https://urldefense.proofpoint.com/v2/url?u=https-3A__boiefiling.fincen.gov_&d=DwMFaQ&c=euGZstcaTDllvimEN8b7jXrwqOf-v5A_CdpgnVfiiMM&r=ZjJT61sMYHYXW1a7W0qvaz-zO3o_Ea2RRxXvW5Yr3-0&m=vSs1q2sbKwNS_ejX5tADoybAxenkCbm-gQWGvb6-1_8RwQa4PELZ68mZhhsVBVvc&s=7iFZIYsgjt8i4_yRiAFOpTTkRLYCG3zZcrpLYF5AbdU&e="><span style="color:#1F497D">https://boiefiling.fincen.gov/</span></a></span><span style="font-size:9.0pt;font-family:"Helvetica",sans-serif;color:black">.
</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:9.0pt;font-family:"Helvetica",sans-serif;color:black">NOTE: If you would like our office to handle your current reporting requirements, we can do so for a flat fee of $1,000 per entity.</span><o:p></o:p></p>
</div>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D"> </span><o:p></o:p></p>
<div>
<div style="border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0in 0in 0in">
<p class="MsoNormal"><b><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif">From:</span></b><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif">
<a href="mailto:wsbarp-bounces@lists.wsbarppt.com">wsbarp-bounces@lists.wsbarppt.com</a> [mailto:<a href="mailto:wsbarp-bounces@lists.wsbarppt.com">wsbarp-bounces@lists.wsbarppt.com</a>]
<b>On Behalf Of </b>Randy Boyer<br>
<b>Sent:</b> Wednesday, November 6, 2024 9:28 AM<br>
<b>To:</b> Real Property Listserve<br>
<b>Subject:</b> Re: [WSBARP] Deed of Trust Enforceability Issues</span><o:p></o:p></p>
</div>
</div>
<p class="MsoNormal"> <o:p></o:p></p>
<p class="MsoNormal">See Merritt v. USAA Federal Savings Bank<o:p></o:p></p>
<div>
<p class="MsoNormal"> <o:p></o:p></p>
</div>
<div>
<div>
<div>
<div>
<div>
<p class="MsoNormal"><b><u><span style="font-size:11.0pt;font-family:"Corbel",sans-serif;color:#004B85">Randy M. Boyer ______</span></u></b><span style="font-size:11.0pt;font-family:"Corbel",sans-serif;color:#1F497D"><br>
</span><span style="font-size:11.0pt;font-family:"Corbel",sans-serif;color:#333333">Attorney, </span><span style="font-size:10.5pt;font-family:"Cambria",serif;color:black">WSBA# 8665</span><o:p></o:p></p>
</div>
<div>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#333333">Law Office of Randy M. Boyer, Inc. P.S. </span><span style="font-size:11.0pt;font-family:"Corbel",sans-serif;color:#1F497D"><br>
7017 196th St. S.W. Lynnwood, Washington 98036<br>
</span><span style="font-size:11.0pt;font-family:Wingdings;color:#999999">(</span><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#999999"> </span><span style="font-size:11.0pt;font-family:"Corbel",sans-serif;color:#1F497D">425.712.3107</span><span style="font-size:11.0pt;font-family:"Corbel",sans-serif;color:#A1784D">| </span><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D"> Fax </span><span style="font-size:11.0pt;font-family:"Corbel",sans-serif;color:#1F497D">425.778.2274<br>
</span><span style="font-size:10.5pt;font-family:"Calibri",sans-serif">mail to:<span class="apple-converted-space"><u> </u></span><a href="mailto:randyedlynlaw@gmail.com">randyedlynlaw@gmail.com</a></span><o:p></o:p></p>
</div>
</div>
<p class="MsoNormal" style="word-spacing:0px"><span style="font-size:10.5pt;font-family:"Calibri",sans-serif;color:black">This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. Sections 2510-2521, and is legally privileged. </span><span style="color:black"> </span><span style="font-size:10.5pt;font-family:"Calibri",sans-serif;color:black">This
email was sent by an attorney or his agent, is intended only for the addressee’s use, and may contain confidential and privileged information. </span><span style="color:black"> </span><span style="font-size:10.5pt;font-family:"Calibri",sans-serif;color:black">If
you are not the intended recipient, you are hereby notified that any retention, dissemination, reproduction or other use of the information contained in this e-mail is strictly prohibited. </span><span style="color:black"> </span><span style="font-size:10.5pt;font-family:"Calibri",sans-serif;color:black">If
you have received this email in error, please delete it and immediately notify the sender by reply email. </span><span style="color:black"> </span><span style="font-size:10.5pt;font-family:"Calibri",sans-serif;color:black">Thank you for your cooperation.</span><o:p></o:p></p>
</div>
</div>
</div>
<div>
<p class="MsoNormal" style="margin-bottom:12.0pt"><o:p> </o:p></p>
<div>
<p class="MsoNormal">On Nov 6, 2024, at 7:28 AM, Mark McClure <<a href="mailto:mark@mcclurelawgroup.com">mark@mcclurelawgroup.com</a>> wrote:<o:p></o:p></p>
</div>
<p class="MsoNormal"> <o:p></o:p></p>
<div>
<div>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D">Hi Randy,</span><o:p></o:p></p>
</div>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D"> </span><o:p></o:p></p>
<div>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D">Wouldn’t only the portion due and owing within the 6 years prior to the commencement of the case be the only thing that could be sued on, not the entire balance?
Is it still worth it in this case?</span><o:p></o:p></p>
</div>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D"> </span><o:p></o:p></p>
<div style="margin-left:.5in">
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D">"[w]hen Statute of Limitations begins to run against an action to recover upon contract payable in instal[l]ments" and describes the general rule: "The general
rule in such a case is similar to the general rule herewith noted in the case of contract obligations, it having been held that the Statute of Limitations begins to run from the expiration of the period fixed for the payment of each instal[l]ment as it becomes
due, for the part then payable."</span><o:p></o:p></p>
</div>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D"> </span><o:p></o:p></p>
<div>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D">See Herzog v. Herzog, 23 Wn.2d 382, 388, 161 P.2d 142 (1945).</span><o:p></o:p></p>
</div>
<div>
<div>
<p class="MsoNormal"><b><span style="font-size:24.0pt;color:#4C76A2">Mark C. McClure<br>
</span></b><i><span style="color:#4C76A2">Managing Attorney <br>
</span></i><span style="font-size:13.5pt;color:navy">Law Office of Mark McClure, PS<b> <br>
</b></span><i><span style="font-size:10.0pt;color:navy">"Why Retire With Debt?"<br>
</span></i><span style="font-size:13.5pt;color:navy">1103 West Meeker Street, #101<br>
Kent, WA 98032</span><o:p></o:p></p>
</div>
<div>
<p class="MsoNormal"><span style="color:navy">Office: 253.631.6484<br>
</span><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:#003399">Email:<span class="apple-converted-space"> </span><a href="mailto:Mark@McClureLawGroup.com" target="_blank"><span style="color:purple">Mark@McClureLawGroup.com</span></a></span><o:p></o:p></p>
</div>
<div>
<p class="MsoNormal"><b><span style="font-size:10.0pt;color:#1F497D">Notice of Unavailability:</span></b><span style="font-size:10.0pt;color:#1F497D"> </span><b><span style="font-size:10.0pt;color:red"> </span></b><b><span style="font-size:10.0pt;font-family:"Helvetica",sans-serif;color:red">November
27, 2024 – December 01, 2024</span></b><o:p></o:p></p>
</div>
<div>
<p class="MsoNormal"><b><span style="color:navy">CONFIDENTIALITY NOTICE:</span></b><span style="color:navy"> </span><span style="color:#1C1E21;background:#F2F3F5">This email contains legal stuff. If you are not the intended recipient you could get into a lot
of trouble if you read it, and even more trouble if you tell someone else about it. So, the best thing to do is ignore it and forget you ever saw it. Thank you.</span><span style="color:navy"> </span><o:p></o:p></p>
</div>
</div>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D"> </span><o:p></o:p></p>
<div>
<div style="border:none;border-top:solid windowtext 1.0pt;padding:3.0pt 0in 0in 0in;border-color:currentcolor currentcolor">
<div>
<p class="MsoNormal"><b><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif">From:</span></b><span class="apple-converted-space"><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif"> </span></span><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif"><a href="mailto:wsbarp-bounces@lists.wsbarppt.com"><span style="color:purple">wsbarp-bounces@lists.wsbarppt.com</span></a><span class="apple-converted-space"> </span>[mailto:<a href="mailto:wsbarp-bounces@lists.wsbarppt.com"><span style="color:purple">wsbarp-bounces@lists.wsbarppt.com</span></a>]<span class="apple-converted-space"> </span><b>On
Behalf Of<span class="apple-converted-space"> </span></b>Mark Anderson<br>
<b>Sent:</b><span class="apple-converted-space"> </span>Tuesday, November 5, 2024 5:08 PM<br>
<b>To:</b><span class="apple-converted-space"> </span>WSBA Real Property Listserv<br>
<b>Subject:</b><span class="apple-converted-space"> </span>Re: [WSBARP] Deed of Trust Enforceability Issues</span><o:p></o:p></p>
</div>
</div>
</div>
<p class="MsoNormal"><span style="font-family:"Aptos",sans-serif"> </span><o:p></o:p></p>
<div>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#002060">Thanks for weighing in, Randy. I wanted to see what was enforceable and what was not.</span><o:p></o:p></p>
</div>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#002060"> </span><o:p></o:p></p>
<div>
<p class="MsoNormal" style="margin-bottom:12.0pt"><b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#002060">Mark B. Anderson<br>
</span></b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#002060">ANDERSON LAW FIRM PLLC<br>
821 Dock St Ste 209 PMB 4-12<br>
Tacoma, Washington 98402<br>
+1 253-327-1750<br>
+1 253-327-1751 (fax)<br>
<a href="mailto:marka@mbaesq.com"><span style="color:#002060">marka@mbaesq.com</span></a><br>
<a href="https://urldefense.proofpoint.com/v2/url?u=http-3A__www.mbaesq.com_&d=DwMFaQ&c=euGZstcaTDllvimEN8b7jXrwqOf-v5A_CdpgnVfiiMM&r=ZjJT61sMYHYXW1a7W0qvaz-zO3o_Ea2RRxXvW5Yr3-0&m=vSs1q2sbKwNS_ejX5tADoybAxenkCbm-gQWGvb6-1_8RwQa4PELZ68mZhhsVBVvc&s=2z13TP1K-ZhqjyqRl73ggh52dhectN_3NFr2fCKW17g&e="><span style="color:#002060">www.mbaesq.com</span></a></span><o:p></o:p></p>
<p class="MsoNormal" style="margin-bottom:12.0pt"><b><span style="font-size:10.0pt;font-family:"Arial Narrow",sans-serif;color:#002060">CONFIDENTIALITY NOTICE<br>
</span></b><span style="font-size:10.0pt;font-family:"Arial Narrow",sans-serif;color:#002060">This transmission is confidential and is intended solely for the use of the individual named recipient. It may be protected by the attorney-client privilege, work
product doctrine, or other confidentiality protection. If you are not the intended recipient, or the person responsible to deliver it to the intended recipient, be advised that any dissemination, distribution, or copying of this communication is prohibited.
If you have received this transmission in error, please immediately notify the sender via e-mail or by telephone at (253) 327-1750 that you have received the message in error, and then delete it. Thank you.</span><o:p></o:p></p>
</div>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#002060"> </span><o:p></o:p></p>
<div>
<div style="border:none;border-top:solid windowtext 1.0pt;padding:3.0pt 0in 0in 0in;border-color:currentcolor currentcolor">
<div>
<p class="MsoNormal"><b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">From:</span></b><span class="apple-converted-space"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"> </span></span><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><a href="mailto:wsbarp-bounces@lists.wsbarppt.com"><span style="color:purple">wsbarp-bounces@lists.wsbarppt.com</span></a><span class="apple-converted-space"> </span><<a href="mailto:wsbarp-bounces@lists.wsbarppt.com"><span style="color:purple">wsbarp-bounces@lists.wsbarppt.com</span></a>><span class="apple-converted-space"> </span><b>On
Behalf Of<span class="apple-converted-space"> </span></b>Randy Boyer<br>
<b>Sent:</b><span class="apple-converted-space"> </span>Tuesday, November 5, 2024 1:23 PM<br>
<b>To:</b><span class="apple-converted-space"> </span>Real Property Listserve <<a href="mailto:wsbarp@lists.wsbarppt.com"><span style="color:purple">wsbarp@lists.wsbarppt.com</span></a>><br>
<b>Subject:</b><span class="apple-converted-space"> </span>Re: [WSBARP] Deed of Trust Enforceability Issues</span><o:p></o:p></p>
</div>
</div>
</div>
<p class="MsoNormal"><span style="font-family:"Aptos",sans-serif"> </span><o:p></o:p></p>
<div>
<p class="MsoNormal"><span style="font-family:"Aptos",sans-serif">Mark,</span><o:p></o:p></p>
</div>
<div>
<p class="MsoNormal"><span style="font-family:"Aptos",sans-serif"> </span><o:p></o:p></p>
</div>
<div>
<div>
<p class="MsoNormal"><span style="font-family:"Aptos",sans-serif">Case law holds that the SOL continues as long as payments are due. The final payment was due in 2019. So Seller has 6 years after the date that payment was due. A Judicial foreclosure should
be initiated right away.</span><o:p></o:p></p>
</div>
</div>
<div>
<p class="MsoNormal"><span style="font-family:"Aptos",sans-serif"> </span><o:p></o:p></p>
</div>
<div>
<p class="MsoNormal"><span style="font-family:"Aptos",sans-serif"> </span><o:p></o:p></p>
<div>
<div>
<div>
<div>
<div>
<div>
<p class="MsoNormal"><b><u><span style="font-size:11.0pt;font-family:"Corbel",sans-serif;color:#004B85">Randy M. Boyer ______</span></u></b><span style="font-size:11.0pt;font-family:"Corbel",sans-serif;color:#1F497D"><br>
</span><span style="font-size:11.0pt;font-family:"Corbel",sans-serif;color:#333333">Attorney, </span><span style="font-size:10.5pt;font-family:"Cambria",serif">WSBA# 8665</span><o:p></o:p></p>
</div>
</div>
<div>
<div>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#333333">Law Office of Randy M. Boyer, Inc. P.S. </span><span style="font-size:11.0pt;font-family:"Corbel",sans-serif;color:#1F497D"><br>
7017 196th St. S.W. Lynnwood, Washington 98036<br>
</span><span style="font-size:11.0pt;font-family:Wingdings;color:#999999">(</span><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#999999"> </span><span style="font-size:11.0pt;font-family:"Corbel",sans-serif;color:#1F497D">425.712.3107</span><span style="font-size:11.0pt;font-family:"Corbel",sans-serif;color:#A1784D">| </span><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D"> Fax </span><span style="font-size:11.0pt;font-family:"Corbel",sans-serif;color:#1F497D">425.778.2274<br>
</span><span style="font-size:10.5pt;font-family:"Calibri",sans-serif">mail to:<span class="apple-converted-space"><u> </u></span><a href="mailto:randyedlynlaw@gmail.com"><span style="color:purple">randyedlynlaw@gmail.com</span></a></span><o:p></o:p></p>
</div>
</div>
</div>
<div>
<p class="MsoNormal"><span style="font-size:10.5pt;font-family:"Calibri",sans-serif">This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. Sections 2510-2521, and is legally privileged. </span> <span style="font-size:10.5pt;font-family:"Calibri",sans-serif">This
email was sent by an attorney or his agent, is intended only for the addressee’s use, and may contain confidential and privileged information. </span> <span style="font-size:10.5pt;font-family:"Calibri",sans-serif">If you are not the intended recipient, you
are hereby notified that any retention, dissemination, reproduction or other use of the information contained in this e-mail is strictly prohibited. </span> <span style="font-size:10.5pt;font-family:"Calibri",sans-serif">If you have received this email in
error, please delete it and immediately notify the sender by reply email. </span> <span style="font-size:10.5pt;font-family:"Calibri",sans-serif">Thank you for your cooperation.</span><o:p></o:p></p>
</div>
</div>
</div>
</div>
<div>
<div style="margin-bottom:12.0pt">
<p class="MsoNormal"><span style="font-family:"Aptos",sans-serif"> </span><o:p></o:p></p>
</div>
<blockquote style="margin-top:5.0pt;margin-bottom:5.0pt">
<div>
<div>
<p class="MsoNormal"><span style="font-family:"Aptos",sans-serif">On Nov 5, 2024, at 1:08</span><span style="font-family:"Arial",sans-serif"> </span><span style="font-family:"Aptos",sans-serif">PM, Mark Anderson <<a href="mailto:marka@mbaesq.com"><span style="color:purple">marka@mbaesq.com</span></a>>
wrote:</span><o:p></o:p></p>
</div>
</div>
<p class="MsoNormal"><span style="font-family:"Aptos",sans-serif"> </span><o:p></o:p></p>
<div>
<div>
<div>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#002060">Dear All:</span><o:p></o:p></p>
</div>
</div>
<div>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#002060"> </span><o:p></o:p></p>
</div>
<div>
<div>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#002060">I could use your help with a scenario I have not seen before.</span><o:p></o:p></p>
</div>
</div>
<div>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#002060"> </span><o:p></o:p></p>
</div>
<div>
<div>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#002060">August 2012 – Owner purchased property from Seller. Owner gave Seller a Note secured by a DOT on the property. Note was payable over 7 years.</span><o:p></o:p></p>
</div>
</div>
<div>
<div>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#002060">August 2014 – Owner stopped making payments. Seller took no action to enforce the Note or DOT. (I know the six-year statute of limitation began to run at this
point for enforcement of the principal obligation.)</span><o:p></o:p></p>
</div>
</div>
<div>
<div>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#002060">September 2019 – Seller paid (advanced) property taxes on behalf of Owner to avoid a tax sale. Owner continued to not make payments. Seller again took no action
to enforce the Note or DOT.</span><o:p></o:p></p>
</div>
</div>
<div>
<div>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#002060">October 2024 – property is up again for a tax sale.</span><o:p></o:p></p>
</div>
</div>
<div>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#002060"> </span><o:p></o:p></p>
</div>
<div>
<div>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#002060">(Note: I have no idea why the Seller has never taken any action to enforce the note or DOT.)</span><o:p></o:p></p>
</div>
</div>
<div>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#002060"> </span><o:p></o:p></p>
</div>
<div>
<div>
<p class="MsoNormal"><u><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#002060">Questions</span></u><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#002060">:</span><o:p></o:p></p>
</div>
</div>
<ol style="margin-top:0in" start="1" type="1">
<li class="MsoNormal" style="color:#002060;mso-list:l0 level1 lfo3"><span style="font-size:10.0pt;font-family:"Arial",sans-serif">Did the September 2019 payment of taxes affect the statute of limitations for enforcing the DOT? If so, how?</span><o:p></o:p></li><li class="MsoNormal" style="color:#002060;mso-list:l0 level1 lfo3"><span style="font-size:10.0pt;font-family:"Arial",sans-serif">Does the DOT still secure repayment of the additional amounts advanced under the Note, even if it (I think likely) does not secure
repayment of the original amounts due and owing under the Note?</span><o:p></o:p></li><li class="MsoNormal" style="color:#002060;mso-list:l0 level1 lfo3"><span style="font-size:10.0pt;font-family:"Arial",sans-serif">Independent of the Note and DOT, does the payment of property taxes on behalf of Owner give Seller any right to file a lien against
the property in advance of the tax sale?</span><o:p></o:p></li></ol>
<div>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#002060"> </span><o:p></o:p></p>
</div>
<div>
<div>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#002060">Thanks in advance for any answers or other insights you can provide.</span><o:p></o:p></p>
</div>
</div>
<div>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#002060"> </span><o:p></o:p></p>
</div>
<p class="MsoNormal" style="margin-bottom:12.0pt"><b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#002060">Mark B. Anderson<br>
</span></b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#002060">ANDERSON LAW FIRM PLLC<br>
821 Dock St Ste 209 PMB 4-12<br>
Tacoma, Washington 98402<br>
+1 253-327-1750<br>
+1 253-327-1751 (fax)<br>
<a href="mailto:marka@mbaesq.com"><span style="color:#002060">marka@mbaesq.com</span></a><br>
<a href="https://urldefense.proofpoint.com/v2/url?u=http-3A__www.mbaesq.com_&d=DwMFaQ&c=euGZstcaTDllvimEN8b7jXrwqOf-v5A_CdpgnVfiiMM&r=ZjJT61sMYHYXW1a7W0qvaz-zO3o_Ea2RRxXvW5Yr3-0&m=vSs1q2sbKwNS_ejX5tADoybAxenkCbm-gQWGvb6-1_8RwQa4PELZ68mZhhsVBVvc&s=2z13TP1K-ZhqjyqRl73ggh52dhectN_3NFr2fCKW17g&e="><span style="color:#002060">www.mbaesq.com</span></a></span><o:p></o:p></p>
<p class="MsoNormal" style="margin-bottom:12.0pt"><b><span style="font-size:10.0pt;font-family:"Arial Narrow",sans-serif;color:#002060">CONFIDENTIALITY NOTICE<br>
</span></b><span style="font-size:10.0pt;font-family:"Arial Narrow",sans-serif;color:#002060">This transmission is confidential and is intended solely for the use of the individual named recipient. It may be protected by the attorney-client privilege, work
product doctrine, or other confidentiality protection. If you are not the intended recipient, or the person responsible to deliver it to the intended recipient, be advised that any dissemination, distribution, or copying of this communication is prohibited.
If you have received this transmission in error, please immediately notify the sender via e-mail or by telephone at (253) 327-1750 that you have received the message in error, and then delete it. Thank you.</span><o:p></o:p></p>
<div>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Aptos",sans-serif"> </span><o:p></o:p></p>
</div>
<div>
<p class="MsoNormal"><span style="font-size:13.5pt;font-family:TimesNewRomanPSMT">***Disclaimer: Please note that RPPT listserv participation is not restricted to practicing attorneys and may include non-practicing attorneys, law students, professionals working
in related fields, and others.***<br>
<br>
_______________________________________________<br>
WSBARP mailing list<br>
</span><span style="font-family:"Aptos",sans-serif"><a href="mailto:WSBARP@lists.wsbarppt.com"><span style="font-size:13.5pt;font-family:TimesNewRomanPSMT;color:purple">WSBARP@lists.wsbarppt.com</span></a></span><span style="font-size:13.5pt;font-family:TimesNewRomanPSMT"><br>
</span><span style="font-family:"Aptos",sans-serif"><a href="https://urldefense.proofpoint.com/v2/url?u=http-3A__mailman.fsr.com_mailman_listinfo_wsbarp&d=DwMFaQ&c=euGZstcaTDllvimEN8b7jXrwqOf-v5A_CdpgnVfiiMM&r=ZjJT61sMYHYXW1a7W0qvaz-zO3o_Ea2RRxXvW5Yr3-0&m=vSs1q2sbKwNS_ejX5tADoybAxenkCbm-gQWGvb6-1_8RwQa4PELZ68mZhhsVBVvc&s=dYvoV4Cg5O73kTfyu9AA7HoZN5FVG2dMwXZxWqIZOEA&e="><span style="font-size:13.5pt;font-family:TimesNewRomanPSMT;color:purple">http://mailman.fsr.com/mailman/listinfo/wsbarp</span></a></span><o:p></o:p></p>
</div>
</div>
</blockquote>
</div>
<p class="MsoNormal"><span style="font-family:"Aptos",sans-serif"> </span><o:p></o:p></p>
</div>
<p class="MsoNormal"><span style="font-size:13.5pt;font-family:TimesNewRomanPSMT">***Disclaimer: Please note that RPPT listserv participation is not restricted to practicing attorneys and may include non-practicing attorneys, law students, professionals working
in related fields, and others.***<br>
<br>
_______________________________________________<br>
WSBARP mailing list<br>
</span><a href="mailto:WSBARP@lists.wsbarppt.com"><span style="font-size:13.5pt;font-family:TimesNewRomanPSMT;color:purple">WSBARP@lists.wsbarppt.com</span></a><span style="font-size:13.5pt;font-family:TimesNewRomanPSMT"><br>
</span><a href="https://urldefense.proofpoint.com/v2/url?u=http-3A__mailman.fsr.com_mailman_listinfo_wsbarp&d=DwMFaQ&c=euGZstcaTDllvimEN8b7jXrwqOf-v5A_CdpgnVfiiMM&r=ZjJT61sMYHYXW1a7W0qvaz-zO3o_Ea2RRxXvW5Yr3-0&m=vSs1q2sbKwNS_ejX5tADoybAxenkCbm-gQWGvb6-1_8RwQa4PELZ68mZhhsVBVvc&s=dYvoV4Cg5O73kTfyu9AA7HoZN5FVG2dMwXZxWqIZOEA&e="><span style="font-size:13.5pt;font-family:TimesNewRomanPSMT;color:purple">http://mailman.fsr.com/mailman/listinfo/wsbarp</span></a><o:p></o:p></p>
</div>
</div>
<p class="MsoNormal"> <o:p></o:p></p>
</div>
</body>
</html>