<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=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;}
@font-face
{font-family:Aptos;}
@font-face
{font-family:"Arial Narrow";
panose-1:2 11 6 6 2 2 2 3 2 4;}
/* Style Definitions */
p.MsoNormal, li.MsoNormal, div.MsoNormal
{margin-top:0in;
margin-right:0in;
margin-bottom:10.0pt;
margin-left:0in;
font-size:10.0pt;
font-family:"Arial",sans-serif;
color:#071320;}
span.EmailStyle17
{mso-style-type:personal-compose;
font-family:"Arial",sans-serif;
font-variant:normal !important;
color:#002060;
text-transform:none;
position:relative;
top:0pt;
mso-text-raise:0pt;
letter-spacing:0pt;
font-weight:normal;
font-style:normal;
text-decoration:none none;
vertical-align:baseline;}
.MsoChpDefault
{mso-style-type:export-only;
font-size:11.0pt;}
.MsoPapDefault
{mso-style-type:export-only;
margin-bottom:10.0pt;}
@page WordSection1
{size:8.5in 11.0in;
margin:1.0in 1.0in 1.0in 1.0in;}
div.WordSection1
{page:WordSection1;}
--></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="#467886" vlink="#96607D" style="word-wrap:break-word">
<div class="WordSection1">
<p class="MsoNormal"><span style="color:#002060">Dear All:<o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#002060">I'm trying to clear title to piece of property encumbered by a deed of trust on which there are two named beneficiaries (individuals). The single note secured by the deed of trust was paid off and one beneficiary
signed the request for reconveyance. However, the other beneficiary has not signed a request for reconveyance and has "gone silent."<o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#002060">I am looking at proceeding under RCW 61.24.110. However, I am thinking there may be a more expeditious way to clear title. Consider the following additional details.<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="color:#002060">In 2015 Jennifer purchased a piece of real property from Kevin and Larry, who are unrelated to each other (no blood relation, different addresses, etc.). Jennifer gave Kevin and Larry
a promissory note for the purchase secured by a deed of trust in the property. Payments were made through a loan servicing company. Throughout this process, Jennifer dealt mostly with the loan servicing company and Kevin, but not Larry.<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="color:#002060">In 2020, Jennifer filed for Chapter 13 bankruptcy protection. Jennifer listed Kevin as a creditor and Kevin made a secured claim in the bankruptcy action. However, Jennifer did not
list Larry as a creditor. As such, Larry arguably did not receive notice of the bankruptcy action. Jennifer's Chapter 13 plan was approved, and she received a discharge of debt under Chapter 13.<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="color:#002060">In 2022, the promissory note was paid in full through the loan servicing company, and Kevin signed a request for reconveyance at the request of the loan servicing company. However, despite
repeated requests from the loan service company, Larry has not signed a request for reconveyance.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#002060">Typically, a Chapter 13 discharge does not discharge debts owed to creditors who are not listed. I think this case may be different. At the time Jennifer filed bankruptcy, Larry was a bona fide creditor along
with Kevin. Now that the loan has been paid off, it would seem that Larry is no longer a creditor.<o:p></o:p></span></p>
<p class="MsoNormal"><u><span style="color:#002060">Now the questions</span></u><span style="color:#002060">: Would completion of the Chapter 13 plan discharge the debt originally owed to both Kevin and Larry under the terms of the secured promissory note?
If so, how could I convince the Trustee to record a full reconveyance?<o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#002060">Thanks in advance.<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:12.0pt"><b><span style="color:#002060">Mark B. Anderson<br>
</span></b><span style="color:#002060">ANDERSON LAW FIRM PLLC<br>
821 Dock Street, Suite 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-family:"Arial Narrow",sans-serif;color:#002060">CONFIDENTIALITY NOTICE<br>
</span></b><span style="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.<o:p></o:p></span></p>
<p class="MsoNormal"><o:p> </o:p></p>
</div>
</body>
</html>