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<p class="MsoNormal"><span style="font-size:11.0pt">Agree. I saw plenty of folks file BK during the market crash of 2008-2012 which removed their liability for the debt (ie second mortgages). But LOTS of second mortgage lienholders demanded a “lien release
fee” when we negotiated short sales. If the lien was not avoided in the BK proceeding by the debtor, the lien remains and the debtor can and will charge a fee (I saw 1% of the debt used as a common amount).<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt"><o:p> </o:p></span></p>
<p class="MsoNormal"><b><i><span style="font-size:20.0pt;font-family:"Blackadder ITC"">Teena Williams</span></i></b><b><i><span style="font-size:20.0pt;font-family:"Blackadder ITC";mso-ligatures:none"><o:p></o:p></span></i></b></p>
<p class="MsoNormal"><b><span style="mso-ligatures:none"><img width="302" height="78" style="width:3.1458in;height:.8125in" id="Picture_x0020_1" src="cid:image001.jpg@01DC7FE3.43B1ECF0" alt="Logo Color 946x243 pixels"></span></b><span style="font-size:11.0pt"><o:p></o:p></span></p>
<p class="MsoNormal">1800 Cooper Point RD SW NO. 8 | Olympia, WA 98502 <o:p></o:p></p>
<p class="MsoNormal">Telephone 360.352.1970 | Fax 877.606.3656 | <a href="http://www.jaglaw.net/"><span style="color:#0563C1">www.jaglaw.net</span></a> <o:p></o:p></p>
<p class="MsoNormal"><u><a href="mailto:Teena@jaglaw.net"><span style="color:#0563C1">Teena@jaglaw.net</span></a><o:p></o:p></u></p>
<p class="MsoNormal"><b><i><span style="font-family:"Times New Roman",serif">Please note the use or modification of any documents prepared by this office outside the purpose for which they were prepared will result in a waiver of professional responsibility
due from Goldstein Law Office, PLLC and may result in harm or unintended consequences.</span></i></b><span style="font-family:"Times New Roman",serif"><o:p></o:p></span></p>
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<p class="MsoNormal"><b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;mso-ligatures:none">From:</span></b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;mso-ligatures:none"> wsbarp-bounces@lists.wsbarppt.com <wsbarp-bounces@lists.wsbarppt.com>
<b>On Behalf Of </b>Mark McClure<br>
<b>Sent:</b> Wednesday, January 7, 2026 2:23 PM<br>
<b>To:</b> WSBA Real Property Listserv <wsbarp@lists.wsbarppt.com><br>
<b>Subject:</b> Re: [WSBARP] judgement discharged in banko<o:p></o:p></span></p>
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<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><span style="font-family:"Calibri",sans-serif">I would modify that last part to say that if the judgment was recorded as a judgment lien, and there was real property at the time of the filing of the bankruptcy, it really is on the debtor
to avoid that judgment lien and filed the order avoiding the same – not the creditor.</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-family:"Calibri",sans-serif"> </span><o:p></o:p></p>
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<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:
</span><span style="font-size:11.0pt;font-family:"Helvetica",sans-serif;color:purple"><a href="mailto:Mark@McClureLawGroup.com" title="mailto:Mark@McClureLawGroup.com"><span style="color:purple">Mark@McClureLawGroup.com</span></a></span><span style="font-size:11.0pt;font-family:"Helvetica",sans-serif;color:#003399"><br>
Web: <a href="http://www.mcclurelawgroup.com/" title="http://www.mcclurelawgroup.com/">
<span style="color:blue">www.McClureLawGroup.com</span></a></span><o:p></o:p></p>
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<p class="MsoNormal" style="background:white"><b><span style="font-size:11.0pt;font-family:"Helvetica",sans-serif;color:red">December 24, 2025 – December 28, 2025</span></b><o:p></o:p></p>
<p class="MsoNormal" style="background:white"><b><span style="font-size:11.0pt;font-family:"Helvetica",sans-serif;color:red">December 31, 2025 – January 05, 2026</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>
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<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"> Mark McClure <<a href="mailto:mark@mcclurelawgroup.com">mark@mcclurelawgroup.com</a>>
<br>
<b>Sent:</b> Wednesday, January 7, 2026 2:21 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] judgement discharged in banko</span><o:p></o:p></p>
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<p class="MsoNormal"> <o:p></o:p></p>
<p class="MsoNormal"><span style="font-family:"Calibri",sans-serif">The only thing I would be concerned about if approached by counsel for the debtor is that the debtor’s attorney may end up filing an action in the Bankruptcy Court asserting that by leaving
the judgment open and published as an amount owing that it is an effort to collect on the debt – especially if it interferes with debtor’s ability to secure financing to purchase a home.</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-family:"Calibri",sans-serif"> </span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-family:"Calibri",sans-serif">Win or lose – it is expensive and filing a satisfaction of judgment indicating that the debt was discharged in a bankruptcy is cheap.
</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-family:"Calibri",sans-serif"> </span><o:p></o:p></p>
<div>
<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:
</span><span style="font-size:11.0pt;font-family:"Helvetica",sans-serif;color:purple"><a href="mailto:Mark@McClureLawGroup.com" title="mailto:Mark@McClureLawGroup.com"><span style="color:purple">Mark@McClureLawGroup.com</span></a></span><span style="font-size:11.0pt;font-family:"Helvetica",sans-serif;color:#003399"><br>
Web: <a href="http://www.mcclurelawgroup.com/" title="http://www.mcclurelawgroup.com/">
<span style="color:blue">www.McClureLawGroup.com</span></a></span><o:p></o:p></p>
<p class="MsoNormal" style="text-indent:.5in;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"> </span></b><o:p></o:p></p>
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<p class="MsoNormal" style="background:white"><b><span style="font-size:11.0pt;font-family:"Helvetica",sans-serif;color:red">December 31, 2025 – January 05, 2026</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>
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<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>Craig Gourley<br>
<b>Sent:</b> Wednesday, January 7, 2026 2:15 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] judgement discharged in banko</span><o:p></o:p></p>
</div>
</div>
<p class="MsoNormal"> <o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:11.0pt">Listmates, If a creditor has a judgment discharged in bankruptcy, is there any affirmative obligation on the creditor to file anything with the court showing discharge or if the judgment is recorded is there
a requirement that the creditor pay to have some sort of instrument recorded to show the discharge?
</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:11.0pt"> </span><o:p></o:p></p>
<p class="MsoNormal"><b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">GOURLEY LAW GROUP</span></b><o:p></o:p></p>
<p class="MsoNormal"><b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">THE EXCHANGE CONNECTION</span></b><o:p></o:p></p>
<p class="MsoNormal"><b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">SNOHOMISH ESCROW
</span></b><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">P.O. Box 1091</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">Snohomish, WA 98291</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">PH: (360) 568-5065 (800) 291-8401</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">Fax: (360) 568-8092
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