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Thanks, Mike. </div>
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<span style="font-family: Aptos, sans-serif; font-size: 11pt; color: rgb(66, 66, 66);"><b>Kevin A. Bukoskey, Esq., JD, MBA</b></span></p>
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<span style="font-family: Aptos, sans-serif; font-size: 11pt; color: rgb(66, 66, 66);"><b>Attorney</b></span></p>
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<span style="font-family: Aptos, sans-serif; font-size: 11pt; color: rgb(66, 66, 66);">GOURLEY LAW GROUP</span></p>
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<span style="font-family: Aptos, sans-serif; font-size: 11pt; color: rgb(66, 66, 66);">THE EXCHANGE CONNECTION</span></p>
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<span style="font-family: Aptos, sans-serif; font-size: 11pt; color: rgb(66, 66, 66);">SNOHOMISH ESCROW</span></p>
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<span style="font-family: Aptos, sans-serif; font-size: 11pt; color: currentcolor;">P.O. Box 1091</span></p>
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<span style="font-family: Aptos, sans-serif; font-size: 11pt; color: currentcolor;">Snohomish, WA 98291</span></p>
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<span style="font-family: Aptos, sans-serif; font-size: 11pt; color: rgb(66, 66, 66);">PH:
</span><span style="font-family: Aptos, sans-serif; font-size: 11pt; color: currentcolor;">(360) 568-5065</span><span style="font-family: Aptos, sans-serif; font-size: 11pt; color: rgb(66, 66, 66);"> </span><span style="font-family: Aptos, sans-serif; font-size: 11pt; color: currentcolor;">(800)
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</span><span style="font-family: Aptos, sans-serif; font-size: 11pt; color: rgb(0, 120, 212);">(360) 568-8092</span></p>
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<div id="divRplyFwdMsg" dir="ltr"><span style="font-family: Calibri, sans-serif;"><b>From:</b> wsbarp-bounces@lists.wsbarppt.com <wsbarp-bounces@lists.wsbarppt.com> on behalf of Mike Zeno <mikez@zenolawfirm.com><br>
<b>Sent:</b> Wednesday, March 4, 2026 3:07 PM<br>
<b>To:</b> WSBA Real Property Listserv <wsbarp@lists.wsbarppt.com><br>
<b>Subject:</b> Re: [WSBARP] DOT Survived after BK</span>
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<span style="font-family: "Times New Roman", serif; color: rgb(0, 32, 96);">Hi Kevin—</span></p>
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<span style="font-family: "Times New Roman", serif; color: rgb(0, 32, 96);"> </span></p>
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<span style="font-family: "Times New Roman", serif; color: rgb(0, 32, 96);">The bankruptcy does not eliminate the deed of trust and the bankruptcy court would not eliminate the deed of trust if you asked it to. The bankruptcy discharge turns the debt into
non-recourse debt, but the debt is still there.</span></p>
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<span style="font-family: "Times New Roman", serif; color: rgb(0, 32, 96);">See Merritt v. USAA Fed, 1 Wn.3d 692 (2023).</span></p>
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<span style="font-family: "Times New Roman", serif; color: rgb(0, 32, 96);"> </span></p>
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<span style="font-family: "Times New Roman", serif; color: rgb(0, 32, 96);">However, if the debt is time barred—as it sometimes is in cases like this--you should be able to eliminate the deed of trust with a quiet title action.</span></p>
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<span style="font-family: "Times New Roman", serif; color: rgb(0, 32, 96);"> </span></p>
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<span style="font-family: "Times New Roman", serif; color: rgb(0, 32, 96);">Mike</span></p>
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<span style="font-family: Calibri, sans-serif; font-size: 11pt; color: rgb(31, 73, 125);"><b>The Law Office of G. Michael Zeno, Jr., P.S.</b></span></p>
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<span style="font-family: Calibri, sans-serif; font-size: 11pt; color: rgb(31, 73, 125);">T: (425) 947-8050 F: (425) 947-8052</span></p>
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<span style="font-family: Calibri, sans-serif; font-size: 11pt; color: rgb(31, 73, 125);">135 Lake Street S., Suite 257</span></p>
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<span style="font-family: Calibri, sans-serif; font-size: 11pt; color: rgb(31, 73, 125);">Kirkland, WA 98033</span></p>
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<span style="font-family: Calibri, sans-serif; font-size: 11pt; color: rgb(192, 0, 0);"><b>IRS Circular 230 Disclaimer:</b></span><span style="font-family: Calibri, sans-serif; font-size: 11pt; color: gray;"> Any tax advice provided in this communication (including
attachments) is not intended or written to be used, and it cannot be used, by the recipient or any other taxpayer (i) for the purpose of avoiding penalties that may be imposed on the recipient or any other taxpayer, or (ii) in promoting, marketing or recommending
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<span style="font-family: Calibri, sans-serif; font-size: 11pt;"><b>From:</b> wsbarp-bounces@lists.wsbarppt.com <wsbarp-bounces@lists.wsbarppt.com>
<b>On Behalf Of </b>Kevin Bukoskey<br>
<b>Sent:</b> Wednesday, March 4, 2026 2:40 PM<br>
<b>To:</b> WSBA Real Property Listserv <wsbarp@lists.wsbarppt.com><br>
<b>Subject:</b> Re: [WSBARP] DOT Survived after BK</span></p>
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<span style="font-size: 11pt; color: black;">Hi Listmates,</span></p>
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<span style="font-size: 11pt; color: black;"> </span></p>
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<span style="font-size: 11pt; color: black;">I have a new client who owns a property and had a Note/DOT. During “The Great Recession”, he claimed BK, included the loan, and never made any payments again and has not heard anything back from the lender either
way.</span></p>
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<span style="font-size: 11pt; color: black;"> </span></p>
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<span style="font-size: 11pt; color: black;">Recently, he pulled a title report, and it seems that the DOT survived and was not stripped in the BK. </span></p>
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<span style="font-size: 11pt; color: black;"> </span></p>
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<span style="font-size: 11pt; color: black;">When this happens, from a title standpoint, would you expect a quiet title to remove the DOT, or is this something that has to be done via a court order in BK court?</span></p>
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<span style="font-size: 11pt; color: black;"> </span></p>
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<span style="font-size: 11pt; color: black;">Thanks. </span></p>
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<span style="font-size: 11pt; color: black;"> </span></p>
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<span style="font-size: 11pt; color: rgb(66, 66, 66);"><b>Kevin A. Bukoskey, Esq., JD, MBA</b></span></p>
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<span style="font-size: 11pt; color: rgb(66, 66, 66);"><b>Attorney</b></span></p>
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<span style="font-size: 11pt; color: rgb(66, 66, 66);">GOURLEY LAW GROUP</span></p>
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<span style="font-size: 11pt; color: rgb(66, 66, 66);">THE EXCHANGE CONNECTION</span></p>
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<span style="font-size: 11pt; color: rgb(66, 66, 66);">SNOHOMISH ESCROW</span></p>
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<span style="font-size: 11pt; color: rgb(66, 66, 66);">P.O. Box 1091</span></p>
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<span style="font-size: 11pt; color: rgb(66, 66, 66);">Snohomish, WA 98291</span></p>
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<span style="font-size: 11pt; color: rgb(66, 66, 66);">PH: (360) 568-5065 (800) 291-8401</span></p>
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<span style="font-size: 11pt; color: rgb(66, 66, 66);">Fax: (360) 568-8092</span></p>
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