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<p class="MsoNormal"><a name="_Hlk84576999"></a><a name="_Hlk84576711"><span style="mso-bookmark:_Hlk84576999"><span style="font-size:11.0pt">Hi: the key case on this issues was decided by the Washington Supreme Court, in
<i>Copper Creek, </i>I think in 2023. It says the statute of limitations runs on each individual payment due, even after BK.
<o:p></o:p></span></span></a></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"> wsbarp-bounces@lists.wsbarppt.com <wsbarp-bounces@lists.wsbarppt.com>
<b>On Behalf Of </b>Eric Nelsen<br>
<b>Sent:</b> Wednesday, March 4, 2026 3:30 PM<br>
<b>To:</b> WSBA Real Property Listserv <wsbarp@lists.wsbarppt.com><br>
<b>Subject:</b> Re: [WSBARP] DOT Survived after BK<o:p></o:p></span></p>
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<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">If I can jump in and also ask Tim - Even though bankruptcy discharge blocks personal liability, would the statute of limitations still run on the debt in the ordinary fashion? So, if the S/L has passed on the underlying debt, could the
Deed of Trust be cancelled by quiet title under RCW 7.28.300?<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">Anticipating this is a 30-year installment debt, let’s say the statute has run on 12 years’ worth of payments. Does that reduce the principal amount for which the DOT can still be foreclosed?<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
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<p class="MsoNormal">Sincerely,<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">Eric<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">Eric C. Nelsen<o:p></o:p></p>
<p class="MsoNormal">Sayre Law Offices, PLLC<o:p></o:p></p>
<p class="MsoNormal">1417 31st Ave South<o:p></o:p></p>
<p class="MsoNormal">Seattle WA 98144-3909<o:p></o:p></p>
<p class="MsoNormal">206-625-0092<o:p></o:p></p>
<p class="MsoNormal"><a href="mailto:eric@sayrelawoffices.com"><span style="color:#467886">eric@sayrelawoffices.com</span></a><o:p></o:p></p>
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<p class="MsoNormal"><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>Kevin Bukoskey<br>
<b>Sent:</b> Wednesday, March 4, 2026 3:23 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] DOT Survived after BK<o:p></o:p></span></p>
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<p class="MsoNormal"><o:p> </o:p></p>
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<p class="MsoNormal"><span style="font-size:11.0pt;color:black">Okay, thanks Tim. So, basically, there is no way to remove the DOT from title or from the risk of future foreclosure? Even though it's been ~18 years since his last payment?<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:11.0pt;color:black"><o:p> </o:p></span></p>
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<p class="MsoNormal" style="background:white"><b><span style="font-size:11.0pt;color:#424242">Kevin A. Bukoskey, Esq., JD, MBA</span></b><o:p></o:p></p>
<p class="MsoNormal" style="background:white"><b><span style="font-size:11.0pt;color:#424242">Attorney</span></b><o:p></o:p></p>
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<p class="MsoNormal" style="margin-bottom:12.0pt"><b><span style="color:black">From:
</span></b><span style="color:black"><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>> on behalf of Timothy Steen <<a href="mailto:tsteen@andersonhunterlaw.com">tsteen@andersonhunterlaw.com</a>><br>
<b>Date: </b>Wednesday, March 4, 2026 at 3:08</span><span style="font-family:"Arial",sans-serif;color:black"> </span><span style="color:black">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] DOT Survived after BK<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:11.0pt">Kevin,</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:11.0pt"> </span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:11.0pt">A bankruptcy generally does not discharge a valid deed of trust, absent avoidance or similar special proceedings in the bankruptcy. If the debtor received a discharge, that eliminates the debtor’s personal
liability. Meanwhile, the lender can still foreclose the trust lien to satisfy the indebtedness. The client will likely have to handle the deed of trust as it would any other trust lien.</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:11.0pt"> </span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:11.0pt">Thanks,</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:11.0pt"> </span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:11.0pt">Tim</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:11.0pt"> </span><o:p></o:p></p>
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<p class="MsoNormal"><b><span style="font-family:"Calibri",sans-serif;color:#15375F">Timothy E. Steen</span></b><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>Kevin Bukoskey<br>
<b>Sent:</b> Wednesday, March 4, 2026 2:40 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] DOT Survived after BK</span><o:p></o:p></p>
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<p class="MsoNormal"> <o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:11.0pt;color:black">Hi Listmates,</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:11.0pt;color:black"> </span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:11.0pt;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><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:11.0pt;color:black"> </span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:11.0pt;color:black">Recently, he pulled a title report, and it seems that the DOT survived and was not stripped in the BK. </span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:11.0pt;color:black"> </span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:11.0pt;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><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:11.0pt;color:black"> </span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:11.0pt;color:black">Thanks. </span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:11.0pt;color:black"> </span><o:p></o:p></p>
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<p class="MsoNormal" style="background:white"><b><span style="font-size:11.0pt;color:#424242">Kevin A. Bukoskey, Esq., JD, MBA</span></b><o:p></o:p></p>
<p class="MsoNormal" style="background:white"><b><span style="font-size:11.0pt;color:#424242">Attorney</span></b><o:p></o:p></p>
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<p class="MsoNormal" style="background:white"><span style="font-size:11.0pt;color:#424242">P.O. Box 1091</span><o:p></o:p></p>
<p class="MsoNormal" style="background:white"><span style="font-size:11.0pt;color:#424242">Snohomish, WA 98291</span><o:p></o:p></p>
<p class="MsoNormal" style="background:white"><span style="font-size:11.0pt;color:#424242">PH: (360) 568-5065 (800) 291-8401</span><o:p></o:p></p>
<p class="MsoNormal" style="background:white"><span style="font-size:11.0pt;color:#424242">Fax: (360) 568-8092</span><o:p></o:p></p>
<p class="MsoNormal" style="background:white"><span style="font-size:13.0pt;font-family:UICTFontTextStyleTallBody;color:black"> </span><o:p></o:p></p>
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you have received this electronic mail in error, please contact sender and delete all copies</span><span style="font-size:11.0pt;color:#424242">.</span><o:p></o:p></p>
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