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<p class="MsoNormal"><span style="font-family:"Times New Roman",serif;color:#002060">Eric--Speaking as Tim’s proxy, I will answer yes to your questions, with the exception that if the statute of limitations for foreclosing were to run shortly after the bankruptcy
filing, the time to commence foreclosure would be extended until the automatic stay went away. This typically occurs at discharge, which is usually only a few months after filing in a normal Chapter 7.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Times New Roman",serif;color:#002060"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Times New Roman",serif;color:#002060">Mike<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Times New Roman",serif;color:#002060"><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;color:#1F497D">The Law Office of G. Michael Zeno, Jr., P.S.</span></b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:black"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D">135 Lake Street S., Suite 257</span><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:black"><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">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>
<div>
<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>
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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:10.0pt;font-family:"Calibri",sans-serif;color:#15375F">Attorney | Anderson Hunter Law Firm</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>
<div id="ms-outlook-mobile-signature">
<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">SNOHOMISH ESCROW</span><o:p></o:p></p>
<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>
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