ࡱ> CD  !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~Root Entryb.@pP燲oPerfectOffice_MAIN&CxPerfectOffice_OBJECTS,`o`oSummaryInformation(| Oh+'Oh+'0L    Dale Whitman2$C:\COREL\SUITE8\PROGRAMS\PRWIN8.EXEw Original Slide Show  TitleBullet ChartTextOrg ChartData ChartCombinationWPC-XX81%^{%-3'XXXX,,,,51942*+13,*`-:;|%|%W;W/ YY@1 .(3(,*`-:%W%WWWWPC-XX81%0CɄ3'XXXXKWPCCx ~  !$$%%%0TVZV`VfV!|B"XXXX'33' wr" B P mMd9MM%RwWPC ,"  ,2  I  .3  Foreclosure:....2  1  .3  PowerofSale( (2  I  .3  Whomshouldyounameaspartiesinanonjudicial(powerofsale)foreclosure?....2  1  .3  Youmaynothavemuchchoice.Atypicalstatuterequires:..2  A  .3  Noticeofdefaultrecorded..2  A  .3  Noticeofsalebypublication..2  A  .3  Postingonthepremises..2  A  .3  Noticesofdefaultandsalesenttothosewhorecordeda requestfornotice.# #2  I  .3  Whatstheeffectof omittingaparty?..2  A  .3  Inmanypower-of-salestates,itsirrelevant...2  A  .3  Ifnoticeisrequiredbystatute.........2  a  .3  Theomittedpartystillhashis/herrightsbutthesaleisotherwisegood,or(morelikely)......2  a  .3  Thesaleisvoidable(orvoid).#+#2  I  .3  TrusteesDuties:..2  A  .3  Mustbeindependentofthemortgagee(beneficiary)?..2  A  .3  Mustverifythatthedebtisindefault?..2  A  .3  Mustobtaina commerciallyreasonableprice?..2  A  .3  Mustnotpurchaseatthesale?( (2  I  .3  Wansleyv.FirstNat.Bank....2  1  .3  (Trusteewasgeneralcounselandalargeshare-holderintheforeclosingBank)..2  A  .3  Whydonttrusteeshavetobeindependent?..2  A  .3  Whydoweneedtrusteesatall?..2  A  .3  Mustthesalebecommerciallyreasonable.......2  1  .3  Forpurposesofreturningasurplus?....2  1  .3  Forpurposesofdeterminingadeficiency?#   #2  I  .3  TitlesfromTrusteesSales?..2  A  .3  Doesthetrusteewarrantthetitle?..2  A  .3  Whatshouldbuyersdotoprotectthemselves?..2  A  .3  Isthetitlestillgoodifthetrusteecommittedanerrorinconductingthesale?+ 2  I  .3  #   #2  I  .3  Adefectintheexerciseofapowerofsalemaymakethesale:..2  A  .3  Voidable(thecourtwillnotsetitasideifaBFPhastakentheland)or..2  A  .3  Void(thecourtwillsetitasideevenifaBFPhastakentheland).#  #2  I  .3  Defectsmakingsalesvoid:..2  A  .3  Themortgagewasaforgery..2  A  .3  Thedebtneverexisted..2  A  .3  Mortgageedidnotholddebt..2  A  .3  Thedebtwasnotyetdue..2  A  .3  Thedebthadbeenpaidoff# #2  I  .3  Defectsmakingsalesvoidable:..2  A  .3  Minorerrorsinpublicationofnotice..2  A  .3  Chilledbidding..2  A  .3  BiddingbyTrustee(insomestates)..2  A  .3  Impropertimeorplace# #2  I  .3  DamagesagainstTfordefectivesale:....2  1  .3  Wesimplyassumethatthesale,ifproperlyconducted,wouldhavebroughtfairmarketvalue(lessanyseniorliens,ofcourse).+ 2  I  .3  "! "2  I  .3  ( (2  I  .3  IfTacomaisaBFP:..2  A  .3  Recitalsindeedareconclusive...2  A  .3  ThesaleisvalidagainstallpartiesincludingOSB..2  A  .3  OSBmayhaveotherremedies:....2  1  .3  damagesclaimagainsttrustee?....2  1  .3  damagesclaimagainstbenefic?##2  I  .3  IfTacomaisnotaBFP:..2  A  .3  Theresapresumptionofvalidity,butitisnotconclusive..2  A  .3  OSBcanshowfactuallythatthestatutewasntfollowedastothem..2  A  .3  Hence,theirliensurvives;theyrean omittedjunior.##2  I  .3  WasTacomaaBFP?..2  A  .3  Actualknowledge?..2  A  .3  Constructivenoticefromthepublicrecords?..2  A  .3  Dutytoinquire?Why?Ofwhom?..2  A  .3  Whatfactscouldtheyhaveinquiredabout?....2  1  .3  Theythemselvesgotnomailednotice....2  1  .3  Trusteesreputation&pasthistory##2  I  .3  Howbadadefectwillthestatutory conclusivepresumptionovercome?..2  A  .3  Failuretonotifythetrustor?..2  A  .3  Other proceduraldefects?..2  A  .3  Thetrustorwasneverindefault?..2  A  .3  Thedeedoftrustwasforged?..2  A  .3  Doesitdependonexactlywhatthetrusteesdeedrecites?F110|&9:Qn%Tw=RMBackgroundKKK ? ///???OOO___fffooof1?O/_??ߟ߿_?_?_?ffffO3(f3 3f1I_#f3ffL3$33fffff'3#33fLff̙fZ(/!f 3(f&3.3fu3f3f3%3(K_fLff333&fJr̕uknXBf,33 f!,7ff3 3f&3?[3pT8f3'3Nf3p`ff33f3?f3f̵kfU,:!.f0(-#fW3#fW̷̙0%3f̙0 0f̙ef 0! f!"!"!effff3#&e2e2,9"Ƅ0<$h0<$C`H H A"Arial Regular +C`H H A"Arial Regular +C`H H A"Arial Regular +C`H H A"Arial Regular +C`H H A"Arial Regular +C`H H A"Arial Regular +)?  !@Z33 4=2  I  .3  TitleofShow  Ƅ0<$+3 ń.Z#8OA"Arial RegularOH H H         @  Q QOA"Arial RegularOH H H         @ TitleofShow+3"ȄD=0v`=0vC`llA"Arial Regular +3f3fC`llA"Arial Regular +3f3fC`llA"Arial Regular +3f3fC`llA"Arial Regular +3f3fC`llA"Arial Regular +3f3fC`llA"Arial Regular +3f3f)?   4@2  I  .3  SubtitleofShow  Ȅ=0v+%3f13f3 DŽ@QQ/8OA"Arial RegularOlll        @  Q QOA"Arial RegularOlll     3f   @3fSubtitleofShowWPCx&XX81%0<#3'XXXXKKKK ? ///???OOO___fffooof1?O/_??ߟ߿_?_?_?ffffO3(f3 3f1I_#f3ffL3$33fffff'3#33fLff̙fZ(/!f 3(f&3.3fu3f3f3%3(K_fLff333&fJr̕uknXBf,33 f!,7ff3 3f&3?[3pT8f3'3Nf3p`ff33f3?f3f̵kfU,:!.f0(-#fW3#fW̷̙0%3f̙0 0f̙ef 0! f!"!"!effff3#&e2e2,9"0h$,0h$C T T \AZ"Arial Regular +C T T \AZ"Arial Regular +C T T \AZ"Arial Regular +C T T \AZ"Arial Regular +C T T \AZ"Arial Regular +C T T \AZ"Arial Regular +)?  !@Z_33 4 @ @ @ @ @ @ " dddddd>2  I  .3  TitleofSlide  ᄍ0h$+3 焝.#6O, \AZ"Arial RegularOT T T         @  Q QO, \AZ"Arial RegularOT T T         @TitleofSlide+/ Z@1 _333 `0077+13" 0w`0wC`xxA"Arial Regular +3f3fC`xxA"Arial Regular +3f3fC`xxA"Arial Regular +3f3fC`xxA"Arial Regular +3f3fC`xxA"Arial Regular +3f3fC`xxA"Arial Regular +3f3f)?   4A2  I  .3  SubtitleofSlide  ㄊ 0w+%3f13f3 @#Q/9O, \AZ"Arial RegularOxxx        @  Q QO, \AZ"Arial RegularOxxx     3f   @3fSubtitleofSlide+%13" 0B 0C , \AZ"Arial Regular +C ++, \AZ"Arial Regular +3f3fC , \AZ"Arial Regular +3f3fC , \AZ"Arial Regular +3f3fC CC, \AZ"Arial Regular +3f3fC , \AZ"Arial Regular +3f3f98   433333333 @3 @3 @3 @3 @3 @3 " dddddd$ X2  I  .3  FirstItem2  A  .3  subitem2  I  .3  SecondItem2  A  .3  subitem2  I  .3  ThirdItem2  I  .3  FourthItem  儊 013 @ Q/O, \AZ"Arial RegularO        @3a aO, \AZ"Arial RegularO    O, \AZ"Arial RegularO        @0..FirstItemO, \AZ"Arial RegularO+++     3f   @3f..        @3    O, \AZ"Arial RegularO+++     3f   @3f0..subitemO, \AZ"Arial RegularO        @3    O, \AZ"Arial RegularO        @0..SecondItemO, \AZ"Arial RegularO+++     3f   @3f..        @3    O, \AZ"Arial RegularO+++     3f   @3f0..subitemO, \AZ"Arial RegularO        @3    O, \AZ"Arial RegularO        @0..ThirdItemO, \AZ"Arial RegularO        @3    O, \AZ"Arial RegularO        @0..FourthItemWPC6XX81%0=##3'XXXXKKKK ? ///???OOO___fffooof1?O/_??ߟ߿_?_?_?ffffO3(f3 3f1I_#f3ffL3$33fffff'3#33fLff̙fZ(/!f 3(f&3.3fu3f3f3%3(K_fLff333&fJr̕uknXBf,33 f!,7ff3 3f&3?[3pT8f3'3Nf3p`ff33f3?f3f̵kfU,:!.f0(-#fW3#fW̷̙0%3f̙0 0f̙ef 0! f!"!"!effff3#&e2e2,9"0h$h0h$C`T T A"Arial Regular +C`T T A"Arial Regular +C`T T A"Arial Regular +C`T T A"Arial Regular +C`T T A"Arial Regular +C`T T A"Arial Regular +)?  !@Z_33 4>2  I  .3  TitleofSlide  0h$+3 .#6OA"Arial RegularOT T T         @  Q QOA"Arial RegularOT T T         @TitleofSlide+3" 0w`0wC`xxA"Arial Regular +3f3fC`xxA"Arial Regular +3f3fC`xxA"Arial Regular +3f3fC`xxA"Arial Regular +3f3fC`xxA"Arial Regular +3f3fC`xxA"Arial Regular +3f3f)?   4A2  I  .3  SubtitleofSlide   0w+%3f13f3 @#Q/9OA"Arial RegularOxxx        @  Q QOA"Arial RegularOxxx     3f   @3fSubtitleofSlide+%13""0`0C`llA"Arial Regular +C`@@A"Arial Regular +3f3fC`xxA"Arial Regular +3f3fC`A"Arial Regular +3f3fC`A"Arial Regular +3f3fC`A"Arial Regular +3f3f)?   4333333332  I  .3  Thisisthefirstitem.Thisistheseconditem.Thisisthethirditem.Thisisthefourthitem.  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 !@Z_33 4 @ @ @ @ @ @ " dddddd$   0h$-.)*+%'153 c .#O, \AZ"Arial RegularO` ` `         @  Q Q O, \AZ"Arial RegularO` ` ` Defectsmakingsalesvoid:.+/ Z@1 _333 `00  WPCXX81%XX81%]3'XXXXKKKK9"\RF 0B 0C , \AZ"Arial Regular +C , \AZ"Arial Regular +3f3fC &&, \AZ"Arial Regular +3f3fC yy, \AZ"Arial Regular +3f3fC , \AZ"Arial Regular +3f3fC 99, \AZ"Arial Regular +3f3f98   433333333 @3 @3 @3 @3 @3 @3 " dddddd$   \ 0+133 [@ Q/ c O, \AZ"Arial RegularO999        @3a aO, \AZ"Arial RegularO        @        @3    O, \AZ"Arial RegularO        @0&..Themortgagewasaforgery  O, \AZ"Arial RegularO        @3    O, \AZ"Arial RegularO        @0&..Thedebtneverexisted  O, \AZ"Arial RegularO        @3    O, \AZ"Arial RegularO        @0&..Mortgageedidnotholddebt  O, \AZ"Arial RegularO        @3    O, \AZ"Arial RegularO        @0&..Thedebtwasnotyetdue  O, \AZ"Arial RegularO        @3    O, \AZ"Arial RegularO        @0&..ThedebthadbeenpaidoffWPC)XX81%XX81%d3'XXXXKKKK9"_?0h$:?0h$C ` ` , \AZ"Arial Regular +C ` ` , \AZ"Arial Regular +C ` ` , \AZ"Arial Regular +C ` ` , \AZ"Arial Regular +C ` ` , \AZ"Arial Regular +C ` ` , \AZ"Arial Regular +)? 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O, \AZ"Arial RegularO        @3    O, \AZ"Arial RegularO        @0&..ThesaleisvalidagainstallpartiesincludingOSB  O, \AZ"Arial RegularO        @3    O, \AZ"Arial RegularO        @0&..OSBmayhaveotherremedies:  O, \AZ"Arial RegularO     3f   @3f..        @3    O, \AZ"Arial RegularO     3f   @3f0&..damagesclaimagainsttrustee?  ..O, \AZ"Arial RegularO        @3    O, \AZ"Arial RegularO     3f   @3f0&..damagesclaimagainstbenefic?WPC,XX81%XX81%3'XXXXKKKK9j"0h$:0h$C ` ` , \AZ"Arial Regular +C ` ` , \AZ"Arial Regular +C ` ` , \AZ"Arial Regular +C ` ` , \AZ"Arial Regular +C ` ` , \AZ"Arial Regular +C ` ` , \AZ"Arial Regular +)?  !@Z_33 4 @ @ @ @ @ @ " dddddd$   ᄍ0h$' ℝ^ .#O, \AZ"Arial RegularO` ` `         @  Q QO, \AZ"Arial RegularO` ` `  IfTacomaisnotaBFP:.+/ Z@1 _333 `00  WPC XX81%XX81%3'XXXXKKKK9j"ut 0Bt 0C , \AZ"Arial Regular +C ++, \AZ"Arial Regular +3f3fC , \AZ"Arial Regular +3f3fC , \AZ"Arial Regular +3f3fC CC, \AZ"Arial Regular +3f3fC , \AZ"Arial Regular +3f3f98   433333333 @3 @3 @3 @3 @3 @3 " dddddd$   儊t 0+133 @t Q/O, \AZ"Arial RegularO        @3a aO, \AZ"Arial RegularO        @        @3    O, \AZ"Arial RegularO        @0..Theresapresumptionofvalidity,butitisnotconclusive  O, \AZ"Arial RegularO        @3    O, \AZ"Arial RegularO        @0..OSBcanshowfactuallythatthestatutewasntfollowedastothem  O, \AZ"Arial RegularO        @3    O, \AZ"Arial RegularO        @0..Hence,theirliensurvives;theyrean omittedjunior.WPC^XX81%XX81%3'XXXXKKKK9lj"0h$:0h$C ` ` , \AZ"Arial Regular +C ` ` , \AZ"Arial Regular +C ` ` , \AZ"Arial Regular +C ` ` , \AZ"Arial Regular +C ` ` , \AZ"Arial Regular +C ` ` , \AZ"Arial Regular +)?  !@Z_33 4 @ @ @ @ @ @ " dddddd$   ᄍ0h$.)*+%'153 ℝ^ .#O, \AZ"Arial RegularO` ` `         @  Q QO, \AZ"Arial RegularO` ` `  WasTacomaaBFP?.+/ Z@1 _333 `00  WPCXX81%XX81%3'XXXXKKKK9lj"dh0Bh0C , \AZ"Arial Regular +C ++, \AZ"Arial Regular +3f3fC , \AZ"Arial Regular +3f3fC , \AZ"Arial Regular +3f3fC CC, \AZ"Arial Regular +3f3fC , \AZ"Arial Regular +3f3f98   433333333 @3 @3 @3 @3 @3 @3 " dddddd$   儊h0+133 @hQ/dO, \AZ"Arial RegularO        @3a aO, \AZ"Arial RegularO        @        @3    O, \AZ"Arial RegularO        @0..Actualknowledge?  O, \AZ"Arial RegularO        @3    O, \AZ"Arial RegularO        @0..Constructivenoticefromthepublicrecords?  O, \AZ"Arial RegularO        @3    O, \AZ"Arial RegularO        @0..Dutytoinquire?Why?Ofwhom?  O, \AZ"Arial RegularO        @3    O, \AZ"Arial RegularO        @0..Whatfactscouldtheyhaveinquiredabout?  O, \AZ"Arial RegularO+++     3f   @3f..        @3    O, \AZ"Arial RegularO+++     3f   @3f0..Theythemselvesgotnomailednotice  ..O, \AZ"Arial RegularO+++        @3    O, \AZ"Arial RegularO+++     3f   @3f0..Trusteesreputation&pasthistoryWPCXX81%XX81%3'XXXXKKKK9Ѐ|"0h$:0h$C ` ` , \AZ"Arial Regular +C ` ` , \AZ"Arial Regular +C ` ` , \AZ"Arial Regular +C ` ` , \AZ"Arial Regular +C ` ` , \AZ"Arial Regular +C ` ` , \AZ"Arial Regular +)?  !@Z_33 4 @ @ @ @ @ @ " dddddd$   0h$-.)*+%'153 e.#O, \AZ"Arial RegularO` ` `         @  Q QO, \AZ"Arial RegularO` ` `  Howbadadefectwillthestatutory conclusivepresumptionovercome?.+/ @1 _333 `f00uuWPCrXX81%XX81%3'XXXXKKKK9B"qe 04e 0C  \AZ"Arial Regular +C ++ \AZ"Arial Regular +3f3fC  \AZ"Arial Regular +3f3fC  \AZ"Arial Regular +3f3fC CC \AZ"Arial Regular +3f3fC  \AZ"Arial Regular +3f3f98   433333333 @3 @3 @3 @3 @3 @3 " dddddd  e 0.)*+%'153 e@e Q/) O \AZ"Arial RegularO        @a aO \AZ"Arial RegularO        @          @3O \AZ"Arial RegularO        @0..Failuretonotifythetrustor?  O \AZ"Arial RegularO        @3O \AZ"Arial RegularO        @0..Other proceduraldefects?  O \AZ"Arial RegularO        @3O \AZ"Arial RegularO        @0..Thetrustorwasneverindefault?  O \AZ"Arial RegularO        @3O \AZ"Arial RegularO        @0..Thedeedoftrustwasforged?  O \AZ"Arial RegularO        @3O \AZ"Arial RegularO        @0..Doesitdependonexactlywhatthetrusteesdeedrecites?&$NWPCXX81%.{$f3'XXXXKKKK ? ///???OOO___fffooof1?O/_??ߟ߿_?_?_?ffffO3(f3 3f1I_#f3ffL3$33fffff'3#33fLff̙fZ(/!f 3(f&3.3fu3f3f3%3(K_fLff333&fJr̕uknXBf,33 f!,7ff3 3f&3?[3pT8f3'3Nf3p`ff33f3?f3f̵kfU,:!.f0(-#fW3#fW̷̙0%3f̙0 0f̙ef 0! f!"!"!effff3#&e2e2,942*'"eW-"KO, \AZ"Arial RegularO        @ Atypicalpresumptionstatute: UtahCodeAnn.57-1-28:..Thetrusteesdeedmaycontainrecitalsofcompliancewith[thestatute]relatingtotheexerciseofthepowerofsaleandsaleoftheproperty....TheserecitalsconstituteprimafacieevidenceofsuchcomplianceandareconclusiveevidenceinfavorofBFPs.WPCXX81%r0$g3'XXXXKKKK ? ///???OOO___fffooof1?O/_??ߟ߿_?_?_?ffffO3(f3 3f1I_#f3ffL3$33fffff'3#33fLff̙fZ(/!f 3(f&3.3fu3f3f3%3(K_fLff333&fJr̕uknXBf,33 f!,7ff3 3f&3?[3pT8f3'3Nf3p`ff33f3?f3f̵kfU,:!.f0(-#fW3#fW̷̙0%3f̙0 0f̙ef 0! f!"!"!effff3#&e2e2,942*+'"eE{:{0"O, \AZ"Arial RegularO` ` `         @  1stmortgage:....$10,0002ndmortgage:....$5,0003rdmortgage:....$3,000FMV:` ..`  .. ........$20,000The2ndmtgisforeclosed,andME2purchasesfor$4,000.Thesaleisdefective.WhatareME3'sdamages?WhatareMRsdamages?+%'1"fN\+WPCLXX81%g/T$o3'XXXXKKKK ? ///???OOO___fffooof1?O/_??ߟ߿_?_?_?ffffO3(f3 3f1I_#f3ffL3$33fffff'3#33fLff̙fZ(/!f 3(f&3.3fu3f3f3%3(K_fLff333&fJr̕uknXBf,33 f!,7ff3 3f&3?[3pT8f3'3Nf3p`ff33f3?f3f̵kfU,:!.f0(-#fW3#fW̷̙0%3f̙0 0f̙ef 0! f!"!"!effff3#&e2e2,942*.3 e6/"O, \AZ"Arial RegularO        @  Mt.Bayl ..l  .. Gliddens..s....TacomaMt.Bayl ..l  .. OSBMt.Bayl ..l  .. Tacoma.13Z f!!!;;;+ + + + + +  " " " " " """"n*g%}4P!!!;;;+ + + + + +  " " " " " """"n*hn!!!;;;+ + + + + +  " " " " " """"Z i"!"!"!!;!;!;!+ !+ ` + + + +  " " "` "! "! "!"!"!".13 j~!"#O, \AZ"Arial RegularOxxx        @  1st"kKpO, \AZ"Arial RegularOxxx        @  2d"lRl@8O, \AZ"Arial RegularOxxx        @  3d"m!!#O, \AZ"Arial RegularOxxx        @  Fcl. ng.tO, \AZ"Arial RegularO        @  ..TrusteefailedtonoticeOSB..Trusteewantssalesetaside..OSBclaimssaleisvalid,butthatitisan omittedjunior.WPCXX81% & )X3'XXXXKKKK ? ///???OOO___fffooof1?O/_??ߟ߿_?_?_?ffffO3(f3 3f1I_#f3ffL3$33fffff'3#33fLff̙fZ(/!f 3(f&3.3fu3f3f3%3(K_fLff333&fJr̕uknXBf,33 f!,7ff3 3f&3?[3pT8f3'3Nf3p`ff33f3?f3f̵kfU,:!.f0(-#fW3#fW̷̙0%3f̙0 0f̙ef 0! f!"!"!effff3#&e2e2,942*+<</ @1    :):)D D SlideShowP燲oP燲oMain FontInformation P燲oP燲oFontNumber0Times New Roman/6/RwhT\|f|w h0HDRw|Times New Roman   FontNumber1 FontNumber2ArialNew Roman/6/RwhT\|f|w h0HDRw|Arial Regular A ArialNew Roman/6/RwhT\|f|w h0HDRw|Arial Regular , \AZ