ENG v. SPECIALIZED LOAN SERVICING

No. 82378-7-I.

500 P.3d 171 (2021)

Saody ENG, an individual, Appellant, v. SPECIALIZED LOAN SERVICING, a foreign limited liability company, Respondent.

Court of Appeals of Washington, Division 1.

Filed December 13, 2021.


Attorney(s) appearing for the Case

Amanda Nicole Martin , Northwest Consumer Law Center, 936 N 34th St. Ste. 300, Seattle, WA, 98103-8869, Joshua Lohec Turnham , Northwest Justice Project, 715 Tacoma Ave. S, Tacoma, WA, 98402-2206, for Appellant.

Garrett Stephen Garfield , Attorney at Law, 601 Sw 2nd Ave. Ste. 1800, Portland, OR, 97204-3171, for Respondent.


PUBLISHED OPINION

¶ 1 The statute of limitations runs against each installment of a promissory note once it is past due. Time-barred debt remains valid though unenforceable. A creditor can demand repayment of valid debt without enforcing it.

¶ 2 When, as here, a creditor holds a deed of trust securing an...

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