statute of limitations has expired. The legal context and statistics referenced may be outdated; readers should consult current resources for up‑to‑date information.
**Evergreen summary:** In Washington State, a surge in litigation has seen delinquent borrowers argue that foreclosures are time‑barred because lenders waited more than six years after accelerating their loans. They assert that under RCW 7.28.300, property owners may file quiet title actions to wipe out a deed of trust when foreclosure would be barred by the statute of limitations. Washington courts have reinforced this interpretation in cases such as *Edmundson v. Bank of America* (2016), *Silvers v. U.S. Bank* (2015), and *Jarvis v. Fannie Mae* (2017), finding that a borrower’s bankruptcy discharge triggers the six‑year window within which lenders must act. The article warns that lenders and servicers face increased risk if they fail to foreclose within this timeframe.
For current information on foreclosure and related legal issues, please see our [Mortgage News](/news/) articles.
