{"id":763,"date":"2021-09-20T10:14:55","date_gmt":"2021-09-20T15:14:55","guid":{"rendered":"https:\/\/600hemphill.com\/?p=763"},"modified":"2021-09-20T11:43:41","modified_gmt":"2021-09-20T16:43:41","slug":"more-liens","status":"publish","type":"post","link":"https:\/\/600hemphill.com\/index.php\/2021\/09\/20\/more-liens\/","title":{"rendered":"More Liens"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">After a&nbsp;<a href=\"https:\/\/600hemphill.com\/index.php\/2021\/02\/01\/lien-on-me\/\">supreme court opinion<\/a> earlier this year, the Fifth Court revisited the question whether PNC&#8217;s effort to foreclose a subrogation lien claim was time-barred. It held:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><em><strong>Accrual.<\/strong><\/em> Recognizing that &#8220;Texas case law gives conflicting answers to this issue,&#8221; the Court concluded that &#8220;the correct result is the one first reached by <em><a href=\"https:\/\/www.ravellaw.com\/opinions\/87eadad87ad2fe76f14a77c2efbf2702\">Kone<\/a> <\/em>in 1927. The lender&#8217;s cause of action to enforce its subrogation lien rights accrues on the date the refinancing loan matures.&#8221; (citing&nbsp;<em>Kone <\/em><em>v. Harper<\/em>, 297 S.W. 294 (Tex. App.&#8211;Waco 1927,&nbsp;<em>aff&#8217;d<\/em>, 1 S.W.2d 857 (Tex. Comm&#8217;n App. 1928)).<\/li><li><em><strong>Limitations period.<\/strong><\/em>The Court applied the four-year statute that governs other lien actions, reasoning: &#8220;PNC cannot, in the name of equity, have more rights than the party to which it is subrogated, and those rights are subject to the same defenses the borrower would have had against the original lender.&#8221;<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/600commerce.com\/wp-content\/uploads\/2021\/09\/PNC-Mortgage-v.-Howard-remand.pdf\">PNC Mortgage v. Howard<\/a>, No. 05-17-01484 (Sept. 17, 2021).<\/p>\n","protected":false},"excerpt":{"rendered":"<p>After a&nbsp;supreme court opinion earlier this year, the Fifth Court revisited the question whether PNC&#8217;s effort to foreclose a subrogation lien claim was time-barred. It held: Accrual. Recognizing that &#8220;Texas case law gives conflicting answers to this issue,&#8221; the Court &hellip; <a href=\"https:\/\/600hemphill.com\/index.php\/2021\/09\/20\/more-liens\/\">Continue reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"sfsi_plus_gutenberg_text_before_share":"","sfsi_plus_gutenberg_show_text_before_share":"","sfsi_plus_gutenberg_icon_type":"","sfsi_plus_gutenberg_icon_alignemt":"","sfsi_plus_gutenburg_max_per_row":"","_monsterinsights_skip_tracking":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-763","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>More Liens - 600 Hemphill<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/600hemphill.com\/index.php\/2021\/09\/20\/more-liens\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"More Liens - 600 Hemphill\" \/>\n<meta property=\"og:description\" content=\"After a&nbsp;supreme court opinion earlier this year, the Fifth Court revisited the question whether PNC&#8217;s effort to foreclose a subrogation lien claim was time-barred. It held: Accrual. 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