■ PUBLIC NOTICE
LEGAL
IN THE SUPERIOR COURT OF THE STATE OF WASHINGTON
IN AND FOR THE COUNTY OF WHATCOM
SHERIFF’S PUBLIC NOTICE OF SALE OF REAL PROPERTY
CAUSE NO. 12-2-03372-9
CYPRESS PLACE CONDOMINIUM OWNERS’ ASSOCIATION, a Washington non-profit corporation,
Plaintiff(s),
vs
SEAN M. SMITH and JANE DOE SMITH, husband and wife, and their marital community, if married; MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. “MERS”, solely as nominee for COUNTRYWIDE BANK, FSB, its successors and assigns; and any unknown party claiming any interest in the real property that is the subject of this proceeding,
Defendant(s).
TO: Sean and Jane Doe Smith, husband and wife and their marital community, Judgment Debtor(s)
The Superior Court of Whatcom County has directed the undersigned Sheriff of Whatcom County to sell the property described below to satisfy a judgment in the above-entitled action:
COMMON STREET ADDRESS: 1508 I Street, #201, Bellingham, WA 98225
FULL LEGAL DESCRIPTION:
Unit No. A-412, Cypress Place Condominium, Phase 3, according to the Declaration recorded under Auditor’s File No. 2060804167, and any amendments thereto, records of Whatcom County, Washington.
SITUATE IN WHATCOM COUNTY, WASHINGTON.
TAX PARCEL NO. 370306 236401 0144
The sale of the above-described property is to take place:
DATE: Friday, January 22, 2016
TIME: 9:30 A.M.
PLACE: WHATCOM COUNTY COURTHOUSE, BELLINGHAM, WA
The judgment debtor can avoid the sale by paying the judgment amount of $7,363.13
together with interest, costs and fees before the sale date. For the exact amount, contact the Sheriff at the address stated below.
ATTORNEY:
Law Offices of Gregory E. Thulin, PS
Gregory E. Thulin, Attorney
2200 Rimland Drive, Suite 115
Bellingham, WA 98226-6639
Ph 360.714.8599
BILL J. ELFO, Sheriff
Whatcom County
By: SHAUNA BALDETTA, Civil Assistant
311 Grand Avenue
Bellingham, WA
(360) 778-6614
Published by Ferndale Record
December 23, 30, 2015, and January 6 and 13, 2016.
■ NOTICE TO CREDITORS
LEGAL
THE SUPERIOR COURT OF THE STATE OF WASHINGTON
IN AND FOR THE COUNTY OF WHATCOM
In Re the Estate of:
Donald S. Chakas,
Deceased.
NO. 15 4 00585 9
PROBATE NOTICE TO CREDITORS
RCW 11.40.030
Date of Death: 11-11-15
The personal representative named below has been appointed as personal representative of this estate. Any person having a claim against the decedent must, before the time the claim would be barred by any otherwise applicable statute of limitations, present the claim in the manner as provided in RCW 11.40.070 by serving on or mailing to the personal representative or the personal representative’s attorney at the address stated below a copy of the claim and filing the original of the claim with the court in which the probate proceedings were commenced. The claim must be presented within the later of: (1) thirty days after the personal representative served or mailed the notice to the creditor as provided under RCW 11.40.020(1)(c); or (2) four months after the date of first publication of the notice. If the claim is not presented within this time frame, the claim is forever barred, except as otherwise provided in RCW 11.40.051 and 11.40.060. This bar is effective as to claims against both the decedent’s probate and nonprobate assets.
Date of first publication: December 16, 2015.
Glendon L. Scott
Personal Representative
Attorney for Personal Representative:
Gregory E. Thulin, WSBA #21752
Law Offices of Gregory E. Thulin
2200 Rimland Drive, Suite 115
Bellingham, WA 98226-6639
Phone: 360-714-8599
Court of probate proceedings & cause number:
Whatcom County Superior Court
311 Grand Avenue
Bellingham, WA 98225
Cause No. 15-4-00585-9
Published by Ferndale Record
December 16, 23 and 30, 2015.
LEGAL
THE SUPERIOR COURT OF THE STATE OF WASHINGTON
IN AND FOR THE COUNTY OF WHATCOM
In Re the Estate of:
Virginia E. Jenkins,
Deceased.
NO. 15 4 00576 0
PROBATE NOTICE TO CREDITORS
RCW 11.40.030
Date of Death: 9-20-15
The personal representative named below has been appointed as personal representative of this estate. Any person having a claim against the decedent must, before the time the claim would be barred by any otherwise applicable statute of limitations, present the claim in the manner as provided in RCW 11.40.070 by serving on or mailing to the personal representative or the personal representative’s attorney at the address stated below a copy of the claim and filing the original of the claim with the court in which the probate proceedings were commenced. The claim must be presented within the later of: (1) thirty days after the personal representative served or mailed the notice to the creditor as provided under RCW 11.40.020(1)(c); or (2) four months after the date of first publication of the notice. If the claim is not presented within this time frame, the claim is forever barred, except as otherwise provided in RCW 11.40.051 and 11.40.060. This bar is effective as to claims against both the decedent’s probate and nonprobate assets.
Date of first publication: December 16, 2015.
John Donald Jenkins
Personal Representative
Attorney for Personal Representative:
Gregory E. Thulin, WSBA #21752
Law Offices of Gregory E. Thulin
2200 Rimland Drive, Suite 115
Bellingham, WA 98226-6639
Phone: 360-714-8599
Court of probate proceedings & cause number:
Whatcom County Superior Court
311 Grand Avenue
Bellingham, WA 98225
Cause No. 15-2-00576-0
Published by Ferndale Record
December 16, 23, and 30, 2015.
■ TRUSTEE’S SALE
LEGAL
File No.: Trustee: 7023.114177 Northwest Trustee Services, Inc. Grantors: Kyle P. Panduro, also appearing of record as Kyle Preben Panduro and Ashlee Erin Walston, husband and wife Grantee: Wells Fargo Bank, N.A. Ref to DOT Auditor File No.: 2120601889 Tax Parcel ID No.: 390218-166008-0000/93072 Abbreviated Legal: Lot 40, Plat of Aquarius, Div. 2, Vol. 11, Pg. 77, Whatcom Co., WA. Notice of Trustee’s Sale Pursuant to the Revised Code of Washington 61.24, et seq. THIS NOTICE IS THE FINAL STEP BEFORE THE FORECLOSURE SALE OF YOUR HOME You have only 20 DAYS from the recording date of this notice to pursue mediation. DO NOT DELAY. CONTACT A HOUSING COUNSELOR OR AN ATTORNEY LICENSED IN WASHINGTON NOW to assess your situation and refer you to mediation if you are eligible and it may help you save your home. See below for safe sources of help. SEEKING ASSISTANCE Housing counselors and legal assistance may be available at little or no cost to you. If you would like assistance in determining your rights and opportunities to keep your house, you may contact the following: The statewide foreclosure hotline for assistance and referral to housing counselors recommended by the Housing Finance Commission Telephone: Toll-free: 1-877-894-HOME (1-877-894-4663). Web site: http://www.dfi.wa.gov/consumers/homeownership/post_purchase_counselors_foreclosure.htm The United States Department of Housing and Urban Development Telephone: Toll-free: 1-800-569-4287. Web site: http://www.hud.gov/offices/hsg/sfh/hcc/fc/index.cfm?webListAction=search&searchstate=WA&filterSvc=dfc The statewide civil legal aid hotline for assistance and referrals to other housing counselors and attorneys Telephone: Toll-free: 1-800-606-4819. Web site: http://nwjustice.org/what-clear.
I.
5 On January 8, 2016, at 10:00 AM. inside the main lobby of the Whatcom County Courthouse, 311 Grand Avenue in the City of Bellingham, State of Washington, the undersigned Trustee (subject to any conditions imposed by the Trustee) will sell at public auction to the highest and best bidder, payable at time of sale, the following described real property “Property”, situated in the County(ies) of WHATCOM, State of Washington: Lot 40, “Plat of Aquarius, Division No. 2,” according to the Plat thereof, recorded in Volume 11 of Plats, Page 77, records of Whatcom County, Washington. Commonly known as: 6106 Juno Circle Ferndale, WA 98248 which is subject to that certain Deed of Trust dated 06/06/12, recorded on 06/18/12, under Auditor’s File No. 2120601889, records of WHATCOM County, Washington, from Kyle P. Panduro and Ashlee Erin Walston, husband and wife, as Grantor, to Northwest Trustee Services, LLC, as Trustee, to secure an obligation “Obligation” in favor of Response Home Lending, LLC, as Beneficiary, the beneficial interest in which was assigned by Response Home Lending, LLC to Wells Fargo Bank, N.A., under an Assignment/Successive Assignments recorded under Auditor’s File No. 2120601890. *The Tax Parcel ID number and Abbreviated Legal Description are provided solely to comply with the recording statutes and are not intended to supplement, amend or supersede the Property’s full legal description provided herein.
II.
No action commenced by the Beneficiary of the Deed of Trust is now pending to seek satisfaction of the Obligation in any Court by reason of the Grantor’s or Borrower’s default on the Obligation secured by the Deed of Trust.
III.
The Beneficiary alleges default of the Deed of Trust for failure to pay the following amounts now in arrears and/or other defaults: Amount due to reinstate as of 09/08/2015. If reinstating after this date, please contact NWTS for the exact reinstatement amount. Monthly Payments $7,715.87 Late Charges $68.72 Lender’s Fees & Costs ($0.14) Total Arrearage $7,784.45 Trustee’s Expenses (Itemization) Trustee’s Fee $600.00 Title Report $766.50 Statutory Mailings $52.38 Recording Costs $16.00 Postings $80.00 Total Costs $1,514.88 Total Amount Due: $9,299.33 Other known defaults as follows:
IV.
The sum owing on the Obligation is: Principal Balance of $173,756.07, together with interest as provided in the note or other instrument evidencing the Obligation from 02/01/15, and such other costs and fees as are due under the Obligation, and as are provided by statute.
V.
The Property will be sold to satisfy the expense of sale and the Obligation as provided by statute. The sale will be made without representation or warranty, express or implied regarding title, possession, encumbrances or condition of the Property on January 8, 2016. The default(s) referred to in paragraph III, together with any subsequent payments, late charges, advances costs and fees thereafter due, must be cured by 12/28/15 (11 days before the sale date), to cause a discontinuance of the sale. The sale will be discontinued and terminated if at any time before 12/28/15 (11 days before the sale date), the default(s) as set forth in paragraph III, together with any subsequent payments, late charges, advances, costs and fees thereafter due, is/are cured and the Trustee’s fees and costs are paid. The sale may be terminated any time after 12/28/15 (11 days before the sale date), and before the sale by the Borrower, Grantor, any Guarantor or the holder of any recorded junior lien or encumbrance paying the entire balance of principal and interest secured by the Deed of Trust, plus costs, fees, and advances, if any made pursuant to the terms of the obligation and/or Deed of Trust, and curing all other defaults.
VI.
A written notice of default was transmitted by the Beneficiary or Trustee to the Borrower and Grantor at the following address(es): NAME AND ADDRESS Kyle P. Panduro aka Kyle Preben Panduro 6106 Juno Circle Ferndale, WA 98248 Ashlee Erin Walston 6106 Juno Circle Ferndale, WA 98248 Kyle P. Panduro aka Kyle Preben Panduro 4446 Knorr Court Blaine, WA 98230 Ashlee Erin Walston 4446 Knorr Court Blaine, WA 98230 by both first class and certified mail, return receipt requested on 08/07/15, proof of which is in the possession of the Trustee; and on 08/07/15 Grantor and Borrower were personally served with said written notice of default or the written notice of default was posted on a conspicuous place on the real property described in paragraph I above, and the Trustee has possession of proof of such service or posting.
VII.
The Trustee, whose name and address are set forth below, will provide in writing to anyone requesting it a statement of all costs and trustee’s fees due at any time prior to the sale.
VIII.
The effect of the sale will be to deprive the Grantor and all those who hold by, through or under the Grantor of all their interest in the Property.
IX.
Anyone having any objection to the sale on any grounds whatsoever will be afforded an opportunity to be heard as to those objections if they bring a lawsuit to restrain the sale pursuant to RCW 61.24.130. Failure to bring such a lawsuit may result in a waiver of any proper grounds for invalidating the Trustee’s sale.
X.
NOTICE TO OCCUPANTS OR TENANTS – The purchaser at the Trustee’s Sale is entitled to possession of the property on the 20th day following the sale, as against the Grantor under the Deed of Trust (the owner) and anyone having an interest junior to the Deed of Trust, including occupants who are not tenants. After the 20th day following the sale the purchaser has the right to evict occupants who are not tenants by summary proceedings under Chapter 59.12 RCW. For tenant-occupied property, the purchaser shall provide a tenant with written notice in accordance with RCW 61.24.060. The trustee’s rules of auction may be accessed at www.northwesttrustee.com and are incorporated by this reference. You may also access sale status at www.northwesttrustee.com and www.USA-Foreclosure.com. Date Executed: Northwest Trustee Services, Inc., Trustee Authorized Signature 13555 SE 36th St. Suite 100 Bellevue, WA 98006 Contact: Neang Avila (425) 586-1900. (TS# 7023.114177 PANDURO, KYLE P. and WALSTON, ASHLEE ERIN) 1002.282395-File No.
Published by Ferndale Record
December 9 and 30, 2015.
LEGAL
NOTICE OF TRUSTEE’S SALE Pursuant to the Revised Code of Washington 61.24, et seq. TS No.: WA-09-245352-SH APN No.: 370432 349341 0000 Title Order No.: 090091828-WA-GNO Deed of Trust Grantor(s): ALVIN WHITE Deed of Trust Grantee(s): ARGENT MORTGAGE COMPANY, LLC Deed of Trust Instrument/Reference No.: 2061104267
I.
NOTICE IS HEREBY GIVEN that Quality Loan Service Corp. of Washington, the undersigned Trustee, will on 1/8/2016 , at 10:00 AM at the main entrance to the Whatcom County Courthouse, 311 Grand Avenue, Bellingham, WA sell at public auction to the highest and best bidder, payable in the form of credit bid or cash bid in the form of cashier’s check or certified checks from federally or State chartered banks, at the time of sale the following described real property, situated in the County of WHATCOM, State of Washington, to-wit: THE NORTH HALF OF THE SOUTHWEST QUARTER OF THE NORTHEAST QUARTER AND THAT PART OF THE NORTH HALF OF THE SOUTHEAST QUARTER OF THE NORTHWEST QUARTER LYING EAST OF CAIN LAKE ROAD (ALSO KNOWN AS COUNTY ROAD NO. 485) IN SECTION 32, TOWNSHIP 37 NORTH, RANGE 4 EAST OF W.M. WHATCOM COUNTY, WASHINGTON. More commonly known as: 380 CAIN LAKE ROAD, SEDRO WOOLLEY, WA 98284 which is subject to that certain Deed of Trust dated 11/22/2006, recorded 11/30/2006, under 2061104267 records of WHATCOM County, Washington , from ALVIN B. WHITE, AS HIS SOLE AND SEPARATE PROPERTY , as Grantor(s), to FIRST AMERICAN , as Trustee, to secure an obligation in favor of ARGENT MORTGAGE COMPANY, LLC , as Beneficiary, the beneficial interest in which was assigned by ARGENT MORTGAGE COMPANY, LLC (or by its successors-in-interest and/or assigns, if any), to U.S. Bank National Association as Trustee for NRZ Pass-Through Trust IV .
II.
No action commenced by the Beneficiary of the Deed of Trust is now pending to seek satisfaction of the obligation in any Court by reason of the Borrower’s or Grantor’s default on the obligation secured by the Deed of Trust/Mortgage.
III.
The default(s) for which this foreclosure is made is/are as follows: Failure to pay when due the follo wing amounts which are now in arrears: $299,776.48
IV.
The sum owing on the obligation secured by the Deed of Trust is: The principal sum of $335,087.69 , together with interest as provided in the Note from 12/1/2008 on, and such other costs and fees as are provided by statute.
V.
The above-described real property will be sold to satisfy the expense of sale and the obligation secured by the Deed of Trust as provided by statute. Said sale will be made without warranty, expressed or implied, regarding title, possession or encumbrances on 1/8/2016 . The defaults referred to in Paragraph III must be cured by 12/28/2015 (11 days before the sale date) to cause a discontinuance of the sale. The sale will be discontinued and terminated if at any time before 12/28/2015 (11 days before the sale) the default as set forth in Paragraph III is cured and the Trustee’s fees and costs are paid. Payment must be in cash or with cashiers or certified checks from a State or federally chartered bank. The sale may be terminated any time after the 12/28/2015 (11 days before the sale date) and before the sale, by the Borrower or Grantor or the holder of any recorded junior lien or encumbrance by paying the principal and interest, plus costs, fees and advances, if any, made pursuant to the terms of the obligation and/or Deed of Trust, and curing all other defaults.
VI.
A written Notice of Default was transmitted by the Beneficiary or Trustee to the Borrower and Grantor at the following address( es ): NAME ALVIN B. WHITE, AS HIS SOLE AND SEPARATE PROPERTY ADDRESS 380 CAIN LAKE ROAD, SEDRO WOOLLEY, WA 98284 by both first class and certified mail, proof of which is in the possession of the Trustee; and the Borrower and Grantor were personally served, if applicable, with said written Notice of Default or the written Notice of Default was posted in a conspicuous place on the real property described in Paragraph I above, and the Trustee has possession of proof of such service or posting. These requirements were completed as of 10/4/2012 .
VII.
The Trustee whose name and address are set forth below will provide in writing to anyone requesting it, a statement of all costs and fees due at any time prior to the sale.
VIII.
The effect of the sale will be to deprive the Grantor and all those who hold by, through or under the Grantor of all their interest in the above-described property.
IX.
Anyone having any objections to this sale on any grounds whatsoever will be afforded an opportunity to be heard as to those objections if they bring a lawsuit to restrain the sale pursuant to RCW 61.24.130. Failure to bring such a lawsuit may result in a waiver of any proper grounds for invalidating the Trustee’s sale. NOTICE TO OCCUPANTS OR TENANTS – The purchaser at the Trustee’s Sale is entitled to possession of the property on the 20 th day following the sale, as against the Grantor under the deed of trust (the owner) and anyone having an interest junior to the deed of trust, including occupants who are not tenants. After the 20 th day following the sale the purchaser has the right to evict occupants who are not tenants by summary proceedings under Chapter 59.12 RCW. For tenant-occupied property, the purchaser shall provide a tenant with written notice in accordance with RCW 61.24.060. THIS NOTICE IS THE FINAL STEP BEFORE THE FORECLOSURE SALE OF YOUR HOME. You have only 20 DAYS from the recording date of this notice to pursue mediation. DO NOT DELAY. CONTACT A HOUSING COUNSELOR OR AN ATTORNEY LICENSED IN WASHINGTON NOW to assess your situation and refer you to mediation if you are eligible and it may help you save your home. See below for safe sources of help. SEEKING ASSISTANCE Housing counselors and legal assistance may be available at little or no cost to you. If you would like assistance in determining your rights and opportunities to keep your house, you may contact the following: The statewide foreclosure hotline for assistance and referral to housing counselors recommended by the Housing Finance Commission: Toll-free: 1-877-894-HOME (1-877-894-4663) or Web site: http://www.dfi.wa.gov/consumers/homeownership/post_purchase_counselors_foreclosure.htm . The United States Department of Housing and Urban Development: Toll-free: 1-800-569-4287 or National Web Site: http://portal.hud.gov/hudportal/HUD or for Local counseling agencies in Washington: http://www.hud.gov/offices/hsg/sfh/hcc/fc/index.cfm?webListAction=search&searchstate=WA&filterSvc=dfc The statewide civil legal aid hotline for assistance and referrals to other housing counselors and attorneys: Telephone: 1-800-606-4819 or Web site: http://nwjustice.org/what-clear . If the sale is set aside for any reason, including if the Trustee is unable to convey title, the Purchaser at the sale shall be entitled only to a return of the monies paid to the Trustee. This shall be the Purchaser’s sole and exclusive remedy. The purchaser shall have no further recourse against the Trustor, the Trustee, the Beneficiary, the Beneficiary’s Agent, or the Beneficiary’s Attorney. If you have previously been discharged through bankruptcy, you may have been released of personal liability for this loan in which case this letter is intended to exercise the note holders right’s against the real property only. QUALITY MAY BE CONSIDERED A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBTAND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit report agency if you fail to fulfill the terms of your credit obligations. Dated: 8/27/2015 Quality Loan Service Corp. of Washington, as Trustee By: Lauren Esquivel, Assistant Secretary Trustee’s Mailing Address: Quality Loan Service Corp. of Washington C/O Quality Loan Service Corp. 411 Ivy Street, San Diego, CA 92101 (866) 645-7711 Trustee’s Physical Address: Quality Loan Service Corp. of Washington 108 1 st Ave South, Suite 202 Seattle, WA 98104 (866) 925-0241 Sale Line: 916.939.0772 Or Login to: http://wa.qualityloan.com TS No.: WA-09-245352-SH IDSPub #0090105 12/9/2015 12/30/2015
Published by Ferndale Record
December 9 and 30, 2015.
LEGAL
NOTICE OF TRUSTEE’S SALE Pursuant to the Revised Code of Washington 61.24, et seq. TS No.: WA-15-677232-SW APN No.: 3801044851060000 Title Order No.: 150177006-WA-MSI Deed of Trust Grantor(s): HEATHER LYNN DODD, TERRY J. DODD Deed of Trust Grantee(s): MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR HOMEFIELD FINANCIAL, INC., Deed of Trust Instrument/Reference No.: 2061001589
I.
NOTICE IS HEREBY GIVEN that Quality Loan Service Corp. of Washington, the undersigned Trustee, will on 1/29/2016 , at 10:00 AM at the main entrance to the Whatcom County Courthouse, 311 Grand Avenue, Bellingham, WA sell at public auction to the highest and best bidder, payable in the form of credit bid or cash bid in the form of cashier’s check or certified checks from federally or State chartered banks, at the time of sale the following described real property, situated in the County of WHATCOM, State of Washington, to-wit: LOTS 14 AND 15, BLOCK 7, SANDY POINT HEIGHTS, AS PER THE MAP THEREOF, RECORDED IN VOLUME 9 OF PLATS, PAGES 145 THROUGH 148, INCLUSIVE, RECORDS OF THE AUDITOR’S OFFICE OF WHATCOM COUNTY, WASHINGTON. SITUATE IN WHATCOM COUNTY, WASHINGTON A.P.N.: 3801044851060000 More commonly known as: 4588 DECATUR DRIVE, FERNDALE, WA 98248 which is subject to that certain Deed of Trust dated 10/5/2006, recorded 10/11/2006, under 2061001589 records of WHATCOM County, Washington , from TERRY J. DODD AND HEATHER LYNN DODD, HUSBAND AND WIFE , as Grantor(s), to CHICAGO TITLE INSURANCE CO (LSI) , as Trustee, to secure an obligation in favor of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR HOMEFIELD FINANCIAL, INC., , as Beneficiary, the beneficial interest in which was assigned by MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR HOMEFIELD FINANCIAL, INC., (or by its successors-in-interest and/or assigns, if any), to Wilmington Trust, NA, successor trustee to Citibank, N.A., as Trustee f/b/o holders of Structured Asset Mortgage Investments II Inc., Bear Stearns ALT-A Trust 2006-8, Mortgage Pass-Through Certificates, Series 2006-8 .
II.
No action commenced by the Beneficiary of the Deed of Trust is now pending to seek satisfaction of the obligation in any Court by reason of the Borrower’s or Grantor’s default on the obligation secured by the Deed of Trust/Mortgage.
III.
The default(s) for which this foreclosure is made is/are as follows: Failure to pay when due the follo wing amounts which are now in arrears: $26,764.28
IV.
The sum owing on the obligation secured by the Deed of Trust is: The principal sum of $179,561.88 , together with interest as provided in the Note from 6/1/2013 on, and such other costs and fees as are provided by statute.
V.
The above-described real property will be sold to satisfy the expense of sale and the obligation secured by the Deed of Trust as provided by statute. Said sale will be made without warranty, expressed or implied, regarding title, possession or encumbrances on 1/29/2016 . The defaults referred to in Paragraph III must be cured by 1/18/2016 (11 days before the sale date) to cause a discontinuance of the sale. The sale will be discontinued and terminated if at any time before 1/18/2016 (11 days before the sale) the default as set forth in Paragraph III is cured and the Trustee’s fees and costs are paid. Payment must be in cash or with cashiers or certified checks from a State or federally chartered bank. The sale may be terminated any time after the 1/18/2016 (11 days before the sale date) and before the sale, by the Borrower or Grantor or the holder of any recorded junior lien or encumbrance by paying the principal and interest, plus costs, fees and advances, if any, made pursuant to the terms of the obligation and/or Deed of Trust, and curing all other defaults.
VI.
A written Notice of Default was transmitted by the Beneficiary or Trustee to the Borrower and Grantor at the following address( es ): NAME TERRY J. DODD AND HEATHER LYNN DODD, HUSBAND AND WIFE ADDRESS 4588 DECATUR DRIVE, FERNDALE, WA 98248 by both first class and certified mail, proof of which is in the possession of the Trustee; and the Borrower and Grantor were personally served, if applicable, with said written Notice of Default or the written Notice of Default was posted in a conspicuous place on the real property described in Paragraph I above, and the Trustee has possession of proof of such service or posting. These requirements were completed as of 7/23/2015 .
VII.
The Trustee whose name and address are set forth below will provide in writing to anyone requesting it, a statement of all costs and fees due at any time prior to the sale.
VIII.
The effect of the sale will be to deprive the Grantor and all those who hold by, through or under the Grantor of all their interest in the above-described property.
IX.
Anyone having any objections to this sale on any grounds whatsoever will be afforded an opportunity to be heard as to those objections if they bring a lawsuit to restrain the sale pursuant to RCW 61.24.130. Failure to bring such a lawsuit may result in a waiver of any proper grounds for invalidating the Trustee’s sale. NOTICE TO OCCUPANTS OR TENANTS – The purchaser at the Trustee’s Sale is entitled to possession of the property on the 20 th day following the sale, as against the Grantor under the deed of trust (the owner) and anyone having an interest junior to the deed of trust, including occupants who are not tenants. After the 20 th day following the sale the purchaser has the right to evict occupants who are not tenants by summary proceedings under Chapter 59.12 RCW. For tenant-occupied property, the purchaser shall provide a tenant with written notice in accordance with RCW 61.24.060. THIS NOTICE IS THE FINAL STEP BEFORE THE FORECLOSURE SALE OF YOUR HOME. You have only 20 DAYS from the recording date of this notice to pursue mediation. DO NOT DELAY. CONTACT A HOUSING COUNSELOR OR AN ATTORNEY LICENSED IN WASHINGTON NOW to assess your situation and refer you to mediation if you are eligible and it may help you save your home. See below for safe sources of help. SEEKING ASSISTANCE Housing counselors and legal assistance may be available at little or no cost to you. If you would like assistance in determining your rights and opportunities to keep your house, you may contact the following: The statewide foreclosure hotline for assistance and referral to housing counselors recommended by the Housing Finance Commission: Toll-free: 1-877-894-HOME (1-877-894-4663) or Web site: http://www.dfi.wa.gov/consumers/homeownership/post_purchase_counselors_foreclosure.htm . The United States Department of Housing and Urban Development: Toll-free: 1-800-569-4287 or National Web Site: http://portal.hud.gov/hudportal/HUD or for Local counseling agencies in Washington: http://www.hud.gov/offices/hsg/sfh/hcc/fc/index.cfm?webListAction=search&searchstate=WA&filterSvc=dfc The statewide civil legal aid hotline for assistance and referrals to other housing counselors and attorneys: Telephone: 1-800-606-4819 or Web site: http://nwjustice.org/what-clear . If the sale is set aside for any reason, including if the Trustee is unable to convey title, the Purchaser at the sale shall be entitled only to a return of the monies paid to the Trustee. This shall be the Purchaser’s sole and exclusive remedy. The purchaser shall have no further recourse against the Trustor, the Trustee, the Beneficiary, the Beneficiary’s Agent, or the Beneficiary’s Attorney. If you have previously been discharged through bankruptcy, you may have been released of personal liability for this loan in which case this letter is intended to exercise the note holders right’s against the real property only. QUALITY MAY BE CONSIDERED A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBTAND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit report agency if you fail to fulfill the terms of your credit obligations. Dated: 9/25/2015 Quality Loan Service Corp. of Washington, as Trustee By: Christina Contreras, Assistant Secretary Trustee’s Mailing Address: Quality Loan Service Corp. of Washington C/O Quality Loan Service Corp. 411 Ivy Street, San Diego, CA 92101 (866) 645-7711 Trustee’s Physical Address: Quality Loan Service Corp. of Washington 108 1 st Ave South, Suite 202 Seattle, WA 98104 (866) 925-0241 Sale Line: 916.939.0772 Or Login to: http://wa.qualityloan.com TS No.: WA-15-677232-SW IDSPub #0092088 12/30/2015 1/20/2016
Published by Ferndale Record December 30, 2015 and January 20, 2016.
LEGAL
NOTICE OF TRUSTEE’S SALE Pursuant to the Revised Code of Washington 61.24, et seq. TS No.: WA-13-590891-SH APN No.: 380320 147346 0000 Title Order No.: 130172979-WA-MSI Deed of Trust Grantor(s): ROBERT N. EDKINS, REBECCA L. EDKINS Deed of Trust Grantee(s): MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS NOMINEE FOR MIT LENDING Deed of Trust Instrument/Reference No.: 2050300930
I.
NOTICE IS HEREBY GIVEN that Quality Loan Service Corp. of Washington, the undersigned Trustee, will on 1/29/2016 , at 10:00 AM at the main entrance to the Whatcom County Courthouse, 311 Grand Avenue, Bellingham, WA sell at public auction to the highest and best bidder, payable in the form of credit bid or cash bid in the form of cashier’s check or certified checks from federally or State chartered banks, at the time of sale the following described real property, situated in the County of WHATCOM, State of Washington, to-wit: LOTS 19 AND 20, BLOCK 372, FIRST ADDITION TO THE TOWN OF NEW WHATCOM, ACCORDING TO THE PLAT THEREOF, RECORDED IN VOLUME 2 OF PLATS, PAGE(S) 36, RECORDS OF WHATCOM COUNTY, WASHINGTON. TOGETHER WITH THE VACATED EAST HALF OF THE ALLEY ABUTTING SAID PREMISES, AS VACATED IN ORDINANCE NO. 12, AS WOULD ATTACH ACCORDING TO THE OPERATION OF LAW. More commonly known as: 2927 ORLEANS STREET, BELLINGHAM, WA 98226 which is subject to that certain Deed of Trust dated 2/25/2005, recorded 3/7/2005, under 2050300930 records of WHATCOM County, Washington , from ROBERT N. EDKINS AND REBECCA L. EDKINS, HUSBAND AND WIFE , as Grantor(s), to STEWART , as Trustee, to secure an obligation in favor of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS NOMINEE FOR MIT LENDING , as Beneficiary, the beneficial interest in which was assigned by MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS NOMINEE FOR MIT LENDING (or by its successors-in-interest and/or assigns, if any), to The Bank of New York Mellon Corporation as Trustee for Specialty Underwriting and Residential Finance Trust, Series 2005-BC3 .
II.
No action commenced by the Beneficiary of the Deed of Trust is now pending to seek satisfaction of the obligation in any Court by reason of the Borrower’s or Grantor’s default on the obligation secured by the Deed of Trust/Mortgage.
III.
The default(s) for which this foreclosure is made is/are as follows: Failure to pay when due the follo wing amounts which are now in arrears: $92,181.04
IV.
The sum owing on the obligation secured by the Deed of Trust is: The principal sum of $163,631.45 , together with interest as provided in the Note from 5/1/2010 on, and such other costs and fees as are provided by statute.
V.
The above-described real property will be sold to satisfy the expense of sale and the obligation secured by the Deed of Trust as provided by statute. Said sale will be made without warranty, expressed or implied, regarding title, possession or encumbrances on 1/29/2016 . The defaults referred to in Paragraph III must be cured by 1/18/2016 (11 days before the sale date) to cause a discontinuance of the sale. The sale will be discontinued and terminated if at any time before 1/18/2016 (11 days before the sale) the default as set forth in Paragraph III is cured and the Trustee’s fees and costs are paid. Payment must be in cash or with cashiers or certified checks from a State or federally chartered bank. The sale may be terminated any time after the 1/18/2016 (11 days before the sale date) and before the sale, by the Borrower or Grantor or the holder of any recorded junior lien or encumbrance by paying the principal and interest, plus costs, fees and advances, if any, made pursuant to the terms of the obligation and/or Deed of Trust, and curing all other defaults.
VI.
A written Notice of Default was transmitted by the Beneficiary or Trustee to the Borrower and Grantor at the following address(es): NAME ROBERT N. EDKINS AND REBECCA L. EDKINS, HUSBAND AND WIFE ADDRESS 2927 ORLEANS STREET, BELLINGHAM, WA 98226 by both first class and certified mail, proof of which is in the possession of the Trustee; and the Borrower and Grantor were personally served, if applicable, with said written Notice of Default or the written Notice of Default was posted in a conspicuous place on the real property described in Paragraph I above, and the Trustee has possession of proof of such service or posting. These requirements were completed as of 8/19/2015 .
VII.
The Trustee whose name and address are set forth below will provide in writing to anyone requesting it, a statement of all costs and fees due at any time prior to the sale.
VIII.
The effect of the sale will be to deprive the Grantor and all those who hold by, through or under the Grantor of all their interest in the above-described property.
IX.
Anyone having any objections to this sale on any grounds whatsoever will be afforded an opportunity to be heard as to those objections if they bring a lawsuit to restrain the sale pursuant to RCW 61.24.130. Failure to bring such a lawsuit may result in a waiver of any proper grounds for invalidating the Trustee’s sale. NOTICE TO OCCUPANTS OR TENANTS – The purchaser at the Trustee’s Sale is entitled to possession of the property on the 20 th day following the sale, as against the Grantor under the deed of trust (the owner) and anyone having an interest junior to the deed of trust, including occupants who are not tenants. After the 20 th day following the sale the purchaser has the right to evict occupants who are not tenants by summary proceedings under Chapter 59.12 RCW. For tenant-occupied property, the purchaser shall provide a tenant with written notice in accordance with RCW 61.24.060. THIS NOTICE IS THE FINAL STEP BEFORE THE FORECLOSURE SALE OF YOUR HOME. You have only 20 DAYS from the recording date of this notice to pursue mediation. DO NOT DELAY. CONTACT A HOUSING COUNSELOR OR AN ATTORNEY LICENSED IN WASHINGTON NOW to assess your situation and refer you to mediation if you are eligible and it may help you save your home. See below for safe sources of help. SEEKING ASSISTANCE Housing counselors and legal assistance may be available at little or no cost to you. If you would like assistance in determining your rights and opportunities to keep your house, you may contact the following: The statewide foreclosure hotline for assistance and referral to housing counselors recommended by the Housing Finance Commission: Toll-free: 1-877-894-HOME (1-877-894-4663) or Web site: http://www.dfi.wa.gov/consumers/homeownership/post_purchase_counselors_foreclosure.htm . The United States Department of Housing and Urban Development: Toll-free: 1-800-569-4287 or National Web Site: http://portal.hud.gov/hudportal/HUD or for Local counseling agencies in Washington: http://www.hud.gov/offices/hsg/sfh/hcc/fc/index.cfm?webListAction=search&searchstate=WA&filterSvc=dfc The statewide civil legal aid hotline for assistance and referrals to other housing counselors and attorneys: Telephone: 1-800-606-4819 or Web site: http://nwjustice.org/what-clear . If the sale is set aside for any reason, including if the Trustee is unable to convey title, the Purchaser at the sale shall be entitled only to a return of the monies paid to the Trustee. This shall be the Purchaser’s sole and exclusive remedy. The purchaser shall have no further recourse against the Trustor, the Trustee, the Beneficiary, the Beneficiary’s Agent, or the Beneficiary’s Attorney. If you have previously been discharged through bankruptcy, you may have been released of personal liability for this loan in which case this letter is intended to exercise the note holders right’s against the real property only. QUALITY MAY BE CONSIDERED A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBTAND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit report agency if you fail to fulfill the terms of your credit obligations. Dated: 9/25/2015 Quality Loan Service Corp. of Washington, as Trustee By: Christina Contreras, Assistant Secretary Trustee’s Mailing Address: Quality Loan Service Corp. of Washington C/O Quality Loan Service Corp. 411 Ivy Street, San Diego, CA 92101 (866) 645-7711 Trustee’s Physical Address: Quality Loan Service Corp. of Washington 108 1 st Ave South, Suite 202 Seattle, WA 98104 (866) 925-0241 Sale Line: 916.939.0772 Or Login to: http://wa.qualityloan.com TS No.: WA-13-590891-SH IDSPub #0092136 12/30/2015 1/20/2016
Published by Ferndale Record December 30, 2015 and January 20, 2016.
LEGAL
File No.: Trustee: 7886.25923 Northwest Trustee Services, Inc. Grantors: Roxanne Joline Ellis, as her separate estate Grantee: PNC Bank, National Association Ref to DOT Auditor File No.: 2110900659 Tax Parcel ID No.: 114805/4001073885200000 Abbreviated Legal: LT 13, WILSON AVENUE ESTATES REC NO. 2080503578, WHATCOM CO WA Notice of Trustee’s Sale Pursuant to the Revised Code of Washington 61.24, et seq. THIS NOTICE IS THE FINAL STEP BEFORE THE FORECLOSURE SALE OF YOUR HOME You have only 20 DAYS from the recording date of this notice to pursue mediation. DO NOT DELAY. CONTACT A HOUSING COUNSELOR OR AN ATTORNEY LICENSED IN WASHINGTON NOW to assess your situation and refer you to mediation if you are eligible and it may help you save your home. See below for safe sources of help. SEEKING ASSISTANCE Housing counselors and legal assistance may be available at little or no cost to you. If you would like assistance in determining your rights and opportunities to keep your house, you may contact the following: The statewide foreclosure hotline for assistance and referral to housing counselors recommended by the Housing Finance Commission Telephone: Toll-free: 1-877-894-HOME (1-877-894-4663). Web site: http://www.dfi.wa.gov/consumers/homeownership/post_purchase_counselors_foreclosure.htm The United States Department of Housing and Urban Development Telephone: Toll-free: 1-800-569-4287. Web site: http://www.hud.gov/offices/hsg/sfh/hcc/fc/index.cfm?webListAction=search&searchstate=WA&filterSvc=dfc The statewide civil legal aid hotline for assistance and referrals to other housing counselors and attorneys Telephone: Toll-free: 1-800-606-4819. Web site: http://nwjustice.org/what-clear.
I.
On January 29, 2016, at 10:00 AM. inside the main lobby of the Whatcom County Courthouse, 311 Grand Avenue in the City of Bellingham, State of Washington, the undersigned Trustee (subject to any conditions imposed by the Trustee) will sell at public auction to the highest and best bidder, payable at time of sale, the following described real property “Property”, situated in the County(ies) of WHATCOM, State of Washington: Lot 13, Plat of Wilson Avenue Estates, according to the plat thereof, recorded May 27, 2008, under Auditor’s File No. 2080503578, records of Whatcom County, Washington. Situate in Whatcom County, Washington Commonly known as: 1398 Wilson Avenue Blaine, WA 98230 which is subject to that certain Deed of Trust dated 09/08/11, recorded on 09/09/11, under Auditor’s File No. 2110900659, records of WHATCOM County, Washington, from Roxanne Joline Ellis, an unmarried person, as Grantor, to Chicago Title Company, as Trustee, to secure an obligation “Obligation” in favor of Mortgage Electronic Registration Systems, Inc. solely as nominee for RBC Bank (USA), its successors and assigns, as Beneficiary, the beneficial interest in which was assigned by Mortgage Electronic Registration Systems, Inc. (“MERS”), as designated nominee for RBC Bank (USA), beneficiary of the Security Instrument, its successors and assigns to PNC Bank, National Association, under an Assignment/Successive Assignments recorded under Auditor’s File No. 2141202738. *The Tax Parcel ID number and Abbreviated Legal Description are provided solely to comply with the recording statutes and are not intended to supplement, amend or supersede the Property’s full legal description provided herein.
II.
No action commenced by the Beneficiary of the Deed of Trust is now pending to seek satisfaction of the Obligation in any Court by reason of the Grantor’s or Borrower’s default on the Obligation secured by the Deed of Trust.
III.
The Beneficiary alleges default of the Deed of Trust for failure to pay the following amounts now in arrears and/or other defaults: Amount due to reinstate as of 09/15/2015. If reinstating after this date, please contact NWTS for the exact reinstatement amount. Monthly Payments $13,887.12 Late Charges $504.84 Total Arrearage $14,391.96 Trustee’s Expenses (Itemization) Trustee’s Fee $375.00 Total Costs $375.00 Total Amount Due: $14,766.96 Other known defaults as follows:
IV.
The sum owing on the Obligation is: Principal Balance of $141,744.69, together with interest as provided in the note or other instrument evidencing the Obligation from 06/01/14, and such other costs and fees as are due under the Obligation, and as are provided by statute.
V.
The Property will be sold to satisfy the expense of sale and the Obligation as provided by statute. The sale will be made without representation or warranty, express or implied regarding title, possession, encumbrances or condition of the Property on January 29, 2016. The default(s) referred to in paragraph III, together with any subsequent payments, late charges, advances costs and fees thereafter due, must be cured by 01/18/16 (11 days before the sale date), to cause a discontinuance of the sale. The sale will be discontinued and terminated if at any time before 01/18/16 (11 days before the sale date), the default(s) as set forth in paragraph III, together with any subsequent payments, late charges, advances, costs and fees thereafter due, is/are cured and the Trustee’s fees and costs are paid. The sale may be terminated any time after 01/18/16 (11 days before the sale date), and before the sale by the Borrower, Grantor, any Guarantor or the holder of any recorded junior lien or encumbrance paying the entire balance of principal and interest secured by the Deed of Trust, plus costs, fees, and advances, if any made pursuant to the terms of the obligation and/or Deed of Trust, and curing all other defaults.
VI.
A written notice of default was transmitted by the Beneficiary or Trustee to the Borrower and Grantor at the following address(es): NAME AND ADDRESS Roxanne Joline Ellis 1398 Wilson Avenue Blaine, WA 98230 Unknown Spouse and/or Domestic Partner of Roxanne Joline Ellis 1398 Wilson Avenue Blaine, WA 98230 Roxanne Joline Ellis PO Box 28554 Burnaby, BC V5C 6J4 CANADA Unknown Spouse and/or Domestic Partner of Roxanne Joline Ellis PO Box 28554 Burnaby, BC V5C 6J4, CANADA by both first class and certified mail, return receipt requested on 02/27/15, proof of which is in the possession of the Trustee; and on 02/26/15 Grantor and Borrower were personally served with said written notice of default or the written notice of default was posted on a conspicuous place on the real property described in paragraph I above, and the Trustee has possession of proof of such service or posting.
VII.
The Trustee, whose name and address are set forth below, will provide in writing to anyone requesting it a statement of all costs and trustee’s fees due at any time prior to the sale.
VIII.
The effect of the sale will be to deprive the Grantor and all those who hold by, through or under the Grantor of all their interest in the Property.
IX.
Anyone having any objection to the sale on any grounds whatsoever will be afforded an opportunity to be heard as to those objections if they bring a lawsuit to restrain the sale pursuant to RCW 61.24.130. Failure to bring such a lawsuit may result in a waiver of any proper grounds for invalidating the Trustee’s sale.
X.
NOTICE TO OCCUPANTS OR TENANTS – The purchaser at the Trustee’s Sale is entitled to possession of the property on the 20th day following the sale, as against the Grantor under the Deed of Trust (the owner) and anyone having an interest junior to the Deed of Trust, including occupants who are not tenants. After the 20th day following the sale the purchaser has the right to evict occupants who are not tenants by summary proceedings under Chapter 59.12 RCW. For tenant-occupied property, the purchaser shall provide a tenant with written notice in accordance with RCW 61.24.060. The trustee’s rules of auction may be accessed at www.northwesttrustee.com and are incorporated by this reference. You may also access sale status at www.northwesttrustee.com and www.USA-Foreclosure.com. Date Executed: Northwest Trustee Services, Inc., Trustee Authorized Signature 13555 SE 36th St. Suite 100 Bellevue, WA 98006 Contact: Breanon Miller (425) 586-1900. Ellis, Roxanne Jolene (TS# 7886.25923) 1002.278446-File No.
Published by Ferndale Record December 30, 2015 and January 20, 2016.
LEGAL
NOTICE OF TRUSTEE’S SALE Pursuant to the Revised Code of Washington 61.24, et seq. TS No.: WA-15-679809-SW APN No.: 400131 255117 0000 Title Order No.: 150194573-WA-MSI Deed of Trust Grantor(s): PAUL O MILLER Deed of Trust Grantee(s): WELLS FARGO BANK, N.A. Deed of Trust Instrument/Reference No.: 2091100282
I.
NOTICE IS HEREBY GIVEN that Quality Loan Service Corp. of Washington, the undersigned Trustee, will on 1/29/2016 , at 10:00 AM at the main entrance to the Whatcom County Courthouse, 311 Grand Avenue, Bellingham, WA sell at public auction to the highest and best bidder, payable in the form of credit bid or cash bid in the form of cashier’s check or certified checks from federally or State chartered banks, at the time of sale the following described real property, situated in the County of WHATCOM, State of Washington, to-wit: LOT 84, PLAT OF BAY-CREST SOUTH, ACCORDING TO THE PLAT THEREOF, RECORDED DECEMBER 12, 2005, UNDER AUDITOR’S FILE NO. 2051201932, RECORDS OF WHATCOM COUNTY, WASHINGTON. SITUATE IN WHATCOM COUNTY, WASHINGTON. More commonly known as: 7382 YELLOW FIN CRT, BLAINE, WA 98230 which is subject to that certain Deed of Trust dated 11/2/2009, recorded 11/3/2009, under 2091100282 records of WHATCOM County, Washington , from PAUL O MILLER, A SINGLE PERSON , as Grantor(s), to NORTHWEST TRUSTEE SERVICES LLC , as Trustee, to secure an obligation in favor of WELLS FARGO BANK, N.A. , as Beneficiary, the beneficial interest in which was assigned by WELLS FARGO BANK, N.A. (or by its successors-in-interest and/or assigns, if any), to Wells Fargo Bank, NA .
II.
No action commenced by the Beneficiary of the Deed of Trust is now pending to seek satisfaction of the obligation in any Court by reason of the Borrower’s or Grantor’s default on the obligation secured by the Deed of Trust/Mortgage.
III.
The default(s) for which this foreclosure is made is/are as follows: Failure to pay when due the follo wing amounts which are now in arrears: $11,406.59
IV.
The sum owing on the obligation secured by the Deed of Trust is: The principal sum of $177,303.77 , together with interest as provided in the Note from 2/1/2015 on, and such other costs and fees as are provided by statute.
V.
The above-described real property will be sold to satisfy the expense of sale and the obligation secured by the Deed of Trust as provided by statute. Said sale will be made without warranty, expressed or implied, regarding title, possession or encumbrances on 1/29/2016 . The defaults referred to in Paragraph III must be cured by 1/18/2016 (11 days before the sale date) to cause a discontinuance of the sale. The sale will be discontinued and terminated if at any time before 1/18/2016 (11 days before the sale) the default as set forth in Paragraph III is cured and the Trustee’s fees and costs are paid. Payment must be in cash or with cashiers or certified checks from a State or federally chartered bank. The sale may be terminated any time after the 1/18/2016 (11 days before the sale date) and before the sale, by the Borrower or Grantor or the holder of any recorded junior lien or encumbrance by paying the principal and interest, plus costs, fees and advances, if any, made pursuant to the terms of the obligation and/or Deed of Trust, and curing all other defaults.
VI.
A written Notice of Default was transmitted by the Beneficiary or Trustee to the Borrower and Grantor at the following address(es): NAME PAUL O MILLER, A SINGLE PERSON ADDRESS 7382 YELLOW FIN CRT, BLAINE, WA 98230 by both first class and certified mail, proof of which is in the possession of the Trustee; and the Borrower and Grantor were personally served, if applicable, with said written Notice of Default or the written Notice of Default was posted in a conspicuous place on the real property described in Paragraph I above, and the Trustee has possession of proof of such service or posting. These requirements were completed as of 8/20/2015 .
VII.
The Trustee whose name and address are set forth below will provide in writing to anyone requesting it, a statement of all costs and fees due at any time prior to the sale.
VIII.
The effect of the sale will be to deprive the Grantor and all those who hold by, through or under the Grantor of all their interest in the above-described property.
IX.
Anyone having any objections to this sale on any grounds whatsoever will be afforded an opportunity to be heard as to those objections if they bring a lawsuit to restrain the sale pursuant to RCW 61.24.130. Failure to bring such a lawsuit may result in a waiver of any proper grounds for invalidating the Trustee’s sale. NOTICE TO OCCUPANTS OR TENANTS – The purchaser at the Trustee’s Sale is entitled to possession of the property on the 20 th day following the sale, as against the Grantor under the deed of trust (the owner) and anyone having an interest junior to the deed of trust, including occupants who are not tenants. After the 20 th day following the sale the purchaser has the right to evict occupants who are not tenants by summary proceedings under Chapter 59.12 RCW. For tenant-occupied property, the purchaser shall provide a tenant with written notice in accordance with RCW 61.24.060. THIS NOTICE IS THE FINAL STEP BEFORE THE FORECLOSURE SALE OF YOUR HOME. You have only 20 DAYS from the recording date of this notice to pursue mediation. DO NOT DELAY. CONTACT A HOUSING COUNSELOR OR AN ATTORNEY LICENSED IN WASHINGTON NOW to assess your situation and refer you to mediation if you are eligible and it may help you save your home. See below for safe sources of help. SEEKING ASSISTANCE Housing counselors and legal assistance may be available at little or no cost to you. If you would like assistance in determining your rights and opportunities to keep your house, you may contact the following: The statewide foreclosure hotline for assistance and referral to housing counselors recommended by the Housing Finance Commission: Toll-free: 1-877-894-HOME (1-877-894-4663) or Web site: http://www.dfi.wa.gov/consumers/homeownership/post_purchase_counselors_foreclosure.htm . The United States Department of Housing and Urban Development: Toll-free: 1-800-569-4287 or National Web Site: http://portal.hud.gov/hudportal/HUD or for Local counseling agencies in Washington: http://www.hud.gov/offices/hsg/sfh/hcc/fc/index.cfm?webListAction=search&searchstate=WA&filterSvc=dfc The statewide civil legal aid hotline for assistance and referrals to other housing counselors and attorneys: Telephone: 1-800-606-4819 or Web site: http://nwjustice.org/what-clear . If the sale is set aside for any reason, including if the Trustee is unable to convey title, the Purchaser at the sale shall be entitled only to a return of the monies paid to the Trustee. This shall be the Purchaser’s sole and exclusive remedy. The purchaser shall have no further recourse against the Trustor, the Trustee, the Beneficiary, the Beneficiary’s Agent, or the Beneficiary’s Attorney. If you have previously been discharged through bankruptcy, you may have been released of personal liability for this loan in which case this letter is intended to exercise the note holders right’s against the real property only. QUALITY MAY BE CONSIDERED A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBTAND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit report agency if you fail to fulfill the terms of your credit obligations. Dated: 9/25/2015 Quality Loan Service Corp. of Washington, as Trustee By: Tricia Moreno, Assistant Secretary Trustee’s Mailing Address: Quality Loan Service Corp. of Washington C/O Quality Loan Service Corp. 411 Ivy Street, San Diego, CA 92101 (866) 645-7711 Trustee’s Physical Address: Quality Loan Service Corp. of Washington 108 1 st Ave South, Suite 202 Seattle, WA 98104 (866) 925-0241 Sale Line: 916.939.0772 Or Login to: http://wa.qualityloan.com TS No.: WA-15-679809-SW IDSPub #0092388 12/30/2015 1/20/2016
Published by Ferndale Record December 30, 2015 and January 20, 2016.
LEGAL
File No.: Trustee: 7724.20031 Northwest Trustee Services, Inc. Grantors: Jeffrey Thomas Zabel and Katie Lynn Zabel, who acquired title as Jeffrey Zabel and Katie Zabel, also appearing of record as Jeffrey T. Zabel and Katie L. Zabel, husband and wife Grantee: Peoples Bank Ref to DOT Auditor File No.: 2121202752 Tax Parcel ID No.: 390124-500423-000 PID 88200 Abbreviated Legal: LOT 21, LARSEN’S CHURCH HILL ESTATES, 2080800257, WHATCOM CO., WA. Notice of Trustee’s Sale Pursuant to the Revised Code of Washington 61.24, et seq. THIS NOTICE IS THE FINAL STEP BEFORE THE FORECLOSURE SALE OF YOUR HOME You have only 20 DAYS from the recording date of this notice to pursue mediation. DO NOT DELAY. CONTACT A HOUSING COUNSELOR OR AN ATTORNEY LICENSED IN WASHINGTON NOW to assess your situation and refer you to mediation if you are eligible and it may help you save your home. See below for safe sources of help. SEEKING ASSISTANCE Housing counselors and legal assistance may be available at little or no cost to you. If you would like assistance in determining your rights and opportunities to keep your house, you may contact the following: The statewide foreclosure hotline for assistance and referral to housing counselors recommended by the Housing Finance Commission Telephone: Toll-free: 1-877-894-HOME (1-877-894-4663). Web site: http://www.dfi.wa.gov/consumers/homeownership/post_purchase_counselors_foreclosure.htm The United States Department of Housing and Urban Development Telephone: Toll-free: 1-800-569-4287. Web site: http://www.hud.gov/offices/hsg/sfh/hcc/fc/index.cfm?webListAction=search&searchstate=WA&filterSvc=dfc The statewide civil legal aid hotline for assistance and referrals to other housing counselors and attorneys Telephone: Toll-free: 1-800-606-4819. Web site: http://nwjustice.org/what-clear.
I.
On January 29, 2016, at 10:00 AM. inside the main lobby of the Whatcom County Courthouse, 311 Grand Avenue in the City of Bellingham, State of Washington, the undersigned Trustee (subject to any conditions imposed by the Trustee) will sell at public auction to the highest and best bidder, payable at time of sale, the following described real property “Property”, situated in the County(ies) of Whatcom, State of Washington: Lot 21, Larsen’s Church Hill Estates, according to the plat thereof, recorded August 4, 2008, under Whatcom County Auditor’s File No. 2080800257, records of Whatcom County, Washington. Situate in County of Whatcom , Washington. Commonly known as: 5987 Louis Court Ferndale, WA 98248 which is subject to that certain Deed of Trust dated 12/17/12, recorded on 12/18/12, under Auditor’s File No. 2121202752, records of Whatcom County, Washington, from Jeffrey T. Zabel and Katie L. Zabel, Husband and Wife, as Grantor, to Chicago Title Insurance Co., as Trustee, to secure an obligation “Obligation” in favor of Peoples Bank, as Beneficiary. *The Tax Parcel ID number and Abbreviated Legal Description are provided solely to comply with the recording statutes and are not intended to supplement, amend or supersede the Property’s full legal description provided herein.
II.
No action commenced by the Beneficiary of the Deed of Trust is now pending to seek satisfaction of the Obligation in any Court by reason of the Grantor’s or Borrower’s default on the Obligation secured by the Deed of Trust.
III.
The Beneficiary alleges default of the Deed of Trust for failure to pay the following amounts now in arrears and/or other defaults: Amount due to reinstate as of 09/25/2015. If reinstating after this date, please contact NWTS for the exact reinstatement amount. Monthly Payments $11,472.36 Lender’s Fees & Costs $988.55 Total Arrearage $12,460.91 Trustee’s Expenses (Itemization) Trustee’s Fee $1,350.00 Title Report $1,073.10 Statutory Mailings $29.10 Recording Costs $14.00 Postings $80.00 Total Costs $2,546.20 Total Amount Due: $15,007.11
IV.
The sum owing on the Obligation is: Principal Balance of $313,579.88, together with interest as provided in the note or other instrument evidencing the Obligation from 03/01/15, and such other costs and fees as are due under the Obligation, and as are provided by statute.
V.
The Property will be sold to satisfy the expense of sale and the Obligation as provided by statute. The sale will be made without representation or warranty, express or implied regarding title, possession, encumbrances or condition of the Property on January 29, 2016. The default(s) referred to in paragraph III, together with any subsequent payments, late charges, advances costs and fees thereafter due, must be cured by 01/18/16 (11 days before the sale date), to cause a discontinuance of the sale. The sale will be discontinued and terminated if at any time before 01/18/16 (11 days before the sale date), the default(s) as set forth in paragraph III, together with any subsequent payments, late charges, advances, costs and fees thereafter due, is/are cured and the Trustee’s fees and costs are paid. The sale may be terminated any time after 01/18/16 (11 days before the sale date), and before the sale by the Borrower, Grantor, any Guarantor or the holder of any recorded junior lien or encumbrance paying the entire balance of principal and interest secured by the Deed of Trust, plus costs, fees, and advances, if any made pursuant to the terms of the obligation and/or Deed of Trust, and curing all other defaults.
VI.
A written notice of default was transmitted by the Beneficiary or Trustee to the Borrower and Grantor at the following address(es): NAME AND ADDRESS Jeffrey Zabel aka Jeffrey T Zabel aka Jeffrey Thomas Zabel 5987 Louis Court Ferndale, WA 98248 Katie Zabel aka Katie L Zabel aka Katie Lynn Zabel 5987 Louis Court Ferndale, WA 98248 Unknown Spouse and/or Domestic Partner of Jeffrey Zabel aka Jeffrey T Zabel aka Jeffrey Thomas Zabel 5987 Louis Court Ferndale, WA 98248 Unknown Spouse and/or Domestic Partner of Katie Zabel aka Katie L Zabel aka Katie Lynn Zabel 5987 Louis Court Ferndale, WA 98248 Jeffrey Zabel aka Jeffrey T Zabel aka Jeffrey Thomas Zabel c/o Laura A Weight, Attorney 119 North Commercial Street, Suite 1400 Bellingham, WA 98225 by both first class and certified mail, return receipt requested on 08/25/15, proof of which is in the possession of the Trustee; and on 08/25/15 Grantor and Borrower were personally served with said written notice of default or the written notice of default was posted on a conspicuous place on the real property described in paragraph I above, and the Trustee has possession of proof of such service or posting.
VII.
The Trustee, whose name and address are set forth below, will provide in writing to anyone requesting it a statement of all costs and trustee’s fees due at any time prior to the sale.
VIII.
The effect of the sale will be to deprive the Grantor and all those who hold by, through or under the Grantor of all their interest in the Property.
IX.
Anyone having any objection to the sale on any grounds whatsoever will be afforded an opportunity to be heard as to those objections if they bring a lawsuit to restrain the sale pursuant to RCW 61.24.130. Failure to bring such a lawsuit may result in a waiver of any proper grounds for invalidating the Trustee’s sale.
X.
NOTICE TO OCCUPANTS OR TENANTS – The purchaser at the Trustee’s Sale is entitled to possession of the property on the 20th day following the sale, as against the Grantor under the Deed of Trust (the owner) and anyone having an interest junior to the Deed of Trust, including occupants who are not tenants. After the 20th day following the sale the purchaser has the right to evict occupants who are not tenants by summary proceedings under Chapter 59.12 RCW. For tenant-occupied property, the purchaser shall provide a tenant with written notice in accordance with RCW 61.24.060. The trustee’s rules of auction may be accessed at www.northwesttrustee.com and are incorporated by this reference. You may also access sale status at www.northwesttrustee.com and www.USA-Foreclosure.com. Date Executed: Northwest Trustee Services, Inc., Trustee Authorized Signature 13555 SE 36th St. Suite 100 Bellevue, WA 98006 Contact: Nanci Lambert (425) 586-1900. Zabel, Jeffrey T and Katie L (TS# 7724.20031) 1002.282724-File No.
Published by Ferndale Record December 30, 2015 and January 20, 2016.
LEGAL
TS No WA08000724-15-1 APN 380319 075252 0000 TO No 150150288-WA-MSI NOTICE OF TRUSTEE’S SALE PURSUANT TO THE REVISED CODE OF WASHINGTON CHAPTER 61.24 ET. SEQ.
I.
NOTICE IS HEREBY GIVEN that on January 29, 2016, 10:00 AM, at main entrance Whatcom County Courthouse, 311 Grand Avenue, Bellingham, WA, MTC Financial Inc. dba Trustee Corps, the undersigned Trustee, will sell at public auction to the highest and best bidder, payable, in the form of cash, or cashier’s check or certified checks from federally or State chartered banks, at the time of sale the following described real property, situated in the County of Whatcom, State of Washington, to-wit: THE NORTH 28 FEET OF LOT 4 AND THE SOUTH 36 FEET OF LOT 5, BLOCK 262, `SUPPLEMENTAL MAP OF THE TOWN OF WHATCOM, WHATCOM COUNTY, W.T. 1884,` NOW A PART OF THE CONSOLIDATED CITY OF BELLINGHAM, WHATCOM COUNTY, WASHINGTON, AS PER THE MAP THEREOF, RECORDED IN VOLUME 1 OF PLATS, PAGE 42, IN THE AUDITOR`S OFFICE OF SAID COUNTY AND STATE. SITUATE IN WHATCOM COUNTY, WASHINGTON. APN: 380319 075252 0000 More commonly known as 2817 RUSSEL ST, BELLINGHAM, WA 98225 which is subject to that certain Deed of Trust dated as of February 22, 2005, executed by STACY L. HARRIS AND WILLIAM L. UELAND, EACH AS THEIR SEPARATE ESTATE as Trustor(s), to secure obligations in favor of BENEFICIAL WASHINGTON INC. as original Beneficiary recorded February 25, 2005 as Instrument No. 2050204061 and the beneficial interest was assigned to U.S. Bank Trust, N.A. as Trustee for LSF9 Master Participation Trust and recorded December 4, 2014 as Instrument Number 2141200542 of official records in the Office of the Recorder of Whatcom County, Washington.
II.
No action commenced by U.S. Bank Trust, N.A. as Trustee for LSF9 Master Participation Trust, the current Beneficiary of the Deed of Trust is now pending to seek satisfaction of the obligation in any Court by reason of the Borrowers’ or Grantors’ default on the obligation secured by the Deed of Trust/Mortgage. Current Beneficiary: U.S. Bank Trust, N.A. as Trustee for LSF9 Master Participation Trust Contact Phone No: 800-401-6587 Address: 13801 Wireless Way, Oklahoma City, OK 73134
III.
The default(s) for which this foreclosure is made is/are as follows: FAILURE TO PAY WHEN DUE THE FOLLOWING AMOUNTS WHICH ARE NOW IN ARREARS: DELINQUENT PAYMENT INFORMATION From January 28, 2012 To September 25, 2015 Number of Payments 1 $468.61 43 $1,322.87 Total $57,352.02 LATE CHARGE INFORMATION January 28, 2012 September 25, 2015 $5,338.06 $5,338.06 PROMISSORY NOTE INFORMATION Note Dated: February 22, 2005 Note Amount: $180,753.75 Interest Paid To: December 28, 2011 Next Due Date: January 28, 2012
IV.
The sum owing on the obligation secured by the Deed of Trust is: The principal sum of $158,842.94, together with interest as provided in the Note or other instrument secured, and such other costs and fees as are due under the Note or other instrument secured, and as are provided by statute.
V.
The above described real property will be sold to satisfy the expense of sale and the obligation secured by the Deed of Trust as provided by statute. Said sale will be made without warranty, expressed or implied, regarding title, possession or encumbrances on January 29, 2016. The defaults referred to in Paragraph III must be cured by January 18, 2016, (11 days before the sale date) to cause a discontinuance of the sale. The sale will be discontinued and terminated if at any time before January 18, 2016 (11 days before the sale) the default as set forth in Paragraph III is cured and the Trustees’ fees and costs are paid. Payment must be in cash or with cashiers’ or certified checks from a State or federally chartered bank. The sale may be terminated any time after the January 18, 2016 (11 days before the sale date) and before the sale, by the Borrower or Grantor or the holder of any recorded junior lien or encumbrance by paying the principal and interest, plus costs, fees and advances, if any, made pursuant to the terms of the obligation and/or Deed of Trust.
VI.
A written Notice of Default was transmitted by the current Beneficiary, U.S. Bank Trust, N.A. as Trustee for LSF9 Master Participation Trust or Trustee to the Borrower and Grantor at the following address(es): ADDRESS UNKNOWN SPOUSE OF STACY L. HARRIS 2817 RUSSEL ST, BELLINGHAM, WA 98225 UNKNOWN SPOUSE OF WILLIAM L. UELAND 2817 RUSSEL ST, BELLINGHAM, WA 98225 STACY L. HARRIS 2817 RUSSEL ST, BELLINGHAM, WA 98225 WILLIAM L. UELAND 2817 RUSSEL ST, BELLINGHAM, WA 98225 by both first class and certified mail on July 28, 2015, proof of which is in the possession of the Trustee; and the Borrower and Grantor were personally served, if applicable, with said written Notice of Default or the written Notice of Default was posted in a conspicuous place on the real property described in Paragraph I above, and the Trustee has possession of proof of such service or posting.
VII.
The Trustee whose name and address are set forth below will provide in writing to anyone requesting it, a statement of all costs and fees due at any time prior to the sale.
VIII.
The effect of the sale will be to deprive the Grantor and all those who hold by, through or under the Grantor of all their interest in the above described property.
IX.
Anyone having any objections to this sale on any grounds whatsoever will be afforded an opportunity to be heard as to those objections if they bring a lawsuit to restrain the sale pursuant to RCW 61.24.130. Failure to bring such a lawsuit may result in a waiver of any proper grounds for invalidating the Trustees’ Sale.
X.
If the Borrower received a letter under RCW 61.24.031: THIS NOTICE IS THE FINAL STEP BEFORE THE FORECLOSURE SALE OF YOUR HOME. You have only 20 DAYS from the recording date on this notice to pursue mediation. DO NOT DELAY. CONTACT A HOUSING COUNSELOR OR AN ATTORNEY LICENSED IN WASHINGTON NOW to assess your situation and refer you to mediation if you might eligible and it may help you save your home. See below for safe sources of help. SEEKING ASSISTANCE Housing counselors and legal assistance may be available at little or no cost to you. If you would like assistance in determining your rights and opportunities to keep your house, you may contact the following: The statewide foreclosure hotline for assistance and referral to housing counselors recommended by the Housing Finance Commission: Telephone: (877) 894-4663 or (800) 606-4819 Website: www.wshfc.org The United States Department of Housing and Urban Development: Telephone: (800) 569-4287 Website: www.hud.gov The statewide civil legal aid hotline for assistance and referrals to other housing counselors and attorneys: Telephone: (800) 606-4819 Website: www.homeownership.wa.gov NOTICE TO OCCUPANTS OR TENANTS – The purchaser at the Trustee’s Sale is entitled to possession of the property on the 20th day following the sale, as against the Grantor under the Deed of Trust (the owner) and anyone having an interest junior to the Deed of Trust, including occupants who are not tenants. After the 20th day following the sale the purchaser has the right to evict occupants who are not tenants by summary proceedings under the Unlawful Detainer Act, Chapter 59.12 RCW. For tenant-occupied property, the purchaser shall provide a tenant with written notice in accordance with RCW 61.24.060; Dated: September 28, 2015 MTC Financial Inc. dba Trustee Corps, as Duly Appointed Successor Trustee By: Jessica Cimarusti, Authorized Signatory MTC Financial Inc. dba Trustee Corps 1700 Seventh Avenue, Suite 2100 Seattle WA 98101 Phone: (800) 409-7530 TDD: (800) 833-6388 For Reinstatement/Pay Off Quotes, contact MTC Financial Inc. DBA Trustee Corps TRUSTEE’S SALE INFORMATION CAN BE OBTAINED ONLINE AT www.insourcelogic.com. Order No. WA15-001057-2, Pub Dates 12/30/2015, 01/20/2016
Published by Ferndale Record December 30, 2015 and January 20, 2016.
