■ 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: 700 32nd Street, Unit A-412, Bellingham, WA
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.
■ TRUSTEE’S SALE
LEGAL
File No.: Trustee: 7303.26812 Northwest Trustee Services, Inc. Grantors: John Cho and Jin O. Cho, husband and wife Grantee: Wells Fargo Bank, National Association, as Trustee for Banc of America Mortgage Securities, Inc. Mortgage Pass-Through Certificates, Series 2005-H Ref to DOT Auditor File No.: 2050700266 Tax Parcel ID No.: 370408 161518 0000 PI D 33096 Abbreviated Legal: LOT 15, PLAT OF SUDDEN VALLEY, DIV NO. 32; PARCEL NO. 370408 161518 0000 PI D 33096, WHATCOM CO., WA Notice of Trustee’s Sale Pursuant to the Revised Code of Washington 61.24, et seq.
I.
On January 22, 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 15, Sudden Valley Divisin No. 32, according to the plat thereof recorded in Volume 12 of plats, page 90 through 92, records of Whatcom County, Washington. Commonly known as: 14 Par Lane Bellingham, WA 98229 which is subject to that certain Deed of Trust dated 06/21/05, recorded on 07/01/05, under Auditor’s File No. 2050700266, records of WHATCOM County, Washington, from John Cho and Jin O Cho husband and wife, as Grantor, to PRLAP, Inc., as Trustee, to secure an obligation “Obligation” in favor of Bank of America, N.A, as Beneficiary, the beneficial interest in which was assigned by Bank of America, N.A to Wells Fargo Bank, N.A., as Trustee for The Certificateholders of Banc of America Mortgage Securities, Inc. Mortgage Pass-Through Certificates, Series 2005-H, under an Assignment/Successive Assignments recorded under Auditor’s File No. 2140401655. *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 10/19/2015. If reinstating after this date, please contact NWTS for the exact reinstatement amount Monthly Payments $53,261.68 Lender’s Fees & Costs $1,703.02 Total Arrearage $54,964.70 Trustee’s Expenses (Itemization) Trustee’s Fee $1,125.00 Title Report $1,260.92 Statutory Mailings $23.28 Recording Costs $14.00 Postings $80.00 Total Costs $2,503.20 Total Amount Due: $57,467.90 Other known defaults as follows:
IV.
The sum owing on the Obligation is: Principal Balance of $404,310.45, together with interest as provided in the note or other instrument evidencing the Obligation from 12/01/13, 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 22, 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 01/11/16 (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 01/11/16 (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 01/11/16 (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 John Cho 14 Par Lane Bellingham, WA 98229 John Cho 3318 Campbell Avenue Honolulu, HI 96815 Jin O Cho 14 Par Lane Bellingham, WA 98229 Jin O Cho 3318 Campbell Avenue Honolulu, HI 96815 by both first class and certified mail, return receipt requested on 09/17/15, proof of which is in the possession of the Trustee; and on 09/17/15 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: Heather L. Smith (425) 586-1900. (TS# 7303.26812 Cho, John and Jin O.) 1002.283121-File No.
Published by Ferndale Record December 23, 2015 and January 13, 2016.
LEGAL
File No.: Trustee: 7236.26546 Northwest Trustee Services, Inc. Grantors: Michael Scott Kennard and Betty Stock Kennard, husband and wife Grantee: 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 2006-4, Mortgage Pass-Through Certificates, Series 2006-4 Ref to DOT Auditor File No.: 2060302104 Tax Parcel ID No.: 50235 and 380223-532059-0000 Abbreviated Legal: Ptn Unplatted part of Eldridge Donation Claim in SEC 23, Twn 38 N, Rng 2 E, and of Lot 2, Eldridge Donation Claim Add, Vol 6, PG 40, Whatcom County, 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 22, 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: All that portion of the unplatted part of Eldridge Donation Claim in Section 23, Township 38 North, Range 2 East of W.M., and of Lot 2, Eldridge Donation Claim Addition, according to the Plat thereof recorded in Volume 6 of Plats, Page 40, Records of the Office of the Auditor of Whatcom County, Washington, bounded and described as follows: On the North by Eldridge Avenue; on the East by the right-of-way of the Chicago, Milwaukee, St. Paul and Pacific Railway; on the South by the right-of-way of the Great Northern Railroad Company; and on the West by Seaview Avenue, as now established. Except right-of-way for Eldridge Avenue lying along the Northerly boundary thereof; except the right-of-way of Chicago, Milwaukee, St. Paul and Pacific Railway lying along the Easterly boundary thereof; except right-of-way for the Great Northern Railroad lying along the Southerly boundary thereof; and except the right-of-way for Seaview Avenue lying along the Westerly boundary thereof. Situate in Whatcom County, Washington. Commonly known as: 2915 Eldridge Avenue Bellingham, WA 98225 which is subject to that certain Deed of Trust dated 03/09/06, recorded on 03/14/06, under Auditor’s File No. 2060302104, records of WHATCOM County, Washington, from Betty Stock Kennard and Michael Scott Kennard, wife and husband, as Grantor, to Transnation, as Trustee, to secure an obligation “Obligation” in favor of First NLC Financial Services, LLC, as Beneficiary, the beneficial interest in which was assigned by Wilmington Trust, National Association, as successor trustee to Citibank, N.A., as Trustee for Bear Stearns ALT-A Trust 2006-4, Mortgage Pass-Through Certificates, Series 2006-4 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 2006-4, Mortgage Pass-Through Certificates, Series 2006-4, under an Assignment/Successive Assignments recorded under Auditor’s File No. 2150503391. *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 09/14/2015. If reinstating after this date, please contact NWTS for the exact reinstatement amount. Monthly Payments $142,006.69 Late Charges $800.84 Lender’s Fees & Costs $282.00 Total Amount Due: $143,089.53 Other known defaults as follows:
IV.
The sum owing on the Obligation is: Principal Balance of $811,958.93, together with interest as provided in the note or other instrument evidencing the Obligation from 07/01/13, 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 22, 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 01/11/16 (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 01/11/16 (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 01/11/16 (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 Betty Stock Kennard 2915 Eldridge Avenue Bellingham, WA 98225 Michael Scott Kennard 2915 Eldridge Avenue Bellingham, WA 98225 Betty Stock Kennard 208 East Edison Avenue Sunnyside, WA 98944 Michael Scott Kennard 208 East Edison Avenue Sunnyside, WA 98944 Betty Stock Kennard 211 West Holly Street Bellingham, WA 98225 Michael Scott Kennard 211 West Holly Street Bellingham, WA 98225 Betty Stock Kennard 4192 Meridian Street Bellingham, WA 98226 Michael Scott Kennard 4192 Meridian Street Bellingham, WA 98226 by both first class and certified mail, return receipt requested on 08/12/15, proof of which is in the possession of the Trustee; and on 08/12/15 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: Vonnie McElligott (425) 586-1900. (TS# 7236.26546 Kennard, Betty Stock and Michael Scott) 1002.282460-File No.
Published by Ferndale Record December 23, 2015 and January 13, 2016.
LEGAL
TS No WA08000510-15-1 APN 370429 062042 0000 TO No 150134266-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 22, 2016, 09:00 AM, Main Entrance, Whatcom County Courthouse, 311 Grand Ave., Bellingham, WA 98225, 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: LOT 3, BLOCK 3, GLENHAVEN LAKES DIVISION NO. 5, ACCORDING TO THE PLAT THEREOF RECORDED IN VOLUME 9 OF PLATS, PAGE(S) 55 THROUGH 57, INCLUSIVE, RECORDS OF WHATCOM COUNTY, WASHINGTON. APN: 370429 062042 0000 More commonly known as 514 SUMMIT PLACE, SEDRO WOOLLEY, WA 98284 which is subject to that certain Deed of Trust dated as of June 15, 2010, executed by DUSTIN WILLIAM MORRISON as Trustor(s), to secure obligations in favor of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. (“MERS”), as designated nominee for SUREPOINT LENDING ABN FIRST RESIDENTIAL MORTGAGE NETWORK, INC., Beneficiary of the security instrument, its successors and assigns, recorded June 21, 2010 as Instrument No. 2100602208 and the beneficial interest was assigned to BANK OF AMERICA, N.A. and recorded October 25, 2012 as Instrument Number 2121003652 of official records in the Office of the Recorder of Whatcom County, Washington.
II.
No action commenced by BANK OF AMERICA, N.A., 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: BANK OF AMERICA, N.A. Contact Phone No: 214-209-6557 Address: 7105 Corporate Drive, Building C, Plano, TX 75024
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 November 1, 2013 To September 8, 2015 Number of Payments 9 $1,444.87 12 $1,396.09 2 $1,400.25 Total $32,557.41 PROMISSORY NOTE INFORMATION Note Dated: June 15, 2010 Note Amount: $159,816.00 Interest Paid To: October 1, 2013 Next Due Date: November 1, 2013
IV.
The sum owing on the obligation secured by the Deed of Trust is: The principal sum of $133,014.50, 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 22, 2016. The defaults referred to in Paragraph III must be cured by January 11, 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 11, 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 11, 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, BANK OF AMERICA, N.A. or Trustee to the Borrower and Grantor at the following address(es): ADDRESS UNKNOWN SPOUSE OF DUSTIN WILLIAM MORRISON 514 SUMMIT PLACE, SEDRO WOOLLEY, WA 98284 UNKNOWN SPOUSE OF DUSTIN WILLIAM MORRISON C/O K.T. ESP, ATTORNEY AT LAW, 301 PROSPECT STREET, BELLINGHAM, WA 98225 DUSTIN WILLIAM MORRISON 514 SUMMIT PLACE, SEDRO WOOLLEY, WA 98284 DUSTIN WILLIAM MORRISON C/O K.T. ESP, ATTORNEY AT LAW, 301 PROSPECT STREET, BELLINGHAM, WA 98225 by both first class and certified mail on July 15, 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 8, 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.Auction.com. Order No. WA15-000938-2, Pub Dates 12/23/2015, 01/13/2016
Published by Ferndale Record December 23, 2015 and January 13, 2016.
LEGAL
File No.: Trustee: 7952.20018 Northwest Trustee Services, Inc. Grantors: Dennis W. Brown and Lori A. Brown, husband and wife Grantee: Industrial Credit Union Ref to DOT Auditor File No.: 2130900618 Tax Parcel ID No.: 400319 441030 0000/PID# 132983/400319 441025 0000/PID#132982 and 400319 441025 0000/PID#132982 Abbreviated Legal: LOTS 1-2, SMITH-HAGGITH LOT LINE ADJUSTMENT, REC. 2000900015, WHATCOM COUNTY, Washington 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 February 12, 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: Lots 1 and 2 as delineated on Smith-Haggith Lot Line Adjustment, according to the plat thereof, recorded September 1, 2000, under Auditor’s File No. 2000900015, records of Whatcom County, Washington. Situate in Whatcom County, Washington. Commonly known as: 407 & NHN South 17th Street Lynden, WA 98264 which is subject to that certain Deed of Trust dated 09/03/13, recorded on 09/06/13, under Auditor’s File No. 2130900618, records of Whatcom County, Washington, from Dennis Brown and Lori Brown, husband and wife, as Grantor, to Chicago Title Insurance Company, as Trustee, to secure an obligation “Obligation” in favor of Industrial Credit Union of Whatcom County, 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 10/6/2015. If reinstating after this date, please contact NWTS for the exact reinstatement amount. Delinquent monthly payments beginning with the 2/9/15 installment. $11,352.24 Late Charges $425.70 Trustee’s Fee $1,350.00 Costs Title Report $797.86 Statutory Mailings (estimate) $23.28 Recording Costs (estimate) $42.00 Postings (estimate) $160.00 Total Amount Due: $14,151.08
IV.
The sum owing on the Obligation is: Principal Balance of $210,888.93, together with interest as provided in the note or other instrument evidencing the Obligation from 01/09/15, 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 February 12, 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 02/01/16 (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 02/01/16 (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 02/01/16 (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 Dennis W. Brown 407 South 17th Street Lynden, WA 98264-2068 Lori A. Brown 407 South 17th Street Lynden, WA 98264-2068 Dennis W. Brown NHN S. 17th Street Lynden, WA 98264-2068 Lori A. Brown NHN S. 17th Street Lynden, WA 98264-2068 by both first class and certified mail, return receipt requested on 09/04/15, proof of which is in the possession of the Trustee; and on 09/05/15 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. Brown, Dennis W. and Lori A. (TS# 7952.20018) 1002.282961-File No.
Published by Ferndale Record January 13 and February 3, 2016.
LEGAL
NOTICE OF TRUSTEE’S SALE Pursuant to the Revised Code of Washington 61.24, et seq. TS No.: WA-15-675414-SW APN No.: 400427 176035 0000 Title Order No.: 150163117-WA-MSI Deed of Trust Grantor(s): SUSAN ROBINSON, DAVID ROBINSON Deed of Trust Grantee(s): MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS NOMINEE FOR AMERICA’S WHOLESALE LENDER Deed of Trust Instrument/Reference No.: 2041000949
I.
NOTICE IS HEREBY GIVEN that Quality Loan Service Corp. of Washington, the undersigned Trustee, will on 2/12/2016 , 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 EAST HALF OF THE SOUTHWEST QUARTER OF THE SOUTHEAST QUARTER OF THE SOUTHWEST QUARTER OF SECTION 27, TOWNSHIP 40 NORTH, RANGE 4 EAST OF W.M., ALSO THE EAST HALF OR THE WEST HALF OF THE SOUTHWEST QUARTER OF THE SOUTHEAST QUARTER OF THE SOUTHWEST QUARTER OF SAID SECTION. EXCEPT ANY PORTION LYING WITHIN SOUTH PASS ROAD (COUNTY ROAD NO. 260), ALONG THE SOUTH LINE THEREOF. SITUATE IN WHATCOM COUNTY, WASHINGTON More commonly known as: 3828 SOUTH PASS ROAD, EVERSON, WA 98247 which is subject to that certain Deed of Trust dated 9/30/2004, recorded 10/6/2004, under 2041000949 records of WHATCOM County, Washington , from SUSAN L ROBINSON ANDALSO DAVID S ROBINSON, HUSBAND AND WIFE , as Grantor(s), to First American Title , as Trustee, to secure an obligation in favor of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS NOMINEE FOR AMERICA’S WHOLESALE LENDER , as Beneficiary, the beneficial interest in which was assigned by MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS NOMINEE FOR AMERICA’S WHOLESALE LENDER (or by its successors-in-interest and/or assigns, if any), to THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK AS SUCCESSOR INDENTURE TRUSTEE TO JPMORGAN CHASE BANK, N.A., AS INDENTURE TRUSTEE FOR THE CWABS REVOLVING HOME EQUITY LOAN TRUST, SERIES 2004-S .
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: $359,812.18
IV.
The sum owing on the obligation secured by the Deed of Trust is: The principal sum of $409,619.61 , together with interest as provided in the Note from 5/20/2008 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 2/12/2016 . The defaults referred to in Paragraph III must be cured by 2/1/2016 (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 2/1/2016 (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 2/1/2016 (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 SUSAN L ROBINSON ANDALSO DAVID S ROBINSON, HUSBAND AND WIFE ADDRESS 3828 SOUTH PASS ROAD, EVERSON, WA 98247 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 8/31/2015 .
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: 10/12/2015 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-15-675414-SW IDSPub #0092910 1/13/2016 2/3/2016
Published by Ferndale Record January 13 and February 3, 2016.
