TRUSTEE’S SALE
LEGAL
NOTICE OF TRUSTEE’S SALE Pursuant to the Revised Code of Washington 61.24, et seq. TS No.: WA-16-709625-AJ APN No.: 415335 325231 0000 Title Order No.: 160102508-WA-MSI Deed of Trust Grantor(s): STEVEN L BERMAN, ANNE D BERMAN Deed of Trust Grantee(s): MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS NOMINEE FOR QUICKEN LOANS INC. Deed of Trust Instrument/Reference No.: 2091202204
I.
NOTICE IS HEREBY GIVEN that Quality Loan Service Corp. of Washington, the undersigned Trustee, will on 11/14/2016 , at 9:00 AM At the Main Entrance of the Whatcom County Courthouse, 311 Grand Ave., Bellingham, WA 98225 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 1, BLOCK 2, PLAT OF ROOSEVELT WAY ESTATES, DIVISION NO. 1 ACCORDING TO THE PLAT THEREOF RECORDED IN VOLUME 12 OF PLATS PAGE 22 RECORDS OF WHATCOM COUNTY, WASHINGTON SITUATE IN WHATCOM COUNTY, WASHINGTON. More commonly known as: 12 DIANE CIR, POINT ROBERTS, WA 98281 which is subject to that certain Deed of Trust dated 11/24/2009, recorded 12/17/2009, under 2091202204 and modified as per Modification Agreement recorded 5/7/2015 as Instrument No. 2150500759 records of WHATCOM County, Washington , from STEVEN L. BERMAN AND ANNE D. BERMAN, HUSBAND AND WIFE , as Grantor(s), to FNTG-CHICAGO TITLE , as Trustee, to secure an obligation in favor of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS NOMINEE FOR QUICKEN LOANS INC. , as Beneficiary, the beneficial interest in which was subsequently assigned to Lakeview Loan Servicing, LLC under and assignment recorded under Auditors File Number 2130901541
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 following amounts which are now in arrears: $19,659.82
IV.
The sum owing on the obligation secured by the Deed of Trust is: The principal sum of $295,063.42 , together with interest as provided in the Note from 11/1/2015 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 11/14/2016 . The defaults referred to in Paragraph III must be cured by 11/3/2016 (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 11/3/2016 (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 11/3/2016 (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 STEVEN L. BERMAN AND ANNE D. BERMAN, HUSBAND AND WIFE ADDRESS 12 DIANE CIR, POINT ROBERTS, WA 98281 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 5/27/2016 .
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 DEBT AND 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: 6/30/2016 Quality Loan Service Corp. of Washington, as Trustee By: Tricia Willis, 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: 800-280-2832 Or Login to: http://wa.qualityloan.com TS No.: WA-16-709625-AJ IDSPub #0110787 10/12/2016 11/2/2016
Published by Ferndale Record
October 12 and November 2, 2016.
LEGAL
NOTICE OF TRUSTEE’S SALE Pursuant to the Revised Code of Washington 61.24, et seq. TS No.: WA-14-617248-NH APN No.: 400418-325454-0000 Title Order No.: 02-14013576 Deed of Trust Grantor(s): JOE CRUMP, JESSICA CRUMP Deed of Trust Grantee(s): MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR AMERICAN FINANCIAL RESOURCES, INC., A NEW JERSEY CORPORATION Deed of Trust Instrument/Reference No.: 2120600999
I.
NOTICE IS HEREBY GIVEN that Quality Loan Service Corp. of Washington, the undersigned Trustee, will on 11/14/2016 , at 9:00 AM At the Main Entrance of the Whatcom County Courthouse, 311 Grand Ave., Bellingham, WA 98225 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 Northwest quarter of the Northeast quarter of Section 18, Township 40 North, Range 4 East of W.M., Except the East 17 feet, also Except the West 24.5 feet and; Except East Badger Road; Also except that portion conveyed to the State of Washington for highway purposes by Warranty Deed filed under Whatcom County Auditor’s File No. 1002931; Also except that portion conveyed under Auditors File No. 950602043. Situate in Whatcom County, Washington. More commonly known as: 2759 EAST BADGER ROAD, EVERSON, WA 98247 which is subject to that certain Deed of Trust dated 6/5/2012, recorded 6/8/2012, under 2120600999 records of WHATCOM County, Washington , from JOE CRUMP AND JESSICA CRUMP HUSBAND AND WIFE , as Grantor(s), to CHICAGO TITLE COMPANY , as Trustee, to secure an obligation in favor of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR AMERICAN FINANCIAL RESOURCES, INC., A NEW JERSEY CORPORATION , as Beneficiary, the beneficial interest in which was subsequently assigned to HMC Assets, LLC solely in its capacity as Separate Trustee of CAM XIV TRUST under and assignment recorded under Auditors File Number 2130800423 xxx xxx
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 following amounts which are now in arrears: $77,295 .92
IV.
The sum owing on the obligation secured by the Deed of Trust is: The principal sum of $277,260.80 , together with interest as provided in the Note from 8/1/2013 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 11/14/2016 . The defaults referred to in Paragraph III must be cured by 11/3/2016 (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 11/3/2016 (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 11/3/2016 (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 JOE CRUMP AND JESSICA CRUMP HUSBAND AND WIFE ADDRESS 2759 EAST BADGER 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 7/29/2014 .
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 DEBT AND 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: 6/30/2016 Quality Loan Service Corp. of Washington, as Trustee By: Rhianna Watson, 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: 800-280-2832 Or Login to: http://wa.qualityloan.com TS No.: WA-14-617248-NH IDSPub #0110790 10/12/2016 11/2/2016
Published by Ferndale Record
October 12 and November 2, 2016.
LEGAL
File No.: Trustee: 7042.15763 Northwest Trustee Services, Inc. Grantors: Lisa Dardzinski, as a separate estate Grantee: Ditech Financial LLC Ref to DOT Auditor File No.: 2061001516 Tax Parcel ID No.: 410131 258143 0000/157259 Abbreviated Legal: LOT A, CASCADE MEADOWS LLLA SP, VOL. 31, PG. 23, 940928124, 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 November 14, 2016, at 9:00 AM. Whatcom County Courthouse, 311 Grand Ave., Main Entrance 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 A, Cascade Meadows Lot Line Adjustment Short Plat, according to the Plat thereof, recorded in Volume 31 of Short Plats, Page 23, under Auditor’s File No. 940928124, records of Whatcom County, Washington. Situate in Whatcom County, Washington. Commonly known as: 944 E Street Blaine, WA 98230 which is subject to that certain Deed of Trust dated 10/04/06, recorded on 10/11/06, under Auditor’s File No. 2061001516, records of WHATCOM County, Washington, from Lisa Dardzinski, a single woman, as Grantor, to Chicago Title Insurance Company, as Trustee, to secure an obligation “Obligation” in favor of Mortgage Electronic Registration Systems, Inc., solely as nominee for Banner Bank, its successors and assigns, as Beneficiary, the beneficial interest in which was assigned by Bank of America, N.A. to Ditech Financial LLC, under an Assignment/Successive Assignments recorded under Auditor’s File No. 2016-0202156. *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 07/11/2016. If reinstating after this date, please contact NWTS for the exact reinstatement amount. Monthly Payments $22,400.61 Lender’s Fees & Costs $347.91 Total Arrearage $22,748.52 Trustee’s Expenses (Itemization) Trustee’s Fee $1,005.00 Title Report $865.05 Statutory Mailings $68.48 Recording Costs $107.00 Postings $160.00 Total Costs $2,205.53 Total Amount Due: $24,954.05 Other known defaults as follows:
IV.
The sum owing on the Obligation is: Principal Balance of $219,684.44, together with interest as provided in the note or other instrument evidencing the Obligation from 05/01/14, 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 November 14, 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 11/03/16 (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 11/03/16 (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 11/03/16 (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 Lisa Dardzinski 944 E Street Blaine, WA 98230 Unknown Spouse and/or Domestic Partner of Lisa Dardzinski 944 E Street Blaine, WA 98230 by both first class and certified mail, return receipt requested on 05/03/16, proof of which is in the possession of the Trustee; and on 05/03/16 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. Dardzinski, Lisa (TS# 7042.15763) 1002.286880-File No.
Published by Ferndale Record
October 12 and November 2, 2016.
LEGAL
NOTICE OF TRUSTEE’S SALE Pursuant to the Revised Code of Washington 61.24, et seq. TS No.: WA-15-664403-SW APN No.: 400336 391340 0000 Title Order No.: 150076716-WA-MSI Deed of Trust Grantor(s): DEAN J LAUTENBACH, JENNIFER K. LAUTENBACH Deed of Trust Grantee(s): WELLS FARGO FINANCIAL WASHINGTON 1, INC, A CORPORATION Deed of Trust Instrument/Reference No.: 2070603577
I.
NOTICE IS HEREBY GIVEN that Quality Loan Service Corp. of Washington, the undersigned Trustee, will on 10/21/2016 , 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 91 FEET OF THE EAST 176 FEET OF THAT PORTION OF GOVERNMENT LOT 4, SECTION 36, TOWNSHIP 40 NORTH, RANGE 3 EAST OF W.M., DESCRIBED AS FOLLOWS: COMMENCING AT A POINT 20 FEET WEST OF THE NORTHEAST CORNER OF THE NORTHWEST QUARTER OF THE SOUTHEAST QUARTER OF SAID SECTION 36; THENCE NORTH 0°30’ EAST, 600 FEET TO THE TRUE POINT OF BEGINNING; THENCE NORTH 86°02’ WEST TO THE WEST LINE OF GOVERNMENT LOT 4; THENCE NORTH ALONG SAID WEST LINE TO THE SOUTH LINE OF THE NORTH 15.625 ACRES OF THE SOUTH 40 ACRES OF SAID GOVERNMENT LOT 4; THENCE EAST ALONG THE SOUTH LINE OF NORTH 15.625 ACRES OF THE SOUTH 40 ACRES OF GOVERNMENT LOT 4, TO THE WEST LINE OF MEAD AVENUE; THENCE SOUTH ALONG THE WEST LINE OF MEAD AVENUE TO THE TRUE POINT OF BEGINNING. EXCEPT MEAD AVENUE. SITUATE IN WHATCOM COUNTY, WASHINGTON. More commonly known as: 208 MEAD AVE, EVERSON, WA 98247 which is subject to that certain Deed of Trust dated 6/18/2007, recorded 6/21/2007, under 2070603577 records of WHATCOM County, Washington , from DEAN J. LAUTENBACH, MARRIED MAN, AS HIS SOLE AND SEPARATE PROPERTY AND JENNIFER K. LAUTENBACH, HIS WIFE , as Grantor(s), to FIRST AMERICAN TITLE INSURANCE COMPANY , as Trustee, to secure an obligation in favor of WELLS FARGO FINANCIAL WASHINGTON 1, INC, A CORPORATION , as Beneficiary, the beneficial interest in which was assigned by WELLS FARGO FINANCIAL WASHINGTON 1, INC, A CORPORATION (or by its successors-in-interest and/or assigns, if any), to Wells Fargo Financial Washington 1, Inc. .
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 following amounts which are now in arrears: $33,720.35
IV.
The sum owing on the obligation secured by the Deed of Trust is: The principal sum of $162,788.76 , together with interest as provided in the Note from 8/1/2014 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 10/21/2016 . The defaults referred to in Paragraph III must be cured by 10/10/2016 (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 10/10/2016 (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 10/10/2016 (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 DEAN J. LAUTENBACH, MARRIED MAN, AS HIS SOLE AND SEPARATE PROPERTY AND JENNIFER K. LAUTENBACH, HIS WIFE ADDRESS 208 MEAD AVE, 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 5/12/2015 .
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 DEBT AND 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: 6/13/2016 Quality Loan Service Corp. of Washington, as Trustee By: Tricia Willis, 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-15-664403-SW IDSPub #0109471 9/21/2016 10/12/2016
Published by Ferndale Record
September 21 and October 12, 2016.
LEGAL
TS No WA09000010-16-1 APN 380329 490103 0000 TO No 8616396 NOTICE OF TRUSTEE’S SALE PURSUANT TO THE REVISED CODE OF WASHINGTON CHAPTER 61.24 ET. SEQ. I. NOTICE IS HEREBY GIVEN that on November 14, 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 15, “MAGNOLIA HILLS, PHASE I,” AS PER THE MAP THEREOF, RECORDED IN VOLUME 18 OF PLATS, PAGES 55 THROUGH 59, INCLUSIVE, RECORDS OF WHATCOM COUNTY, WASHINGTON, SITUATE IN THE COUNTY OF WHATCOM, STATE OF WASHINGTON. APN: 380329 490103 0000 More commonly known as 1442 SWEETBAY CT, BELLINGHAM, WA 98229 which is subject to that certain Deed of Trust dated as of June 29, 2011, executed by MATTHEW B SMITH, A SINGLE MAN as Trustor(s), to secure obligations in favor of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. (“MERS”), as designated nominee for U.S. BANK N.A., Beneficiary of the security instrument, its successors and assigns, recorded July 18, 2011 as Instrument No. 2110701514 and the beneficial interest was assigned to U.S. Bank National Association and recorded August 13, 2015 as Instrument Number 2150801228 of official records in the Office of the Recorder of Whatcom County, Washington.
II.
No action commenced by U.S. Bank National Association, 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 National Association Contact Phone No: 855-698-7627 Address: 4801 Frederica St, Owensboro, KY 42301
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 June 1, 2015 To June 30, 2016 Number of Payments 2 $1,550.61 11 $1,570.85 Total $20,380.57 LATE CHARGE INFORMATION June 1, 2015 June 30, 2016 $0.00 PROMISSORY NOTE INFORMATION Note Dated: June 29, 2011 Note Amount: $222,101.00 Interest Paid To: May 1, 2015 Next Due Date: June 1, 2015
IV.
The sum owing on the obligation secured by the Deed of Trust is: The principal sum of $208,100.22, 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 November 14, 2016. The defaults referred to in Paragraph III must be cured by November 3, 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 November 3, 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 November 3, 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 National Association or Trustee to the Borrower and Grantor at the following address(es): ADDRESS MATTHEW B SMITH 1442 SWEETBAY CT, BELLINGHAM, WA 98229 MATTHEW B SMITH 1341 WELLING ROAD, BELLINGHAM, WA 98226 MATTHEW BLAIR SMITH 1442 SWEETBAY CT, BELLINGHAM, WA 98229 UNKNOWN SPOUSE OF MATTHEW B SMITH 1442 SWEETBAY CT, BELLINGHAM, WA 98229 UNKNOWN SPOUSE OF MATTHEW B SMITH 1341 WELLING ROAD, BELLINGHAM, WA 98226 by both first class and certified mail on March 30, 2016, proof of which is in the possession of the Trustee; and the Borrower and Grantor were personally served, April 7, 2016, 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: June 27, 2016 MTC Financial Inc. dba Trustee Corps, as Duly Appointed Successor Trustee By: Jessica Cimarusti, Authorized Signatory MTC Financial Inc. dba Trustee Corps 500 Union Street, Suite 620 Seattle, WA 98101 Toll Free Number: (844) 367-8456 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. WA16-000417-2, Pub Dates 10/12/2016, 11/02/2016
Published by Ferndale Record
October 12 and November 2, 2016.
LEGAL
NOTICE OF TRUSTEE’S SALE Pursuant to the Revised Code of Washington 61.24, et seq. TS No.: WA-15-683964-SW APN No.: 400130 414573 0000 Title Order No.: 150224503-WA-MSI Deed of Trust Grantor(s): MICHELLE L WATTS Deed of Trust Grantee(s): MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS NOMINEE FOR EAGLE HOME MORTGAGE, INC, A WASHINGTON CORPORATION Deed of Trust Instrument/Reference No.: 2050906267
I.
NOTICE IS HEREBY GIVEN that Quality Loan Service Corp. of Washington, the undersigned Trustee, will on 11/14/2016 , at 9:00 AM At the Main Entrance of the Whatcom County Courthouse, 311 Grand Ave., Bellingham, WA 98225 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: PARCEL A: LOT 14, PLAT OF HOLIDAY PARK, DIVISION NO. 1, ACCORDING TO THE PLAT THEREOF, RECORDED IN VOLUME 13 OF PLATS, PAGE 91, RECORDS OF WHATCOM COUNTY, WASHINGTON. SITUATE IN WHATCOM COUNTY, WASHINGTON. PARCEL B: AN EASEMENT FOR INGRESS, EGRESS AND UTILITIES OVER ALL PRIVATE ROADWAYS IN PLAT OF HOLIDAY PARK, DIVISION NO. 1, AS GRANTED IN INSTRUMENT RECORDED JULY 26, 1976 UNDER AUDITOR’S FILE NO. 1224477, RECORDS OF WHATCOM COUNTY, WASHINGTON. SITUATE IN WHATCOM COUNTY, WASHINGTON. More commonly known as: 4614 SUNBURST DRIVE, BLAINE, WA 98230 which is subject to that certain Deed of Trust dated 9/26/2005, recorded 9/30/2005, under 2050906267 records of WHATCOM County, Washington , from MICHELLE L. WATTS, A SINGLE INDIVIDUAL , as Grantor(s), to WHATCOM LAND TITLE COMPANY INC , as Trustee, to secure an obligation in favor of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS NOMINEE FOR EAGLE HOME MORTGAGE, INC, A WASHINGTON CORPORATION , as Beneficiary, the beneficial interest in which was subsequently assigned to BANNER BANK under and assignment recorded under Auditors File Number 2130101821 xxxx xxxx
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 following amounts which are now in arrears: $51,329.48
IV.
The sum owing on the obligation secured by the Deed of Trust is: The principal sum of $74,264.14 , together with interest as provided in the Note from 9/1/2009 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 11/14/2016 . The defaults referred to in Paragraph III must be cured by 11/3/2016 (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 11/3/2016 (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 11/3/2016 (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 MICHELLE L. WATTS, A SINGLE INDIVIDUAL ADDRESS 4614 SUNBURST DRIVE, 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 10/21/2015 .
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 DEBT AND 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: 7/6/2016 Quality Loan Service Corp. of Washington, as Trustee By: Rhianna Watson, 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: 800-280-2832 Or Login to: http://wa.qualityloan.com TS No.: WA-15-683964-SW IDSPub #0110705 10/12/2016 11/2/2016
Published by Ferndale Record
October 12 and November 2, 2016.
