FERNDALE

LEGAL

NOTICE OF APPLICATION AND INTENT TO ISSUE A MITIGATED DETERMINATION OF NON-SIGNIFICANCE

The City of Ferndale has received application(s) from the applicant referenced below for a proposed development project within the city limits. Based on review of the materials submitted, the development applications have been determined to be complete. The City has received and reviewed a SEPA checklist for probable adverse environmental impacts associated with the proposed project and expects to issue a Mitigated Determination of Non-Significance (MDNS) for this project.

Pursuant to Title14 of the Ferndale Municipal Code the following notice is provided to inform the community of the City’s receipt of the development applications. The public and affected agencies are invited to comment on the environmental impacts of the proposed project and receive copies of the subsequent Threshold Determination (the MDNS), if requested. This may be the only opportunity to comment on the environmental impacts of the proposal.

APPLICANT:

Katy Radder, City of Ferndale

APPLICATION NUMBER (S):

19019-SE

DATE OF APPLICATION:

September 19, 2019

PROJECT LOCATION:

Sections 17, 18, 19, and 20 of Township 39 North, Range 2 East. Approximately at 48.8629 N lat./ -122.5901 W long. Thornton Street right of way and parcel 390217155055. From Malloy Avenue on the west to Portal Way/Second Avenue roundabout on the east.

PROJECT DESCRIPTION:

The City of Ferndale is proposing to connect Thornton Street from Malloy Avenue on the west to the roundabout at Second Avenue on the east near Interstate 5 (I-5). This will be completed by constructing a 365-foot bridge over the BNSF railroad tracks supported by earthwall embankments. The bridge consists of a three-span concrete bridge founded on concrete drilled shafts with a maximum depth of 100 feet. Wick drains will be installed under sections of the earthwall embankment. An access street will be built east and west of the railroad tracks under the proposed bridge to connect existing residences and businesses adjacent to Thornton Street to the new roadway. A section of Thornton Street east of the railroad tracks will be realigned. Curb, gutter, water mains, sanitary sewer mains, and stormwater conveyance will also be installed for this project. A stormwater pond will be built southwest of the bridge. 62,000 cubic yards of fill are expected.

The project activities exceed 1,000 cubic yards, therefore a SEPA checklist is required.

REQUESTED ACTION(S):

The applicant requests a SEPA Determination from the City of Ferndale.

THE CITY INTENDS TO ISSUE A:

Mitigated Determination of Non-Significance

PUBLIC COMMENT PERIOD:

October 2 – October 16, 2019

CONTACT:
Haylie Miller, SEPA Administrator

[email protected]

P.O. Box 936

Ferndale, WA 98248

(360) 685-2367

Required permits and approvals include, but may not be limited to:

1. SEPA Threshold Determination, City of Ferndale

2. Critical Areas Ordinance Approval, City of Ferndale

3. Land Disturbance Permit, City of Ferndale

4. Demolition Permit, City of Ferndale

5. Tank Abandonment Permit, City of Ferndale

6. Demolition Permit, Northwest Clean Air Agency

7. Section 106 Concurrence, State Historic Preservation Office / Department of Archaeology and Historic Preservation

8. Hydraulic Project Approval (HPA), Washington Department of Fish and Wildlife

9. NPDES Permit, Department of Ecology

10. NEPA (CE) Approval, Washington State Department of Transportation

11. Coastal Zone Management (CZM) Certification, Washington State Department of Ecology

12. JARPA, U.S. Army Corps of Engineers

Section 401 Water Quality Certification, Department of Ecology

Section 404, U.S. Army Corps of Engineers

13. Overpass Agreement, BNSF Railway

The lead agency for this proposal has determined that the project does not have a probable adverse impact on the environment, mitigation measures will be covered through the City of Ferndale regulations and review process.

In addition to compliance with current City regulations, the following mitigation measures were identified relative to the proposed project:

EARTH:

During construction, the contractor will install all appropriate measures and Best Management Practices (BMPs) will be in place to prevent erosion as required by the City of Ferndale, including mechanisms such as silt fences and straw waddles that are designed to capture sediment. Compliance with the City’s Stormwater Pollution Prevention Plan (SWPPP) for soil stabilization is required.

AIR:

Erosion and sediment control best management practices will be used during construction. Spraying the disturbed soil with water will limit the amount of dust. Idling of work vehicles will be reduced or eliminated. Measures to reduce or control emissions include shutting off engines when not in use, covering dump trucks, and performing regular inspections on vehicles.

ENVIRONMENTAL HEALTH:

All construction activities will be limited to daylight hours, generally between 7 am and 10 pm.

Any potential spills during construction activities and subsequent daily use will be addressed immediately in accordance with City of Ferndale and Washington State Department of Ecology standards and requirements.

Any hazardous materials onsite during construction or as part of subsequent daily use must be stored in accordance with adopted State and local regulations. The City reserves the right to require that the quantity and type of materials be identified.

Construction equipment will be closely monitored when onsite to identify any possible leaks.

PLANTS:

The site development will incorporate landscaping plans per City of Ferndale regulations.

WATER:

Stormwater will be treated according to current standards in the 2019 Stormwater Management Manual for Western Washington and the Highway Runoff Manual.

Contractor will implement Temporary Erosion and Sediment Controls (TESC) and Best Management Practices (BMP) and construct an engineered storm water management system designed to meet current (2014) Department of Ecology manual requirements.

All runoff will be routed to an underground infiltration trench, treated by means of rock and amended soil mix, then into native ground. No runoff will be conveyed offsite.

Any wetland/critical area work must comply with the City’s Critical Areas Ordinance.

CULTURAL RESOURCES:

Inadvertent Discovery of Archaeological Resources:

Should archaeological resources (e.g. shell midden, animal remains, stone tools) be observed during project activities, all work in the immediate vicinity should stop, and the area should be secured. The Washington State Department of Archaeology and Historic Preservation (Stephanie Jolivette, Local Government Archaeologist 360-586-3088) and the Lummi Nation Tribal Historic Preservation Office (Lena Tso, THPO 360-312-2257; Tamela Smart, Deputy THPO 360-312-2253) should be contacted immediately in order to help assess the situation and to determine how to preserve the resource(s). Compliance with all applicable laws pertaining to archaeological resources is required.

Inadvertent Discovery of Human Skeletal Remains on Non-Federal and Non-Tribal Land in the State of Washington (RCWs 68.50.645, 27.44.055, and 68.60.055)

“If ground disturbing activities encounter human skeletal remains during the course of construction, then all activity will cease that may cause further disturbance to those remains. The area of the find will be secured and protected from further disturbance until the State provides notice to proceed. The finding of human skeletal remains will be reported to the county medical examiner/coroner and local law enforcement in the most expeditious manner possible. The remains will not be touched, moved, or further disturbed. The county medical examiner/coroner will assume jurisdiction over the human skeletal remains and make a determination of whether those remains are forensic or non-forensic. If the county medical examiner/coroner determines the remains are non-forensic, then they will report that finding to the Department of Archaeology and Historic Preservation (DAHP) who will then take jurisdiction over the remains. The DAHP will notify any appropriate cemeteries and all affected tribes of the find. The State Physical Anthropologist will make a determination of whether the remains are Indian or Non-Indian and report that finding to any appropriate cemeteries and the affected tribes. The DAHP will then handle all consultation with the affected parties as to the future preservation, excavation, and disposition of the remains” (DAHP).

Published October 2 & 9, 2019

LEGAL

NOTICE OF APPLICATION AND INTENT TO ISSUE A MITIGATED DETERMINATION OF NON-SIGNIFICANCE

Pursuant to Title 14 of the Ferndale Municipal Code the following notice is provided to inform the community of the City’s receipt of the development applications. The public and affected agencies are invited to comment on the environmental impacts of the proposed project and receive copies of the subsequent Threshold Determination (the MDNS), if requested. This may be the only opportunity to comment on the environmental impacts of the proposal.

APPLICANT: Riley Sweeney, City of Ferndale

APPLICATION NUMBER (S):

19020-SE, 19004-SH

DATE OF APPLICATION:

August 16, 2019

PROJECT LOCATION:

VanderYacht Park is located at 945 Washington Avenue at the intersection of Washington Street and Portal Way, parcel number 390220258059.

BEG 29 FT W OF COR OF FRAC SECS 20-29 ON BANK OF NOOKSACK RIVER-TH W 491 FT ALG LI-TH N 743.5 FT M/L TO C/L OF BECKLER AVE TPOB-TH E ON ELY EXT OF C/L OF BECKLER AVE 288 FT-TH S 40 FT-TH E 195 FT TO AN IRON STAKE ON BANK OF SD RIVER-TH SLY ALG SD BANK 22

PROJECT DESCRIPTION:

The City of Ferndale proposes the installation a Gunnison precast concrete vault toilet at VanderYacht park measuring 6’6’’ x 14’8’’ adjacent to the parking lot.

The project is located within the Shoreline jurisdiction and, therefore, a SEPA checklist is required.

REQUESTED ACTION(S):

The applicant requests a SEPA Determination from the City of Ferndale.

THE CITY INTENDS TO ISSUE A:

Mitigated Determination of Non-Significance

PUBLIC COMMENT PERIOD:

October 9 – October 23, 2019

CONTACT:
Haylie Miller, SEPA Administrator

[email protected]

P.O. Box 936

Ferndale, WA 98248

(360) 685-2367

Required permits and approvals include, but may not be limited to:

1. SEPA Threshold Determination, City of Ferndale

2. Shoreline Substantial Development Permit, City of Ferndale

In addition to compliance with current City regulations, the following mitigation measures were identified relative to the proposed project:

EARTH:

AIR:

ENVIRONMENTAL HEALTH:

All construction activities will be limited to daylight hours, generally between 7 am and 10 pm.

Construction equipment will be closely monitored when onsite to identify any possible leaks.

WATER:

Any wetland/critical area work must comply with the City’s Critical Areas Ordinance.

The applicant will comply with all applicable City, Ecology and FEMA floodplain regulations.

CULTURAL RESOURCES:

Inadvertent Discovery of Archaeological Resources:

Published October 9 & 16, 2019

LEGAL

NOTICE OF NONDISCRIMINATORY POLICY AS TO STUDENTS

Providence Christian School N.W. admits students of any race, color, national and ethnic origin to all the rights, privileges, programs, and activities generally accorded or made available to students at the School. It does not discriminate on the basis of race, color, national and ethnic origin in administration of its educational policies, scholarship and loan programs, and athletic and other school-administered programs.

PROVIDENCE

CHRISTIAN SCHOOL N.W.

Published October 9, 2019.

LEGAL

Ordinances of the City Council of the City of Ferndale, Washington, passed at the Council meeting of October 7, 2019

Ordinance #2112

An ordinance amending the 2019 budget

Ordinance #2113

An ordinance amending the membership of the PRTAB

Full texts of the above document(s) are available at Ferndale City Hall, posted on the City’s website (www.cityofferndale.org) or will be mailed upon request

Susan Duncan, City Clerk

Published October 9, 2019

PUBLIC NOTICE

LEGAL

Mike Hoover, PO Box 1564 Eastsound, WA 98245, is seeking coverage under the Washington State Department of Ecology’s Construction Stormwater NPDES and State Waste Discharge General Permit.

The proposed project, West Smith Road Mini Storage, is located at 1479 W Smith Rd in Ferndale in Whatcom county.

This project involves 1.427 acres of soil disturbance for Commercial construction activities.

The receiving water is Lake Tennant.

Any persons desiring to present their views to the Washington State Department of Ecology regarding this Application, or interested in Ecology’s action on this Application, may notify Ecology in writing no later than 30 days of the last date of publication of this notice. Ecology reviews public comments and considers whether discharges from this project would cause a measurable change in receiving water quality, and, if so, whether the project is necessary and in the overriding public interest according to Tier II anti-degradation requirements under WAC 173-201A-320.

Comments can be submitted to:

Department of Ecology

Attn: Water Quality Program, Construction Stormwater

P.O. Box 47696, Olympia, WA 98504-7696

Published October 9 & 16, 2019

NOTICE OF TRUSTEE’S SALE

LEGAL

ORIGINAL TRUSTEE SALE RECORDED ON 06/14/2019 IN THE OFFICE OF THE WHATCOM COUNTY RECORDER.

NOTICE OF TRUSTEE’S SALE

File No.:19-125142 Title Order No.:8753435 Grantor: Joseph D Whiteaker, and Jessica R Whiteaker, Husband and Wife Current beneficiary of the deed of trust: Carrington Mortgage Services, LLC Current trustee of the deed of trust: Aztec Foreclosure Corporation of Washington Current mortgage servicer of the deed of trust: Carrington Mortgage Services, LLC Reference number of the deed of trust: 2090504485 Parcel number(s): 3805082760410000 / PID 84344 Abbreviated legal description: PTN OF SW1/4 SE1/4, S8, T38N, R5E Commonly known as: 4120 Valley Hwy, Deming, WA 98244

I. NOTICE IS HEREBY GIVEN that the undersigned Trustee, AZTEC FORECLOSURE CORPORATION OF WASHINGTON will on October 18, 2019, at the hour of 10:00am At the main entrance to the Whatcom County Courthouse, 311 Grand Ave, Bellingham, WA, State of Washington, sell at public auction to the highest and best bidder, payable at time of sale, the following described real property, situated in the County of Whatcom, State of Washington, to-wit: A TRACT OF LAND ONE ACRE SQUARE, EXCLUSIVE OF ROAD IN THE SOUTHWEST QUARTER OF THE SOUTHEAST QUARTER OF SECTION 8, TOWNSHIP 38 NORTH, RANGE 5 EAST OF W.M., DESCRIBED AS FOLLOWS, TO-WIT: COMMENCING AT A POINT ON THE WESTERLY BOUNDARY OF SAID SOUTHWEST QUARTER OF THE SOUTHEAST QUARTER OF SAID SECTION 8, 270 FEET NORTH OF THE EAST AND WEST COUNTY ROAD ALONG THE SOUTHERLY SIDE OF SAID 40 ACRE TRACT (BEING THE NORTHWESTERLY CORNER OF THAT TRACT OF LAND DEEDED BY GRANTOR UNDER EVEN DATE HEREWITH TO J W FRAZIER); THENCE EAST TO A POINT 210 FEET EAST OF THE EASTERLY MARGIN OF THE COUNTY ROAD ALONG THE WESTERLY SIDE OF SAID 40 ACRE TRACT; THENCE AT RIGHT ANGLES NORTH 210 FEET; THENCE WEST PARALLEL TO THE SOUTHERLY BOUNDARY OF THIS TRACT TO THE WESTERLY BOUNDARY OF SAID SOUTHWEST QUARTER OF THE SOUTHEAST QUARTER OF SAID SECTION 8; THENCE SOUTH TO THE POINT OF BEGINNING. EXCEPT ROAD. SITUATE IN WHATCOM COUNTY, WASHINGTON. which is the subject of that certain Deed of Trust dated May 26, 2009, recorded May 27, 2009, under Auditor’s File No. 2090504485, records of Whatcom County, Washington, from Joseph D Whiteaker, and Jessica R Whiteaker, Husband and Wife as Grantor, to Recon Trust Company, N.A. as Trustee, to secure an obligation in favor of Mortgage Electronic Registration Systems, Inc., acting solely as nominee for Bank of America N.A, its successors and assigns as Beneficiary, which as assigned by Bank of America, N.A. to Carrington Mortgage Services, LLC under an assignment recorded at Instrument No. 2150600191.

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.

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 monthly payments from the December 1, 2018 installment on in the sum of $6,693.89 together with all fees, costs and or disbursements incurred or paid by the beneficiary and or trustee, their employees, agents or assigns. The Trustee’s fees and costs are estimated at $2,346.64 as of June 13, 2019. The amount to cure the default payments as of the date of this notice is $9,285.63. Payments and late charges may continue to accrue and additional advances to your loan may be made. It is necessary to contact the beneficiary or Trustee prior to the time you tender the reinstatement amount so that you may be advised of the exact amount you would be required to pay.

IV. The sum owing on the obligation secured by the Deed of Trust is: Principal Balance $113,756.95, together with interest in the Note or other instrument secured from November 1, 2018, and such other costs and fees as are due under the Note or other instrument secured, and as are provided by statute. The amount necessary to pay off the entire obligation secured by your Deed of Trust as the date of this notice is $121,581.81. Interest and late charges may continue to accrue and additional advances to your loan may be made. It is necessary to contact the beneficiary or Trustee prior to the time you tender the payoff amount so that you may be advised of the exact amount you would be required to pay.

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. The sale will be made without warranty express or implied regarding title, possession, or encumbrances on October 18, 2019. 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 October 7, 2019 (11 days before the sale date), to cause a discontinuance of the sale. The sale will be discontinued and terminated if at any time on or before October 7, 2019 (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 October 7, 2019 (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 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 addresses: Joseph D. Whiteaker 4120 Valley Hwy Deming, WA 98244 Joseph D. Whiteaker PO Box 551 Deming, WA 98244 Jessica R Whiteaker 4120 Valley Hwy Deming, WA 98244 Jessica R Whiteaker PO Box 551 Deming, WA 98244 Unknown Spouse and/or Domestic Partner of Joseph D. Whiteaker 4120 Valley Hwy Deming, WA 98244 Unknown Spouse and/or Domestic Partner of Joseph D. Whiteaker PO Box 551 Deming, WA 98244 Unknown Spouse and/or Domestic Partner of Jessica R Whiteaker 4120 Valley Hwy Deming, WA 98244 Unknown Spouse and/or Domestic Partner of Jessica R Whiteaker PO Box 551 Deming, WA 98244 by both first class and certified mail on May 10, 2019 proof of which is in the possession of the Trustee; and the Borrower and Grantor were personally served on May 10, 2019 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 above, and whose telephone number is (360) 253-8017 / (877) 430-4787 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 an 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.

$83.43

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 61.24.60.

XI. 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 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) or 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 or National 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 or Web site: http://nwjustice.org/what-clear

XII. A list of the persons this Notice was sent to is attached hereto as exhibit “A”. EXHIBIT “A” Joseph D. Whiteaker 4120 Valley Hwy Deming, WA 98244 Joseph D. Whiteaker PO Box 551 Deming, WA 98244 Jessica R Whiteaker 4120 Valley Hwy Deming, WA 98244 Jessica R Whiteaker PO Box 551 Deming, WA 98244 Unknown Spouse and/or Domestic Partner of Joseph D. Whiteaker 4120 Valley Hwy Deming, WA 98244 Unknown Spouse and/or Domestic Partner of Joseph D. Whiteaker PO Box 551 Deming, WA 98244 Unknown Spouse and/or Domestic Partner of Jessica R Whiteaker 4120 Valley Hwy Deming, WA 98244 Unknown Spouse and/or Domestic Partner of Jessica R Whiteaker PO Box 551 Deming, WA 98244 Mara Snyder The Law Office Mara Snyder, PLLC 119 N Commercial St., Ste 610 Bellingham, WA 98225 Occupant(s) 4120 Valley Hwy Deming, WA 98244

XIII. FAIR DEBT COLLECTION PRACTICES ACT NOTICE: AZTEC FORECLOSURE CORPORATION OF WASHINGTON is attempting to collect a debt and any information obtained will be used for that purpose. If a discharge has been obtained by any party through bankruptcy proceedings, this shall not be construed to be an attempt to collect the outstanding indebtedness or to hold you personally liable for the debt. DATED this 13th day of June, 2019 AZTEC FORECLOSURE CORPORATION OF WASHINGTON By: Inna D. Zagariya Vice President 1499 SE Tech Center Place, Suite 255 Vancouver, WA 98683 (360) 253-8017 / (877) 430-4787 ADDRESS FOR PERSONAL SERVICE Aztec Foreclosure Corporation of Washington 1499 SE Tech Center Place, Suite 255 Vancouver, WA 98683 STATE OF WASHINGTON ) ) SS. COUNTY OF CLARK ) This instrument was acknowledged before me this 13th day of June, 2019, by Inna D. Zagariya, Vice President. Natalie Taras Notary Public in and for the State of Washington My Commission Expires: 3/12/22 NOTARY PUBLIC STATE OF WASHINGTON NATALIE TARAS MY COMMISSION EXPIRES MARCH 12, 2022 NPP0355134 To: FERNDALE RECORD

Published September 18 and October 9, 2019

LEGAL

NOTICE OF TRUSTEE’S SALE

Pursuant to the Revised Code of Washington 61.24, et seq.108 1st Ave South, Suite 202, Seattle, WA 98104 Trustee Sale No.: WA-19-857146-RM

Title Order No.: 8753309

Reference Number of Deed of Trust:

Instrument No. 2120903532

Parcel Number(s): 3803285391890000/72788

Grantor(s) for Recording Purposes under RCW 65.04.015: JEFFREY A CHAPMAN, A MARRIED PERSON AS HIS SEPARATE ESTATE

Current Beneficiary of the Deed of Trust and Grantee (for Recording Purposes under RCW 65.04.015): M&T Bank

Current Trustee of the Deed of Trust: Quality Loan Service Corporation of Washington

Current Loan Mortgage Servicer of the Deed of Trust: M&T Bank

I.NOTICE IS HEREBY GIVEN that Quality Loan Service Corp. of Washington, the undersigned Trustee, will on 11/8/2019, 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 WEST 65.5 FEET OF THE NORTH HALF OF LOT 2, BLOCK 3, PLAT OF WHATCOM FALLS ADDITION TO THE CITY OF BELLINGHAM, ACCORDING TO THE PLAT THEREOF, RECORDED IN VOLUME 5 OF PLATS, PAGE 37, RECORDS OF WHATCOM COUNTY, WASHINGTON. SUTUATE IN WHATCOM COUNTY, WASHINGTON More commonly known as: 3834 FRASER STREET, BELLINGHAM, WA 98229 Subject to that certain Deed of Trust dated 9/25/2012, recorded 9/28/2012, under Instrument No. 2120903532 records of WHATCOM County, Washington, from JEFFREY A CHAPMAN, A MARRIED PERSON AS HIS SEPARATE ESTATE, as grantor(s), to WHATCOM LAND TITLE, as original trustee, to secure an obligation in favor of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. (MERS) AS NOMINEE FOR M&T bak, ITS SUCCESSORS AND ASSIGNS, as original beneficiary, the beneficial interest in which was subsequently assigned to M&T Bank, the Beneficiary, under an assignment recorded under Auditors File Number 2017-0900353 xxx xxx

II. No action commenced by the Beneficiary of the Deed of Trust as referenced in RCW 61.21.030(4) 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: $12,531.57.

IV. The sum owing on the obligation secured by the Deed of Trust is: The principal sum of $214,874.57, together with interest as provided in the Note from 11/1/2018 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 11/8/2019. The defaults referred to in Paragraph III must be cured by 10/28/2019 (11 days before the sale date), or by other date as permitted in the Note or Deed of Trust, to cause a discontinuance of the sale. The sale will be discontinued and terminated if at any time before 10/28/2019 (11 days before the sale), or by other date as permitted in the Note or Deed of Trust, 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 10/28/2019 (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(s) and Grantor(s) 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. The list of recipients of the Notice of Default is listed within the Notice of Foreclosure provided to the Borrower(s) and Grantor(s). These requirements were completed as of 5/22/2019.

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.

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. 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 Additional information provided by the Trustee: 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 noteholders rights against the real property only. The Trustee’s Sale Number is WA-19-857146-RM.

Dated: 6/24/2019

Quality Loan Service Corp. of Washington, as Trustee By: Maria Montana, Assistant Secretary

Trustee’s Address: Quality Loan Service Corp. of Washington 108

1st Ave South, Suite 202,

Seattle, WA 98104

For questions call toll-free: (866) 925-0241

Trustee Sale Number: WA-19-857146-RM

Sale Line: 800-280-2832 or Login to: http://wa.qualityloan.com

IDSPub #0154341

Published October 9 & 30, 2019

LEGAL

NOTICE OF TRUSTEE’S SALE

Pursuant to the Revised Code of Washington 61.24, et seq.

108 1st Ave South, Suite 202, Seattle, WA 98104

Trustee Sale No.: WA-19-854879-BB

Title Order No.: 190750489-WA-MSI

Reference Number of Deed of Trust: Instrument No. 2060801243

Parcel Number(s): 370307 186527 0000

Grantor(s) for Recording Purposes under RCW 65.04.015: JOSEPH S PADILLA, AN UNMARRIED INDIVIDUAL, AS HIS SEPARATE ESTATE

Current Beneficiary of the Deed of Trust and Grantee (for Recording Purposes under RCW 65.04.015): JPMORGAN CHASE BANK, NATIONAL ASSOCIATION

Current Trustee of the Deed of Trust: Quality Loan Service Corporation of Washington

Current Loan Mortgage Servicer of the Deed of Trust: JP Morgan Chase Bank, N.A.

I.NOTICE IS HEREBY GIVEN that Quality Loan Service Corp. of Washington, the undersigned Trustee, will on 11/8/2019, 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:

LOTS 37 & 38 BLOCK 4, PLAT OF CONNELLY ADDITION, FAIRHAVEN, WASHINGTON, WHATCOM COUNTY, WASHINGTON, ACCORDING TO THE PLAT THEREOF, RECORDED IN VOLUME 2 OF PLATS, PAGE 85, RECORDS OF WHATCOM COUNTY, WASHINGTON. More commonly known as: 2903 COWGILL AVE, BELLINGHAM, WA 98225 Subject to that certain Deed of Trust dated 8/2/2006, recorded 8/8/2006, under Instrument No. 2060801243 records of WHATCOM County, Washington, from JOSEPH S PADILLA, AN UNMARRIED INDIVIDUAL, AS HIS SEPARATE ESTATE, as grantor(s), to WHATCOM LAND TITLE COMPANY, as original trustee, to secure an obligation in favor of WASHINGTON MUTUAL BANK, FA, as original beneficiary, the beneficial interest in which was subsequently assigned to JPMORGAN CHASE BANK, NATIONAL ASSOCIATION, the Beneficiary, under an assignment recorded under Auditors File Number 2150400160

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: $11,118.84.

IV. The sum owing on the obligation secured by the Deed of Trust is: The principal sum of $170,146.86, together with interest as provided in the Note from 10/1/2018 on, and such other costs and fees as are provided by statute.

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.

SEEKING ASSISTANCE

Dated: 6/27/2019

Quality Loan Service Corp. of Washington, as Trustee By: Patrick Lynch, Assistant Secretary

Trustee’s Address: Quality Loan Service Corp. of Washington

108 1st Ave South, Suite 202, Seattle, WA 98104

For questions call toll-free: (866) 925-0241

Trustee Sale Number: WA-19-854879-BB

Sale Line: 800-280-2832 or Login to: http://wa.qualityloan.com IDSPub #0154487

Published October 9 & 30, 2019

LEGAL

TS No WA05000249-18-1

TO No 02-18094748

NOTICE OF TRUSTEE’S SALE

PURSUANT TO THE REVISED CODE OF WASHINGTON CHAPTER 61.24 ET. SEQ. Grantor: LORRAINE D WINGFIELD, AN UNMARRIED PERSON Current Beneficiary of the Deed of Trust: Bayview Loan Servicing, LLC Original Trustee of the Deed of Trust: PROFESSIONAL FORECLOSURE CORPORATION OF WASHINGTON Current Trustee of the Deed of Trust: MTC Financial Inc. dba Trustee Corps Current Mortgage Servicer of the Deed of Trust: Bayview Loan Servicing, LLC Reference Number of the Deed of Trust: Instrument No. 2050400768 Parcel Number: 3803152372110002 I. NOTICE IS HEREBY GIVEN that on November 8, 2019, 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: UNIT NO. 1487-B OF SIXTH AMENDMENT TO BRITTON COURT CONDOMINIUM, ACCORDING TO THE DECLARATION THEREOF, RECORDED UNDER WHATCOM COUNTY AUDITOR`S FILE NUMBER 1991002537, UNDER THAT CERTAIN DECLARATION RECORDED UNDER AUDITOR`S FILE NO. 1981203534 AND AS AMENDED THERETO, RECORDS OF WHATCOM COUNTY, WASHINGTON. SITUATE IN WHATCOM COUNTY, WASHINGTON. APN: 3803152372110002 More commonly known as 1487 B BRITTON CT, BELLINGHAM, WA 98226 which is subject to that certain Deed of Trust dated March 29, 2005, executed by LORRAINE D WINGFIELD, AN UNMARRIED PERSON as Trustor(s), to secure obligations in favor of UNION PLANTERS BANK, N.A. D/B/A REGIONS MORTGAGE as original Beneficiary recorded April 5, 2005 as Instrument No. 2050400768 and the beneficial interest was assigned to BAYVIEW LOAN SERVICING, LLC and recorded January 31, 2018 as Instrument Number 2018-0103358 of official records in the Office of the Recorder of Whatcom County, Washington. II. No action commenced by Bayview Loan Servicing, LLC, 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. 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 July 1, 2018 To July 1, 2019 Number of Payments 1 $998.05 11 $1,071.39 1 $789.57 Total $13,572.91 LATE CHARGE INFORMATION July 1, 2018 July 1, 2019 $0.00 PROMISSORY NOTE INFORMATION Note Dated: March 29, 2005 Note Amount $220,800.00 Interest Paid To: June 1, 2018 Next Due Date: July 1, 2018 Current Beneficiary: Bayview Loan Servicing, LLC Contact Phone No: 800.457.5105 Address: 4425 Ponce de Leon Blvd., Mail Stop MS5/251, Coral Gables, FL 33146 IV. The sum owing on the obligation secured by the Deed of Trust is: The principal sum of $161,419.49, 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 8, 2019. The defaults referred to in Paragraph III must be cured by October 28, 2019, (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 October 28, 2019 (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 October 28, 2019 (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 entire 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 current Beneficiary, Bayview Loan Servicing, LLC or Trustee to the Borrower and Grantor at the following address(es): ADDRESS UNKNOWN SPOUSE OF LORRAINE D WINGFIELD 1487 B BRITTON CT, BELLINGHAM, WA 98226 LORRAINE D WINGFIELD 1487 B BRITTON CT, BELLINGHAM, WA 98226 by both first class and certified mail on April 11, 2019, proof of which is in the possession of the Trustee; and the Borrower and Grantor were personally served with said written Notice of Default or the written Notice of Default was posted in a conspicuous place April 11, 2019 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. 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. Notice to Borrower(s) who 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 Dated: July 1, 2019 MTC Financial Inc. dba Trustee Corps, as Duly Appointed Successor Trustee By: Alan Burton, Vice President 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 CorpsOrder Number 61351

Published October 9 & 30, 2019

LEGALS- OCTOBER 9, 2019

FERNDALE

PUBLIC NOTICE

NOTICE OF TRUSTEE’S SALE

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