As of Tuesday, January 21, 2014
(2014-038 Jan. 22 & Feb. 12)
AMENDED NOTICE OF TRUSTEE’S SALE Pursuant to the Revised Code of Washington Chapter 61.24, et seq. T.S. No: D537253 WA Unit Code: D Loan No: 700818849-1/ANDERSON AP #1: 5010180000 AP #2: 5010180001 This notice replaces any previous “NOTICE OF TRUSTEE’S SALE” affecting the same Deed of Trust. 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. Notice of Trustee’s Sale to be recorded on 12/31/13. 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: 1-877-894-HOME (4663) Website: www.homeownership.wa.gov The United States Department of Housing and Urban Development Telephone: 1-800-569-4287 Website: www.hud.gov The statewide civil legal aid hotline for assistance and referrals to other housing counselors and attorneys Telephone: 1-800-606-4819 Website: www.nwjustice.org/what-clear I NOTICE IS HEREBY GIVEN THAT the undersigned trustee, T.D. SERVICE COMPANY OF WASHINGTON, 4000 W. Metropolitan Drive, Suite 400, Orange, CA 92868, will on FEBRUARY 21, 2014 at the hour of 10:00 A.M. AT THE MAIN ENTRANCE TO THE OKANOGAN COUNTY COURTHOUSE 149 3RD NORTH, OKANOGAN, State of WASHINGTON, sell at public auction to the highest and best bidder, payable at the time of the sale, the following described real property, situated in the County of OKANOGAN, State of WASHINGTON, to Wit: LOT 18, EMMANUEL HEIGHTS, AS PER PLAT THEREOF RECORDED IN VOLUME H OF PLATS, SECTION 3, PAGE 16, RECORDS OF THE AUDITOR OF OKANOGAN COUNTY, WASHINGTON. SITUATE IN THE COUNTY OF OKANOGAN, STATE OF WASHINGTON. The street or other common designation if any, of the real property described above is purported to be: 47 DANIEL DR, BREWSTER, WA 98812 The undersigned Trustee disclaims any liability for any incorrectness of the above street or other common designation. which is subject to that certain Deed of Trust dated July 19, 2004, recorded July 21, 2004, under Auditor’s File No. 3077569 in Book --- Page --- , records of OKANOGAN County, WASHINGTON, from KEITH L ANDERSON as Grantor, to BAINES TITLE COMPANY as Trustee, to secure an obligation in favor of STERLING SAVINGS BANK as Beneficiary. AND CHANGE IN TERMS AGREEMENT(S) DATED 07/20/09, DATED 11/30/09 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: 1 PYMT DUE 02/01/12 @ 349.85 $349.85 2 PYMTS FROM 03/01/12 TO 04/01/12 @ 689.87 $1,379.74 2 PYMTS FROM 05/01/12 TO 06/01/12 @ 713.84 $1,427.68 10 PYMTS FROM 07/01/12 TO 04/01/13 @ 955.55 $9,555.50 9 PYMTS FROM 05/01/13 TO 01/01/14 @ 978.94 $8,810.46 TOTAL LATE CHARGES $1,780.88 ADVANCE - ATTORNEY FEES $1,681.00 APPRAISAL FEE $1,124.00 PROPERTY INSPECTION $729.00 IMPOUND/ESCROW DEFICIT $8,818.73 MISCELLANEOUS FEES $515.00 Sub-total of amounts in arrears: $36,171.84 As to the defaults which do not involve payment of money to the Beneficiary of your Deed of Trust, you must cure each such default. Listed below are the defaults which do not involve payment of money to the Beneficiary of your Deed of Trust. Opposite each such listed default is a brief description of the action necessary to cure the default and a description of the documentation necessary to show that the default has been cured. IV The sum owing on the obligation secured by the Deed of Trust is principal $76,660.38 together with interest as provided in the note or other instrument secured from 03/17/12, 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 the 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 02/21/14. The default(s) referred to in paragraph III must be cured by 02/10/14, (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 02/10/14, (11 days before the sale date), the default(s) as set forth in paragraph III is/are cured and the Trustee’s fees and costs are paid. The sale may be terminated any time after 02/10/14, (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 address: KEITH L. ANDERSON 47 DANIEL DR BREWSTER, WA 98812 SPOUSE OF KEITH L. ANDERSON 47 DANIEL DR BREWSTER, WA 98812 OCCUPANT 47 DANIEL DR BREWSTER, WA 98812 KEITH L. ANDERSON P.O. BOX 745 BREWSTER, WA 98812-0745 SPOUSE OF KEITH L. ANDERSON P.O. BOX 745 BREWSTER, WA 98812-0745 by both first class and certified mail on June 6, 2012, proof of which is in the possession of the Trustee; and the Borrower and Grantor were personally served on June 6, 2012 , 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 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. XI NOTICE TO GUARANTORS 1. If you are a guarantor of the obligations secured by the deed of trust, you may be liable for a deficiency judgment to the extent the sale price obtained at the trustee’s sale is less than the debt secured by the deed of trust. 2. You have the same rights to reinstate the debt, cure the default, or repay the debt as is given to the grantor in order to avoid the trustee’s sale. 3. You will have no right to redeem the property after the trustee’s sale. 4. Subject to such longer periods as are provided in the Washington Deed of Trust Act, Chapter 61.24 RCW, any action brought to enforce a guaranty must be commenced within one year after the trustee’s sale, or the last trustee’s sale under any other deed of trust granted to secure the same debt. 5. In any action for a deficiency, you will have the right to establish the fair value of the property as of the date of the trustee’s sale, less prior liens and encumbrances, and to limit your liability for a deficiency to the difference between the debt and the greater of such fair value or the sale price paid at the trustee’s sale, plus interest and costs. Notice and other personal service may be served on the Trustee at: T.D. SERVICE COMPANY OF WASHINGTON 2611 NE 113th Street Suite 300 Seattle, WA 98125 (800) 843-0260 (206) 859-6989 DATED: December 27, 2013 T.D. SERVICE COMPANY OF WASHINGTON, SUCCESSOR TRUSTEE By JOANNA L. DEVELASCO, ASSISTANT SECRETARY 4000 W. Metropolitan Drive Suite 400 Orange, CA 92868 (800) 843-0260 (206) 859-6989 If the Trustee is unable to convey title for any reason, the successful bidder’s sole and exclusive remedy shall be the return of monies paid to the Trustee, and the successful bidder shall have no further recourse. If available, the expected opening bid and/or postponement information may be obtained by calling the following telephone number(s) on the day before the sale: (714) 480-5690 or you may access sales information at www.tacforeclosures.com/sales TAC# 967405 PUB: 01/22/14, 02/12/14
Published by the Omak-Okanogan County Chronicle.