NOTICE OF TRUSTEE'S SALE
PURSUANT TO THE REVISED CODE OF WASHINGTON CHAPTER 61.24 ET. SEQ. Loan No: 0602123885 APN: 12-1138-083 TS No: WA-237451-C I. NOTICE IS HEREBY GIVEN that LSI Title Agency, Inc., the undersigned Trustee will on 6/4/2010, at 10:00 AM at The Police Justice Court Building, 401 Balsam Street in the City of Moses Lake, Washington 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 Grant, State of Washington, to-wit: LOT 4, WILLOW CREST ESTATES, PHASE 1, ACCORDING TO THE PLAT THEREOF RECORDED IN VOLUME 24 OF PLATS, PAGE 64, RECORDS OF GRANT COUNTY, WASHINGTON. Commonly known as: 3048 VALLEY RD NE MOSES LAKE, Washington 98837 which is subject to that certain Deed of Trust dated 7/28/2008, recorded 7/30/2008, under Auditor's File No. 1240882, in Book , Page records of Grant County, Washington, from CHADWICK APPLEBY, SINGLE MAN, as Grantor(s), to GRANT COUNTY TITLE CO, as Trustee, to secure an obligation in favor of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS NOMINEE FOR GLOBAL ADVISORY GROUP, INC. DBA MORTGAGE ADVISORY GROUP A WASHINGTON CORPORATION, as Beneficiary, the beneficial interest in which was assigned by MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS NOMINEE FOR GLOBAL ADVISORY GROUP, INC. DBA MORTGAGE ADVISORY GROUP A WASHINGTON CORPORATION to GMAC MORTGAGE, LLC FKA GMAC MORTGAGE CORPORATION. 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. äó€ 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: PAYMENT INFORMATION FROM 10/1/2009 THRU 2/26/2010 NO.PMT 5 AMOUNT $2,428.26 TOTAL $12,141.30 LATE CHARGE INFORMATION FROM 10/1/2009 THRU 2/26/2010 NO. LATE CHARGES 5 TOTAL $468.80 PROMISSORY NOTE INFORMATION Note Dated: 7/28/2008 Note Amount: $300,600.00 Interest Paid To: 9/1/2009 Next Due Date: 10/1/2009 IV. The amount to cure defaulted payments as of the date of this notice is $16,319.31. Payments and late charges may continue to accrue and additional advances to your loan may be made, it is necessary to contact the beneficiary 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. As of the dated date of this document the required amount to payoff the obligation secured by the Deed of Trust is: $310,270.19 (note: due to interest, late charges and other charges that may vary after the date of this notice, the amount due for actual loan payoff may be greater). The principal sum of $296,862.99, together with interest as provided in the Note from the 10/1/2009, 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 6/4/2010. The defaults referred to in Paragraph III must be cured by 5/24/2010, (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 5/24/2010 (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 cashier's or certified checks from a State or federally chartered bank. The sale may be terminated any time after the 5/24/2010 (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 Beneficiary or Trustee to the Borrower and Grantor at the following address(es): CHADWICK APPLEBY, SINGLE MAN 3048 VALLEY RD NE MOSES LAKE, Washington 98837 CHADWICK APPLEBY 3048 VALLEY RD NE MOSES LAKE, WA 98837 by both first class and certified mail on 1/27/2010, proof of which is in the possession of the Trustee; and the Borrower and Grantor were personally served, if applicable, with said written Notice of Default or the written Notice of Default was posted in a conspicuous place on the real property described in Paragraph I above, and the Trustee has possession of proof of such service or posting. VII. The Trustee whose name and address are set forth below will provide in writing to anyone requesting it, a statement of all costs and fees due at any time prior to the sale. VIII. The effect of the sale will be to deprive the Grantor and all those who hold by, through or under the Grantor of all their interest in the above described property. IX. Anyone having any objections to this sale on any grounds whatsoever will be afforded an opportunity to be heard as to those objections if they bring a lawsuit to restrain the sale pursuant to RCW 61.24.130. Failure to bring such a lawsuit may result in a waiver of any proper grounds for invalidating the 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 and tenants. After the 20th day following the sale the purchaser has the right to evict occupants and tenants by summary proceedings under the Unlawful Detainer Act, Chapter 59.12 RCW. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. DATED: 2/26/2010 LSI Title Agency, Inc. 1111 Main St., #200 Vancouver, WA 98660 Sale Line:: 714-730-2727 Gina Avila Authorized Signatory ASAP# 3466667 05/07/2010, 05/28/2010
#05025/989352
Pub.: May 7 & 28, 2010
NOTICE OF TRUSTEE'S SALE
PURSUANT TO THE REVISED CODE OF WASHINGTON CHAPTER 61.24 RCW:
I.
NOTICE IS HEREBY GIVEN that the undersigned Trustee, HACKER & WILLIG, INC., P.S., will on July 2, 2010 at 10:00 a.m. at the following location: At the Police Justice County Building, 401 Balsam Street, Moses Lake, Washington, sell at public auction to the highest and best bidder, payable at the time of sale, the following-described real property, situated in the County of Grant, State of Washington, to wit:
Lot 85, Dune Lakes, Planned Unit Development, according to the plat thereof recorded in Volume 20 of Plats, pages 60-70, records of Grant County, Washington.
The address of said property is: 7496 Dune Lake Road SE, Moses Lake, WA 98837.
Assessor's Tax Parcel ID: 12-0154-385.
The afore-described real property is subject to that certain Deed of Trust dated March 11, 2004 and recorded on March 31, 2004, under Auditor's File No. 1145966, records of Grant County Washington from Mitchell P. King, as his separate estate, as Grantor, to Northwest Financial Corporation, a Washington corporation, as Trustee, to secure an obligation in favor of Mortgage Electronic Registration Systems, Inc., "MERS" solely as nominee for Banner Bank, its successors and assigns, as Beneficiary.
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 defaults for which this foreclosure is made are as follows:
August 1, 2009 - March 29, 2010
8 Payments @ $2,987.00: $23,896.00
8 Late Charges @ $108.83: $870.64
Total Due: $24,766.64
Other potential defaults pursuant to the terms of the Promissory Note ("Note") secured by the Deed of Trust may exist which do not involve payment to the Beneficiary. If applicable, each of these defaults must be cured. Listed below are categories of common defaults which do not involve payment of money to the Beneficiary. Opposite each listed default is a brief description of the action and/or documentation necessary to cure the potential default. This list does not exhaust all possible other defaults; any defaults identified by the Beneficiary or Trustee that are not listed below must also be cured.
OTHER DEFAULT/CURE
Nonpayment of Taxes/Assessments/Written proof to the Trustee that all taxes and assessments against the property are paid current;
Default under any senior lien/Written proof to the Trustee that all senior liens are paid current and that no other defaults exist;
Waste/Cease and desist from committing waste, repair all damage to property and maintain property as required in Deed of Trust;
Unauthorized sale of property (Due on Sale)/Revert title to permitted vestee.
Costs and Fees
In addition to the amounts in arrears specified above, you are or may be obligated to pay the following estimated charges, costs and fees to pay off the Deed of Trust.
Trustee's or Attorneys' Fees: $1,700.00
Title Report: $1,181.51
Recording Fees: $80.00
Posting of Notice of Default: $65.00
Posting of Notice of Sale: $65.00
Postage: $80.00
Photocopies: $35.00
Long distance telephone charges: $20.00
Federal Express: $20.00
ESTIMATED TOTAL CHARGES, COSTS AND FEES: $3,246.51
ESTIMATED TOTAL BREACH AMOUNTS: $24,766.64
Total Current Estimated Reinstatement Amount: $28,013.15
The estimated amounts that will be due to reinstate on June 21, 2010 (11 days before the sale date):
Additional Arrearages
March 29, 2010 - June 21, 2010
3 Payments @ $2,987.00: $8,961.00
3 Late Charges @ $108.83: $326.49
Subtotal: $9,287.49
Additional Costs and Fees
Estimated Additional Trustee's/attorneys' fees: $0.00
Estimated Publication Costs: $1,500.00
Subtotal: $1,500.00
Total Estimated Reinstatement Amount as of June 21, 2010:
$38,800.64
IV.
The sum owing on the obligation secured by the Deed of Trust is: Principal $354,686.63, together with interest as provided in the underlying Note and such other costs and fees as are due under the Note and Deed of Trust and as are provided by statute. Of course, as time passes other payments may become due, and any further payments coming due and any additional late charges must be added to the reinstating payment. Any new defaults not involving payment of money that occur after the date of this notice must also be cured in order to effect reinstatement. In addition, because some of the charges can only be estimated at this time and because the amount necessary to reinstate may include presently unknown expenditures required to preserve the property, or to comply with state or local laws, it is necessary for you to contact the Trustee before the time you tender reinstatement so that you may be advised of the exact amount you will be required to pay. Tender of payment or performance must be in the full amount by certified funds or cash equivalent to the trustee whose address is:
HACKER & WILLIG, INC., P.S., 1501 Fourth Avenue, Suite 2150, Seattle, Washington, 98101-3225; (206)340-1935.
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 July 2, 2010. The defaults referred to in Paragraph III must be cured by June 21, 2010, to cause a discontinuance of sale. The sale will be discontinued and terminated if at any time on or before June 21, 2010 the defaults as set forth in Paragraph III are cured and the Trustee's fees and costs are paid. The sale may be terminated any time after June 21, 2010, 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 Trustee to the Borrower and Grantor and any successor at the following addresses:
Mitchell P. King, 7496 Dune Lake Road SE, Moses Lake, WA 98837; Michelle Marie-Kaelin King, 7496 Dune Lake Road SE, Moses Lake, WA 98837; Occupants/Tenants, 7496 Dune Lake Road SE, Moses Lake, WA 98837; Mitchell P. King c/o Joseph R. Jackson, Jackson Law Offices, 230 Grant Road, Suite B23, East Wenatchee, WA 98802;
Mitchell P. King c/o DeForest Neil Fuller, PO Box 3364, Wenatchee, WA 98807-3364;
by both first class and certified mail on February 16, 2010 proof of which is in the possession of the Trustee; and on February 18, 2010 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 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 an objection to the sale on any grounds whatsoever is afforded an opportunity to be heard as to those objections if they bring a lawsuit to restrain the sale pursuant to the Revised Code of Washington, Chapter 61.24.130. Failure to bring such a lawsuit may result in a waiver of any proper grounds for invalidating the Trustee's Sale. Service of process of any lawsuit or legal action may be made on Hacker & Willig, Inc. P.S., whose address is 1501 Fourth Avenue, Suite 2150, Seattle, WA 98101-3225.
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 Guarantor:
The Guarantor 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. In any action for a deficiency, the Guarantor 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 its 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.
The Guarantor has 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. The Guarantor will have no right to redeem the property after the Trustee's sale. Any action to enforce a guaranty must be commenced within one year after the Trustee's sale, or the last Trustee's sale under any deed of trust granted to secure the same debt (subject to such longer periods as are provided in RCW 61.24).
DATED this 29th day of March, 2010
HACKER & WILLIG, INC., P.S., Trustee
By: /s/ Arnold M. Willig Arnold M. Willig
This notice is an attempt to collect a debt and any information obtained will be used for that purpose.
For further information, please call Kristen Evans at (206)340-1935.
#06004/1020804
Pub.: May 28 & June 18, 2010
AIRMAN'S BEACH/CONNELLY PARK IMPROVEMENT
MEETINGS BEGIN
Design Concept - Come and Give Your Input!
In 1980 the Moses Lake Irrigation and Rehabilitation District purchased 126 acres known as Airman's Beach, later named Connelly Park, from the Government of the United States. The "Program of Utilization" stipulation is the area "will be used for park and recreation purposes."
Within the past few years many community leaders, local associations and citizens have been asking MLIRD if the Park will ever be expanded. Interested parties have stated the need for year-round campgrounds and additional sporting event accommodations for our community.
For the past three years MLIRD management has been discussing the need to move forward with the "Program of Utilization". The opportunity to make this central location in the State of Washington become a focal point for an Interpretive Center and Water Quality Institute has been gaining momentum. Blending recreation and education aspects of our area seem to be a perfect blend for this location.
We invite you to join us in a design concept discussion in the Commons at Moses Lake High School. Thursday, June 17, 2010 at 7:00 p.m.
#06011/1023606
Pub.: May 28 & June 4, 2010