Elgin 4256065

LOT 26, LOVIISA FARMS II, PHASE 8, ACCORDING TO THE PLAT THEREOF RECORDED IN VOLUME "D" OF PLATS, PAGE 316, RECORDS OF FRANKLIN COUNTY, WASHINGTON. Tax Parcel No: 118 010 247, commonly known as 4519 GALWAY LANE , PASCO, WA

NOTICE OF TRUSTEE'S SALE Pursuant to RCW. Chapter 61.24, et seq. Trustee's Sale No: WA-USB-12012388 Loan No. 6830039977 I NOTICE IS HEREBY GIVEN that the undersigned Trustee. PEAK FORECLOSURE SERVICES OF WASHINGTON, INC., will on September 14, 2012, at the hour of 10:00 AM, at THE MAIN ENTRANCE TO THE FRANKLIN COUNTY COURTHOUSE, 1016 NORTH FOURTH STREET, PASCO, WA, sell at public auction to the highest and best bidder, payable at the time of sale, the following described real and personal property (hereafter referred to collectively as the "Property"), situated in the County of FRANKLIN, State of Washington: LOT 26, LOVIISA FARMS II, PHASE 8, ACCORDING TO THE PLAT THEREOF RECORDED IN VOLUME "D" OF PLATS, PAGE 316, RECORDS OF FRANKLIN COUNTY, WASHINGTON. Tax Parcel No: 118 010 247, commonly known as 4519 GALWAY LANE , PASCO, WA. The Property is subject to that certain Deed of Trust dated 3/17/2009, recorded 3/20/2009 , under Auditor's/Recorder's No. 1731694, records of FRANKLIN County, Washington, from JAMES L. ELGIN AND ANDREA R. ELGIN, HUSBAND AND WIFE, as Grantor, to ROUTH CRABTREE OLSEN-JAMES MIERSMA, as Trustee, in favor of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., as Beneficiary, the beneficial interest in which is presently held by U.S. BANK NATIONAL ASSOCIATION. 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/are made are as follows: FAILURE TO PAY THE MONTHLY PAYMENT WHICH BECAME DUE ON 10/1/2011, AND ALL SUBSEQUENT MONTHLY PAYMENTS, PLUS LATE CHARGES AND OTHER COSTS AND FEES AS SET FORTH. Other potential defaults do not involve payment to the Beneficiary. If applicable, each of these defaults must also be cured. Listed below are categories of common defaults which do not involve payment of money to the Beneficiary. Opposite of each such listed default is a brief description of the action/documentation necessary to cure the default. The list does not exhaust all possible other defaults; any defaults identified by Beneficiary or Trustee that are not listed below must also be cured. Other default, Action necessary to cure Nonpayment of Taxes/Assessments Deliver to Trustee written proof that all taxes and assessments against the property are paid current Default under any senior lien Deliver to Trustee written proof that all senior liens are paid current and that no other defaults exist. Failure to insure property against hazard Deliver to Trustee written proof that the property is insured against hazard as required by the Deed of Trust. 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 IV The sum owing on the obligation secured by the Deed of Trust is: Principal $132,665.57, 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 expenses 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 September 14, 2012. The default(s) referred to in paragraph III must be cured by September 3, 2012 (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 September 3, 2012, (11 days before the sale date) the defaults) as set forth in paragraph III is/are cured and the Trustee's fees and costs are paid. The sale may be terminated at any time after September 3, 2012, (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: ANDREA R. ELGIN, 4519 GALWAY LANE, PASCO, WA, 99301 JAMES L ELGIN, 4519 GALWAY LANE, PASCO, WA, 99301 by both first class and certified mail on 04/30/2012, proof of which is in the possession of the Trustee; and on 4/30/2012, 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's Sale will be held in accordance with Ch. 61.24 RCW and anyone wishing to bid at the sale will be required to have in his/her possession at the time the bidding commences, cash, cashier's check, or certified check in the amount of at least one dollar over the Beneficiary's opening bid. in addition, the successful bidder will be required to pay the full amount of his/her bid in cash, cashier's check, or certified check within one hour of the making of the bid. 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 of 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 same 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 proceeding under the Unlawful Detainer Act, Chapter 59.12 RCW. Sale Information Line: 714-730-2727 or Website: http://www.lpsasap.com DATED: May 30, 2012. PEAK FORECLOSURE SERVICES OF WASHINGTON, INC., AS TRUSTEE 2505 3rd Ave., Suite 100, Seattle, WA 98121 By: Lilian Solano, Trustee Sale Officer A-4256065 08/09/2012, 08/30/2012