NOTICE OF TRUSTEE'S SALE
LOTS 15 AND 16 AND THE WEST HALF OF LOT 17, BLOCK 17, G.K. REED'S TOWN PLAT OF COULEE CITY, ACCORDING TO THE PLAT THEREOF RECORDED IN VOLUME 1 OF PLATS, PAGE 2, RECORDS OF GRANT COUNTY, WASHINGTON
PURSUANT TO THE REVISED CODE OF WASHINGTON, CHAPTER 61.24, et seq.
TO: Ingrid E. Carraher Occupants Ingrid E. Carraher
112 West Douglas Street 112 West Douglas Street PO Box 367
Coulee, WA 99115 Coulee, WA 99115 Coulee City, WA 99115
THIS NOTICE IS THE FINAL STEP BEFORE THE FORECLOSURE SALE OF YOUR HOME.
You only have 20 DAYS from the recording date on this notice to pursue mediation.
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 our 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 Web site: www.homeownership.wa.gov
The United States Department of Housing and Urban Development
Telephone: 800-569-4287
Web site: http://hud.gov/offices/hsg/sfh/hcc/hcs.cfm?&webListAction=search&searchstate=WA
The statewide civil legal aid hotline for assistance and referrals to other housing counselors and attorneys
Telephone: 800-606-4819 Web site: http://www.ocla.wa.gov/
I.
NOTICE IS HEREBY GIVEN that the undersigned Trustee, Anthony V. Harris, will on March 8, 2013, at the hour of 10:00 a.m., at the Grant County Courthouse, at the Police Justice County Building, 401 South Balsam Street, Moses Lake, WA, State of 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:
LOTS 15 AND 16 AND THE WEST HALF OF LOT 17, BLOCK 17, G.K. REED'S TOWN PLAT OF COULEE CITY, ACCORDING TO THE PLAT THEREOF RECORDED IN VOLUME 1 OF PLATS, PAGE 2, RECORDS OF GRANT COUNTY, WASHINGTON
Assessor's Property Tax Parcel/Account No. 07-0305-000
which is subject to that certain Deed of trust dated November 17, 2005, recorded November 30, 2005, under Auditor's File No. 1181368, records of Grant County, Washington, from Ingrid E. Carraher, an unmarried woman, as Grantor, to Chicago Title Insurance, as Trustee to secure an obligation in favor of Boeing Employees' Credit Union, 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 default(s) for which this foreclosure is made is/are as follows:
A. Failure to pay when due the following amounts which are now in arrears: $3,402.20, plus interest, late charges and attorneys fees which are continuing to accrue.
B.
Default Description of Action Required to Cure and
Documentation Necessary to Show Cure
1. Sewage Lien Notice in 1. Payment in full and proof of payment in full Sewage Lien
favor of Town of Coulee Notice in favor of Town of Coulee City.
City, recording no.
1305238.
IV.
The sum owing on the obligation secured by the Deed of Trust is: Principal $39,557.78, together with interest as provided in the note or other instrument secured from November 17, 2005, 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. The sale will be made without warranty, express or implied, regarding title, possession, or encumbrances on March 8, 2013. The default(s) referred to in paragraph III must be cured by February 25, 2013 (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 February 25, 2013 (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 February 25, 2013, (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:
Ingrid E. Carraher Ingrid E. Carraher
112 West Douglas Street PO Box 367
Coulee, WA 99115 Coulee City, WA 99115
by both first class and certified mail on August 6, 2012, proof of which is in the possession of the Trustee; and 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 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 Grantors 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.
Dated this 19th day of October, 2013.
Anthony V. Harris, Successor Trustee
c/o BECU
PO Box 97050, MS 1049-1
Seattle, WA 98124
(206) 812-5133
#02027/2871700
Pub.: February 6 & 27, 2013