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WE ARE A DEBT in Everett, WA 98201, US

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Location: Everett, WA 98201, US
Category: Events and Notices - Legal and Public Notices
Posted: 01/24/2020
Contact: 877-894-4663

Details

WE ARE A DEBT COLLECTOR. THIS COMMUNICATION IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. NOTICE OF TRUSTEE'S SALE I NOTICE IS HEREBY GIVEN that the undersigned Weinstein & Riley, P.S. will on February 28, 2020 at 10:00 AM on the steps in front of the North entrance to the Snohomish County Courthouse, 3000 Rockefeller Avenue, Everett, WA 98201, 3000 Rockefeller Avenue, Everett, WA 98201 located at Snohomish County, State of Washington, sell at public auction to the highest bidder, payable at the time of sale, the following described real property, situated in Snohomish County, State of Washington, to-wit; LOT 21 OF LORD'S LAKE DIVISION 1, AS PER PLAT RECORDED IN VOLUME 62 OF PLATS, PAGES 42 THROUGH 46, INCLUSIVE RECORDS OF SNOHOMISH COUNTY AUDITOR; TOGETHER WITH THAT PORTION OF THE EAST 330 FEET OF THE SOUTHWEST QUARTER OF THE SOUTHWEST QUARTER OF SECTION 2, TOWNSHIP 27 NORTH, RANGE 6 EAST, W.M. DESCRIBED AS FOLLOWS: COMMENCING AT THE SOUTHEAST CORNER OF LOT 21, LORD'S LAKE DIVISION 1, ACCORDING TO THE PLAT THEREOF RECORDED IN VOLUME 62 OF PLATS, PAGES 42 THROUGH 46, INCLUSIVE, UNDER A.F. NO. 9608295003, RECORDS OF SNOHOMISH COUNTY, WASHINGTON, BEING A POINT ON THE WEST LINE OF SAID EAST 330 FEET; THENCE SOUTH 66 DEGREES 31 MINUTES 26 SECONDS EAST, ALONG THE SOUTHEASTERLY EXTENSION OF THE SOUTHERLY LINE OF SAID LOT 21, A DISTANCE OF 2.70 FEET TO A WOOD FENCE; THENCE NORTH 80 DEGREES 37 MINUTES 26 SECONDS EAST, ALONG SAID FENCE, A DISTANCE OF 5.68 FEET TO A 6' CHAIN LINK FENCE; THENCE NORTH 00 DEGREES 29 MINUTES 11 SECONDS WEST, ALONG SAID FENCE, A DISTANCE OF 68.62 FEET TO THE SOUTHEASTERLY EXTENSION OF THE NORTHERLY LINE OF SAID LOT 21; THENCE NORTH 76 DEGREES 14 MINUTES 27 SECONDS WEST, ALONG SAID SOUTHEASTERLY EXTENSION, A DISTANCE OF 9.30 FEET TO THE NORTHEAST CORNER OF SAID LOT 21; THENCE SOUTH 01 DEGREES 14 MINUTES 29 SECONDS EAST, ALONG THE EAST LINE OF SAID LOT 21, A DISTANCE OF 70.70 FEET TO THE POINT OF BEGINNING; SITUATE IN THE CITY OF MONROE, COUNTY OF SNOHOMISH, STATE OF WASHINGTON. which is subject to that certain Deed of Trust dated July 19, 2017, recorded July 21, 2017, under Recorder's/Auditor's File Number 201707210555 records of Snohomish County, Washington, from Nicolette M Smith and Benjamin C Smith, a married couple, as Grantor, to WFG National Title Co., as Trustee, to secure an obligation in favor of Mortgage Electronic Registration Systems, Inc., as designated nominee for CrossCountry Mortgage, Inc., beneficiary of the security instrument, its successors and assigns as Beneficiary. CrossCountry Mortgage, Inc. is now the beneficiary of the Deed of Trust. Said Deed of Trust was assigned on to CrossCountry Mortgage, Inc. by an instrument recorded under Auditor's File No. 201909030133, on September 3, 2019. The sale will be made without any warranty concerning the title to, or the condition of the property. 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 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: i)Failure to pay the following amounts, now in arrears: Amount due to reinstate by October 25, 2019 Monthly Payments: Delinquent Monthly Payments Due: From 04/01/2019 through 10/01/2019 4 payment(s) at $2,866.27 3 payment(s) at $2,800.67 Total:$19,867.09 Accrued Late Charges:$518.58 Late Charges Forecasted:$86.43 Property Inspection:$98.00 Recoverable Balance:$2,440.74 TOTAL DEFAULT$23,010.84 ii)DefaultDescription of Action Required to Cure and Documentation Necessary to Show Cure None at this time. Proof of Payoff Evidence/Proof must be provided that the delinquency has been brought current. IV The sum owing on the obligation secured by the Deed of Trust is $382,409.27, together with interest from March 1, 2019 as provided in the note or other instrument, 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 February 28, 2020. The payments, late charges, or other defaults must be cured by February 17, 2020 (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 17, 2020 (11 days before the sale date) the default(s) as set forth in paragraph III, together with any subsequent payments, late charges, or other defaults, is/are cured and the Trustee's fees and costs are paid. Payment must be with cashier's or certified checks from a State or federally chartered bank. The sale may be terminated any time after February 17, 2020 (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(es): Nicolette SmithNicolette Smith 16181 Lakeview Ave SE16181 SE Lakeview Ave Monroe, WA 98272Monroe, WA 98272 Nicolette SmithNicolette Smith 2015 Wetmore AvePO Box 64 Everett, WA 982012245Carnation, WA 98014-0064 Benjamin C. SmithBenjamin C. Smith 16181 Lakeview Ave SE2015 Wetmore Ave Monroe, WA 98272Everett, WA 98201-2245 Benjamin C. Smith 33628 25th Pl SW Apt B15 Federal Way, WA 98023-7502 by both first-class and certified mail on September 16, 2019, proof of which is in the possession of the Trustee; and the Borrower and Grantor were personally served on September 16, 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 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. If the Trustee's Sale is set aside for any reason, the submitted bid will be forthwith returned without interest and the bidder will have no right to purchase the property. Recovery of the bid amount without interest constitutes the limit of the bidder's recourse against the Trustee and/or the Beneficiary. XI NOTICE TO ALL PERSONS AND PARTIES WHO ARE GUARANTORS OF THE OBLIGATIONS SECURED BY THIS DEED OF TRUST: (1) 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; (2) 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; (3) The Guarantor 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 deed of trust granted to secure the same debt; and (5) 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. XII NOTICE 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: (1-877-894-4663) Website: http://www.wshfc.org/buyers/counseling.htm The United States Department of Housing and Urban Development: Telephone: (1-800-569-4287) Website: 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) Website: http://nwjustice.org/what-clear For Sales questions and concerns: Email Address: FCLsalesNW@w-legal.com DATED: October 25, 2019 WEINSTEIN & RILEY, P.S. Successor Trustee By:BETHANY WOJTANOWICZ, Director 2001 Western Avenue Suite 400 Seattle, WA 98121 206-269-3490 FCLsalesNW@w-legal.com State of Washington) ) ss. County of King) On this 25 day of October 2019, before me, Veronica Abraham, the undersigned, a Notary Public in and for the State of Washington, duly commissioned and sworn, personally appeared Bethany Wojtanowicz, to me known to be an Officer of Weinstein & Riley, P.S., the corporation that executed the foregoing instrument and acknowledged the said instrument to be the free and voluntary act and deed of said corporation, for the uses and purposes therein mentioned, and on oath states that they are authorized to execute the said instrument. WITNESS my hand and official seal hereto affixed the day and year first above written. VERONICA ABRAHAM NOTARY PUBLIC in and for the State of Washington at: Pierce County My Appt. Exp.: 01/19/2020 Published: January 24; February 14, 2020.EDH888450
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