Re: Ross, Monica NOTICE OF TRUSTEE'S SALE REFERENCE NUMBER: 200610311529 GRANTOR(S): Karen L. Gibbon, PS GRANTEE(S): Monica Ross, An unmarried individual ABBREVIATED LEGAL: LOT 23 OF BARCLAY PASS DIVISION NO. 1 REC 200102025009 APN# 6023600230 WE ARE A DEBT COLLECTOR. THIS COMMUNICATION IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. If you filed bankruptcy or have been discharged in bankruptcy, this communication is not intended as an attempt to collect a debt from you personally, but is notice of enforcement of the deed of trust lien against the secured property. 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: Tollfree: 1-877-894-HOME (1-877-8944663) http://www.dfi.wa.gov/consumers/ homeownership/ post_purchase_counselors_foreclosure.htm * The United States Department of Housing and Urban Development: Toll-free: 1-800-569-4287 Local counseling agencies in Washington: 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: Toll-free: 1-800-606-4819 http://nwjustice.org/what-clear I. NOTICE IS HEREBY GIVEN that the undersigned Trustee, Karen L. Gibbon, P.S., will on July 10, 2015, at the hour of 10:00 AM, at the second floor entry plaza outside Pierce County Courthouse, 930 Tacoma Ave South, in the City of Tacoma, 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 Pierce, State of Washington, to wit: LOT 23 OF BARCLAY PLACE DIVISION NO. 1, AS PER PLAT RECORDED FEBRUARY 2, 2001, UNDER RECORDING NO. 200102025009, RECORDS OF PIERCE COUNTY AUDITOR, SITUATE IN THE COUNTY OF PIERCE, STATE OF WASHINGTON. PARCEL ID: 6023600230 (commonly known as 5622 209th St E, Spanaway, WA 98387-4748), which is subject to that certain Deed of Trust, dated October 23, 2006, recorded October 31, 2006, under Auditor's File No. 200610311529 records of Pierce County, Washington, from Monica Ross, An unmarried individual, as Grantors, to LS Title of Washington, as Trustee, to secure an obligation in favor of Mortgage Electronic Registration Systems, Inc., as nominee for America's Wholesale Lender, as Beneficiary, the beneficial interest in which has been assigned to The Bank of New York Mellon FKA The Bank of New York, as Trustee for the certificateholders of the CWABS, Inc., ASSET-BACKED CERTIFICATES, SERIES 2006-20, under Pierce County Auditor's File No. 201205020028. 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 Borrowers or Grantor's default on the obligation secured by the Deed of Trust. III. The Default for which this foreclosure is made is as follows: Failure to pay when due the following amounts, which are now in arrears: Monthly payments: Monthly payment(s) totaling $64,343.33, (January 1, 2012 February 1, 2015):^ $64,343.33 Property Inspections:^ $113.50 Corporate Advances:^ $3,318.15 TOTAL MONTHLY PAYMENTS AND LATE CHARGES:^ $67,774.98 Default other than failure to make monthly payments: None IV. The sum owing on the obligation secured by the Deed of Trust is: Principal $237,408.13, together with interest as provided in the note or other instrument secured from December 1, 2011 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 said Deed of Trust as provided by statute. The sale will be made without warranty, express or implied, regarding title, possession, or encumbrances on July 10, 2015. The defaults referred to in paragraph III must be cured by June 29, 2015 (11 days before the sale) to cause a discontinuance of the sale. The sale will be discontinued and terminated if at any time on or before June 29, 2015 (11 days before the sale) 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 June 29, 2015 (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 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, and curing all other defaults. VI. A written Notice of Default was transmitted by the Beneficiary or Trustee to the Borrower or Grantor at the following addresses: Monica Ross Spouse or Domestic Partner of Monica Ross At: 5622 209th St E, Spanaway, WA 98387-4748 And At: 17007 135th Avenue East, Puyallup, WA 98374 And At: 5622 209th Street, Spanaway, WA 98387