7283.27068 Grantors: Northwest Trustee Services, Inc. PHH Mortgage Corporation Grantee: Sharon K. Bryan and the heirs of Michael J. Cocchiaro, deceased. Ref to DOT Auditor File No.: 200805120215 Tax Parcel ID No.: 22230140392009 Abbreviated Legal: LOT A, SP 673, AF #1150864 Notice of Trustee's Sale Pursuant to the Revised Code of Washington 61.24, et seq. THIS NOTICE IS THE FINAL STEP BEFORE THE FORECLOSURE SALE OF YOUR HOME You have only 20 DAYS from the recording date of 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: Toll-free: 1-877894-HOME (1-877-8944663). Web site: http:// www.dfi.wa.gov/consumers/homeownership/ post_purchase_counselors_foreclosure.htm The United States Department of Housing and Urban Development Telephone: Tollfree: 1-800-569-4287. Web site: 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: Toll-free: 1-800-606-4819. Web site: http://nwjustice.org/what-clear. I. On May 24, 2013, at 10:00 a.m. under the covered area at the front entrance to the Administration Building, 619 Division Street Port Orchard, WA 98366 in the City of Port Orchard, State of Washington, the undersigned Trustee (subject to any conditions imposed by the Trustee) will sell at public auction to the highest and best bidder, payable at time of sale, the following described real property "Property", situated in the County(ies) of KITSAP, State of Washington: The West 300 feet of the South half of the North half of the Northwest Quarter of the Northwest Quarter of the Southeast Quarter of Section 22, Township 23 North, Range 1 East, W.M., in Kitsap County, Washington; (Also known as Lot A of short Plat No. 673 recorded under Auditor's File No. 1150864). Parcel II: An easement for ingress, egress and utilities purposes over and across the following described property: Beginning at the South Quarter corner for Section 22, Township 23 North, Range 1 East, W.M., in Kitsap County, Washington; Thence North 87 degrees 38' 13" West, Range along the South line thereof, 30 feet; Thence North 1 degree 18' 42" East 688.02 feet; Thence South 87 degrees 34' 56" East 668.42 feet; Thence North 0 degrees 52' 32" East 1613.71 feet to the North line of the South half of the North half of the Northwest Quarter of the Southeast Quarter of said Section 22; Thence South 87 degrees 26' 32" East along said North line 60 feet; Thence South 0 degrees 52' 32" West 1643.60 feet to the South line of the North half of the Southwest Quarter of the Southeast Quarter of said Section 22; Thence North 87 degrees 34' 56" West 698.66 feet to the North and South centerline of said Section 22; Thence South 1 degree 18' 42" West to the true point of beginning; Together with an easement for ingress, egress and utility purposes over, under and across a 60 foot strip of land being 30 feet on each side of the following described centerline; Beginning at the South Quarter corner of Section 22, Township 23 North, Range 1 East, W.M., in Kitsap County, Washington; Thence North 87 degrees 38' 13' West along the South line thereof 673.65 feet to the Southwest corner of the Southeast Quarter of the Southeast Quarter of the Southwest Quarter of said Section 22 and the true point of beginning of the line to be described; Thence North 1 degree 32' 23" East 2469.71 feet to the North Line of the South ThreeQuarters of the North half of the Northeast Quarter of the Southwest Quarter of said Section 22, and being the terminus point of said described line; and also together with an easement for ingress, egress and utility purposes over, under and across a 60 foot strip of land being 30 feet on each side of the following described centerline; Beginning at the Southwest corner of the North half of the Northeast Quarter of the Northeast Quarter of the Southwest Quarter of said Section 22; Thence along the South line of said subdivision South 87 degrees 26' 32" East 694.52 feet; Thence North 87 degrees 26' 32" West 30.00 feet; Thence North 1 degree 18' 42" East 329.00 feet to the center of said Section 22 and the terminal point of this described centerline. Commonly known as: 8862 Conwhit Lane Southwest Port Orchard, WA 98367 which is subject to that certain Deed of Trust dated 05/07/08, recorded on 05/ 12/08, under Auditor's File No. 200805120215, records of KITSAP County, Washington, from Michael J Cocchiaro and Sharon K Bryan, husband and wife, as Grantor, to Land Title Company, as Trustee, to secure an obligation "Obligation" in favor of Mortgage Electronic Registration Systems, Inc. solely as nominee for Kitsap Credit Union, its successors and assigns, as Beneficiary, the beneficial interest in which was assigned by Mortgage Electronic Registration Systems, Inc. (MERS) to PHH Mortgage Corporation, under an Assignment/Successive Assignments recorded under Auditor's File No. 201210080505. *The Tax Parcel ID number and Abbreviated Legal Description are provided solely to comply with the recording statutes and are not intended to supplement, amend or supersede the Property's full legal description provided herein. 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 or Borrower's default on the Obligation secured by the Deed of Trust. III. The Beneficiary alleges default of the Deed of Trust for failure to pay the following amounts now in arrears and/or other defaults: Amount due to reinstate by 01/15/2013 Monthly Payments $11,091.12 Late Charges $360.78 Lender's Fees & Costs $25.00 Total Arrearage $11,476.90 Trustee's Expenses (Itemization) Trustee's Fee $675.00 Title Report $896.81 Statutory Mailings $25.00 Recording Costs $62.00 Postings $140.00 Total Costs $1,830.31 Total Amount Due: $13,307.21 Other known defaults as follows: IV. The sum owing on the Obligation is: Principal Balance of $213,825.03, together with interest as provided in the note or other instrument evidencing the Obligation from 05/01/12, and such other costs and fees as are due under the Obligation, and as are provided by statute. V. The Property will be sold to satisfy the expense of sale and the Obligation as provided by statute. The sale will be made without representation or warranty, express or implied regarding title, possession, encumbrances or condition of the Property on May 24, 2013. The default(s) referred to in paragraph III, together with any subsequent payments, late charges, advances costs and fees thereafter due, must be cured by 05/ 13/13 (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 05/13/13 (11 days before the sale date), the default(s) as set forth in paragraph III, together with any subsequent payments, late charges, advances, costs and fees thereafter due, is/are cured and the Trustee's fees and costs are paid. The sale may be terminated any time after 05/13/13 (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 balance of principal and interest secured by the Deed of Trust, plus costs, fees, and advances, if any made pursua
nt 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): NAME AND ADDRESS The Heirs and Devisees of Michael J. Cocchiaro aka Michael Joseph Cocchiaro, Jr., Deceased 8862 Conwhit Lane Southwest Port Orchard, WA 98367 Sharon K. Bryan 8862 Conwhit Lane Southwest Port Orchard, WA 98367 Unknown Spouse and/or Domestic Partner of Sharon K. Bryan 8862 Conwhit Lane Southwest Port Orchard, WA 98367 by both first class and certified mail, return receipt requested on 12/14/12, proof of which is in the possession of the Trustee; and on 12/15/12 Grantor and Borrower were personally served with said written notice of default or the written notice of default was posted on 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 trustee's 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 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. The trustee's rules of auction may be accessed at www.northwesttrustee.com and are incorporated by this reference. You may also access sale status at www.northwesttrustee.com and www.USA-Foreclosure.com. EFFECTIVE: 01/ 15/2013 Northwest Trustee Services, Inc., Trustee Authorized Signature P.O. BOX 997 Bellevue, WA 98009-0997 Contact: Winston Khan (425) 5861900. (TS# 7283.27068) 1002.228351-File No., April 26, May 17