4047.1225951 Cardenas, Beatriz & Arturo Reference Number(s) of Documents assigned or released: 200704100576 Document Title: NOTICE OF TRUSTEE'S SALE Grantor: Bishop, Marshall & Weibel, P.S. formerly known as Bishop, White, Marshall & Weibel, P.S. Grantee: Beatriz Cardenas and ArturoCardenas, Wife and Husband Abbreviated Legal Description as Follows: LOT 2, PIERCE COUNTY SHORT PLAT, RECORDING NO. 9710230353 Assessor's Property Tax Parcel/ Account Number(s): 031920-6022 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 Bishop, Marshall & Weibel, P.S. formerly known as Bishop, White, Marshall & Weibel, P.S. will on October 24, 2014 at 9:00 am in the Auction.com room at the Broadway Center for the Performing Arts, 901 Broadway, Tacoma, WA 98402, located at Pierce 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 Pierce County, State of Washington, to-wit; PARCEL A: LOT 2, PIERCE COUNTY SHORT PLAT, ACCORDING TO THE SHORT PLAT RECORDED UNDER RECORDING NO. 9710230353, RECORDS OF PIERCE COUNTY, WASHINGTON, WHICH IS AN AMENDMENT OF PIERCE COUNTY SHORT PLAT NO. 8509060363, ACCORDING TO PLAT RECORDED SEPTEMBER 6, 1985, IN TACOMA, PIERCE COUNTY, WASHINGTON. PARCEL B: A NON-EXCLUSIVE EASEMENT FOR INGRESS AND EGRESS AS DESCRIBED UNDER AUDITOR'S NO. 1802993, IN PIERCE COUNTY, WASHINGTON. PARCEL C: A NON-EXCLUSIVE EASEMENT FOR INGRESS AND EGRESS AS DELINEATED ON PIERCE COUNTY SHORT PLAT RECORDED UNDER RECORDING NO. 9710230353, RECORDS OF PIERCE COUNTY, WASHINGTON, WHICH IS AN AMENDMENT OF PIERCE COUNTY SHORT PLAT RECORDED UNDER RECORDING NO. 8509060363, RECORDS OF PIERCE COUNTY, WASHINGTON. which is subject to that certain Deed of Trust dated April 3, 2007, recorded April 10, 2007, under Auditor's File No. 200704100576 records of Pierce County, Washington, from Beatriz Cardenas and Arturo Cardenas, Wife and Husband, as Grantor, to The Talon Group, as Trustee, to secure an obligation in favor of Mortgage Electronic Registration Systems, Inc. is a separate corporation that is acting solely as a nominee for Pierce Commercial Bank and its successors and assigns as beneficiary. The Bank of New York Mellon FKA the Bank of New York as Trustee for the Certificateholders of CWMBS, Inc., CHL Mortgage Pass-Through Trust 2007-10, Mortgage Pass-Through Certificates, Series 2007-10 is now the beneficiary of the deed of trust. 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 June 12, 2014 Delinquent Monthly Payments Due from 10/1/2009 through 6/1/2014: 57 payment(s) at $3071.45 Total: ^175,072.65 Late Charges: 56 late charge(s) at $132.26 for each monthly payment not made within 15 days of its due date Total Late Charges ^7,406.56 Corporate Advance ^2,419.56 TOTAL DEFAULT ^$184,898.77 IV The sum owing on the obligation secured by the Deed of Trust is: $412,177.97, together with interest from September 1, 2009 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 October 24, 2014. The payments, late charges, or other defaults must be cured by October 13, 2014 (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 October 13, 2014 (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 in cash or with cashier's or certified checks from a State or federally chartered bank. The sale may be terminated any time after October 13, 2014 (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): Beatriz Cardenas 14411 14th Ave S Tacoma, WA 98444 Arturo Cardenas 14411 14th Ave S Tacoma, WA 98444 by both first class and certified mail on August 31, 2012, proof of which is in the possession of the Trustee; and the Borrower and Grantor were personally served on September 1, 2012, 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 1 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/whatclear DATE: June 24, 2014. BISHOP, MARSHALL & WEIBEL, P.S. FORMERLY KNOWN AS BISHOP, WHITE, MARSHALL & WEIBEL, P.S., Successor Trustee By:/s/William L. Bishop, Jr. 720 Olive Way, Suite 1201 Seattle, WA 98101 (206)622-7527 State of Washington)ss. County of King) On this 24 day of June, 2014, before me, the undersigned, a Notary Public in and for the State of Washington, duly commissioned and sworn, personally appeared William L. Bishop, Jr., to me known to be an Officer of Bishop, Marshall & Weibel, P.S. formerly known as Bishop, White, Marshall & Weibel, 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. Name: Darla Trautman NOTARY PUBLIC in and for the State of Washington at King County My Appt. Exp: 04/09/2016 September 23, October 10