7023.100760 Grantors: Northwest Trustee Services, Inc. Wells Fargo Bank, N.A. Grantee: Juanita Russell, as her separate estate Ref to DOT Auditor File No.: 200509160272 Tax Parcel ID No.: 43920000040004 Abbreviated Legal: Lot 4, View Acres, V/P 16/51 Notice of Trustee's Sale Pursuant to the Revised Code of Washington 61.24, et seq. I. On November 16, 2012, 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: Lot 4 of View Acres, according to Plat recorded in Volume 16 of Plats atPage(s) 51 and 52, in Kitsap County, Washington. Except the following: Commencing at the Southwest corner of Lot 4, View Acres, said point being North 00 degrees 16' 02" East 327.38 feet and North 87 degrees 59' 14" West 331.27 feet from Section corners common to Sections 8 and 9,16 and 17, Township 26 North, Range 2 East of the W.M. in Kitsap County, Washington; thence South 87 degrees 59' 14" East along the South line of said Lot 4, 331.27 feet to the Southeast corner of Lot 4; thence North 00 degrees 16' 02" East 267.38 feet along the East line of said Lot 4; thence South 88 degrees 18' 09" West 140 feet to Referenced Point A; thence North 00 degrees 16' 02" East 186.33 feet to a point on the Southerly right-of way on Lincoln Road East; thence Northwesterly along said Southerly right-of-way to a point, which lies 30 feet Westerly of last described line; thence South 00 degrees 16' 02" West to a point which lies South 88 degrees 18' 09" West 30 feet from Referenced Point A; thence South 88 degrees 18' 09" West to point of intersection with the West line of Lot 4, which point is North of 00 degrees 11' 18" East from true point of beginning; thence South 00 degrees 11' 18" West to the true point of beginning, in Kitsap County, Washington. Commonly known as: 6291 NE LINCOLN RD aka 6271 NE Lincoln Road POULSBO, WA 98370 which is subject to that certain Deed of Trust dated 09/12/05, recorded on 09/16/05, under Auditor's File No. 200509160272, records of Kitsap County, Washington, from Gene Russell and Juanita Russell, presumptively subject to the community interest for their spouses if married on August 1, 2002 Date of Acquiring Title, as Grantor, to H and L Services, Inc., as Trustee, to secure an obligation "Obligation" in favor of Wells Fargo Bank, N.A., as Beneficiary. *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 Note and Deed of Trust pursuant to paragraph 9(a)(i) a Borrower dies and the Property is not the principal residence of at least one surviving Borrower. Amount due to satisfy by 08/10/2012 Unpaid principal balance Due in full (Maturity Date 11/2/2011) $210,224.10 Interest Mortgage Insurance Premium $402.86 $119.33 Lender's Fees & Costs $3,840.39 Total Arrearage Trustee's Expenses (Itemization) Trustee's Fee $607.50 Title Report $0.00 Statutory Mailings $90.00 Recording Costs $48.00 Postings $140.00 Sale Costs $31.50 Total Costs $917.00 Total Amount Due: $215,503.68 Other known defaults as follows: IV. The sum owing on the Obligation is: Principal Balance of $210,224.10, together with interest as provided in the note or other instrument evidencing the Obligation from 10/02/11, 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 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 November 16, 2012. 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 before the sale to cause a discontinuance of the sale. The sale will be discontinued and terminated if at any time before the sale, the default(s) as set forth in paragraph III, together with accruing interest, 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 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 pursuant to the terms of the obligation and/or Deed of Trust. 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 Juanita Russell 6291 NE Lincoln Rd aka 6271 NE Lincoln Rd Poulsbo, WA 98370 Unknown Spouse and/or Domestic Partner of Juanita Russell 6291 NE Lincoln Rd aka 6271 NE Lincoln Rd Poulsbo, WA 98370 Gene Russell 6291 NE Lincoln Rd aka 6271 NE Lincoln Rd Poulsbo, WA 98370 The Estate of Gene Russell 6291 NE Lincoln Rd aka 6271 NE Lincoln Rd Poulsbo, WA 98370 The Heirs & Devisees of Gene Russell 6291 NE Lincoln Rd aka 6271 NE Lincoln Rd Poulsbo, WA 98370 Juanita Russell 6271 NE Lincoln Rd E Poulsbo, WA 98370 Unknown Spouse and/or Domestic Partner of Juanita Russell 6271 NE Lincoln Rd E Poulsbo, WA 98370 Gene Russell 6271 NE Lincoln Rd E Poulsbo, WA 98370 The Heirs & Devisees of Gene Russell 6271 NE Lincoln Rd E Poulsbo, WA 98370 by both first class and certified mail, return receipt requested on 06/25/12, proof of which is in the possession of the Trustee; and on 06/25/12 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: 08/10/2012 Northwest Trustee Services, Inc., Trustee Authorized Signature P.O. BOX 997
Bellevue, WA 98009-0997 Contact: Claire Swazey (425) 586-1900. (TS# 7023.100760) 1002.219062File No. Date of first publication: 10/19/12 Date of last publication: 11/09/12 PO