Re: Ancira, Steven & Amy NOTICE OF TRUSTEE'S SALE REFERENCE NUMBER: 200609120759 GRANTOR(S): Karen L. Gibbon, PS GRANTEE(S): Steven Ancira and Amy Ancira, Husband and Wife ABBREVIATED LEGAL: LOT 112 RUSSELLWOOD DIV NO. 2 RN 9611010018 APN# 7000751120 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 May 15, 2015, at the hour of 10:00 AM, at the second floor entry plaza outside the 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 112, RUSSELLWOOD DIVISION NO. 2, ACCORDING TO PLAT RECORDED UNDER RECORDING NUMBER 9611010018 AS AMENDED AFFIDAVITS OF MINOR CORRECTION RECORDED UNDER RECORDING NUMBERS 9611210205, 9701210099 AND 9711170156, IN PIERCE COUNTY WASHINGTON A.P.N.: 7000751120 (commonly known as 11513 221st Ave East, Sumner, WA 98391), which is subject to that certain Deed of Trust, dated September 8, 2006, recorded September 12, 2006, under Auditor's File No. 200609120759 records of Pierce County, Washington, from Steven Ancira and Amy Ancira, Husband and Wife, as Grantors, to Ticor Title Company, as Trustee, to secure an obligation in favor of Mortgage Electronic Registration Systems, Inc., as nominee for Pierce Commercial Bank, 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 2006-26, under Pierce County Auditor's File No. 201105160070. 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 $146,224.68, (January 1, 2010 January 1, 2015):^ $146,224.68 Property Inspections:^ $22.70 Corporate Advances:^ $7,691.01 TOTAL MONTHLY PAYMENTS AND LATE CHARGES:^ $153,938.39 Default other than failure to make monthly payments: None IV. The sum owing on the obligation secured by the Deed of Trust is: Principal $260,110.71, together with interest as provided in the note or other instrument secured from December 1, 2009 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 May 15, 2015. The defaults referred to in paragraph III must be cured by May 4, 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 May 4, 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 May 4, 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: Steven Ancira Amy Ancira At: 11513 221st Ave East, Sumner, WA 98391 And At: 8322 209th Avenue CT E, Bonney Lake, WA 98391-6399