RE: Cochran, Earl & Celina TS #60432-00285-NJ-WA APN #900514-0020 Reference Number: 201307301022 Abbreviated Legal: UNIT 2, EVERGREEN RIDGE PARK, A CONDO, REC # 200408240265 AND SURVEY MAP # 200408245003 Grantor: Celina M COCHRAN and Earl MASON COCHRAN Grantee: North Cascade Trustee Services Inc., Original Beneficiary: MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., SOLELY AS NOMINEE FOR NEW DAY FINANCIAL, LLC NOTICE OF TRUSTEE’S SALE PURSUANT TO THE REVISED CODE OF WASHINGTON CHAPTER 61.24 ET. SEQ. This is an attempt to collect a debt and any information obtained will be used for that purpose. 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: Toll-free: 1-877-894-HOME (1-877-894-4663). Web site: http://www.dfi.wa.gov/consumers/homewownership/post_purchase_counselors_foreclosure.htm. The United States Department of Housing and urban Development Telephone: Toll-free: 1-800-569-4287. Web Site: http://www.hud.gove/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. NOTICE IS HEREBY GIVEN that the undersigned Trustee will on January 22, 2016, at the hour of 10:00 AM at Pierce County Superior Courthouse, 2nd Floor Entry Plaza, 930 Tacoma Avenue South, Tacoma, WA 98402 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: UNIT 2, OF EVERGREEN RIDGE PARK, A CONDOMINIUM, ACCORDING TO THE DECLARATION UNDER PIERCE COUNTY RECORDING NO. 200408240265 AND ANY AMENDMENTS THERETO; SAID UNIT IS LOCATED ON SURVEY MAP AND PLANS RECORDED UNDER RECORDING NO. 200408245003 IN PIERCE COUNTY, STATE OF WASHINGTON. APN: 900514-0020 More commonly known as: 10511 196TH ST CT E, Graham, WA 98338 which is subject to that certain Deed of Trust dated July 25, 2013, recorded July 30, 2013 under Auditor’s File No. 20130730 1022, records of Pierce County, Washington, from EARL MASON COCHRAN AND CELINA M COCHRAN. HUSBAND AND WIFE, as Grantor, to FIRST AMERICAN TITLE INSURANCE COMPANY, as Trustee, to secure an obligation in favor of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., SOLEY AS NOMINEE FOR NEW DAY FINANCIAL, LLC as Beneficiary, the beneficial interest in which was assigned to Planet Home Lending, LLC under an Assignment recorded on September 30, 2014 under Auditors File 201409300089 in the official records in the Office of the Recorder of Pierce County, Washington. II. No action commenced by the current 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/Mortgage. III. The Beneficiary alleges default of the Deed of Trust for failure to pay the following amounts now in arrears and/or other defaults: Payments $24,067.17 Late Charges $781.28 Uncollected Fees $10.00 Corporate Advances $5,178.53 Grand Total $30,036.98 IV. The sum owing on the obligation secured by the Deed of Trust is: Principal $201,258.98, together with interest as provided in the note or other instrument secured, and such other costs and fees as are clue 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 January 22, 2016. The defaults referred to in paragraph III must be cured by January 11, 2016 (11 days before the sate date), to cause a discontinuance of the sale. The sale will be discontinued and terminated fat any time before January 11, 2016 (11 clays before the sale date), the defaults as set forth in paragraph III are cured and the Trustee’s fees and costs are paid. Payment roust be in cash or with cashiers’ or certified check from a state or federally chartered bank. The sale may be terminated any time after January 11, 2016 (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 addresses: Celina M COCHRAN 10511 196TH STREET COURT EAST Graham, WA 98338-7798 Celina M COCHRAN 10511 196TH STREET CT EAST UNIT #2 Graham, WA 98338 Earl MASON COCHRAN 10511 196TH STREET COURT EAST Graham, WA 98338-7798 Earl MASON COCHRAN 10511 196TH STREET CT EAST UNIT #2 Graham, WA 98338 OCCUPANT 10511 196TH STREET COURT EAST Graham, WA 98338-7798 by both first-class and certified mail on November 18, 2014, proof of which is in the possession of the Trustee; and the Borrower and Grantor were personally served, if applicable, 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 I above, and the Trustee has possession of proof of such service or posting. VII. The Trustee whose name and address tire set forth below 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 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 61.24130. 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. Dated: September 22, 2015 To access sale information, please go to salestrack.tdsf.com or call the automated sales line at: 888-988-6736. North Cascade Trustee Services Inc., Duly Appointed Successor Trustee By Ryan Watkins, Authorized Signatory 801 Second Avenue, Suite 600 Seattle, Washington 98104 Telephone 1-855-676-9686 TAC: 984735 IDX-674113 PUB: 12/24/15, 1/14/16