Re: Cole, Richard & Crystal NOTICE OF TRUSTEE'S SALE REFERENCE NUMBER: 200610020151 GRANTOR(S): Karen L. Gibbon, PS GRANTEE(S): Richard Cole, and Crystal Cole, Husband and Wife ABBREVIATED LEGAL: PTN L 3 AND ALL L 4, B 934, ALLIANCE ADD APN# 2009340020 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) 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: 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 I. NOTICE IS HEREBY GIVEN that the undersigned Trustee, Karen L. Gibbon, will on March 6, 2015 at the hour of 10:00 AM, at the second floor entry plaza, outside the Pierce County Courthouse, 930 Tacoma Avenue 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 County, State of Washington, to-wit; THE SOUTH HALF OF LOT 3 AND ALL OF LOT 4 IN BLOCK 934 OF ALLIANCE ADDITION TO TACOMA, AS PER PLAT RECORDED IN VOLUME 7 OF PLATS, PAGE 83, RECORDS OF PIERCE COUNTY, AUDITOR; SITUATE IN THE CITY OF TACOMA, COUNTY OF PIERCE, STATE OF WASHINGTON. TPN: 2009340020 (commonly known as 908 S. Grant Avenue, Tacoma, WA 98405-3359), which is subject to that certain Deed of Trust, dated September 25, 2006, recorded October 2, 2006, under Auditor's File No. 200610020151 records of Pierce County, Washington, from Richard Cole, and Crystal Cole, Husband and Wife, as Grantors, to Landsafe Title of Washington, as Trustee, to secure an obligation in favor of Mortgage Electronic Registration Systems, Inc., as nominee for, Countrywide Home Loans, Inc., 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., ASSETBACKED CERTIFICATES, SERIES 2006-22, under Pierce County Auditor's File No. 201106200831. 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 $92,694.82, (April 1, 2009 October 1, 2014): ^$92,694.826 Property Inspections: ^$146.60 Corporate Advances: ^$6,695.90 TOTAL MONTHLY PAYMENTS AND LATE CHARGES: ^$99,537.32 Default other than failure to make monthly payments: None IV. The sum owing on the obligation secured by the Deed of Trust is: Principal $148,586.17, together with interest as provided in the note or other instrument secured from March 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 the Deed of Trust as provided by statute. The sale will be made without warranty, express or implied, regarding title, possession, or encumbrances on March 6, 2015. The defaults referred to in paragraph III must be cured by February 23, 2015 (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 February 23, 2015 (11 days before the sale date) 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 February 23, 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: Richard W. Cole Crystal Anne Cole (AKA Crystal A. Braley-Cole) Both At: 908 S. Grant Avenue Tacoma, WA 98405-3359 And At: At: 308 E Evergreen Avenue Visalia, CA 93277 Crystal Anne Cole (AKA Crystal A. Braley-Cole) At: 948 So Grant Tacoma, WA 98405-3359 Richard W. Cole At: 6436 S Flora Avenue Seattle, WA 98108 by both first class and certified mail on January 22, 2014, proof of which is in the possession of the Trustee; and the Borrower and Grantor were personally served on January 22, 2014, with said written Notice of Default and/or the Notice of Default was posted in a conspicuous place on the real property described in paragraph I above, and the Trustee has in his possession proof of such service or posting. VII. The Trustee whose name and address is set forth below will provide in writing, to any person 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 (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 prove a tenant with written notice in accordance with RCW 61.24.060. DATED: October 23, 2014 KAREN L. GIBBON, P.S., Successor Trustee By: KAREN L. GIBBON, President LAW OFFICES OF KAREN L. GIBBON, P.S. 3409 MCDOUGALL AVENUE, SUITE 202 EVERETT, WA 98201 (425)212-3277 February 4, 25