Re: DE CARDENAS, MARIA PILAR GONZALES TS No WA01000030-14-1 APN 7000861340 TO No 40186597-WABCI NOTICE OF TRUSTEE'S SALE PURSUANT TO THE REVISED CODE OF WASHINGTON CHAPTER 61.24 ET. SEQ. I. NOTICE IS HEREBY GIVEN that on 6/12/2015, 10:00 AM, at the 2nd floor entry plaza of the Superior Courthouse, 930 Tacoma Avenue South, Tacoma, WA 98402, MTC FINANCIAL INC. dba TRUSTEE CORPS, the undersigned Trustee will sell at public auction to the highest and best bidder, payable, in the form of cash, or cashiers' check or certified checks from federally or State chartered banks, at the time of sale the following described real property, situated in the County of Pierce, State of Washington, to-wit: LOT 134 OF RUSSELLWOOD DIV 3, AS PER PLAT RECORDED MAY 15,1997 UNDER RECORDING NO. 9705150359, RECORDS OF PIERCE COUNTY AUDITOR; SITUATE IN THE COUNTY OF PIERCE, STATE OF WASHINGTON. APN: 7000861340 More commonly known as 21422 116TH STREET E, Bonney Lake, WA 98390 which is subject to that certain Deed of Trust dated as of July 5, 2007, executed by MARIA PILAR GONZALES DE CARDENAS, A MARRIED WOMAN AS HER SEPARATE ESTATE AND ISMAEL G. CARDENAS, A SINGLE PERSON as Trustor(s), to secure obligations in favor of NATIONAL CITY MORTGAGE A DIVISION OF NATIONAL CITY BANK, A NATIONAL BANKING ASSOCIATION as original Beneficiary recorded July 13, 2007 as -Instrument No. 200707130479 and .the ,beneficial interest was assigned to JMAF HOLDINGS INC. ,and recorded August 7, 2014 as Instrument Number 201408070076 of official records in the Office of the Recorder of Pierce County. Washington. II. No action commenced by JMAF HOLDINGS INC., 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. Current Beneficiary: JMAF HOLDINGS INC. Contact Phone No: 888-604-3353 Address: 1135 CLIFTON AVE., SUITE 204, CLIFTON, NJ 07013 III. The default(s) for which this foreclosure is made is/are as follows: FAILURE TO PAY WHEN DUE THE FOLLOWING AMOUNTS WHICH ARE NOW IN ARREARS: DELINQUENT PAYMENT INFORMATION From November 1, 2011 To January 28, 2015 Number of Payments 39 Monthly Payment $405.48 Total $15,813.72 LATE CHARGE INFORMATION From November 1, 2011 To January 28, 2015 Number of Payments 39 Monthly Payment $40.55 Total $1,581.45 PROMISSORY NOTE INFORMATION Note Dated: July 5, 2007 Note Amount: $48,750.00 Interest Paid To: October 1, 2011 Next Due Date: November 1, 2011 IV. The sum owing on the obligation secured by the Deed of Trust is: The principal sum of $45,945.28, together with interest as provided in the Note or other instrument secured, 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. Said sale will be made without warranty, expressed or implied, regarding title, possession or encumbrances on June 12, 2015. The defaults referred to in Paragraph III must be cured by June 1, 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 before June 1, 2015 (11 days before the sale) the default as set forth in Paragraph III is 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 the June 1, 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 by 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. VI. A written Notice of Default was transmitted by the current Beneficiary, JMAF HOLDINGS INC.or Trustee to the Borrower and Grantor at the following address(es): ADDRESS ISMAEL G. CARDENAS 21422 116TH STREET E, BONNEY LAKE, WA 98390 ISMAEL G. CARDENAS 21422 116TH STE E, BONNEY LAKE, WA 98391 MARIA PILAR GONZALES DE CARDENAS 21422 116TH STREET E, BONNEY LAKE, WA 98390 by both first class and certified mail on December 23, 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 are 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 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. If the Borrower received a letter under RCW 61.24.031: THIS NOTICE IS THE FINAL STEP BEFORE THE FORECLOSURE SALE OF YOUR HOME. You have only 20 DAYS from the recording date of 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: (877) 894-4663 or (800) 606-4819 Website: www.wshfc.org The United States Department of Housing and Urban Development: Telephone: (800) 5694287 Website: www.hud.gov The statewide civil legal aid hotline for assistance and referrals to other housing counselors and attorneys Telephone: (800) 606-4819 Website: www.homeownership.wa.gov 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 the Unlawful Detainer Act, 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: 1/29/2015 MTC Financial Inc. dba Trustee Corps, as Duly Appointed Successor Trustee By: Patrick Lynch, Authorized Signatory MTC Financial Inc. dba Trustee Corps 1700 Seventh Avenue, Suite 2100 Seattle WA 98101 Phone: (800) 409-7530 TDD: 800-833-6388 For Reinstatement/Pay Off Quotes, contact MTC Financial Inc. DBA Trustee Corps TRUSTEE'S SALE INFORMATION CAN BE OBTAINED ONLINE AT www.priorityposting.com P1129749 5/11, 06/01/2015