Re: ELDRIDGE, ZELMA F NOTICE OF TRUSTEE'S SALE Pursuant to the Revised Code of Washington 61.24, et seq. Document: NOS_HECM Printed: 4/29/2015 10:09:20 AM Page Count: 5 IDS Automation: D eliver signed document(s) to Scan Clerk TS No.: WA-15-661061-SW APN No.: 9515000640 Title Order No.: 150043676-WA-MSO Deed of Trust Grantor(s): ZELMA F. ELDRIDGE, AN UNMARRIED WOMAN Deed of Trust Grantee(s): SEATTLE MORTGAGE COMPANY Deed of Trust Instrument/ Reference No.: 200702160359 I. NOTICE IS HEREBY GIVEN that Quality Loan Service Corp. of Washington, the undersigned Trustee, will on 9/4/ 2015 , at 10:00 AM The 2ND floor entry plaza outside the County Courthouse, 930 Tacoma Avenue South, Tacoma, WA 98402 sell at public auction to the highest and best bidder, payable in the form of credit bid or cash bid in the form of cashier’s 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: REAL PROPERTY IN THE COUNTY OF PIERCE, STATE OF WASHINGTON, DESCRIBED AS FOLLOWS: LOTS 7 AND 8 IN BLOCK 11 OF WHITE & OUIMETTE'S ADDITION TO TACOMA, W.T., AS PER PLAT RECORDED IN VOLUME 1 OF PLATS, PAGE 121, RECORDS OF PIERCE COUNTY; SITUATE IN THE CITY OF TACOMA, COUNTY OF PIERCE, STATE OF WASHINGTON. APN #9515000640 More commonly known as: 913 EAST 59TH STREET, TACOMA, WA 98404 which is subject to that certain Deed of Trust dated 1/30/2007 , recorded 2/16/ 2007 , under 200702160359 records of PIERCE County, Washington, from ZELMA F. ELDRIDGE, AN UNMARRIED WOMAN , as Grantor(s), to NORTHWEST TRUSTEE SERVICES, INC , as Trustee, to secure an obligation in favor of SEATTLE MORTGAGE COMPANY , as Beneficiary, the beneficial interest in which was assigned by SEATTLE MORTGAGE COMPANY (or by its successors-in-interest and/or assigns, if any), to Nationstar Mortgage LLC d/b/a Champion Mortgage Company . 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 Borrower’s or Grantor's default on the obligation secured by the Deed of Trust/Mortgage. III. The default(s) for which this foreclosure is made is/are as follows: BORROWER(S) FAILED TO MAINTAIN HAZARD INSURANCE ON THE PROPERTY (AND/OR FAILED TO PROVIDE ADEQUATE PROOF OF INSURANCE), AND ALSO FAILED TO PAY PROPERTY TAXES PRIOR TO THE DELINQUENCY DATE IN VIOLATION OF THE TERMS OF BORROWER(S)' HOME EQUITY CONVERSION MORTGAGE AND, AS A RESULT, THE ABOVE-REFERENCED SUMS WERE ADVANCED ON BORROWER(S) BEHALF TO MAINTAIN INSURANCE ON THE PROPERTY AND TO PAY PROPERTY TAXES IV. The total sum owing on the obligation secured by the Deed of Trust is: the principal sum of $181,178.35 , together with interest as provided in the Note, Deed of Trust, or other instrument secured from 5/24/2007 on, and such other costs, fees, and charges as are due under the Note, Deed of Trust, 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 9/4/2015 . The default(s) referred to in Paragraph III must be cured before this sale date (if curable) to cause a discontinuance of the sale. The sale will be discontinued and terminated if the default as set forth in Paragraph III is cured. For monetary defaults, payments must be in cash or with cashiers or certified checks from a State or Federally chartered bank. The sale may also be terminated any time before the sale date set forth in this Paragraph if the Borrower, Grantor or holder of any recorded junior lien or encumbrance pays the entire principal and interest, plus costs, charges, fees and advances, if any, made pursuant to the terms of the Note, Deed of Trust and/or other instrument secured, and cures all other defaults. VI. A written Notice of Default was transmitted by the Beneficiary or Trustee to the Borrower and Grantor at the following address(es): NAME ZELMA F ELDRIDGE ADDRESS 913 EAST 59TH STREET, TACOMA, WA 98404 by both first class and certified mail, 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. These requirements were completed as of 3/ 27/2015 . 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. NOTICE TO OCCUPANTS OR TENANTS – The Purchaser at the Trustee’s Sale is entitled to possession of the property on the 20 th 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 20 th 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. THIS NOTICE IS THE FINAL STEP BEFORE THE FORECLOSURE OF YOUR HOME. In the event the property secured by the Deed of Trust is owner-occupied residential real property, you may be eligible for mediation, 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: Toll-free: 1-877-894HOME (1-877-894-4663) or website: 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 or National website: http://portal.hud.gov/hudportal/HUD or for 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: Telephone: 1-800-606-4819 or website: http:// nwjustice.org/what-clear . ADDITIONAL NOTICES: If the sale is set aside for any reason, including if the Trustee is unable to convey title, the Purchaser at the sale shall be entitled only to a return of the monies paid to the Trustee. This shall be the Purchaser’s sole and exclusive remedy. The Purchaser shall have no further recourse against the Borrower, Grantor, Trustee, Beneficiary, Beneficiary’s Agent, or Beneficiary’s Attorney. If you have previously been discharged through bankruptcy, you may have been released of personal liability for this loan, in which case this letter is intended to exercise the Note holders right’s against the real property only. QUALITY MAY BE CONSIDERED A DEBT COLLECTOR ATTEMPTING TO
COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. TS No.: WA-15661061-SW Dated: 4/29/2015 Quality Loan Service Corp. of Washington, as Trustee By: Tricia Moreno, Assistant Secretary Trustee’s Mailing Address: Quality Loan Service Corp. of Washington C/O Quality Loan Service Corp. 411 Ivy Street, San Diego, CA 92101 (866) 645-7711 Trustee’s Physical Address: Quality Loan Service Corp. of Washington 108 1 st Ave South, Suite 202 Seattle, WA 98104 (866) 925-0241 Sale Line: 714-7302727 Or Login to: http:// wa.qualityloan.com TS No.: WA-15661061-SW IDSPub #0082187 7/ 31/2015 8/21/2015