Re: Illichmann, Debra NOTICE OF TRUSTEE'S SALE PURSUANT TO THE REVISED CODE OF WASHINGTON CHAPTER 61.24, ET. SEQ. TO: Debra A. Illichmann 5637 S. Cedar St. Tacoma, WA 98409 I NOTICE IS HEREBY GIVEN that the undersigned Trustee will on the 8th day of January 2016, at the hour of 10:00 a.m. o'clock, a.m., at the Pierce County Superior Court, 930 Tacoma Ave. So., 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: Tax Parcel No: 6080000320 See Exhibit "A" attached hereto which is subject to that certain Deed of Trust dated January 28, 2013, recorded February 5, 2013, under Auditor's File No. 201302050586, records of Pierce County, Washington, Debra A. Illichmann, as Grantor and the Law Office of Jacob L. Potak, P.S. as Successor Trustee to secure an obligation in favor of Jon H. Kvinsland, as Beneficiary. II No action commenced by the Beneficiary of the Deed of Trust or the Beneficiary's successor is now pending to seek satisfaction of the obligation in any Court by reason of the Grantor's default on the obligation secured by the Deed of Trust. III The default(s) for which this foreclosure is made is/are as follows: 1. Failure to comply with the Deed of Trust by failure to pay the following past due items, the amounts and an itemization for which is given below: Item Amount a. Principal amount of Note $62,000.00 b. Past due payments ($542.50/month) $ 8,137.50 over fifteen (15) months beginning August 1, 2014 c. Default interest on delinquent principal $ 4,650.00 balance of 18% annualized beginning November 1, 2014 d. Late fees ($54.25/month $ 651.00 Beginning November 1, 2014 e. Delinquent real property taxes for 2014 $ 2,512.54 f. Delinquest real property taxes for 2015 $ 2,322.26 g. Insurance paid by Lender$ 1,059.04 $81,332.34 IV The sum owing on the obligation secured by the Deed of Trust is: Principal $62,000, together with interest as provided in the note or other instrument secured from the 1st day of August 2014, 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 the 8th day of January 2016. The default(s) referred to in paragraph III must be cured by the 28th day of December 2015 (11 (eleven) 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 the 28th day of December 2015 (11 (eleven) 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 the 28th day of December 2015 (11 (eleven) days before the sale date) and before the sale by the Borrower, Grantor, any Guarantor or the Grantor's successor in interest 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 obligations 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 Grantor and the Grantor's successor in interest at the following addresses: Name Address Debra A. Illichmann 5637 S. Cedar St., Tacoma, WA 98409 by both first class and either registered or certified mail on the 5th day of December, 2014, proof of which is in the possession of the Trustee; and written notice of default was served on the Grantor by posting in a conspicuous place on the real property described in Paragraph I above, on the 9th day of December 2014, 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 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 61.24.130. Failure to bring such a lawsuit may result in a waiver of any proper grounds for invalidating the Trustee's sale. 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. 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 Trust. This shall be the Purchaser's sole and exclusive remedy. The purchaser shall have no further recourse against the Trustor, the Trustee, the Beneficiary, the Beneficiary's Agent, or the 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 holder's rights against the real property only. THIS OFFICE IS ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit report agency if you fail to fulfill the terms of your credit obligations. DATED the 11 day of November 2015. SUCCESSOR TRUSTEE: LAW OFFICE OF JACOB L. POTAK, P.S. By: /s/Jacob L. Potak 5801 Soundview Drive, Suite 258 Gig Harbor, WA 98335 (253)858-1160 STATE OF WASHINGTON ) ss. COUNTY OF PIERCE ) On this day personally appeared before me Jacob L. Potak to me known to be the individual described in and who executed the within foregoing instrument, and acknowledged that he signed the same as his free and voluntary act and deed, for the uses and purposes therein mentioned. GIVEN under my hand and official seal this 11 day of November 2015. /s/JENNIFER L. NICHOLSON Notary Public in and for the State of Washington, residing at Gig Harbor Print Name: Jennifer L. Nicholson My Commission Expires: 10-19-2017 EXHIBIT "A" Parcel No: 6080000320 THE SOUTH HALF OF LOT 18 AND ALL OF LOTS 19 AND 20, BLOCK 3, MAP OF MONTICELLO PARK ADDITION TO THE CITY OF TACOMA, ACCORDING TO THE PLAT THEREOF RECORDED IN VOLUME 2 OF PLATS, PAGE 122, RECORDS OF PIERCE COUNTY, WASHINGTON. SITUATE IN THE COUNTY OF PIERCE, STATE OF WASHINGTON. SUBJECT TO CONDITIONS AND RESTRICTIONS OF RECORD. IDX-672725 December 10, 31