Re: Knowles, David & Janice TS #60128-27193-NJ-WA APN #0418014014 Reference Number: 200012130637 Abbreviated Legal: PTN. SE 1/4 NW 1/4 SE 1/4 SEC. 01,TWN. 18N, RGE. 04E, W.M. Grantor: David S. Knowles and Janice M. Knowles, husband and wife Grantee: North Cascade Trustee Services Inc. Original Beneficiary: QFUND FINANCIAL, INC. DBA QUALFUND LENDING, AN OREGON CORPORATION 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/homeownership/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.gov/offices/hsg/sfh/hcc/fc/index.cfm?webListAction=search&searchstate=WA&filterSvc=dfc The statewide civil legal aid hotline for assistance anti 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 April 29, 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: PARCEL: A THE EAST HALF OF THE SOUTHEAST QUARTER OF THE NORTHWEST QUARTER OF THE SOUTHEAST QUARTER IN SECTION 01, TOWNSHIP 18 NORTH, RANGE 04 EAST OF THE WM., IN PIERCE COUNTY, WASHINGTON; PARCEL B: AN EASEMENT FOR INGRESS AND EGRESS OVER AND ACROSS THE FOLLOWING DESCRIBED PROPERTY: THAT PORTION OF THE SOUTH 17 FEET OF THE SOUTH HALF OF THE SOUTH HALF OF THE NORTHEAST QUARTER OF THE SOUTHEAST QUARTER IN SECTION 01, TOWNSHIP 18 NORTH, RANGE 04 EAST OF THE WM., IN PIERCE COUNTY, WASHINGTON, LYING WESTERLY OF THE WESTERLY LINE OF 204TH STREET EAST; SITUATE IN THE COUNTY OF PIERCE COUNTY. STATE OF WASHINGTON. APN: 0418014014 More commonly known as: 14505 204th St E, Graham, WA 98338 which is subject to that certain Deed of Trust dated December 5, 2000, recorded December 13, 2000. under Auditor’s File No. 200012130637, records of Pierce County, Washington, from David S. Knowles and Janice M. Knowles, husband and wife, as Grantors, to RAINIER TITLE, as Trustee, to secure an obligation in favor of QFUND FINANCIAL, INC. DBA QUALFUND LENDING, AN OREGON CORPORATION as Beneficiary, the beneficial interest in which was assigned to Wells Fargo Bank, N.A. as Trustee for Option One Mortgage Loan Trust 2001-A, Asset-Backed Certificates, Series 2001-A under an Assignment recorded on July 29, 2014 under Auditor’s File 201407290512 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 Borrower’s 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 $8,036.59 Interest Due $18,480.90 Escrow Payment $12,282.49 Grand Total $38,799.98 IV. The sum owing on the obligation secured by the Deed of Trust is: Principal $99,969.62, 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 ate 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 April 29, 2016. The defaults referred to in paragraph III must be cured by April 18, 2016 (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 April 18, 2016 (11 days before the sale date), the defaults as set forth in paragraph III are cured and the Trustee’s fees and costs are paid. Payment must be in cash or with cashiers’ or certified check from a state or federally chartered bank. The sale may be terminated any time after April 18, 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 alt other defaults. VI. A written notice of default was transmitted by the Beneficiary or Trustee to the Borrower and Grantor at the following addresses: David S. Knowles 14505 204th St E Graham, WA 98338 Occupant 14505 204th St F. Graham, WA 98338 Janice M. Knowles 14505 204th St E. Graham, WA 98332 by both first-class and certified mail on October 21, 2015, 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. 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 Trustees 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. Alter 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. To access sale information, please go to salestrack.tdsf.com or call the automated sales line at: 888-988-6736. Dated: December 14, 2015 North Cascade Trustee Services Inc., Duly Appointed Successor Trustee By Trevor Brown, Authorized Signatory 801 Second Avenue, Suite 600 Seattle, Washington 98104 Telephone 1-855-676-9686 Tac#991007 IDX689887 Pub dates: 03/31/16, 04/21/16