Re: Lee, Raphael NOTICE OF TRUSTEE'S SALE REFERRENCE NUMBER: 201208310973 GRANTOR(S): Karen L. Gibbon, PS GRANTEE(S): Raphael Lee Jr., a Single Man ABBREVIATED LEGAL: LOT 19, LINWOOD HEIGHTS, BOOK 16, PAGES 42 AND 42. APN# 530520-0010 WE ARE A DEBT COLLECTOR. THIS COMMUNICATION IS AN ATTEMPT TOCOLLECT 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) 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 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: Toll-free: 1-800-606-4819 http://nwjustice.org/what-clear I. NOTICE IS HEREBY GIVEN that the undersigned Trustee, Karen L. Gibbon, P.S., will on November 22, 2013, 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, State of Washington, to wit: LOT 19, LINWOOD HEIGHTS SECOND ADDITION, ACCORDING TO PLAT RECORDED IN BOOK 16 OF PLATS, PAGES 41 AND 42, IN PIERCE COUNTY, WASHINGTON. APN #5305200010 (commonly known as 6411 Hillcrest Dr. SW, Lakewood, WA 98499), which is subject to that certain Deed of Trust, dated August 24, 2012, recorded August 31, 2012, under Auditor's File No. 201208310973 records of Pierce County, Washington, from Raphael Lee Jr., a Single Man, as Grantors, to Chicago Title Insurance Company of Washington, as Trustee, to secure an obligation in favor of Mortgage Electronic Registration Systems, Inc. as nominee for 1st Rate Home Mortgage, Inc., as Beneficiary, the beneficial interest in which has been assigned to Freedom Mortgage Corporation, under Pierce County Auditor's File No. 201306100120. 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: