Re: Losch, James L. TO: Current Occupant, 162 123rd Street E, Tacoma WA 98445 James Losch, 5718 S Sheridan Ave, Tacoma WA 98408 Marc J. Baunach, 162 123rd Street E, Tacoma WA 98445 Internal Revenue Service, 915 2nd Ave, Stop W243, Seattle WA 98174 Dept of Revenue, Compliance Section, 20819 72nd AveS, #680, Kent WA 98032 First Savings Bank of Renton, n/k/a First Savings Bank Northwest, Beneficiary, 207 Wells Ave S, Renton WA 98057 Independent Trustee Foreclosure, Inc., Stephen Freeborn, Trustee NOTICE OF TRUSTEE'S SALE Pursuant to the Revised Code of Washington, Chapter 61.24 RCW I. NOTICEIS HEREBY GIVEN that the undersigned Trustee will on the 19th day of April, 2013 at the hour of 10:00 o'clock AM. at the second floor entry plaza, 930 Tacoma Avenue S, 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 describe real property, situated in the County of Pierce, State of Washington, legally described as follows, to-wit: Beginning on a line parallel and 900 feet South of the North line of the Thomas Tollentire Donation Land Claim, in Section 9, Township 19 North, Range 3 East of the Willamette Meridian, at a point 1520.5 feet West of the intersection of said parallel line with the East line of said donation land claim; Thence parallel with said North line of claim west 104 feet; Thence parallel with said East line of claim South 420 feet; Thence parallel with said North line of claim East 104 feet; Thence parallel with said East line of claim North 420 feet to the point of beginning. Situate in the County of Pierce, State of Washington. Tax account number: 0319094039 Which is subject to that certain Deed of Trust dated the 19th day of November 1993, recorded on the 29th day of November, 1993, under Auditor's File No. 9311290278, records of Pierce County, Washington, from James L. Losch, a single person, as Grantor, to Savren Service Corporation n/k/a First Financial Diversified Corporation, as Trustee, to secure an obligation in favor of First Savings Bank of Renton n/k/a First Savings Bank NW, as Beneficiary, the beneficial interest in which was assigned by N/A, under an Assignment recorded under Auditor's File No. N/A. 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. 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: Failure to pay monthly payments in the amount of $7,444.00 Failure to pay late charges in the amount of $123.80 Failure to pay reserve balance in the amount of $2,530.95 IV. The sum owing on the obligation secured by the Deed of Trust is: Principal $31,829.73, together with interest as provided in the note or other instrument secured from the 19th day of November, 1993, 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 19th day of April, 2013. The default(s) referred to in paragraph III must be cured by the 8th day of April, 2013 (11 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 8th day of April, 2013 (11 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 8th day of April, 2013 (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 all other defaults. VI. A written notice of default was transmitted by the Beneficiary or Trustee to the Borrower and Grantor at the following addresses: Current Occupant, 162 123rd Street E, Tacoma WA 98445 James Losch, 5718 S Sheridan Ave, Tacoma WA 98408 Marc J. Baunach, 162 123rd Street E, Tacoma WA 98445 by both first class and certified mail on the 13th day of November, 2012, proof of which is in the possession of the Trustee; and the Borrower and Grantor were personally served on the 14th day of November, 2012, 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 1 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 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. 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. 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. .XI. 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 recommended by the Housing Finance Commission: Toll-free: 1-877-894-HOME (1-877894-4663) http://www.dfi.wa.gov/ consumers/homeownership/ post_purchase_ counselors_foreclosure.htm 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 Dated this 15 day of January, 2013. /s/Stephen Freeborn, Trustee The Stephens Law Firm 300 North Meridian Puyallup WA 98371 253-863-2525 State of Washington)ss County of Pierce) On this 15th day of January, 2013, before me, the undersigned notary public in and for the State of Washington, duly commissioned and sworn personally appeared Stephen Freeborn, and said person acknowledged that he signed this instrument and acknowledged it to be his free and voluntary act and deed for the uses and purposes therein mentioned. Witness my hand and official seal hereto affixed the day and year first above written. /s/Symone Kittelson-Fisher Notary Public in and for the State of Washington,
residing in: Puyallup Commission expires: 9/25/15 Printed name of notary: Symone M. Kittelson-Fisher March 21, April 11