Re: MORROW, JOHN A & DAWN NOTICE OF TRUSTEE'S SALE Pursuant to R.C.W. Chapter 61.24, et seq. and 62A.9A-604(a)(2) et seq. Trustee's Sale No: WA-RCS-14014986 Loan No. 0520592326 I NOTICE IS HEREBY GIVEN that the undersigned Trustee, PEAK FORECLOSURE SERVICES OF WASHINGTON, INC., will on June 12, 2015, at the hour of 10:00 AM, at THE 2ND FLOOR ENTRY PLAZA OUTSIDE THE COUNTY COURTHOUSE, 930 TACOMA AVENUE SOUTH, TACOMA, WA, sell at public auction to the highest and best bidder, payable at the time of sale, the following described real and personal property (hereafter referred to collectively as the "Property"), situated in the County of PIERCE, State of Washington, to-wit: PARCEL A: COMMENCING AT THE SOUTHWEST CORNER OF THE SOUTHWEST QUARTER OF THE SOUTHEAST QUARTER OF SECTION 24, TOWNSHIP 22 NORTH, RANGE 01 WEST OF THE W.M., IN PIERCE COUNTY, WASHINGTON; THENCE SOUTH 88º 51' 13" EAST ALONG THE SOUTH LINE OF SAID SUBDIVISION 497.56 FEET; THENCE NORTH 00º 12' 28" WEST 870.67 FEET TO THE POINT OF BEGINNING; THENCE CONTINUING NORTH 00º 12' 28" WEST 450.34 FEET TO AN INTERSECTION WITH THE NORTH LINE OF SAID SUBDIVISION; THENCE NORTH 89º 29' 37" WEST ALONG SAID NORTH LINE 498.59 FEET TO THE NORTHWEST CORNER OF SAID SUBDIVISION; THENCE SOUTH 00º 15' 24" EAST ALONG THE WEST LINE OF SAID SUBDIVISION 448.49 FEET; THENCE SOUTH 89º 16' 51" EAST 498.23 FEET TO THE POINT OF BEGINNING; EXCEPT THE NORTH 30 FEET CONVEYED TO PIERCE COUNTY FOR RIGHT OF WAY FOR ELGIN CLIFTON COUNTY ROAD BY DEED RECORDED UNDER RECORDING NO. 2632092; PARCEL B: A NON-EXCLUSIVE EASEMENT FOR INGRESS, EGRESS AND UTILITIES OVER AND ACROSS A STRIP OF LAND 30 FEET IN WIDTH BEING 15 FEET ON EACH SIDE OF THE FOLLOWING DESCRIBED CENTER LINE: COMMENCING AT THE SOUTHWEST CORNER OF THE SOUTHWEST QUARTER OF THE SOUTHEAST QUARTER OF SECTION 24, TOWNSHIP 22 NORTH, RANGE 01 WEST OF THE W.M., IN PIERCE COUNTY, WASHINGTON; THENCE SOUTH 88º 51' 15" EAST ALONG THE SOUTH LINE OF SAID SUBDIVISION 497.56 FEET; THENCE NORTH 00º 12' 28" WEST 30 FEET TO INTERSECT THE NORTH RIGHT OF WAY LINE OF BUTTERFIELD COUNTY ROAD; THENCE CONTINUING NORTH 00º 12' 28" WEST 1260.99 FEET TO THE TERMINUS OF SAID CENTER LINE DESCRIPTION; PARCEL C: AN EASEMENT FOR INGRESS AND EGRESS AND UTILITIES OVER, UNDER AND ACROSS THE NORTH 30 FEET OF THE ABOVE PARCEL A; SITUATE IN THE COUNTY OF PIERCE, STATE OF WASHINGTON. Tax Parcel No: 0022244028, commonly known as 13104 156TH AVE CT KPN, GIG HARBOR, WA. The Property is subject to that certain Deed of Trust dated 8/ 23/2005, recorded 8/23/2005, under Auditor's/Recorder's No. 200508231299, records of PIERCE County, Washington, from JOHN A. MORROW AND DAWN M. MORROW, HUSBAND AND WIFE, as Grantor, to TRANSNATION TITLE INSURANCE COMPANY, as Trustee, in favor of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS NOMINEE FOR QUICKEN LOANS INC., as Beneficiary, the beneficial interest in which is presently held by THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK, AS TRUSTEE FOR THE CERTIFICATEHOLDERS OF CWALT, INC., ALTERNATIVE LOAN TRUST 2005-52CB, MORTGAGE PASSTHROUGH CERTIFICATES, SERIES 2005-52CB. 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. The default(s) for which this foreclosure is/are made are as follows: FAILURE TO PAY THE MONTHLY PAYMENT WHICH BECAME DUE ON 4/ 1/2009, AND ALL SUBSEQUENT MONTHLY PAYMENTS, PLUS LATE CHARGES AND OTHER COSTS AND FEES AS SET FORTH. IN ADDITION, THE BENEFICIARY WILL REQUIRE AS A CONDITION TO REINSTATEMENT THAT YOU PROVIDE RELIABLE WRITTEN EVIDENCE THAT ALL SENIOR LIENS, PROPERTY TAXES, AND HAZARD INSURANCE PREMIUMS ARE PAID CURRENT AS PROVIDED IN THE DEED OF TRUST. Other potential defaults do not involve payment to the Beneficiary. If applicable, each of these defaults must also be cured. Listed below are categories of common defaults which do not involve payment of money to the Beneficiary. Opposite of each such listed default is a brief description of the action/documentation necessary to cure the default. The list does not exhaust all possible other defaults; any defaults identified by Beneficiary or Trustee that are not listed below must also be cured. OTHER DEFAULT ACTION NECESSARY TO CURE Nonpayment of Taxes/Assessments Deliver to Trustee written proof that all taxes and assessments against the property are paid current Default under any senior lien Deliver to Trustee written proof that all senior liens are pain current and that no other defaults exist Failure to insure property against hazard Deliver to Trustee written proof that the property is insure against hazard as required by the Deed of Trust Waste Cease and desist from committing waste, repair all damage to property and maintain property as required in Deed of Trust Unauthorized sale of property (Due on sale) Revert title to permitted vestee Failure to pay when due the following amounts which are now in arrears: Delinquent Payments from April 01, 2009 64 payments at $2,418.35 each $154,774.40 7 payments at $3,686.87 each $25,808.09 (04-01-09 through 0205-15) Late Charges $12,363.73 Escrow Required $2,460.18 TRUSTEE EXPENSES Trustee Fee $1,500.00 Certified Mailing Cost $155.91 Posting Cost $150.00 Publication Set-Up $99.00 Recording Cost $144.00 TSG Guarantee Policy $875.00 Amount to reinstate on or before 02/05/15 $198,330.31 The sum owing on the obligation secured by the Deed of Trust is: Principal $351,769.31, 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 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 June 12, 2015. The default(s) referred to in paragraph III must be cured by June 1, 2015 (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 June 1, 2015, (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 at any time after June 1, 2015, (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: DAWN M. MORROW, 13104 156TH AVE CT KPN, GIG HARBOR, WA, 98329 DAWN MORROW, 221 E COUNTRY LN, ALLYN, WA, 98524 DAWN MORROW, 9311 ANTRIM LN SW, PORT ORCHARD, WA, 98367 JOHN A MORROW, 9311 ANTRIM LN SW, PORT ORCHARD, WA, 98367 JOHN A. MORROW, 13104 156TH AVE CT KPN, GIG HARBOR, WA, 98329 JOHN MORROW, 221 E COUNTRY LN, ALLYN, WA, 98524 RESIDENT, 13104 156TH AVE CT KPN, GIG HARBOR, WA, 98329 by both first class and certified mail on 12/23/2014, proof of which is in the possession of the Trustee; and on 12/ 23/2014, the Borrower and Grantor were personally served 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 w
ill be to deprive the Grantor and all those who hold by, through or under the Grantor of all of 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 same 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. 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 TO AN ATTORNEY LICENSED IN WASHINGTON NOW to access your situation and refer you to mediation if you 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 house, you may contact the following: The statewide foreclosure hotline for assistance and referral to housing counselors recommended by the Housing Finance Commission: Telephone: 1-877-894HOME (1-877-894-4663) Web site: www.wshfc.org The United States Department of Housing and Urban Development: Telephone: 1-800-569-4287 Web site: www.hud.gov The statewide civil legal aid hotline for assistance and referrals to other housing: Telephone: 1-800-606-4819 Web site: www.ocla.wa.gov 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 and tenants. After the 20th day following the sale the purchaser has the right to evict occupants and tenants by summary proceeding under the Unlawful Detainer Act, Chapter 59.12 RCW. Sale Information Line: 714-730-2727 or Website: http:// www.lpsasap.com DATED: 2/5/15 PEAK FORECLOSURE SERVICES OF WASHINGTON, INC., AS TRUSTEE One Union Square, Suite 1730,600 University Street Seattle, WA 98101 By: Lilian Solano, Trustee Sale Officer Address for Service of Process: Peak Foreclosure Services of Washington, Inc. One Union Square, Suite 1730 600 University Street Seattle, WA 98101 (206) 682-0822 Address for Account Inquiries: Peak Foreclosure Services, Inc. 5900 Canoga Avenue, Suite 220 Woodland Hills, CA 91367 (818) 591-9237 A-4510848 05/08/ 2015, 05/29/2015