Re: Prasad, Ravin & Sani

NOTICE OF TRUSTEE’S SALE COMMERCIAL LOAN

PURSUANT TO THE REVISED CODE OF WASHINGTON RCW 61.24 ET SEQ

Grantor: Ravin Prasad and Sani Prasad, husband and wife.

Current beneficiary of the deed of trust: Steven G. McNeil, as his separate estate.

Current trustee of the deed of trust: Adam Birnbaum, Attorney at Law

Current mortgage servicer of the deed of trust: Steven G. McNeil, as his separate estate.

Reference number of the deed of trust: 201512040375

Parcel number: 012231-2037

I.

NOTICE IS HEREBY GIVEN that the undersigned Trustee will on the 19th day of February, 2021, at the hour of 11 o’clock A M. at PIERCE COUNTY CITY BUILDING, REAR ENTRANCE, 930 TACOMA AVE 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 2, PIERCE COUNTY LARGE LOT SURVEY, AS RECORDED MAY 21, 1982 UNDER RECORDING NO. 8205210113, RECORDS OF PIERCE COUNTY AUDITOR.

SITUATE IN THE COUNTY OF PIERCE, STATE OF WASHINGTON.

Commonly Known as: Vacant Land located at 14315 106th St Ct KPN Gig Harbor, WA 98332

which is subject to that certain Deed of Trust dated November 24th, 2015, recorded December 4th, 2015, under Auditor’s File No. 201512040375, records of Pierce County, Washington, from Ravin Prasad and Sani Prasad, husband and wife, as Grantors, to Ticor Title Company, as Trustee, to secure an obligation in favor of Steven G. McNeill, as his separate estate. 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:

Monthly Payments:

42 monthly payments at $181.88 each: $ 7,638.96 2017 – March, June through December (8 months)

2018 – Jan through Dec (12 months)

2019 – Jan through Dec (12 months) 2020 – Jan through Oct (10 months) Late Charges:

41 late charges of $9.094 for each monthly

payment not made within 15 days of due date: $ 372.85 Real Estate Taxes Paid by Beneficiary:

2017 RE taxes $ 609.84 2018 RE taxes $ 785.49

TOTAL MONTHLY PAYMENTS AND LATE CHARGES: $ 9,407.14 Default other than failure to make monthly payments:

2019 RE taxes $ 525.26 plus interest and late charges

2020 RE taxes $ 636.51 plus interest and late charges

Total Taxes Due and owing:

$1,161.77 plus interest and late charges

IV.

The sum owing on the obligation secured by the Deed of Trust is: Principal $21,451.16, together with interest as provided in the note or other instrument secured from the 20th day of May, 2017 in the amount of $13,519.57, 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 February, 2021. The default(s) referred to in paragraph III must be cured by the 8th day of February, 2021, (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 February,2020, (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 February, 2021, (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:

Ravin Prasad and Sani Prasad

14315 106th St Ct KPN

Gig Harbor, WA 98332

Ravin Prasad and Sani Prasad

10407 SE 147th Street

Renton, WA 98055

Ravin Prasad and Sani Prasad

340-15th Ave Seattle, WA 98122

by both first-class and certified mail on the 9th day of September, 2020, proof of which is in the possession of the Trustee; and the Borrower and Grantor were personally served on the 20th day of September, 2020, 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.

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.

s/ Adam Birnbaum

Adam Birnbaum, Attorney

The Birnbaum Law Offices, PLLC

112 W. Meeker

Puyallup, WA 98371

(253) 864 6540

IDX-913062

January 20, February 9, 2021