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Senator Dick Durbin said that predator lending practices can have crippling effects on the people who can least afford them. (Official Photo)

Lawmakers Seek End to Triple-Digit Interest on Payday and Car-Title Loans

By Charlene Crowell A group of Capitol Hill lawmakers are combining efforts and influence to legislatively crack down on predatory lending, nationwide.

Seventeen Members of the U.S. House and eight U.S. Senators are supporting companion bills that would slash the cost of payday and car-title loans from their typical 300 percent annual interest rate to no more than 36 percent—the same rate protection that Congress first provided military families in 2006.

Today, 90 million Americans living in 15 states and D.C. benefit from enacted rate caps of 36 percent or lower.

But in the other 35 states, residents remain vulnerable to triple-digit interest rates that average 400 percent n Lawmakers, see page 5

VOL. XXV NO. 48

OCTOBER 6, 2017

Inside This Issue

We Must Take Every Opportunity to Fight Voter Suppression n See page 3

Kamala Harris at black church: US isn’t as split as it seems

By BILL BARROW

Making her first high-profile foray into the Southern black church, California Sen. Kamala Harris told a Georgia congregation founded by former freed slaves that the United States remains wracked by racism, sexism and other forms of discrimination that flout the nation’s core values.

B

UT the rising Democratic Party star added that Americans aren’t as split as ``forces of hate and division’’ suggest. ``I believe it is time we replace the divide-and-conquer,’’ she said from the pulpit of First Congregational Church in downtown Atlanta, adding that national unity comes from citizens’ recognizing their share priorities while still honoring diversity.

A 52-year-old, first-term senator widely mentioned as a potential national candidate, Harris did not mention President Donald Trump in her remarks.

Yet her approach highlights a complex political task for Democrats as they try to counter Trump’s economic appeals to workingclass whites, while honoring their core supporters among nonwhites, to rebuild the electoral coalitions that twice elected President Barack Obama. And the choice of venue _ a congregation that includes business, civic and political players in Atlanta’s black community _ also nods to a Democratic constituency that helped sway the party’s last two presidential nominating battles.

Harris’s future prospects dominated her appearance as the invited keynote for the 150th

anniversary of First Congregational Church’s founding.

Introducing Harris, church member and personal friend of the senator Eugene Duffy called the occasion ``a day of projection and reflection.’’

At the word ``projection,’’ Duffy pointed at the senator.

Duffy also dispensed with Harris’s avoidance of lambasting the Trump administration, praising her for her aggressive questioning of ``that white supremacist Jeff Sessions,’’ the nation’s attorney general. He said Harris ``pulled (Sessions’) sheet off ’’ at hearings on Capitol Hill. n Kamala Harris, see page 5

Lawmakers, Civil Rights Leaders Challenge DeVos on Student Loan Enforcement

By Charlene Crowell (Communications Director, Center for Responsible Lending) Civil rights leaders and Capitol Hill lawmakers are standing up and speaking out against a recent Department of Education (DOE) decision to sever its working relationship with the Consumer Financial Protection Bureau (CFPB).

In separate and independent actions,

Education Secretary Betsy DeVos and staff are being challenged and corrected as to its understanding of a sole office having complete authority and enforcement regarding the nation’s student loans.

As readers may recall, an earlier column reported on an August 31 advisory by the Department of Education’s decision to formally end two Memorandums of Understanding (MOUs) that guided Education’s

working relationship with CFPB. The first MOU detailed how DOE would share information with CFPB. The second detailed how the two agencies would cooperate on supervisory oversight, the process that has led to multiple million dollar settlements for fraud and other legal violations. For CFPB, the correspondence was an unexpected 30-day cancellation notice.

It was also one that affects more than 40 million consumers, who

together owe $1.4 trillion in a combination of federal and private student loan debt. Among Black students who used student loans to finance a bachelor’s degree, the burden of debt is disproportionate.

Four years following graduation, they owe almost double the amount of their white classmates, according to research by the Center for Responsible Lending (CRL). n Student loans, see page 5

How the Bankruptcy System Is Failing Black Americans BLACK PEOPLE STRUGGLING WITH DEBTS ARE FAR LESS LIKELY THAN THEIR WHITE PEERS TO GAIN LASTING RELIEF FROM BANKRUPTCY, ACCORDING TO A PROPUBLICA ANALYSIS. PRIMARILY TO BLAME IS A STYLE OF BANKRUPTCY PRACTICED BY LAWYERS IN THE SOUTH.

by Paul Kiel with Hannah Fresques Novasha Miller pushed through the revolving doors of the black glass tower on Jefferson Avenue last December and felt a rush of déjà vu. The building, conspicuous in Memphis’ modest skyline along the Mississippi River, looms over its neighbors. Then she remembered: Years ago, as a teenager, she’d accompanied her mother inside.

Now she was 32, herself the mother of a teenager , and she was entering the same door, taking the same elevator. Like her mother before her, Miller was filing for bankruptcy.

She’d cried when she made the decision, but with three boys and one uneven paycheck, every month was a narrow escape. A debt collector had recently won a court judgment against her and, along with that, the ability to seize a chunk of her pay.

Soon, she would be forced to decide between groceries or electricity.

Bankruptcy, she figured, despite its stink of shame and failure, would stop all that. She could begin anew: older, wiser, and with a job at a catering company that paid $10.50 an hour, a good bump from her last one. She could keep dreaming of a life where she had money left over at

the end of each month, a chance of one day owning a home.

What Miller didn’t know when she swallowed her pride and called a local bankruptcy attorney is that she would probably end up right back where she started, with the same debts, in the same crisis. For the black debtors who, for generations, have made Memphis the bankruptcy capital of the U.S., the system delivers neither forgiveness nor renewal.

Up on the sixth floor of that tower where I met Miller last February, the U.S. Bankruptcy Court for the Western District of Tennessee appeared to be a well-functioning machine. Debtors, nearly all black like her, crowded the wedge-shaped waiting area as lawyers, paralegals and court staff, almost all white, milled about in front. Hundreds of cases are filed here every week, and those who oversee and administer the process all proudly note the court’s marvelous efficiency. Millions of dollars flow smoothly to creditors, to the court, to bankruptcy attorneys.

But the machine hides a harsh reality. When ProPublica analyzed consumer bankruptcy filings nationwide, the district stood out, both for the stunning number of cases in which debtors were unable to get relief, and for the reasons why.

Miller in her living room near a collection of her sons’ trophies (Andrea Morales for ProPublica) In Memphis, an entrenched legal culture has made bankruptcy a boon for attorneys while miring clients like Miller in a cycle of futility.

Under federal bankruptcy law, people overwhelmed by debt have a choice: They can either file under Chapter 7, which wipes out debts and, since most filers lack significant assets, allows them to keep what little they have. Or they can choose Chapter 13, which usually requires five years of payments to creditors before any debts are eliminated, but blocks foreclosures and car

repossessions as long as debtors can keep up. In most of the country, Chapter 7 is the overwhelming choice. Only in the South, in a band of states stretching from North Carolina to Texas, is Chapter 13 predominant.

The responsibility of knowing which path to pick falls to those seeking relief. In Memphis, about three-quarters of filings are under Chapter 13. That’s how Miller filed.

She thought the two chapters were “the same,” she told me.

Initially, they are. Upon

filing, debtors are shielded from garnishments and debt collectors.

But whereas under Chapter 7 those protections are generally made permanent after a few months, under Chapter 13 they last only as long as payments are made. Most Chapter 13 filers in Memphis don’t last a year, let alone five.

As efficiently as cases are opened, they are closed — usually because debtors fail to keep up with payments, according to a ProPublica analysis of court data. In 2015, over 9,000 cases in the district were dismissed — more cases than were filed in 22 other states that year. Less than a third of Chapter 13 cases in the district result in a discharge of debts. And when their cases are dismissed, debtors are often in worse straits, because as they struggled to make payments, the interest on their unpaid debts continued to mount.

Once the refuge of bankruptcy is gone, the debt floods back larger than ever. They’ve borne the costs of bankruptcy — attorney and filing fees, a seven-year flag on their credit reports — without receiving its primary benefit. A system that is supposed to eliminate debt instead serves to magnify it.

Driving this tremendous churn n Bankruptcy, see page 4

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TRI-COUNTY SENTRY, OCTOBER 6, 2017

OPED One Good Deed Deserves A Kick In The Pants Dr. James L. Snyder Have you ever had the feeling that any good deed you try is counteracted by a good swift kick in the pants?

I recently grabbed a quick lunch at a local restaurant. I don’t like eating at fast food restaurants, but, occasionally, I don’t have much choice. Then, once in the restaurant the menu doesn’t give me much choice, either.

I ordered my lunch and settled at a corner table.

About halfway through my lunch an older couple took the table next to me. Being a “people watcher,” which is a fancy way of saying, “I’m nosy,” I watched this couple out of the corner of my eye.

I noticed right away the woman got her things situated immediately. Not so with the man.

He struggled to unwrap the plastic fork. He fumbled trying to break the plastic wrapping and free his fork so he could begin eating. Nothing he did seemed to advance his cause.

Without missing a beat, his wife reached over, took the wrapped fork from her husband, popped it open in one easy motion and handed it back to him. Without saying a word, he took it and began eating.

This incident reminded me of something that happened the week before.

A friend phoned, asking me if I could help a friend of his who was moving from Florida to Virginia and had nobody to help him. Immediately I agreed to help all I could. After hanging up my phone, I wondered what I had gotten myself into.

I told him to have this person call me. I figured if he doesn’t call, I wouldn’t have to help. No sooner had this thought rambled through the little gray cells, then the telephone rang. It was this person requesting my assistance.

I invited him to church on Sunday and we would see how we could help him. I hoped the “we” did not mean “me.” After hanging up the telephone, I told my wife the incident and she reassuringly said, “He may not even come to church.” I took comfort in her suggestion.

On Sunday morning, an hour before services, this person showed up at church. He introduced himself and we got acquainted.

“All I have,” he assured me, “are 25 boxes of books that I need to take to the post office so I can mail them to where I am going.”

Well, I mused, this may not be as bad as I thought.

On awakening Monday morning, second thoughts about the whole project bombarded my empty head. I was trying to think of some way to graciously bow out of the whole mess.

I have a problem pronouncing the word “no.” You have no idea the trouble this has brought me. I’m thinking of consulting a speech therapist to help me.

My watch told me I was running a little late. I wish my watch would tell me how to get out of such predicaments. But when I inquired, it didn’t give a tick. Then an idea burst in my noggin. If he said anything about me being late I will get mad, turn around and go home. Or, if he wasn’t ready to move the boxes when I got there, I would, in a huff, turn around and stomp off and go home.

It’s been such a long time since I got mad or angry that I wasn’t confident of my plan. But, I reasoned to myself, it’s worth a try.

I found myself running about 45 minutes late. I was grinning to myself, thinking this would be enough to make him say something about my tardiness.

When I arrived, he was waiting for me with everything in readiness. He greeted me in a very cheery voice and made no mention whatsoever about my lateness.

This distressed me.

Surveying the work before us, I figured it would only a few hours to load the truck, drive to the post office, which was only a couple blocks away.

I had the auspicious job of lifting every box from the truck up on to the dolly on the dock, several feet over my head. Complicating things even more, the post office personnel supervising the unloading of these boxes was a woman. This meant I could not groan nor complain about the strain of lifting boxes several feet over my head.

I guess it must be a man-thing. vI was wondering while working, just why he asked for help. Really, this was not a two-man job. He could have done this quite nicely all by himself.

Then the real reason slipped out from under a nearby rock where it had been hiding.

“The school where I will be teaching,” he began, “will reimburse me for all my expenses in moving. But ...” I was now ready for the rest of the story. “But, I am a little short on cash and was wondering if you could help me?

I’ll be glad to send the money back to you.”

Then I got mad.

I thought he wanted a hand up when in reality he wanted a hand out.

Driving home I was reminded of what the Bible said, “And let us not be weary in well doing: for in due season we shall reap, if we faint not. As we have therefore opportunity, let us do good unto all men, especially unto them who are of the household of faith.” (Galatians 6:910).

I remembered what someone told me once. Nobody can take advantage of a Good Samaritan.

Dr. James L. Snyder is pastor of the Family of God Fellowship, 1471 Pine Road, Ocala, FL 34472. He lives with his wife in Silver Springs Shores. Call him at 352687-4240 or e-mail jamessnyder2@att.net. The church web site is www.whatafellowship.com.

The American Flag Is Soaked in Black Blood

By Julianne Malveaux (NNPA Newswire Columnist)

I am not sure why the national anthem and the socalled American flag are part of our nation’s sports pageantry. Before 2009, while the national anthem was played, sports gladiators were not required to suit up, stand up, and put their hands to their hearts; and why should they? The song that is sung is an insult to people of color. When I hear “the land of the free and the home of the brave,” I think, “the land of the thief and the home of the slave.” The Department of Defense paid the National Football League (seriously?) to promote a fake sense of cultural hegemony, and to spread the false notion that we are all on the same page when it comes to patriotism.

How could we be on the same page? How could the men who have been hauled out of their cars, pushed down to their knees, forced to justify the reasons they are driving highend cars be on the same page with the men who “own” them, who may or may not support them, or may or may not kneel with them?

Colin Kaepernick took a knee during the national anthem, not because he wanted to disparage the flag, but because he disparaged the many ways that African American people were being diminished by police brutality.

Call the names, call the names, the men and the women who have been unjustifiably killed, call the names, and call the names of the many ways Back Lives Must Matter. Call the names, call the names, of the structural racism that cuts like a knife, or kills like a bullet.

Call the names.

There are those who have a story to tell about so-called disrespect to the “American flag,” the same American flag that is drenched in blood.

Black men went to fight in

World War I and came back to this country and were lynched, because they refused to yield the sidewalk to White people.

What flag did they serve under, and why should we celebrate it? Why do disingenuous fools, including “Mr. 45,” chide NFL owners with strangely coded language, suggesting a lack of loyalty? Where is the loyalty to the Black men and women who supported a country that would not support them? The paradox of loyalty is that African Americans love a country that does not love us. We pledge the flag, drenched in blood, because we want something better.

Colin Kaepernick took a stand, and many of his colleagues support him because they cannot embrace a flag that supports the unjustified killing of African American men.

Colin Kaepernick sacrificed his career to make a point, and he has been focused and fierce about his principles.

Colin Kaepernick, by kneeling, encouraged all of us to stand up for our rights.

Colin Kaepernick is a hero!

This protest is more, though,

than Colin Kaepernick. This protest is about police brutality.

This is a protest about the fakeJake way some would bond us together, linking arms and elbows, trying to make a point.

There is no point beyond the fact that young, Black men, who play football, baseball, and basketball see their brothers and cousins on their knees, legs and arms splayed, forced to the ground by oppressive police forces. The professional athletes freely kneel, because others knelt when they were forced to, because they were not free.

We can fly this flag all we want to, we can sing melodious songs about “the star spangled banner,” but the flag we fly in

the name of sports is a flag that is drenched in blood. Players weren’t “encouraged” to stand at attention during the national anthem until 2009, when the Department of Defense paid money to make it happen. I’d prefer for my tax dollars to be spent more wisely. I’d prefer that some of that money went to washing the blood out of the flag.

Julianne Malveaux is an author, economist and founder of Economic Education. Her latest book “Are We Better Off? Race, Obama and Public Policy” is available to order at Amazon.com and at www. juliannemalveaux.com. Follow Dr. Malveaux on Twitter @ drjlastword.

Coming Out As a White Nationalist When It Comes to Immigration and Free Trade, I am a White Nationalist

By Raynard Jackson (NNPA Newswire Columnist) A few years ago, I wrote one of the most difficult, most personal columns I have ever written. I was totally terrified about going public with that particular column, because I didn’t know how strangers, my family, or my friends would respond to it.

In 2013, I came out of the closet and out of the shadows.

I publicly admitted that I was heterosexual. Wow. I tell you, once I came out of the closet, I felt like the weight of the world had been lifted off my shoulders. The outpouring of support was massive, though I never received a call from President Obama or a tweet from Kobe Bryant; nonetheless, it felt good to be out of the closet.

I find myself in that same predicament years later.

During the past few months it has come to my attention that I, like most Trump supporters, am a White nationalist. This is not to be confused with a White supremacist. White supremacists believe that Whites are superior to other races or groups of people, simply because of their skin color, nothing more. That’s all I will say on that issue for now.

But, White nationalists or nationalists of any color and background simply believe that our politicians and other leaders should put the interest of America and Americans first. End of story.

Liberals and liberal media

wages of American workers, among other things.

My ideological default has always been free trade, but in my economic maturity I have come to understand that there is no such thing as free trade; only fair trade.

outlets often call Trump supporters White nationalists.

But what about Blacks who believe in putting America and Americans first? Are we, by extension, White nationalists, too?

Let me be clear: if you are in this country illegally, you gotta go. I don’t want America’s sovereignty to be subjugated to international organizations like the United Nations. I don’t want our economy to be dictated to by global organizations, the European Union or by onerous trade deals that would devastate our economy like the TransPacific Partnership (TPP).

America can’t continue to be the dumping ground for all refugees fleeing all manner of conflicts and other human tragedy throughout the world.

We have military veterans coming back from wars and sleeping under bridges. We have American citizens who are homeless and have mental

health issues. I can’t find it in me to be overly concerned with non-citizens and refugees, when my own family is hurting.

At many universities, if you’re an American citizen and you don’t live in the state where you want to attend college, in most cases, you have to pay out-of-state tuition. Yet, if you are in the country illegally, you can pay in-state tuition in more than a dozen states.

Can anyone explain to me how can there be even one instance of an illegal qualifying for a benefit an American citizen is not eligible for?

My graduate thesis from George Mason University was on the North American Free Trade Agreement (NAFTA).

I wrote that I was a huge proponent of NAFTA’s passage.

Now, when I reflect back on that agreement, some twenty years later, I would be opposed to it, because I can now see how the agreement depressed the

Let me ask a question.

What parent would sacrifice the well-being of his family to help another family in need, who they have no relationship with? Who would criticize this parent for feeding his children, even though he sees news footage of families starving in India? The answer is absolutely no one.

One of the major omissions in our public discourse is that journalists never, ever make their guests define their terms.

If journalists are going to label someone a White nationalist, they should at least define what that word means.

If a White nationalist is someone who puts his own country and its citizens before another country and their citizens, then, by that definition, I am a White nationalist, too.

Raynard Jackson is founder and chairman of Black Americans for a Better Future (BAFBF), a federally registered 527 Super PAC established to get more Blacks involved in the Republican Party. BAFBF focuses on the Black entrepreneur. For more information about BAFBF, visit www.bafbf.org. You can follow Raynard on Twitter @ Raynard1223.

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TRI-COUNTY SENTRY, OCTOBER 6, 2017

OPED

The Fight to Protect Voting Rights Continues #StayWoke

We Must Take Every Opportunity to Fight Voter Suppression

By Derrick Johnson (Interim President and CEO, NAACP) We all know the power of the vote.

One person, one vote serves as the basic ethos and measurement of any democratic nation. Without true voter protection, integrity and universal access, America’s light on the hill dims.

Since Shelby V. Holder dismantled the Voting Rights Act, many southern, states with a history of voter suppression and related oppression of Black communities, could, once again, enact laws that would attempt to manipulate the sole entity which made all Americans equal: the vote.

During the Presidential election of 2016, the first in 50 years without full protection of the VRA, six of the 14 states implementing restrictive voter laws were previously covered

by Section 5 of the VRA. Additionally, five of those states—Mississippi, Texas, South Carolina, Alabama and Virginia—put in place new voter ID laws.

Since 2010, twenty states have placed additional obstacles to the ballot box and according to the Brennan Center for Justice, “states most likely to pass new voting restrictions were those with the highest African-American turnout in 2008, those with the highest Hispanic population growth between 2000 and 2010, and/or those formerly covered under Section 5 of the Voting Rights Act.” In 1858, when running for the U.S. Senate from Illinois, Abraham Lincoln said: “A house divided against itself cannot stand. I believe this government cannot endure, permanently half slave and half free. I do not expect the Union to be dissolved—I do not expect the house to fall—but I do expect it will cease to be

divided. It will become all one thing, or all the other…”

Lincoln would go on to lose that election to Stephen A. Douglas, but the words he uttered would last the test of time. Today, we ask the same question: Can a nation halfslave and half-free continue?

It’s the same question athletes like Colin Kaepernick ask when they are singled out for freedom, yet their brothers remain in chains. If the vote is actively suppressed in communities of color and poor communities, are we really free or just half-free?

Sometimes history will repeat itself, if we give it enough time and a little help.

What is the difference between our present, partial believers in democracy, who callously promote gerrymandering, mischievous voter ID laws, poll moving and poll closing or voter purges, and those who engineered the postReconstruction elimination of Black Power in the South?

During the first post-Civil War election in which Blacks could vote, they provided 700,000 votes to help elect Ulysses S. Grant to the White House in 1868. The oftenuntold secret is that before the Civil Rights Era, where Black voters in the South once again sought out the ballot box in greater numbers, we stood ready at the first opportunity to use the vote, when treated as free people. At that time, and clearly to some today who seek to suppress the vote, this was not acceptable.

During the 1898 constitutional convention in Louisiana, Thomas J. Semmes, chair of the Judiciary Committee of the Convention and former president of the American Bar Association said, “We (meet) here to establish the supremacy of the White race, and the White race

Derrick Johnson, the interim president and CEO of the NAACP, says that NAACP continues to take on legal battles against the newest generation of voter suppression models. constitutes the Democratic Party of this State. The Convention of 1898 interpreted its mandate from the people to be, to disenfranchise as many Negroes and as few Whites as possible.”

This process was replicated throughout the South as Andrew L. Shapiro points out in his Yale Law Journal article, “Challenging Criminal Disenfranchisement Under the Voting Rights Act: A New Strategy” (1993). He highlights how Mississippi’s constitutional convention of 1890 became a prototype for implementing constitutional provisions designed to disenfranchise those individuals, who committed “certain crimes, which Blacks were supposedly

more likely than Whites to commit.”

This meant that, “the law removed the vote from those convicted of such ‘furtive offenses’ as burglary, theft, arson, obtaining money under false pretenses, but the ‘robust crimes of Whites,’ which included robbery and murder or ‘crimes in which violence was the principal ingredient,’ were not.”

Today, we know the impact of felony disenfranchisement and the role it plays in keeping millions of individuals, who have served their time, from being able to vote.

The end result of these postReconstruction constitutional conventions, which suppressed the vote through legal and

often terroristic means and the Black Codes, was that, in states like Mississippi, the number of eligible Black voters registered dropped from 70 percent in 1867 to less than 6 percent in 1892. In Louisiana, Blacks made up over 44 percent of the electorate after the Civil War, but less than 1 percent after 1920.

This is the ugly history of voter suppression, where those who often drape themselves in patriotic rhetoric and colors, also wear the millions of stolen and suppressed votes around their necks like rotting, white albatrosses of political expediency, while keeping their foot solidly on the throat of true democracy, which remains handcuffed and unable to breathe.

It would be great if we could solely discuss our nation’s affair with voter suppression in some historical context with little to no impact on our current nation’s politics. Yet, regardless of how idealistic we are in believing that we can make democracy real for all people, we know, in our hearts, it is not.

Last year, the NAACP won nine major federal cases, critically confronting all manners of ugly, unconstitutional voter suppression, including voter purging, intimidation, and misinformation. In North Carolina, our state conference saved nearly five percent of the electorate when the U.S. Court of Appeals for the Fourth Circuit ruled that the state legislature had enacted discriminatory voting laws that intentionally targeted and disenfranchised Black voters.

The NAACP continues to take on legal battles against the newest generation of voter suppression models being implemented through bottle-necked voting districts in Virginia, partisan

gerrymandering in Texas or North Carolina that intentionally target and severely dilute not only the vote of African Americans, but also Latino populations.

In Indiana, our state conference recently sued the Secretary of State Connie Lawson, who is a member of the Pence-Kobach Commission, to prevent her from turning over personal voter information and to also prevent the her from using the allegedly discriminatory and inaccurate “Cross Check” system as a means of purging voters.

In Texas, the NAACP has also been successful in challenging racially-biased and unfair redistricting plans and recently won a voter ID case, where more than 600,000 individuals were disenfranchised by the law. We also saved 608,470 votes with a victorious decision from the U.S. Court of Appeals for the Fifth Circuit.

In states like Georgia, our state conference is challenging a law that allows voting lists to be purged simply due to failure to vote and in Ohio we are supporting the A. Phillip Randolph Institute et al, in their case, which, like Georgia, seeks to remove people from the voting rolls, due to their inability or failure to vote.

Oftentimes, the flashier issues and nonstop, highly visible attacks against the foundation of our nation’s values take our minds off of the critical bread and butter issue that, without which, there is no true democracy—the vote.

We cannot sleep through this period of time, and through all means necessary, we must #StayWoke.

Derrick Johnson is interim president and CEO of the National Association for the Advancement of Colored People. Follow him @ DerrickNAACP and @NAACP.

4

TRI-COUNTY SENTRY, OCTOBER 6, 2017

NEWS Bankruptcy continued from page 1

filings is a handful of bankruptcy attorneys with what sounds like an easy pitch: immediate relief, for free. In Memphis, it typically costs around $1,000 to hire an attorney to file a Chapter 7, but most attorneys will file a Chapter 13 for no money down. Ultimately, the fees for Chapter 13 filings are higher — upwards of $3,000 — but the payments are stretched over time.

For many people, this is the only option they can afford: debt relief on credit. For attorneys, they gain clients — and a regular flow of fees — they might not otherwise get, even if few of their clients get lasting relief.

For black filers in Memphis, relief is particularly rare. They are more likely than their white peers to file under Chapter 13 and less likely to complete a Chapter 13 plan. Because failure is so frequent in Memphis, many people file

again and again. In 2015, about half of the black debtors who filed under Chapter 13 in the district had done so at least once before in the previous five years. Some had filed as many as 20 times over their lifetimes. Here, bankruptcy is often not the one-time rescue it was envisioned to be, but rather a way for the poor to hold on to basic necessities like electricity for a couple months.

“The way we have it set up, our culture, has a lot of unintended

STATEPOINT CROSSWORD THEME: FAMOUS POETS

NOTE: It is a violation of our Terms of Service to remove the advertisement or StatePoint Media copyright line from a StatePoint puzzle grid image file.

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8. 4 in a school year

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58. Month of Purim 59. Ice on a window 60. Smell badly 61. High school musical club 62. “The Simpsons” palindrome 63. Get the picture 64. Of long ago 67. ____ out a living LAST WEEK’S SOLUTION

consequences,” said Judge Jennie Latta, one of five bankruptcy judges in the Western District of Tennessee. Since 1997, when she took the bench, the racial disparities in Memphis have been evident, she said. “It was troubling to me then, and it’s still troubling to me.”

When I asked judges, trustees, who administer the cases, and debtor attorneys what could be done to reduce racial disparities and improve outcomes, I was mostly met with resignation. I heard a lot about the poverty in Memphis and a legal culture with deeply rooted traditions. But ProPublica’s analysis identified bankruptcy attorneys in Memphis who had much more success in getting their black clients out of debt. These attorneys had a different approach, preferring Chapter 7 to Chapter 13, and, crucially, allowing more flexibility in what clients paid upfront in fees.

Scrutiny of Memphis is important, because the racial differences we found there are present across the country.

Nationally, the odds of black debtors choosing Chapter 13 instead of Chapter 7 were more than twice as high as for white debtors with a similar financial profile. And once they chose Chapter 13, we found, the odds of their cases ending in dismissal — with no relief from their debts — were about 50 percent higher.

Meanwhile, the $0-down style of bankruptcy practiced in Memphis, long common across the South, is quietly growing in popularity elsewhere. Chicago in particular has seen an explosion of Chapter 13 filings in recent years. A recent study found that the “no money down” model is becoming more prevalent, prompting concerns that it is snaring increasing numbers of unsuspecting debtors and ultimately keeping them in debt.

About 10 miles south of the black glass tower lies the community of Whitehaven.

Famous as the site of Graceland, Elvis Presley’s mansion, its streets are lined with miles of humbler homes, mostly one- or twobedroom bungalows. The houses reflect the range of financial security among Whitehaven’s almost exclusively black residents: Some lawns are immaculately kept in front of neat, pretty facades, while others run riot with weeds next to broken-down cars.

This is where Novasha Miller was born and raised. She went to Hillcrest High on Graceland Drive and still lives in the area.

Here, bankruptcy has a startling ubiquity. Count the bankruptcies

filed from 2011 through 2015 by residents of Whitehaven, and there is almost one for every three households.

Miller’s spiral downward began in late 2014, when she and her sons moved into a $545-permonth apartment in Highland Meadows, a complex pitched on its website as nestled in a “serene woodland setting.” Inside, roads wander around shaded clusters of two-story structures, some with boarded-up doors and windows.

Miller soon realized she’d made a mistake by signing the lease. Roaches emerged every time she cooked, she said.

Underneath the kitchen sink, mold was spreading that seemed to aggravate her 10-year-old son’s asthma. The stove broke; then bedbugs arrived, leaving telltale marks up and down her and her boys’ arms.

Despite her calls and complaints, she said, management didn’t fix the mold issue and told her she’d have to pay for an exterminator herself. Finally, she decided to move. She wrote a letter saying she was breaking her lease and explaining why.

“My kids’ health is more important than anything, and I just had to leave,” she told me. (The company that manages Highland Meadows did not respond to requests for comment.)

A couple of months after she moved, Absolute Recovery Services, a collection agency, sent her a letter saying she owed $5,531 — a total that seemed inflated to Miller. If she didn’t pay up immediately, the agency wrote, it might sue. It followed through the next month, tacking on a $1,844 attorney fee, for a total bill of $7,375.

Derek Whitlock, the attorney who represented Absolute Recovery Services in its suit against Miller, provided ProPublica with an accounting of Miller’s debt. Only $1,635 was due to back rent; the rest stemmed from eight different types of fees — all of which, Whitlock said, Miller had “contractually agreed to.” Miller’s lease had also stated that residents were “responsible for keeping the premises free from infestation of pest, etc.,” he said.

With no attorney to represent her, Miller went to court. Delayed by a search for parking, she missed her case, and Absolute Recovery won a judgment against her. A court employee told her the agency could soon move to garnish her paycheck, she said.

Under Tennessee law, debt collectors can seize up to a quarter of debtors’ take-home pay, and in Shelby County, which

contains Memphis, they sought to do so in over 21,000 cases in 2015, according to a ProPublica analysis of court records. Such garnishments are far more common in black neighborhoods.

“I cried, stressing at work,” said Miller. “I couldn’t work, trying to figure out what to do.”

At the time, Miller earned $9 an hour working for a catering company where her hours were often cut without warning. Although she’d never had an extended stretch of unemployment, the last several years had been a struggle. She still carried $19,000 in student loans from a cosmetology program, and a $1,100 loan from a car title lender, TitleMax, which she’d used to cover one month’s shortfall.

TitleMax routinely lends at annual interest rates above 150 percent in Tennessee, and every month Miller had to come up with about $100 in interest to keep the company from seizing her 2003 Pontiac Grand Prix. If Absolute Recovery garnished her wages, Miller stood to lose her apartment, her electricity or the car she drove to work.

The pressure, she said, pushed her into bankruptcy court. “It’s hard out here,” she said. “I hate that I had to go through it just to keep people from garnishing my check.”

She Googled “bankruptcy attorney” and landed on the website of Arthur Ray, who has been practicing in Memphis since the 1970s. His website was topped with “$0” in large type. “Most of our Chapter 13 bankruptcies are filed for $0 attorney’s fee up front.” She called and made an appointment.

Earlier this year, I headed to Memphis to meet people like Miller and find out why attorneys there kept funneling their black clients into Chapter 13 plans when so few could complete them. I came armed with what amounted to a score sheet for each attorney, showing how their black and white clients had fared.

ProPublica had taken every case filed in the district over 15 years, paired it with census information and put it on a map. In a starkly segregated city like Memphis, we could deduce the race of their clients with confidence based on where they lived.

I caught up with Ray by phone.

Like most of the higher volume lawyers in the district, Ray is white while most of his clients are black. About nine out of every 10 of his cases is a Chapter 13. And he was twice as likely to file under Chapter 7 for a white client as he was for a black client.

None of this troubles Ray in the least. If Chapter 13 has an evangelist, it’s Ray, who trumpets its attributes unapologetically. In his eyes, debtors need Chapter 13 to train them to get their financial houses in order and instill discipline on their unruly spending.

“A Chapter 13 shows people how to live without buying things for that 60-month plan,” he said.

“With a Chapter 7, wham bam it’s over, and they’re back to the same old thing, the bad habits that got them in trouble to begin with.”

When debtors squander Chapter 7’s power to erase debt, he argued, they are stuck — barred from filing again for eight years. Better to keep that option in reserve for something truly catastrophic, he said.

Ray conceded that most of n How the Bankruptcy, see page 6 SODOKU SOLUTION

5

TRI-COUNTY SENTRY, OCTOBER 6, 2017

NEWS Lawmakers

Kamala Harris

continued from page 1

continued from page 1

an average loan of only $350. When consumers use their car titles as collateral for a larger and equally costly loan, a loss of personal transportation occurs when borrowers can no longer keep up with the spiraling high costs.

If enacted, the legislation is expected to have an immediate impact on payday and car-title loans, but would ensure that all consumer financial services would end cycles of debt that trick and trap unsuspecting consumers into long-term debt. The bicameral effort is led in the U.S. Senate by Senators Dick Durbin of Illinois and Jeff Merkley of Oregon.

Their leadership counterparts in the House of Representatives are Matt Cartwright of Scranton, Pennsylvania and Steve Cohen of Memphis, Tennessee.

“Predatory lending disproportionately harms people who are already struggling financially,” noted Rep. Cartwright, where in Pennsylvania these types of predatory and high-cost loans are already banned by state law. “This consumer-friendly legislation would provide relief from exorbitant fees for many low-income consumers across the country.”

Rep. Cohen, Cartwright’s House colleague, felt similarly.

“Throughout my career, I have always worked to shield people from those who would take advantage of them through predatory lending practices that can wreak havoc on people’s lives and perpetuate a cycle of indebtedness,” said Cohen.

“Both justice and morality dictate that reasonable caps on interest be enacted to protect borrowers from devious lenders.”

From the Deep South, to the Pacific Coast, and westward to the mid-Atlantic and Midwest states, state payday interest rates range as high as 662 percent in Texas to California’s 460 percent, and Virginia’s 601 percent. Likewise, in the Midwest, the states of Illinois,

Missouri, Ohio and Wisconsin have comparable high interest rates that all exceed 400 percent. In Alabama and Mississippi, two of the nation’s poorest states when it comes to per capita incomes, payday interest rates are respectfully 521 percent and 456 percent.

“What we have encountered across the country is that when voters are given the chance to support a rate cap, large majorities consistently say ‘No’ to debt-trap lending,” said Yana Miles, senior legislative counsel with the Center for Responsible Lending.

“Conversely, when it comes to state legislatures, reform efforts are often thwarted by the industry.”

Already more than 40 national, state and local organizations have jointly written their members of Congress in support of the legislation. Signers of the correspondence include civil rights organizations, labor, consumer advocates, and research institutes.

In part, the letter states, “Veterans, seniors, women, and communities of color are most often targeted for exploitation by these unaffordable high-cost loans…While the Consumer Financial Protection Bureau is expressly prohibited from setting a rate cap, Congress is not and should do so. A federal rate cap puts all creditors on a level playing field without undermining any additional consumer protections in the states.”

Durbin said that, despite the economic gains we have made as a nation in recent years, many working families continue to struggle.

“For some, payday lenders offer a quick way to make ends meet,” said Durbin. “But their outrageous interest rate caps and hidden fees can have crippling effects on the people who can least afford it.”

Merkley noted that the bill’s simple, straightforward approach will protect consumers and ensure that families aren’t bankrupted by high interest rates and hidden fees.

Harris smiled but did not clap as did many congregants when Duffy blasted Sessions.

From the pulpit, Harris criticized ``the attorney general,’’ without naming Sessions, for renewing the push for harsher sentences in nonviolent drug crimes and for rolling back some of policing overhauls from the Obama administration.

A former local prosecutor and California attorney general who opposes the death penalty, Harris says she advocates a criminal justice

system that honors ``the concept of redemption.’’

Separately, Harris called for a more effective U.S. response to hurricane devastation in Puerto Rico. She did not mention health care. She’s recently signed on as a co-sponsor of Vermont Sen. Bernie Sanders’ ``Medicare-forall’’ bill.

Harris, the daughter of immigrants from Jamaica and India, does not publicly embrace speculation about her 2020 intentions. Her calendar is noticeably devoid of visits to the early nominating states of Iowa, New Hampshire and South Carolina. But

she’s also met in recent months with key Democratic donors and hired aides who worked for 2016 presidential nominee Hillary Clinton.

And her path to the Democratic nomination would certainly run through voters like those she addressed Sunday in Atlanta. Obama in 2008 and Clinton in 2016 each lost the cumulative white vote in Democratic primary states, according to exit polls, but both of the eventual nominees won black voters overwhelmingly, propelling them to key victories in Southern states that gave them early delegate leads they never relinquished.

The lawmakers also advised in their letter that the authority to monitor and enforcement laws affecting student loan servicers beyond those held by CFPB additionally includes duties for the Federal Deposit Insurance Corporation (FDIC), Securities and Exchange Commission (SEC) at the federal level and in the states by attorneys general and other state agencies.

“We are pleased to see Senators Brown and Murray are joined by more lawmakers in leading the way to assert CFPB’s authority and that of other federal agencies that together share oversight and regulation of student loans and student loan servicers”, commented Whitney BarkleyDenney, a CRL policy counsel and student loan specialist. “The claims made by the Department of Education made in signal a disturbing intent to withhold key information that should be shared.”

“These lawmakers are standing up for borrowers and taxpayers against a Department of Education that seems more interested in protecting the interests of big money corporations than struggling families. On behalf of the more than 40 million consumers burdened with student debt and our allies in this struggle, we are also most grateful,” Barkley-Denney concluded.

If lawmaker chidings weren’t enough,

days later on September 20, another communique continued what the lawmakers began. Led by the Leadership Conference on Civil and Human Rights (LCCHR), a coalition of diverse national organizations pledged to promote and protect civil and human rights of all people, sent its collective concerns to Secretary DeVos, citing federal laws like Titles VI and VII of the Civil Rights Act of 1964.

“All of these laws require regulations and guidance, and oversight and enforcement, in order to provide their intended benefits to students,” stated the coalition.

More than 40 national organizations joined in noting DOE’s apparent failure to embrace its duties in civil rights when it comes to higher education.

Among the signatories were a broad range of concerns from the NAACP, National Urban League, NAACP Legal Defense and Educational Fund, to the National Council of Jewish Women, UnidosUS (formerly the National Council of La Raza), American Association of University Women, and Asian Americans Advancing Justice.

“Students deserve, and the law requires, a Department of Education that is working to protect all students from discrimination and to provide for equal educational opportunity,” the coalition concluded.

Student loans continued from page 1

Since then, reactions have ranged from questioning the advisability as to why DOE would cut its ties to CFPB, to outright challenges to the agency’s knowledge and interpretation of applicable federal laws.

For example, 10 members of the Congressional Black Caucus joined with other Capitol Hill lawmakers in a bicameral effort that represented 18 states to challenge in a September 15 letter to Secretary DeVos that advised the department’s “assertions are false.” Led by Senators Sherrod Brown of Ohio and Patty Murray of Washington, the correspondence was a direct challenge.

“While the Department does have the authority to administer the federal student loan programs,” wrote the lawmakers, “that authority is not exclusive and has been intentionally constrained by law due to the Department’s historical negligence in carrying out many of its oversight responsibilities over federal student loan servicers.”

“Congress also established a Student Loan Ombudsman at the CFPB whose responsibilities include working with the Department to ‘resolve complaints related to [borrowers] private education or federal student loans’ and is specifically instructed to enter into a MOU with the Department to do so,” the letter continued.

What Does an Innocent Man Have to Do to Go Free? Plead Guilty.

This is Part 4 of a 4-part series on the wrongful conviction of James Owens, who was sentenced to life in prison without the possibility of parole in 1988 for a murder he didn’t commit. A case out of Baltimore — in which two men were convicted of the same murder and cleared by DNA 20 years later — shows how far prosecutors will go to preserve a conviction.

Mercer worked to make it the best deal he could. If Thompson took the plea, it meant the state would let him go, but the deal had some risky strings attached.

Any charge that carried a life sentence had to come off the table, because in Maryland, a probation violation — even something as relatively minor as a DUI — sends the defendant back to prison to serve the remainder of his sentence. The two sides agreed to second-degree murder, which carries a maximum of 30 years. That way if Thompson violated probation, he’d only have seven and a half years over his head, since he had served more than 22.

Gregg Bernstein, Baltimore City state’s attorney from 2011 to 2015, oversaw at least two similar deals. He couldn’t remember the details but said he’d thought a lot about whether it was okay for an innocent man to take an Alford plea. In the end, he said, most cases lack black-and-white certainty, regardless of evidence suggesting innocence. “It’s not that simple to say yay or nay,” he said. “Pleas are a way to resolve them.”

Former prosecutor Vignarajah, though, told me he wonders if that kind of resolution only looks like a win for everyone on paper. “In reality everyone lost,” he said. “The victim sees no justice. The defendant is walking away with a conviction. And the prosecution didn’t get anyone to take responsibility [for the crime].”

On July 29, 2010, when Thompson left prison under the Alford plea, Holback got the last word: Thompson “is in no way exonerated.”

_______________________ Since their releases, Thompson and Owens have led dramatically different lives.

Thompson thought he could go back to the person he was almost 23 years earlier, before the murder rap, but society didn’t look at him that way. When he applied for a job, he put a question mark where the form asked if he’d been convicted of a felony.

“I tried to explain I was wrongfully convicted, but people don’t want to hear that,” Thompson said. “There’s no reasoning with somebody.

‘Innocent people do not go to prison’ is just the motto.”

Thompson held onto his freedom for only a little over a year. In October 2011 he was arrested after his ex-girlfriend claimed that he had molested her young daughter. Thompson, who’d recently kicked the girlfriend out of his apartment, denied the charge, saying he’d spanked the girl’s bare butt to discipline her. The state reduced the charges to a misdemeanor for touching the girl’s buttocks and gave him time served for the five months he’d been in jail.

It didn’t end there, though.

Because the misdemeanor violated his probation attached to his Alford plea, Thompson went from a local jail to a state prison to serve the remaining seven and a half years.

Mercer said he believes the Alford plea made it very difficult for Thompson to defend himself.

“It was a question of credibility,” Mercer said. “Who’s going to believe him? He was stuck having to do damage control.”

Owens has fared better. He

has been embraced by what little family he had. He has moved into a cousin’s house and has begun working with him cleaning gutters and doing landscaping.

And he has grown close to his nieces and nephews, a bittersweet feeling for someone who’d had no chance to build a family of his own. Owens told me he has tried not to let the anger sink him, but he struggles. His exoneration came without compensation or even an apology. “What’s striking in these cases is a total lack of accountability,” said Michele Nethercott, of the Innocence Project in Baltimore. “Nothing ever really happens” to the police and prosecutors whose actions led to wrongful convictions.

Owens wonders today if his prosecution became all about keeping the win. “Instead of focusing on me and getting me to take a deal for something I didn’t do, they need to focus on the victim. Her murder has never been solved,” he said. “I think they should go back and look and do something for this girl.”

In 2011, Owens found a lawyer, Charles Curlett, to sue Baltimore. Curlett determined that there were several issues of misconduct involved in Owens’ conviction. First, his lawyer had been told nothing of the changing stories Thompson gave the detectives. The information could have been used to undermine Thompson’s credibility and failing to share it was likely a violation of Owens’ due-process rights. Such failures are known as Brady violations, after a 1963 Supreme Court case in which the justices determined

that withholding favorable information from the defense is unconstitutional. Also, one of the jailhouse snitches who testified that Owens had confessed had been a police informant for years and said he recruited the other snitch. This, too, wasn’t revealed to the defense, nor were the informant’s letters asking for favors in exchange for his testimony. Brady violations had become so prevalent in Baltimore’s courts that the Fourth Circuit Court of Appeals recently admonished the city’s prosecutors to remember their legal obligations: “Only this practice ensures the fair trial that our justice system aspires to provide” and makes it so “no one has to worry after the fact whether the jury convicted the wrong person.”

The city furiously fought Owens. Dodging such suits, many defense lawyers contend, is part of what drives these plea offers. “If not expressly that, it’s implicit in a lot of decisions made in this setting,” said Michael Imbroscio, an attorney who had a client in Baltimore City take a time-served deal. The city won dismissal of Owens’ suit against the state’s attorney’s office and Brave, who the court ruled had immunity, and the Baltimore Police Department. But the case is going to trial in federal court, likely early next year, against detectives Pellegrini, Landsman and Dunnigan as individuals.

There’s millions in compensation at stake for Owens and a public airing of misdeeds for the city.

Civil litigation is “so important,” Mercer said. “Often, that’s the only time there’s

scrutiny into what wrongs were done.”

The type of misconduct alleged in Owens’ case is echoed in nine more of the 14 exonerations out of Baltimore City and County since 2002, according to the National Registry of Exonerations. The 2014 exoneration of Sabein Burgess, for example, came after it emerged that Baltimore detectives never revealed a key detail to the defense: that a young witness had told them he saw the murder suspect and it wasn’t Burgess. The detectives even submitted a report falsely stating that the witness had been asleep during the crime. Like Owens, Burgess is suing, claiming that detectives “cut corners and rushed to judgment.” His trial is set for this fall and names a different group of detectives.

Misconduct can also be found in the cases of some of the remaining exonerated defendants who, like Thompson, aren’t officially considered exonerated at all but who were released under Alford pleas or time-served deals after questions were raised about their initial convictions. Curlett is representing one such man, Wendell Griffin, who was convicted of murder in Baltimore in 1982. Decades later, it came to light that three detectives — two also featured in Simon’s book and a third who is Landsman’s brother — had buried photo lineups and witness statements pointing to Griffin’s innocence.

He was let out on a time-served deal in 2012.

The detectives named in the Owens and Burgess lawsuits

have denied allegations of misconduct. Michael Marshall, who represents the detectives in Owens’ and Griffin’s suits, declined to comment, referring questions to the chief of legal affairs for the Baltimore City Police Department, who didn’t return several calls.

Thompson, whose parents died while he was in prison, has been abandoned by the rest of his family. He was released early for good behavior in February after serving a little more than five of his remaining seven and a half years, and as much as he blames himself for his mistakes, he now thinks his plea was a “bum deal.” He wishes there was a way to prove to his loved ones that “although I served 30 years … I didn’t commit the crime.”

The strain of the Alford plea proved too much for one of Baltimore’s wrongly convicted.

Chris Conover left prison under the plea in 2003 after DNA called into question his murder conviction in Baltimore County.

On the outside, he suffered from severe panic attacks and depression, but his wife told the local newspaper that he couldn’t face in-patient treatment, which meant being back behind locked doors. His petition for a pardon from Maryland’s governor was turned down in 2012. Three years later, Conover killed himself.

“Having been convicted really defines who you are — it becomes itself a prison,” Mercer said. “Once out, with a conviction still on your shoulders, having maintained your innocence in a Alford plea is of little comfort and of very little practical benefit.”

6

TRI-COUNTY SENTRY, OCTOBER 6, 2017

NEWS

touch & take off!

Bankruptcy continued from page 4

his clients do not successfully complete their Chapter 13 plans, but he argued that wasn’t so bad. “It may be a long time before the creditors come after them,” he said. And when the phone calls and the legal notices do come back, “then they can file again.”

I told Ray that Novasha Miller hadn’t understood the difference between the two chapters. Ray was not troubled by this either. As required by law, he said, he provides clients with documents explaining the difference, but any client who asks about Chapter 7 will get an argument from him. “They need to learn how to live not buying things on credit,” he said.

Few attorneys are likely to express this paternalistic view as bluntly as Ray, but the idea that bankruptcy courts should rehabilitate debtors instead of simply freeing them of their debts dates back to the 1930s, when, buoyed by creditors’ lobbying efforts, Chapter 13 first became law. It’s a form of bankruptcy that sprang from the South: Started as an experiment by the bankruptcy court in Birmingham, Alabama, it was added to the federal bankruptcy code through a bill authored by a Memphis congressman. To this day, many see Chapter 13 as the more honorable form of bankruptcy because it includes some attempt to repay debts.

But when I asked some of Ray’s colleagues why so many of their clients filed under Chapter 13, honor was rarely mentioned. Instead, they said it was about holding on.

“Chapter 13 is generally a ‘keep your stuff’ chapter,” is how Bert Benham, a Memphis bankruptcy attorney, put it.

Most people who end up filing in the district don’t own much. In 2015, 69 percent of those who filed under Chapter 13 didn’t own a home, and the median, or typical, income was less than $23,000 per year.

For many people, the most important thing is keeping their car, a necessity in Memphis, which has little public transportation. Used car lots abound, offering subprime credit. When borrowers fall behind and lenders threaten repossession, Chapter 7 won’t stop that from happening. But Chapter 13 allows secured debts to be repaid over the course of the plan. In theory, loan payments on a car or mortgage can be reduced to an affordable level, providing time to catch up without fear of repossession or foreclosure.

Lured by this promise, desperate Chapter 13 filers can spend years caught in a loop. One Whitehaven resident told me how, in order to hold on to her car, she’d filed under Chapter 13 four times since 2011. The first time, she lost her job a year and a half after filing, and her case was dismissed after she fell behind. She immediately filed again to keep the car for job interviews, using unemployment benefits to make the payments until she couldn’t. She then filed a third time.

Finally in 2014, after her third dismissal, she got a new part-time job paying $11 an hour and filed again.

She still has two years of payments to go and will have spent most of her 30’s trying to hold on to her car. “If I’d known,” she said, “I just would have let my car go.”

Bernise Fulwiley, 60, filed for Chapter 13 in 2014 to avoid foreclosure on her home, a brick bungalow with a large maple in the yard on a corner in Whitehaven. The following year, she lost her warehouse job when she required foot surgery and couldn’t keep up her payments. She got another warehouse job, earning $9.50 an hour, and filed again. She has kept up the payments for two years, and is determined to make it for three more. “‘God, go before me. Open this door!

Help me, Lord!’ That’s been my prayer,” she said. “I ain’t gonna never give up.”

For decades, the most prolific bankruptcy firm in Memphis has been Jimmy McElroy’s, known for its longrunning TV commercials featuring the now-deceased Ruby Wilson, a legendary blues and gospel singer dubbed the Queen of Beale Street. At the end of 30-second spots, she exclaimed, “Miss Ruby sings the blues, and you don’t have to!”

McElroy, a mild-mannered white man in his 70s with a genteel lilt to his speech, told me that “the ultimate success” for a Chapter 13 filing is “to pay it out, get a discharge, get out of debt. And then learn to live within your means.” From 2011 through 2015, McElroy’s firm filed over 8,000 Chapter 13 cases and fewer than

900 Chapter 7 cases. About 80 percent of his clients come from predominantly black neighborhoods.

But “ultimate success” is rare at his firm. Only about one in five of the Chapter 13 cases filed by his black clients reached discharge, a rate typical for the district. When I asked why, McElroy, whose office is in the same tower as the bankruptcy court, said clients generally “get the temporary relief they needed,” but then things just happen: “They lose their job. They get sick. They get a divorce.”

Sometimes Chapter 7 does seem like a better choice, he said, but the client can’t afford to pay the attorney fee, which, at his firm, is about $1,000. In those cases, he’ll advise them to start with a Chapter 13, since it’s “more affordable to get into,” he said. “I tell them … ‘If you get in a better situation, we can convert later.’”

Debtors are, indeed, allowed to switch from Chapter 13 to Chapter 7 after their cases have begun, although it typically requires paying an additional attorney fee. But this rarely happens in the district.

Only about 5 percent of Chapter 13 filings since 2008 converted to Chapter 7, according to our analysis. For McElroy’s firm’s cases, it was 2 percent.

Often in Memphis, the whole goal of bankruptcy is just to address basic needs, even if only for a month or two.

Last year, Memphis Light, Gas and Water cut off customers’ electricity for nonpayment 98,000 times. It’s an “astoundingly high” number given that Memphis provides electricity to fewer than 400,000 customers and “far higher than any other large urban utility that I’ve seen,” said John Howat, senior energy analyst with the National Consumer Law Center.

Nearly half the Chapter 13 cases filed by black residents in the district had utility debt, our analysis of 2010 filings found. The typical debt with the utility company was $1,100. For customers with poor credit, the utility has a policy of disconnecting service within a couple months if the arrears grow beyond $200.

MLGW does offer programs for low-income customers and installment plans for those who fall behind. “We have probably some of the most liberal

customer assistance programs of any utility in the country,” said Gale Carson, spokeswoman for MLGW. But that assistance is limited to just a few thousand households. And the installment plans require customers to make the payments in addition to their normal monthly bills.

By declaring bankruptcy, debtors can start a monthly Chapter 13 plan tied to their income and get the power turned back on within a month or so.

In February, I visited Michael Baloga, an attorney at Long, Umsted, Jones & Kriger, at the firm’s downtown storefront, just down the street from the Shelby County Jail and next door to a bail bond agent.

“Chapter 13 bankruptcy can be a necessary evil at times,” he told me.

“Like, for today, there are people who are coming in because it’s cold, and they don’t have electricity.”

Baloga said he didn’t like to file cases just for that reason. “But on the other hand, am I going to let them sit and freeze in their home because they don’t have it? … I know that they’re going to file the bankruptcy and that they’re not going to stay in it very long. In the alternative, am I just going to turn them away and say, ‘No, you’re not going to get a chance at all?’”

For the firm’s predominantly poor and black clientele, the chances are remarkably low: Only one in 10 of the cases result in a discharge. Most don’t last six months.

Using bankruptcy this way “seems like using a sledgehammer to hang a picture,” said Judge Latta. But she understands why debtors do it. “I think bankruptcy, in Memphis anyway, is very much part of the social safety net,” she said, “and all these problems fall down into it.”

About 18,000 times each year, Tennessee suspends the driver’s license of a Shelby County resident for failing to pay a traffic fine, according to state data obtained by Just City, a Memphis nonprofit advocacy organization. About 84 percent are black drivers, although only half of Shelby County’s residents are black.

See next week’s edition for Part II.

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Product not available in MN, MT, NH, RI, VT, WA. Acceptance guaranteed for one insurance policy/certificate of this type. Contact us for complete details about this insurance solicitation. This specific offer is not available in CO, NY;call 1-800-969-4781 or respond for similar offer. Certificate C250A (ID: C250E; PA: C250Q); Insurance Policy P150 (GA: P150GA; NY: P150NY; OK: P150OK; TN: P150TN)

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7

TRI-COUNTY SENTRY, OCTOBER 6, 2017

T

FAMILY FEATURES

ake your tailgating game to new heights this season with fresh dishes that are easy to make and serve, whether your tailgating tradition takes place at the game or at home.

Fast prep times and short ingredient lists make these recipes a cinch to prepare in advance and have ready to go as soon as you reach the parking lot or before guests arrive. The star ingredients are naturally hardwood-smoked sausages and seasoned deli meats from Eckrich, which offers a variety of smoked sausage flavors in traditional ropes and bun-length links as well as gluten-free deli meats such as Black Forest ham and oven-roasted turkey, all with just the right blend of seasonings for a rich, savory taste.

You can switch up the flavors of these recipes by subbing in different varieties of smoked sausage, such as replacing the original rope-style smoked sausage with Eckrich Jalapeno & Cheddar Links. The roll-ups are also easy to customize for guests using any type of deli meat, and they’re easy to enjoy on the go if you need a quick bite on the way to the stadium.

Find more game-day recipes at Eckrich.com.

Grilled Sausage Skewer Sandwiches

Cook time: 15 minutes Servings: 6 1 regular size package Eckrich Smoked Sausage 1 small red onion, cut into 1-inch pieces 1 red bell pepper, seeded, cut into 1-inch pieces 6 wooden skewers, 10 inches long 1/2 cup Italian salad dressing, divided 6 bolillo or sandwich rolls, split 1 avocado, cut into 1/2-inch thick slices 1/4 cup cilantro leaves Heat grill to medium-high.

Cut sausage into 1/2-inch thick slices. Thread sausage, onion and bell peppers alternately onto skewers. Brush 1/4 cup salad dressing on skewered sausage and vegetables.

Grill until sausage is golden brown and vegetables are crisp-tender, about 10 minutes, turning once.

Brush remaining salad dressing on rolls. Fill rolls with grilled sausage and vegetables. Divide avocado and cilantro onto each.

Tip: To broil sausage rather than grill, heat broiler to medium-high, follow the same skewer preparation instructions and broil about 10 minutes, or until sausage is golden brown and vegetables are crisp-tender.

Ham and Turkey Roll-ups

Tailgate Like a Pro

Cook time: 10 minutes Servings: 2 4 ounces Eckrich Deli Oven Roasted Turkey Breast 4 ounces Eckrich Deli Black Forest Ham lettuce leaves 2 tablespoons chunky guacamole 1/4 cup chopped cucumbers 1 tablespoon shredded cheddar cheese 2 slices bacon, cooked and crumbled Layer turkey and ham slices. Layer lettuce, guacamole, cucumber, cheese and bacon crumbles. Roll meat and secure with toothpick.

Try New Toppings

Smoked sausage and deli meats are easy to add to a bun for an instant meal, and there’s plenty of ways to dress your tailgate menu up or down based upon the preferences of your guests. Be sure to keep some basics on hand for those who prefer traditional preparation, but for the more adventurous types, try out these ideas for toppings that create a new dimension of flavor.

Potato Salad with Smoked Sausage

Cook time: 30 minutes Servings: 6 3/4 regular size package Eckrich Smoked Sausage, halved lengthwise, cut into 1/2-inch thick slices 3 small red potatoes (about 2 1/2 pounds), cooked and quartered 1 can (4 ounces) pitted ripe olives, drained and halved 2 cups Italian dressing 1 green onion, sliced (about 1/4 cup) 1 clove garlic, minced 2 teaspoons ground black pepper In large skillet over medium heat, cook sausage 6 minutes, stirring occasionally. Stir in potatoes; cook until heated through, stirring occasionally.

Remove from heat.

Add olives, dressing, onions, garlic and pepper; mix lightly.

Million Dollar Moment

This season, Eckrich – the official smoked sausage and deli meat sponsor of the College Football Playoff – is once again hosting the Road to the National Championship sweepstakes. Fans around the country will have the chance to make a 20-yard throw for $1 million at some of the biggest college football games of the season, including the 2018 College Football Playoff National Championship in Atlanta. Visit EckrichFootball.com for your chance to win.

Grilled onion Grilled peppers Grilled, roasted or sauteed mushrooms Spicy mustard Flavored ketchup (think spicy, fruity or sweet) Ethnic flavors like curry or marinara sauce Hot sauce Roasted corn relish Crumbled or shredded cheese Bacon crumbles

Handy Hacks n Repurpose

coffee filters as holders for your sandwiches. They’re easy to hold and help keep your favorite toppings contained. n Up-cycle an empty six-pack container into a convenient cookout caddy to hold napkins, condiments and utensils. Not only is it quick to grab and place on the table, but it helps keep napkins from blowing away in a breeze. n For kabobs, keep wooden skewers from charring by soaking them in water before threading on ingredients. n Prepare toppings the night before and arrange them in a disposable foil pan for a quick and easy DIY topping bar.

8

TRI-COUNTY SENTRY, OCTOBER 6, 2017

SPORTS Bronco Corral

opportunity that Al Davis and Ron Wolf gave me to fulfill a childhood dream. Not only was I coached by such a great man as Max speedy, Ray Malavasy, Lou Saban, Paul Brown, Doak Walker, Whitey Duvall,

the announcers booth shout out more often than deserved “he is a future Hall of Famer.”

Anyone who views the level of play on the field will find it there a few franchises who are exceptional and those who barely get by. The rest fall somewhere in the middle of the mess. Anyone who has the NFL package can see empirical evidence of the overexpansion of the NFL. The talent pool has not caught up to the number of teams.

College football had one rule change that set it above the lure

field and could not play and your team spends more than 75% of the game on the defense, you dare not be caught laughing and joking with each other on the sidelines.

Not with the coaches I played for.

I paid close attention to the few times the camera panned the stadiums stadium seating.

Attendance is down. Maybe due to the high price of tickets. I went to the first championship game between Green Bay and Kansas City. I was with the Denver Broncos of the time and the owner gave me four tickets – – face value of the tickets-- $10.

After this weekend, I’m keeping an open mind.

There appears to be one team maybe two in the A F C

Stan Jones, but had teammates the likes of Tom Flores, Lionel Taylor, Cookie Gilchrest, Jon Bramlett, Willie Brown, Floyd Little, Charlie Mitchell, to name a few. The list of people that have had an impact on my future in and out of the game goes on for what seems to be without an end.

The roster in 1963 had a limit of 38 players. There was no room for specialty players such as kicker and a punter; they all played some other position. In 1964, my rookie year, the roster was expanded to 40 players plus a “taxi squad” or in today’s terminology “developmental squad.” A total of 320 active players for the entire AFL, some 400 players for the NFL, total players less than 800. Today with the concept of expansion of the number of teams and the rosters somewhere north of 58 players-- do the math. Closer to 1800 active players. Listening to

of h e high dollar contracts in the NFL. They, the NCAA, limited the amount of scholarships that each college or university can use to attract players and they also renewable every year. Yes, there are some college teams that seem to have year in and year out the best players in their conference or region. That is due to the tradition of winning that they have exhibited over the years.

I remember being told that hustling and getting excited to play the game was “rah rah” stuff when I was a rookie. Yes, it might be, but those were the true feelings of rookies felt and the fans liked it as well. It is not just a job, it is a gift and you are blessed if you get to do what others only dream of doing and getting paid to boot.

Last night I saw some very high players who were IR (injured reserved) and unable to perform.

When I played, if you could not dress out, you did not travel with the team. If you were on the home

– – Oakland and Kansas City – – who could go to the Super Bowl if Carr and Smith stay healthy. In the NFC, Carolina in Green Bay, maybe Dallas, as long as all stay healthy.

I have been away from the game – – that means actually playing – – but sports have been the mainstay of my entire life. What it taught me about life--the need to sacrifice, the need to be disciplined and focused and to judge people not by the color of the skin but by the character of their conduct. It was a whole lot of “we” when I played and not a lot of “I.” My biggest concern today is that there is more “I” than “we.” And the game suffers as a consequence.

I hope you enjoy this beginning article and I’m grateful for the chance to publish this column each week. If there is a particular topic or question you would like addressed, please use the newspaper’s email address to submit your request.

The writer is a former running back and defensive back with the Denver Broncos and Oakland Raiders.

By Mike Kellogg

Well, by now you know that football season is in full bloom. Both college and professional football has had its day for all to view. Some surprises, some disappointments and a whole lot of married folks talking about temporary changes in living arrangements.

A

Sharks’ Joel Ward could bring anthem protests to NHL

By Staff Reports Sharks forward Joel Ward told The Mercury News he might take a knee during the national anthem at an upcoming game, becoming the first NHL player to join the protests that started in the NFL and drew criticism from President Donald Trump.

The 36-year-old Ward, one of about 30 black players in the league, is from Canada. Asked by the newspaper if he would consider kneeling during the anthem, Ward said it’s something he ``wouldn’t cross out.’’ ``I’ve experienced a lot of racism myself in hockey and on a day-to-day occurrence,’’ he said. ``I haven’t really sat down to think about it too much yet, but I definitely wouldn’t say no to it.’’

Former San Francisco 49ers quarterback Colin Kaepernick began kneeling during the anthem in the preseason a year ago to make a statement about social inequality and police treatment of blacks in the United States.

More than 200 players knelt or took other action during Sunday’s anthems in the wake of Trump’s suggestion that NFL owners fire players who protest during ``The Star-Spangled Banner.’’

Oakland Athletics catcher Bruce Maxwell became the first major league baseball player to take a knee during the national anthem Saturday.

Sharks coach Peter DeBoer said he would back Ward if he decides to take a knee this season. Ward said general manager Doug Wilson also has been supportive.

FTER watching more than 20 college and professional games over the weekend, here are some observations.

No one is worth $25 million a season, even if he is the best player for the Lions. That is more money than the total operating costs of the AFL when it was made up of the Dallas Texans, Denver Broncos, LA Chargers, Oakland Raiders, New York Titans, Boston patriots, Houston Oilers and the Buffalo Bills. How can any fan relate? Here is an example of money “well spent.” The backup quarterback for the Denver Broncos signs with the Houston Texans for $72 million, give or take a few dollars. Cut by the Houston Texans, still a major part of the contract guaranteed (meaning that no matter what, he gets paid that stated sum) by Houston, signed by Cleveland, who would then have had a hard time winning against themselves in a scrimmage. Cut by one of the worst teams in the AFC, resigned by the Denver Broncos and is being paid more than the number one and number two (first round draft choice) quarterbacks combined. If it were not for television money, the league would be belly up with this type of financial lunacy.

I began my professional football career as a member of the Oakland Raiders. Al Davis was the head coach and Ron Wolf was the player personnel director.

For those not in the know, Ron Wolf was the person who built the Raiders, Green Bay Packers and the Minnesota Vikings into teams of champions. He was the person who found and later signed the talent of each of those teams and he deserves to be in the Hall of Fame. I am still grateful for the

t

NBA players want change, and now must decide how to proceed

By TIM REYNOLDS NBA teams are going to do something.

What, no one is exactly sure yet.

The first practice of the year awaits most NBA teams Tuesday _ and as if the task of getting ready for a regular season that starts in three weeks wasn’t daunting enough, coaches and players all over the league are trying to decide how to best use their platform and continue striving for what they hope is positive change in society.

President Donald Trump’s recent comments on protests

by NFL players, particularly those visible during the playing of the national anthem before games, as well as rescinding the Golden State Warriors’ traditional championship invitation to the White House, have struck a clear chord in the NBA. ``We will support our guys if they choose to decide to fight this in a coherent, connected way,’’ Miami Heat coach Erik Spoelstra said. ``But absolutely, we all feel discouraged just by

the divisiveness right now. And we would all just love to see a lot more equality and inclusion.’’

League-wide media days on Monday were dominated

by Trump talk _ and while frustrations are clear, solutions are not. ``The only thing I can do is forgive him and love him throughout the process,’’ Charlotte center Dwight Howard said. ``And we all have to do that. That’s the only way we’re going to get better. I know a lot of things in history have caused certain groups and certain races to hate other races, but we have to find a way to put all of that aside.’’

He was kinder than most.

At their media days Monday, Washington Wizards guard Bradley Beal said Trump is ``a clown’’ and Toronto Raptors guard DeMar DeRozan called the president a ``so-called leader.’’ That comes on the heels of Cleveland star LeBron James tweeting over the weekend that Trump is a ``bum,’’ doing so after Trump said he was taking away Warriors star Stephen Curry’s invite to visit the White House.

``We know where the power in the country is and we know the racism that exists,’’ said San Antonio coach Gregg Popovich, a graduate of the U.S. Air Force Academy and the next U.S. Olympic men’s basketball coach. ``But it’s gone beyond that, to the point where I’m more worried about, and more confused by, the people around our president. These are intelligent people who know exactly what’s going on, who are basically very negative

about his actions, but now it seems that it’s condoned.’’

Trump said NFL players who kneel for the national anthem should be fired, and his usage of the term ``son of a bitch’’ to describe protesting players also angered many in the NBA. There is a rule in the NBA saying players, coaches and trainers must stand for the national anthem in a dignified manner. But if the Memphis Grizzlies decide they want

to see what happens should anyone defy that mandate, their coach will be right there with them. ``No gray area today,’’ David Fizdale said. ``I’ll be on my knee.’’

It seems unlikely that NBA teams will kneel for anthems; many players said Monday that they wouldn’t do so. Chicago guard Kris Dunn said the matter was of particular importance to him, since he has a close friend serving in Afghanistan with the

U.S. Army. ``The power is in the hands of the players, the NFL players and the same for the NBA players, even though our NBA stars have a much better relationship with owners and with the league than the NFL,’’ Portland Trail Blazers guard Damian Lillard said. ``If NFL players decide `We’re not playing,’ if each player gets behind each other and says `We’re not playing,’ then what?

When you truly make a stand, then what?’’

Thunder forward Paul George said he hopes the NBA does something as a league to show unity in drawing attention to the issue of police and race. ``Everyone has to take a part into doing something,’’ George said. ``Hopefully, we do something as a league that gives us strength. I thought what the NFL is doing right now is beautiful. They’re showing a lot of power, not only from the players, but the front office making statements that we’re going to back up the players up whatever they do. So hopefully, we can approach it the same way the NFL’s doing it.’’

9

TRI-COUNTY SENTRY, OCTOBER 6, 2017

LEGAL T.S. No. 043112-CA APN: 522-0-053-035 NOTICE OF TRUSTEE’S SALE IMPORTANT NOTICE TO PROPERTY OWNER: YOU ARE IN DEFAULT UNDER A DEED OF TRUST, DATED 9/3/2004.

UNLESS YOU TAKE ACTION TO PROTECT YOUR PROPERTY, IT MAY BE SOLD AT A PUBLIC SALE. IF YOU NEED AN EXPLANATION OF THE NATURE OF THE PROCEEDING AGAINST YOU, YOU SHOULD CONTACT A LAWYER On 10/18/2017 at 11:00 AM, CLEAR RECON CORP., as duly appointed trustee under and pursuant to Deed of Trust recorded 9/17/2004, as Instrument No. 200409170253607, of Official Records in the office of the County Recorder of Ventura County, State of CALIFORNIA executed by: STEVEN C. CHATTERTON, A MARRIED MAN WILL SELL AT PUBLIC AUCTION TO HIGHEST BIDDER FOR CASH, CASHIER’S CHECK DRAWN ON A STATE OR NATIONAL BANK, A CHECK DRAWN

BY A STATE OR FEDERAL CREDIT UNION, OR A CHECK DRAWN BY A STATE OR FEDERAL SAVINGS AND LOAN ASSOCIATION, SAVINGS ASSOCIATION, OR SAVINGS BANK SPECIFIED IN SECTION 5102 OF THE FINANCIAL CODE AND AUTHORIZED TO DO BUSINESS IN THIS STATE: AT THE MAIN FRONT ENTRANCE TO THE COUNTY GOVERNMENT CENTER HALL OF JUSTICE LOCATED AT 800 S. VICTORIA AVE., VENTURA, CA 93003 all right, title and interest conveyed to and now held by it under said Deed of Trust in the property situated in said County and State described as: AS MORE FULLY DESCRIBED ON SAID DEED OF TRUST The street address and other common designation, if any, of the real property described above is purported to be: 170 PRENTISS STREET THOUSAND OAKS, CA 91360 The undersigned Trustee disclaims any liability for any incorrectness of the street address and other common designation, if any, shown herein. Said sale will be held, but without covenant or warranty, express or implied, regarding title, possession, condition, or encumbrances, including fees, charges and expenses of the Trustee and of the trusts created by said Deed of Trust, to pay the remaining principal sums of the note(s) secured by said Deed of Trust. The total amount of the unpaid balance of the obligation secured by the property to be sold and reasonable estimated costs, expenses and advances at the time of the initial publication of the Notice of Sale is: $332,438.59 If the Trustee is unable to convey title for any reason, the successful bidder’s sole and exclusive remedy shall be the return of monies paid to the Trustee, and the successful bidder shall have no further recourse. The beneficiary under said Deed of Trust heretofore executed and delivered to the undersigned a written Declaration of Default and Demand for Sale, and a written Notice of Default and Election to Sell. The undersigned caused said Notice of Default and Election to Sell to be recorded in the county where the real property is located.

NOTICE TO POTENTIAL BIDDERS: If you are considering bidding on this property lien, you should understand that there are risks involved in bidding at a trustee auction. You will be bidding on a lien, not on the property itself. Placing the highest bid at a trustee auction does not automatically entitle you to free and clear ownership of the property.

You should also be aware that the lien being auctioned off may be a junior lien. If you are the highest bidder at the auction, you are or may be responsible for paying off all liens senior to the lien being auctioned off, before you can receive clear title to the property.

You are encouraged to investigate the existence, priority, and size of outstanding liens that may exist on this property by contacting the county recorder’s office or a title insurance company, either of which may charge you a fee for this information. If you consult either of these resources, you should be aware that the same lender may hold more than one mortgage or deed of trust on the property. NOTICE TO PROPERTY OWNER: The sale date shown on this notice of sale may be postponed one or more times by the mortgagee, beneficiary, trustee, or a court, pursuant to Section 2924g of the California Civil Code. The law requires that information about trustee sale postponements be made available to you and to the public, as a courtesy to those not present at the sale. If you wish to learn whether your sale date has been postponed, and, if applicable, the rescheduled time and date for the sale of this property, you may call (844) 477-7869 or visit this Internet Web site WWW.STOXPOSTING.COM, using the file number assigned to this case 043112CA. Information about postponements that are very short in duration or that occur close in time to the scheduled sale may not immediately be reflected in the telephone information or on the Internet Web site. The best way to verify postponement information is to attend the scheduled sale. FOR SALES INFORMATION: (844) 477-7869 CLEAR RECON CORP. 4375 Jutland Drive San Diego, California 92117 SchId:68371 AdId:22775 CustId:670 ------------------------------------------------------T.S. No. 056776-CA APN: 165-0-176085 NOTICE OF TRUSTEE’S SALE IMPORTANT NOTICE TO PROPERTY OWNER: YOU ARE IN DEFAULT UNDER A DEED OF TRUST, DATED 10/15/2002. UNLESS YOU TAKE ACTION TO PROTECT YOUR PROPERTY, IT MAY BE SOLD AT A PUBLIC SALE. IF YOU NEED AN EXPLANATION OF THE NATURE OF THE PROCEEDING AGAINST YOU, YOU SHOULD CONTACT A LAWYER On 10/18/2017 at 11:00 AM, CLEAR RECON CORP., as duly appointed trustee under and pursuant to Deed of Trust recorded 11/4/2002, as Instrument No. 2002-0271566-00, of Official Records in the office of the County Recorder of Ventura County, State of CALIFORNIA executed by: WENDELL A. PRICE AND MARY CATHERINE PRICE, HUSBAND AND WIFE, AS JOINT TENANTS WILL SELL AT PUBLIC AUCTION TO HIGHEST BIDDER FOR CASH, CASHIER’S CHECK DRAWN ON A STATE OR NATIONAL BANK, A CHECK DRAWN BY A STATE OR FEDERAL CREDIT UNION, OR A CHECK DRAWN BY A STATE OR FEDERAL SAVINGS AND LOAN ASSOCIATION, SAVINGS ASSOCIATION, OR SAVINGS BANK SPECIFIED IN SECTION 5102 OF THE FINANCIAL CODE AND AUTHORIZED TO DO BUSINESS IN THIS STATE: AT THE MAIN FRONT ENTRANCE TO THE COUNTY GOVERNMENT CENTER HALL OF JUSTICE LOCATED AT 800 S. VICTORIA AVE., VENTURA, CA 93003 all right, title and interest conveyed to and now held by it under said Deed of Trust in the property situated in said County and State described as: MORE FULLY DESCRIBED ON SAID DEED OF TRUST The street address and other common designation, if any, of the real property described above is purported to be: 1875

DUNNIGAN ST CAMARILLO, CA 93010 The undersigned Trustee disclaims any liability for any incorrectness of the street address and other common designation, if any, shown herein. Said sale will be held, but without covenant or warranty, express or implied, regarding title, possession, condition, or encumbrances, including fees, charges and expenses of the Trustee and of the trusts created by said Deed of Trust, to pay the remaining principal sums of the note(s) secured by said Deed of Trust.

The total amount of the unpaid balance of the obligation secured by the property to be sold and reasonable estimated costs, expenses and advances at the time of the initial publication of the Notice of Sale is: $44,203.50 If the Trustee is unable to convey title for any reason, the successful bidder’s sole and exclusive remedy shall be the return of monies paid to the Trustee, and the successful bidder shall have no further recourse. The beneficiary under said Deed of Trust heretofore executed and delivered to the undersigned a written Declaration of Default and Demand for Sale, and a written Notice of Default and Election to Sell. The undersigned caused said Notice of Default and Election to Sell to be recorded in the county where the real property is located.

NOTICE TO POTENTIAL BIDDERS: If you are considering bidding on this property lien, you should understand that there are risks involved in bidding at a trustee auction. You will be bidding on a lien, not on the property itself. Placing the highest bid at a trustee auction does not automatically entitle you to free and clear ownership of the property.

You should also be aware that the lien being auctioned off may be a junior lien. If you are the highest bidder at the auction, you are or may be responsible for paying off all liens senior to the lien being auctioned off, before you can receive clear title to the property.

You are encouraged to investigate the existence, priority, and size of outstanding liens that may exist on this property by contacting the county recorder’s office or a title insurance company, either of which may charge you a fee for this information.

If you consult either of these resources, you should be aware that the same lender may hold more than one mortgage or deed of trust on the property. NOTICE TO PROPERTY OWNER: The sale date shown on this notice of sale may be postponed one or more times by the mortgagee, beneficiary, trustee, or a court, pursuant to Section 2924g of the California Civil Code. The law requires that information about trustee sale postponements be made available to you and to the public, as a courtesy to those not present at the sale. If you wish to learn whether your sale date has been postponed, and, if applicable, the rescheduled time and date for the sale of this property, you may call (844) 477-7869 or visit this Internet Web site WWW.STOXPOSTING.COM, using the file number assigned to this case 056776CA. Information about postponements that are very short in duration or that occur close in time to the scheduled sale may not immediately be reflected in the telephone information or on the Internet Web site. The best way to verify postponement information is to attend the scheduled sale. FOR SALES INFORMATION: (844) 477-7869 CLEAR RECON CORP. 4375 Jutland Drive San Diego, California 92117 SchId:68377 AdId:22777 CustId:670 ------------------------------------------------------T.S. No. 057775-CA APN: 580-0-053245 NOTICE OF TRUSTEE’S SALE IMPORTANT NOTICE TO PROPERTY OWNER: YOU ARE IN DEFAULT UNDER A DEED OF TRUST, DATED 5/15/2007.

UNLESS YOU TAKE ACTION TO PROTECT YOUR PROPERTY, IT MAY BE SOLD AT A PUBLIC SALE. IF YOU NEED AN EXPLANATION OF THE NATURE OF THE PROCEEDING AGAINST YOU, YOU SHOULD CONTACT A LAWYER On 10/18/2017 at 11:00 AM, CLEAR RECON CORP., as duly appointed trustee under and pursuant to Deed of Trust recorded 5/25/2007, as Instrument No. 2007052500106568-0, of Official Records in the office of the County Recorder of Ventura County, State of CALIFORNIA executed by: CYNAIDO B ASIDERA A MARRIED MAN WILL SELL AT PUBLIC AUCTION TO HIGHEST BIDDER FOR CASH, CASHIER’S CHECK DRAWN ON A STATE OR NATIONAL BANK, A CHECK DRAWN BY A STATE OR FEDERAL CREDIT UNION, OR A CHECK DRAWN

BY A STATE OR FEDERAL SAVINGS AND LOAN ASSOCIATION, SAVINGS ASSOCIATION, OR SAVINGS BANK SPECIFIED IN SECTION 5102 OF THE FINANCIAL CODE AND AUTHORIZED TO DO BUSINESS IN THIS STATE: AT THE MAIN FRONT ENTRANCE TO THE COUNTY GOVERNMENT CENTER HALL OF JUSTICE LOCATED AT 800 S. VICTORIA AVE., VENTURA, CA 93003 all right, title and interest conveyed to and now held by it under said Deed of Trust in the property situated in said County and State described as: MORE FULLY DESCRIBED ON SAID DEED OF TRUST The street address and other common designation, if any, of the real property described above is purported to be: 21 ROBBINS COURT SIMI VALLEY, CALIFORNIA 93065 The undersigned Trustee disclaims any liability for any incorrectness of the street address and other common designation, if any, shown herein. Said sale will be held, but without covenant or warranty, express or implied, regarding title, possession, condition, or encumbrances, including fees, charges and expenses of the Trustee and of the trusts created by said Deed of Trust, to pay the remaining principal sums of the note(s) secured by said Deed of Trust.

The total amount of the unpaid balance of the obligation secured by the property to be sold and reasonable estimated costs, expenses and advances at the time of the initial publication of the Notice of Sale is: $559,534.16 If the Trustee is unable to convey title for any reason, the successful bidder’s sole and exclusive remedy shall be the return of monies paid to the Trustee, and the successful bidder shall have no further recourse. The beneficiary under said Deed of Trust heretofore executed and delivered to the undersigned a written Declaration of Default and Demand for Sale, and a written Notice of Default and Election to Sell. The undersigned caused said Notice of Default and Election to Sell to be recorded in the county where the real property is located.

NOTICE TO POTENTIAL BIDDERS: If you are considering bidding on this property lien, you should understand that there are risks involved in bidding at a trustee auction. You will be bidding on a lien, not on the property itself. Placing the highest bid at a trustee auction does not automatically entitle you to free and clear ownership of the property.

You should also be aware that the lien being auctioned off may be a junior lien. If you are the highest bidder at the auction, you are or may be responsible for paying off all liens senior to the lien being auctioned off, before

you can receive clear title to the property.

You are encouraged to investigate the existence, priority, and size of outstanding liens that may exist on this property by contacting the county recorder’s office or a title insurance company, either of which may charge you a fee for this information.

If you consult either of these resources, you should be aware that the same lender may hold more than one mortgage or deed of trust on the property. NOTICE TO PROPERTY OWNER: The sale date shown on this notice of sale may be postponed one or more times by the mortgagee, beneficiary, trustee, or a court, pursuant to Section 2924g of the California Civil Code. The law requires that information about trustee sale postponements be made available to you and to the public, as a courtesy to those not present at the sale. If you wish to learn whether your sale date has been postponed, and, if applicable, the rescheduled time and date for the sale of this property, you may call (844) 477-7869 or visit this Internet Web site WWW.STOXPOSTING.COM, using the file number assigned to this case 057775CA. Information about postponements that are very short in duration or that occur close in time to the scheduled sale may not immediately be reflected in the telephone information or on the Internet Web site. The best way to verify postponement information is to attend the scheduled sale. FOR SALES INFORMATION: (844) 477-7869 CLEAR RECON CORP. 4375 Jutland Drive San Diego, California 92117 SchId:68392 AdId:22782 CustId:670 ------------------------------------------------------T.S. No. 057775-CA APN: 580-0-053245 NOTICE OF TRUSTEE’S SALE IMPORTANT NOTICE TO PROPERTY OWNER: YOU ARE IN DEFAULT UNDER A DEED OF TRUST, DATED 5/15/2007.

UNLESS YOU TAKE ACTION TO PROTECT YOUR PROPERTY, IT MAY BE SOLD AT A PUBLIC SALE. IF YOU NEED AN EXPLANATION OF THE NATURE OF THE PROCEEDING AGAINST YOU, YOU SHOULD CONTACT A LAWYER On 10/18/2017 at 11:00 AM, CLEAR RECON CORP., as duly appointed trustee under and pursuant to Deed of Trust recorded 5/25/2007, as Instrument No. 2007052500106568-0, of Official Records in the office of the County Recorder of Ventura County, State of CALIFORNIA executed by: CYNAIDO B ASIDERA A MARRIED MAN WILL SELL AT PUBLIC AUCTION TO HIGHEST BIDDER FOR CASH, CASHIER’S CHECK DRAWN ON A STATE OR NATIONAL BANK, A CHECK DRAWN BY A STATE OR FEDERAL CREDIT UNION, OR A CHECK DRAWN

BY A STATE OR FEDERAL SAVINGS AND LOAN ASSOCIATION, SAVINGS ASSOCIATION, OR SAVINGS BANK SPECIFIED IN SECTION 5102 OF THE FINANCIAL CODE AND AUTHORIZED TO DO BUSINESS IN THIS STATE: AT THE MAIN FRONT ENTRANCE TO THE COUNTY GOVERNMENT CENTER HALL OF JUSTICE LOCATED AT 800 S. VICTORIA AVE., VENTURA, CA 93003 all right, title and interest conveyed to and now held by it under said Deed of Trust in the property situated in said County and State described as: MORE FULLY DESCRIBED ON SAID DEED OF TRUST The street address and other common designation, if any, of the real property described above is purported to be: 21 ROBBINS COURT SIMI VALLEY, CALIFORNIA 93065 The undersigned Trustee disclaims any liability for any incorrectness of the street address and other common designation, if any, shown herein. Said sale will be held, but without covenant or warranty, express or implied, regarding title, possession, condition, or encumbrances, including fees, charges and expenses of the Trustee and of the trusts created by said Deed of Trust, to pay the remaining principal sums of the note(s) secured by said Deed of Trust.

The total amount of the unpaid balance of the obligation secured by the property to be sold and reasonable estimated costs, expenses and advances at the time of the initial publication of the Notice of Sale is: $559,534.16 If the Trustee is unable to convey title for any reason, the successful bidder’s sole and exclusive remedy shall be the return of monies paid to the Trustee, and the successful bidder shall have no further recourse. The beneficiary under said Deed of Trust heretofore executed and delivered to the undersigned a written Declaration of Default and Demand for Sale, and a written Notice of Default and Election to Sell. The undersigned caused said Notice of Default and Election to Sell to be recorded in the county where the real property is located.

NOTICE TO POTENTIAL BIDDERS: If you are considering bidding on this property lien, you should understand that there are risks involved in bidding at a trustee auction. You will be bidding on a lien, not on the property itself. Placing the highest bid at a trustee auction does not automatically entitle you to free and clear ownership of the property.

You should also be aware that the lien being auctioned off may be a junior lien. If you are the highest bidder at the auction, you are or may be responsible for paying off all liens senior to the lien being auctioned off, before you can receive clear title to the property.

You are encouraged to investigate the existence, priority, and size of outstanding liens that may exist on this property by contacting the county recorder’s office or a title insurance company, either of which may charge you a fee for this information.

If you consult either of these resources, you should be aware that the same lender may hold more than one mortgage or deed of trust on the property. NOTICE TO PROPERTY OWNER: The sale date shown on this notice of sale may be postponed one or more times by the mortgagee, beneficiary, trustee, or a court, pursuant to Section 2924g of the California Civil Code. The law requires that information about trustee sale postponements be made available to you and to the public, as a courtesy to those not present at the sale. If you wish to learn whether your sale date has been postponed, and, if applicable, the rescheduled time and date for the sale of this property, you may call (844) 477-7869 or visit this Internet Web site WWW.STOXPOSTING.COM, using the file number assigned to this case 057775CA. Information about postponements that are very short in duration or that occur close in time to the scheduled sale may not immediately be reflected in the telephone information or on the Internet Web site. The best way to verify postponement information is to attend the scheduled sale. FOR SALES INFORMATION: (844) 477-7869 CLEAR RECON CORP. 4375 Jutland Drive San Diego, California 92117 SchId:68395 AdId:22783 CustId:670 ------------------------------------------------------NOTICE OF TRUSTEE’S SALE TS No. CA-14-652044-HL Order No.: 100336291 NOTE: THERE IS A SUMMARY OF THE

INFORMATION IN THIS DOCUMENT ATTACHED TO THE COPY PROVI DED TO THE MORTGAGOR OR TRUSTOR (Pursuant to Cal. Civ. Code 2923.3) YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED 7/23/2007. UNLESS YOU TAKE ACTION TO PROTECT YOUR PROPERTY, IT MAY BE SOLD AT A PUBLIC SALE. IF YOU NEED AN EXPLANATION OF THE NATURE OF THE PROCEEDING AGAINST YOU, YOU SHOULD CONTACT A LAWYER. A public auction sale to the highest bidder for cash, cashier’s check drawn on a state or national bank, check drawn by state or federal credit union, or a check drawn by a state or federal savings and loan association, or savings association, or savings bank specified in Section 5102 to the Financial C ode and authorized to do business in this state, will be held by duly appointed trustee. The sale will be made, but without covenant or warranty, expressed or implied, regarding title, possession, or encumbrances, to pay the remaining principal sum of the note(s) secured by the Deed of Trust, with interest and late charges thereon, as provided in the note(s), advances, under the terms of the Deed of Trust, interest thereon, fees, charges and expenses of the Trustee for the total amount (at the time of the initial publication of the Notice of Sale) reasonably estimated to be set forth below.

The amount may be greater on the day of sale. BENEFICIARY MAY ELECT TO BID LESS THAN THE TOTAL AMOUNT DUE. Trustor (s): YAKOV LITINETSKY AND MARIA LITINETSKY, TRUSTEES OF THE LITINETSKY FAMILY TRUST OF 2004 Recorded: 7/31/2007 as Instrument No. 20070731-00150517-0 of Official Records in the office of the Recorder of VENTURA County, California; Date of Sale: 10/19/2017 at 11:00AM Place of Sale: At the main entrance to the Government Center Hall of Justice, 800 South Victoria Avenue, Ventura, CA 93009 Amount of unpaid balance and other charges: $2,162,385.59 The purported property address is: 4126 HARBOUR ISLAND LN, OXNARD, CA 93035 Legal Description: Please be advised that the legal description set forth on the Deed of Trust is in error. The legal description of the property secured by the Deed of Trust is more properly set forth and made part Exhibit “A” as attached hereto. PARCEL NO. 1 LOT 59 (THE LOT) OF TRACT NO. 5266-8, AS SHOWN ON A SUBDIVISION MAP (MAP) RECORDED ON JULY 31, 2006, IN BOOK 156 AT PAGES 67 TO 70, INCLUSIVE, OF MISCELLANEOUS RECORDS (MAPS), IN THE OFFICE OF THE VENTURA COUNTY RECORDER. PARCEL NO. 2 NONEXCLUSIVE EASEMENTS FOR ACCESS, INGRESS, EGRESS, DRAINAGE, ENCROACHMENT, SUPPORT, MAINTENANCE, USE, ENJOYMENT, REPAIR, AND FOR OTHER PURPOSES, ALL AS DESCRIBED IN THE DECLARATIONS. PARCEL NO. 3 A NONEXCLUSIVE EASEMENT APPURTENANT TO THE LOT FOR PEDESTRIAN ACCESS, INGRESS AND EGRESS OVER CERTAIN POINTS LOCATED ON THE PEDESTRIAN PATHWAYS LOCATED ADJACENT TO THE LOT SO AS TO PROVIDE FOR THE PASSAGE OF GRANTEE TO USE AND ACCESS THAT PORTION OF THE PRIVATE DOCK FACILITIES (AS DEFINED IN THE DOCK DECLARATION) APPURTENANT TO THE LOT. PARCEL NO. 4 AN EXCLUSIVE USE APPURTENANT EASEMENT FOR ACCESS AND USE OF THE PRIVATE DOCK FACILITY ASSIGNED TO THE LOT IN THE DOCK DECLARATION (DEFINED BELOW). PARCEL NO. 5 A NONEXCLUSIVE RECIPROCAL EASEMENT OVER THE ADJACENT LOT FOR PEDESTRIAN ACCESS, INGRESS AND EGRESS OVER THE REAR STAIRWAY WHICH SERVES BOTH THE LOT AND THE ADJACENT LOT CONSTRUCTED ON THE PROPERTY LINE, IF APPLICABLE, AS REASONABLY NECESSARY FOR ACCESS TO THE PUBLIC WALKWAYS ADJACENT TO THE LOT. GRANTEE AND THE ADJACENT LOT OWNER SHALL BE JOINTLY AND SEVERALLY RESPONSIBLE FOR THE PERIODIC MAINTENANCE OF SUCH STAIRWAY. EXCEPTING AND RESERVING FROM ALL CONVEYANCES, ALL PREVIOUSLY UNRESERVED MINERALS, OIL, GAS, PETROLEUM, OTHER HYDROCARBON SUBSTANCES AND ALL UNDERGROUND WATER IN OR UNDER OR WHICH MAY BE PRODUCED FROM THE ABOVEDESCRIBED LOT WHICH UNDERLIES A PLANE PARALLEL TO AND 500 FEET BELOW THE PRESENT SURFACE OF SUCH LOT FOR THE PURPOSE OF PROSPECTING FOR, THE EXPLORATION, DEVELOPMENT, PRODUCTION, EXTRACTION AND TAKING OF SUCH MINERALS, OIL, GAS, PETROLEUM, OTHER HYDROCARBON SUBSTANCES AND WATER FROM SUCH LOT BY MEANS OF MINES, WELLS, DERRICKS OR OTHER EQUIPMENT FROM SURFACE LOCATIONS ON ADJOINING OR NEIGHBORING LOT OR LYING OUTSIDE OF THE ABOVEDESCRIBED LOT, IT BEING UNDERSTOOD THAT THE OWNER OF SUCH MINERALS, OIL, GAS, PETROLEUM, OTHER HYDROCARBON SUBSTANCES AND WATER, AS SET FORTH ABOVE, SHALL HAVE NO RIGHT TO ENTER UPON THE SURFACE OR ANY PORTION THEREOF ABOVE SUCH PLANE PARALLEL TO AND 500 FEET BELOW THE PRESENT SURFACE OF SUCH LOT FOR ANY PURPOSE WHATSOEVER Assessor’s Parcel No.: 188-0-300-035 NOTICE TO POTENTIAL BIDDERS: If you are considering bidding on this property lien, you should understand that there are risks involved in bidding at a trustee auction. You will be bidding on a lien, not on the property itself. Placing the highest bid at a trustee auction does not automatically entitle you to free and clear ownership of the property. You should also be aware that the lien being auctioned off may be a junior lien. If you are the highest bidder at the auction, you are or may be responsible for paying off all liens senior to the lien being auctioned off, before you can receive clear title to the property. You are encouraged to investigate the existence, priority, and size of outstanding liens that may exist on this property by contacting the county recorder’s office or a title insurance company, either of which may charge you a fee for this information. If you consult either of these resources, you should be aware that the same lender may hold more than one mortgage or deed of trust on the property.

NOTICE TO PROPERTY OWNER: The sale date shown on this notice of sale may be postponed one or more times by the mortgagee, beneficiary, trustee, or a court, pursuant to Section 2924g of the California Civil Code. The law requires that information about trustee sale postponements be made available to you and to the public,

as a courtesy to those not present at the sale. If you wish to learn whether your sa le date has been postponed, and, if applicable, the rescheduled time and date for the sale of this property, you may call 916-939-0772 for information regarding the trustee’s sale or visit this Internet Web site http://www.qualityloan.com , using the file number assigned to this foreclosure by the Trustee: CA-14-652044-HL . Information about postponements that are very short in duration or that occur close in time to the scheduled sale may not immediately be reflected in the telephone information or on the Internet Web site. The best way to verify postponement information is to attend the scheduled sale. The undersigned Trustee disclaims any liability for any incorrectness of the property address or other common designation, if any, shown herein. If no street address or other common designation is shown, directions to the location of the property may be obtained by sending a written request to the beneficiary within 10 days of the date of first publication of this Notice of Sale. If the sale is set aside for any reason, including if the Trustee is unable to convey title, the Purchaser at the sale shall be entitled only to a return o f the monies paid to the Trustee. This shall be the Purchaser’s sole and exclusive remedy. The purchaser shall have no further recourse against the Trustor, the Trustee, the Beneficiary, the Beneficiary’s Agent, or the Beneficiary’s Attorney. If you have previously been discharged through bankruptcy, you may have been released of personal liability for this loan in which case this letter is intended to exercise the note holders right’s against the real property only. QUALITY MAY BE CONSIDERED A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Date: Quality Loan Service Corporation 411 Ivy Street San Diego, CA 92101 619-645-7711 For NON SALE information only Sale Line: 916-939-0772 O r Login to: http://www. qualityloan.com Reinstatement Line: (866) 645-7711 Ext 5318 Quality Loan Service Corp. TS No.: CA-14-652044-HL IDSPub #0131548 9/22/2017 9/29/2017 10/6/2017 SchId:68398 AdId:22784 CustId:608 ------------------------------------------------------NOTICE OF TRUSTEE’S SALE TS No. CA-17-772315-BF Order No.: 730-170523970 NOTE: THERE IS A SUMMARY OF THE INFORMATION IN THIS DOCUMENT ATTACHED TO THE COPY PROVI DED TO THE MORTGAGOR OR TRUSTOR (Pursuant to Cal. Civ. Code 2923.3) YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED 11/6/2007. UNLESS YOU TAKE ACTION TO PROTECT YOUR PROPERTY, IT MAY BE SOLD AT A PUBLIC SALE. IF YOU NEED AN EXPLANATION OF THE NATURE OF THE PROCEEDING AGAINST YOU, YOU SHOULD CONTACT A LAWYER. A public auction sale to the highest bidder for cash, cashier’s check drawn on a state or national bank, check drawn by state or federal credit union, or a check drawn by a state or federal savings and loan association, or savings association, or savings bank specified in Section 5102 to the Financial C ode and authorized to do business in this state, will be held by duly appointed trustee. The sale will be made, but without covenant or warranty, expressed or implied, regarding title, possession, or encumbrances, to pay the remaining principal sum of the note(s) secured by the Deed of Trust, with interest and late charges thereon, as provided in the note(s), advances, under the terms of the Deed of Trust, interest thereon, fees, charges and expenses of the Trustee for the total amount (at the time of the initial publication of the Notice of Sale) reasonably estimated to be set forth below. The amount may be greater on the day of sale. BENEFICIARY MAY ELECT TO BID LESS THAN THE TOTAL AMOUNT DUE. Trustor(s): Daniel D Scarlett. Recorded: 11/14/2007 as Instrument No. 20071114-00209950-0 and modified as per Modification Agreement recorded 11/8/2016 as Instrument No. 20161108-00165298-0 of Official Records in the office of the Recorder of VENTURA County, California; Date of Sale: 10/19/2017 at 9:00 AM Place of Sale: At the Four Points

by Sheraton Ventura Harbor Resort, 1050 Schooner Drive, Ventura, CA 93001, in the Auction.com Room Amount of unpaid balance and other charges: $477,413.86 The purported property address is: 1506 UPPINGHAM DRIVE, THOUSAND OAKS, CA 91360 Assessor’s Parcel No.: 674-0-233-195 NOTICE TO POTENTIAL BIDDERS: If you are considering bidding on this property lien, you should understand that there are risks involved in bidding at a trustee auction. You will be bidding on a lien, not on the property itself. Placing the highest bid at a trustee auction does not automatically entitle you to free and clear ownership of the property. You should also be aware that the lien being auctioned off may be a junior lien. If you are the highest bidder at the auction, you are or may be responsible for paying off all liens senior to the lien being auctioned off, before you can receive clear title to the property. You are encouraged to investigate the existence, priority, and size of outstanding liens that may exist on this property by contacting the county recorder’s office or a title insurance company, either of which may charge you a fee for this information. If you consult either of these resources, you should be aware that the same lender may hold more than one mortgage or deed of trust on the property.

NOTICE TO PROPERTY OWNER: The sale date shown on this notice of sale may be postponed one or more times by the mortgagee, beneficiary, trustee, or a court, pursuant to Section 2924g of the California Civil Code. The law requires that information about trustee sale postponements be made available to you and to the public, as a courtesy to those not present at the sale. If you wish to learn whether your sa le date has been postponed, and, if applicable, the rescheduled time and date for the sale of this property, you may call 800-280-2832 for information regarding the trustee’s sale or visit this Internet Web site http://www.qualityloan.com , using the file number assigned to this foreclosure by the Trustee: CA-17-772315-BF . Information about postponements that are very short in duration or that occur close in time to the scheduled sale may not immediately be reflected in the telephone information or on the Internet Web site. The best way to verify postponement information is to attend the scheduled sale. The undersigned Trustee disclaims any liability for any incorrectness of the property address or other common designation, if any, shown herein. If no street address or other common designation is shown, directions to the location of the property may be obtained by sending a written request to the beneficiary within 10 days of the date of first publication of this Notice of Sale. If the sale is set aside for any reason, including if the Trustee is unable to

convey title, the Purchaser at the sale shall be entitled only to a return o f the monies paid to the Trustee. This shall be the Purchaser’s sole and exclusive remedy. The purchaser shall have no further recourse against the Trustor, the Trustee, the Beneficiary, the Beneficiary’s Agent, or the Beneficiary’s Attorney. If you have previously been discharged through bankruptcy, you may have been released of personal liability for this loan in which case this letter is intended to exercise the note holders right’s against the real property only. QUALITY MAY BE CONSIDERED A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Date: Quality Loan Service Corporation 411 Ivy Street San Diego, CA 92101 619-645-7711 For NON SALE information only Sale Line: 800-280-2832 O r Login to: http://www. qualityloan.com Reinstatement Line: (866) 645-7711 Ext 5318 Quality Loan Service Corp. TS No.: CA-17-772315-BF IDSPub #0131544 9/22/2017 9/29/2017 10/6/2017 SchId:68401 AdId:22785 CustId:608 -----------NOTICE OF TRUSTEE’S SALE TS No. CA-16-757552-RY Order No.: 160408418-CAVOI NOTE: THERE IS A SUMMARY OF THE INFORMATION IN THIS DOCUMENT ATTACHED TO THE COPY PROVI DED TO THE MORTGAGOR OR TRUSTOR (Pursuant to Cal. Civ. Code 2923.3) YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED 8/22/2005.

UNLESS YOU TAKE ACTION TO PROTECT YOUR PROPERTY, IT MAY BE SOLD AT A PUBLIC SALE. IF YOU NEED AN EXPLANATION OF THE NATURE OF THE PROCEEDING AGAINST YOU, YOU SHOULD CONTACT A LAWYER. A public auction sale to the highest bidder for cash, cashier’s check drawn on a state or national bank, check drawn by state or federal credit union, or a check drawn by a state or federal savings and loan association, or savings association, or savings bank specified in Section 5102 to the Financial C ode and authorized to do business in this state, will be held by duly appointed trustee. The sale will be made, but without covenant or warranty, expressed or implied, regarding title, possession, or encumbrances, to pay the remaining principal sum of the note(s) secured by the Deed of Trust, with interest and late charges thereon, as provided in the note(s), advances, under the terms of the Deed of Trust, interest thereon, fees, charges and expenses of the Trustee for the total amount (at the time of the initial publication of the Notice of Sale) reasonably estimated to be set forth below.

The amount may be greater on the day of sale. BENEFICIARY MAY ELECT TO BID LESS THAN THE TOTAL AMOUNT DUE. Trustor(s): CAROLYN JANICE WILLIAMS, AN UNMARRIED WOMAN Recorded: 8/30/2005 as Instrument No. 20050830-0215303 of Official Records in the office of the Recorder of VENTURA County, California; Date of Sale: 10/24/2017 at 11:00AM Place of Sale: At the main entrance to the Government Center Hall of Justice, 800 South Victoria Avenue, Ventura, CA 93009 Amount of unpaid balance and other charges: $296,511.67 The purported property address is: 265 E. FIESTA GREEN, PORT HUENEME, CA 93041 Assessor’s Parcel No.: 189-0-036145 NOTICE TO POTENTIAL BIDDERS: If you are considering bidding on this property lien, you should understand that there are risks involved in bidding at a trustee auction.

You will be bidding on a lien, not on the property itself. Placing the highest bid at a trustee auction does not automatically entitle you to free and clear ownership of the property. You should also be aware that the lien being auctioned off may be a junior lien. If you are the highest bidder at the auction, you are or may be responsible for paying off all liens senior to the lien being auctioned off, before you can receive clear title to the property. You are encouraged to investigate the existence, priority, and size of outstanding liens that may exist on this property by contacting the county recorder’s office or a title insurance company, either of which may charge you a fee for this information. If you consult either of these resources, you should be aware that the same lender may hold more than one mortgage or deed of trust on the property.

NOTICE TO PROPERTY OWNER: The sale date shown on this notice of sale may be postponed one or more times by the mortgagee, beneficiary, trustee, or a court, pursuant to Section 2924g of the California Civil Code. The law requires that information about trustee sale postponements be made available to you and to the public, as a courtesy to those not present at the sale. If you wish to learn whether your sa le date has been postponed, and, if applicable, the rescheduled time and date for the sale of this property, you may call 916-939-0772 for information regarding the trustee’s sale or visit this Internet Web site http://www.qualityloan.com , using the file number assigned to this foreclosure by the Trustee: CA-16-757552-RY . Information about postponements that are very short in duration or that occur close in time to the scheduled sale may not immediately be reflected in the telephone information or on the Internet Web site. The best way to verify postponement information is to attend the scheduled sale. The undersigned Trustee disclaims any liability for any incorrectness of the property address or other common designation, if any, shown herein. If no street address or other common designation is shown, directions to the location of the property may be obtained by sending a written request to the beneficiary within 10 days of the date of first publication of this Notice of Sale. If the sale is set aside for any reason, including if the Trustee is unable to convey title, the Purchaser at the sale shall be entitled only to a return o f the monies paid to the Trustee. This shall be the Purchaser’s sole and exclusive remedy. The purchaser shall have no further recourse against the Trustor, the Trustee, the Beneficiary, the Beneficiary’s Agent, or the Beneficiary’s Attorney. If you have previously been discharged through bankruptcy, you may have been released of personal liability for this loan in which case this letter is intended to exercise the note holders right’s against the real property only. QUALITY MAY BE CONSIDERED A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Date: Quality Loan Service Corporation 411 Ivy Street San Diego, CA 92101 619-645-7711 For NON SALE information only Sale Line: 916-939-0772 O r Login to: http://www. qualityloan.com Reinstatement Line: (866) 645-7711 Ext 5318 Quality Loan Service Corp. TS No.: CA-16-757552-RY IDSPub #0131556 9/29/2017 10/6/2017 10/13/2017 SchId:68403 AdId:22786 CustId:608 -------------------------------------------------------

File No.: 20170905-10017601-0 FICTITIOUS BUSINESS NAME STATEMENT THE FOLLOWING PERSON(S) IS (ARE) DOING BUSINESS AS: 1.) VXS TRANSPORTATION 28 Holt Street Ventura, CA 93001 VENTURA COUNTY Full Name of Registrant Victor Cibrian 28 Holt Street Ventura, CA 93001; Sylvia Cibrian, 28 Holt Street Ventura, CA 93001.

This Business is conducted by: an Individual.

The registrant commenced to transact business under the fictitious business name or names listed above on N/A. I declare that all information in this statement is true and correct. (A registrant who declares information as true any material matter pursuant to Section 17913 of Business and Professions Code that the registrant knows to be false is guilty of a misdemeanor punishable by a fine not to exceed one thousand dollars ($1,000).) /S/Victor Cibrian NOTICE - In accordance with subdivision (a) of Section 17920, a fictitious name statement generally expires at the end of five years from the date on which it was filed in the office of the county clerk, except, as provided in subdivision section 17920, where it expires 40 days after any change in the facts set forth in the statement pursuant to section 17913 other than a change in residence address or registered owner. A new fictitious business name statement must be filed before the expiration. The filing of this statement does not of itself authorize the use in this state of a fictitious business name in violation of the rights of another under Federal, State, or Common Law (see section 14411 ET SEQ., Business and Professions Code).

THIS STATEMENT WAS FILED WITH THE COUNTY CLERK OF VENTURA ON 08/02/2017.

MARK A. LUNN By: Deputy County Clerk SchId:68411 AdId:22788 CustId:517 ------------------------------------------------------File No.: 20170911-10017898-0 FICTITIOUS BUSINESS NAME STATEMENT THE FOLLOWING PERSON(S) IS (ARE) DOING BUSINESS AS: 1.) STEPHEN H. JOHNSON COMPANY 3321 Big Cloud Circle, Thousand Oaks, CA 91360 VENTURA COUNTY Full Name of Registrant Stephen H. Johnson, 3321 Big Cloud Circle, Thousand Oaks, CA 91360.

This Business is conducted by: an Individual.

The registrant commenced to transact business under the fictitious business name or names listed above on August 18, 1999.

I declare that all information in this statement is true and correct. (A registrant who declares information as true any material matter pursuant to Section 17913 of Business and Professions Code that the registrant knows to be false is guilty of a misdemeanor punishable by a fine not to exceed one thousand dollars ($1,000).) /S/Stephen H. Johnson NOTICE - In accordance with subdivision (a) of Section 17920, a fictitious name statement generally expires at the end of five years from the date on which it was filed in the office of the county clerk, except, as provided in subdivision section 17920, where it expires 40 days after any change in the facts set forth in the statement pursuant to section 17913 other than a change in residence address or registered owner. A new fictitious business name statement must be filed before the expiration. The filing of this statement does not of itself authorize the use in this state of a fictitious business name in violation of the rights of another under Federal, State, or Common Law (see section 14411 ET SEQ., Business and Professions Code).

THIS STATEMENT WAS FILED WITH THE COUNTY CLERK OF VENTURA ON 08/02/2017.

MARK A. LUNN By: Deputy County Clerk SchId:68418 AdId:22789 CustId:693 ------------------------------------------------------File No.: 20170912-10018006-0 FICTITIOUS BUSINESS NAME STATEMENT THE FOLLOWING PERSON(S) IS (ARE) DOING BUSINESS AS: 1.) BLUELINE DESIGNS 885 Patriot Drive, Unit G, Moorpark, CA 93021 VENTURA COUNTY Full Name of Registrant Dave W. Kugelstadt, 1724 Sinaloa Road, Unit 223, Simi Valley, CA 93065.

This Business is conducted by: an Individual.

The registrant commenced to transact business under the fictitious business name or names listed above on 1989.

I declare that all information in this statement is true and correct. (A registrant who declares information as true any material matter pursuant to Section 17913 of Business and Professions Code that the registrant knows to be false is guilty of a misdemeanor punishable by a fine not to exceed one thousand dollars ($1,000).) /S/Dave W. Kugelstadt NOTICE - In accordance with subdivision (a) of Section 17920, a fictitious name statement generally expires at the end of five years from the date on which it was filed in the office of the county clerk, except, as provided in subdivision section 17920, where it expires 40 days after any change in the facts set forth in the statement pursuant to section 17913 other than a change in residence address or registered owner. A new fictitious business name statement must be filed before the expiration. The filing of this statement does not of itself authorize the use in this state of a fictitious business name in violation of the rights of another under Federal, State, or Common Law (see section 14411 ET SEQ., Business and Professions Code).

THIS STATEMENT WAS FILED WITH THE COUNTY CLERK OF VENTURA ON 9/12/2017.

MARK A. LUNN By: Deputy County Clerk SchId:68495 AdId:22790 CustId:693 ------------------------------------------------------APN: 040-0-120-075 TS No: CA08000400-17-1 TO No: 170113780 NOTICE OF TRUSTEE’S SALE (The above statement is made pursuant to CA Civil Code Section 2923.3(d)(1). The Summary will be provided to Trustor(s) and/or vested owner(s) only, pursuant to CA Civil Code Section 2923.3(d)(2).) YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED April 5, 1990. UNLESS YOU TAKE ACTION TO PROTECT YOUR PROPERTY, IT MAY BE

10

TRI-COUNTY SENTRY, OCTOBER 6, 2017

LEGAL SOLD AT A PUBLIC SALE. IF YOU NEED AN EXPLANATION OF THE NATURE OF THE PROCEEDINGS AGAINST YOU, YOU SHOULD CONTACT A LAWYER. On October 19, 2017 at 11:00 AM, at the main entrance to the Government Center Hall of Justice, 800 South Victoria Avenue, Ventura, CA 93001, MTC Financial Inc. dba Trustee Corps, as the duly Appointed Trustee, under and pursuant to the power of sale contained in that certain Deed of Trust recorded on April 11, 1990 as Instrument No. 90-054051, of official records in the Office of the Recorder of Ventura County, California, executed by CHARLES C. CHANEY AND DOROTHY P. CHANEY, WHO ARE MARRIED TO EACH OTHER, as Trustor(s), in favor of BANK OF AMERICA NT&SA, A NATIONAL BANKING ASSOCIATION as Beneficiary, WILL SELL AT PUBLIC AUCTION TO THE HIGHEST BIDDER, in lawful money of the United States, all payable at the time of sale, that certain property situated in said County, California describing the land therein as: AS MORE FULLY DESCRIBED IN SAID DEED OF TRUST The property heretofore described is being sold “as is”. The street address and other common designation, if any, of the real property described above is purported to be: 3622 OJAI RD, SANTA PAULA, CA 93060 The undersigned Trustee disclaims any liability for any incorrectness of the street address and other common designation, if any, shown herein. Said sale will be made without covenant or warranty, express or implied, regarding title, possession, or encumbrances, to pay the remaining principal sum of the Note(s) secured by said Deed of Trust, with interest thereon, as provided in said Note(s), advances if any, under the terms of the Deed of Trust, estimated fees, charges and expenses of the Trustee and of the trusts created by said Deed of Trust. The total amount of the unpaid balance of the obligations secured by the property to be sold and reasonable estimated costs, expenses and advances at the time of the initial publication of this Notice of Trustee’s Sale is estimated to be $9,623.06 (Estimated).

However, prepayment premiums, accrued interest and advances will increase this figure prior to sale. Beneficiary’s bid at said sale may include all or part of said amount. In addition to cash, the Trustee will accept a cashier’s check drawn on a state or national bank, a check drawn by a state or federal credit union or a check drawn by a state or federal savings and loan association, savings association or savings bank specified in Section 5102 of the California Financial Code and authorized to do business in California, or other such funds as may be acceptable to the Trustee. In the event tender other than cash is accepted, the Trustee may withhold the issuance of the Trustee’s Deed Upon Sale until funds become available to the payee or endorsee as a matter of right. The property offered for sale excludes all funds held on account by the property receiver, if applicable. If the Trustee is unable to convey title for any reason, the successful bidder’s sole and exclusive remedy shall be the return of monies paid to the Trustee and the successful bidder shall have no further recourse. Notice to Potential Bidders If you are considering bidding on this property lien, you should understand that there are risks involved in bidding at a Trustee auction. You will be bidding on a lien, not on the property itself. Placing the highest bid at a Trustee auction does not automatically entitle you to free and clear ownership of the property.

You should also be aware that the lien being auctioned off may be a junior lien. If you are the highest bidder at the auction, you are or may be responsible for paying off all liens senior to the lien being auctioned off, before you can receive clear title to the property.

You are encouraged to investigate the existence, priority, and size of outstanding liens that may exist on this property by contacting the county recorder’s office or a title insurance company, either of which may charge you a fee for this information.

If you consult either of these resources, you should be aware that the same Lender may hold more than one mortgage or Deed of Trust on the property. Notice to Property Owner The sale date shown on this Notice of Sale may be postponed one or more times by the Mortgagee, Beneficiary, Trustee, or a court, pursuant to Section 2924g of the California Civil Code. The law requires that information about Trustee Sale postponements be made available to you and to the public, as a courtesy to those not present at the sale. If you wish to learn whether your sale date has been postponed, and, if applicable, the rescheduled time and date for the sale of this property, you may call In Source Logic at 702-659-7766 for information regarding the Trustee’s Sale or visit the Internet Web site address listed below for information regarding the sale of this property, using the file number assigned to this case, CA08000400-17-1. Information about postponements that are very short in duration or that occur close in time to the scheduled sale may not immediately be reflected in the telephone information or on the Internet Web site. The best way to verify postponement information is to attend the scheduled sale. Date: September 12, 2017 MTC Financial Inc. dba Trustee Corps TS No. CA08000400-17-1 17100 Gillette Ave Irvine, CA 92614 Phone: 949-2528300 TDD: 866-660-4288 Myron Ravelo, Authorized Signatory SALE INFORMATION CAN BE OBTAINED ON LINE AT www. insourcelogic.com FOR AUTOMATED SALES INFORMATION PLEASE CALL: In Source Logic AT 702-659-7766 Trustee Corps may be acting as a debt collector attempting to collect a debt. Any information obtained may be used for that purpose.ISL Number 34223, Pub Dates: 09/22/2017, 09/29/2017, 10/06/2017, TRICOUNTY SENTRY SchId:68433 AdId:22794 CustId:669 ------------------------------------------------------T.S. No. 035425-CA APN: 675-0-253085 NOTICE OF TRUSTEE’S SALE IMPORTANT NOTICE TO PROPERTY OWNER: YOU ARE IN DEFAULT UNDER A DEED OF TRUST, DATED 11/20/2006.

UNLESS YOU TAKE ACTION TO PROTECT YOUR PROPERTY, IT MAY BE SOLD AT A PUBLIC SALE. IF YOU NEED AN EXPLANATION OF THE NATURE OF THE PROCEEDING AGAINST YOU, YOU SHOULD CONTACT A LAWYER On 10/25/2017 at 11:00 AM, CLEAR RECON CORP., as duly appointed trustee under and pursuant to Deed of Trust recorded 11/29/2006, as Instrument No. 2006112900251050-0, of Official Records in the office of the County Recorder of Ventura County, State of CALIFORNIA executed by: SANDRA A GUERRERO AND PIERRE F GUERRERO, WIFE AND HUSBAND AS JOINT TENENTS WILL SELL AT PUBLIC AUCTION TO HIGHEST BIDDER FOR CASH, CASHIER’S CHECK DRAWN ON A STATE OR NATIONAL BANK, A CHECK DRAWN BY A STATE OR FEDERAL

CREDIT UNION, OR A CHECK DRAWN

BY A STATE OR FEDERAL SAVINGS AND LOAN ASSOCIATION, SAVINGS ASSOCIATION, OR SAVINGS BANK SPECIFIED IN SECTION 5102 OF THE FINANCIAL CODE AND AUTHORIZED TO DO BUSINESS IN THIS STATE: AT THE MAIN FRONT ENTRANCE TO THE COUNTY GOVERNMENT CENTER HALL OF JUSTICE LOCATED AT 800 S. VICTORIA AVE., VENTURA, CA 93003 all right, title and interest conveyed to and now held by it under said Deed of Trust in the property situated in said County and State described as: MORE FULLY DESCRIBED ON SAID DEED OF TRUST The street address and other common designation, if any, of the real property described above is purported to be: 760 CALLE MARGARITA THOUSAND OAKS, CA 91360-4850 The undersigned Trustee disclaims any liability for any incorrectness of the street address and other common designation, if any, shown herein. Said sale will be held, but without covenant or warranty, express or implied, regarding title, possession, condition, or encumbrances, including fees, charges and expenses of the Trustee and of the trusts created by said Deed of Trust, to pay the remaining principal sums of the note(s) secured by said Deed of Trust.

The total amount of the unpaid balance of the obligation secured by the property to be sold and reasonable estimated costs, expenses and advances at the time of the initial publication of the Notice of Sale is: $547,281.10 If the Trustee is unable to convey title for any reason, the successful bidder’s sole and exclusive remedy shall be the return of monies paid to the Trustee, and the successful bidder shall have no further recourse. The beneficiary under said Deed of Trust heretofore executed and delivered to the undersigned a written Declaration of Default and Demand for Sale, and a written Notice of Default and Election to Sell. The undersigned caused said Notice of Default and Election to Sell to be recorded in the county where the real property is located.

NOTICE TO POTENTIAL BIDDERS: If you are considering bidding on this property lien, you should understand that there are risks involved in bidding at a trustee auction. You will be bidding on a lien, not on the property itself. Placing the highest bid at a trustee auction does not automatically entitle you to free and clear ownership of the property.

You should also be aware that the lien being auctioned off may be a junior lien. If you are the highest bidder at the auction, you are or may be responsible for paying off all liens senior to the lien being auctioned off, before you can receive clear title to the property.

You are encouraged to investigate the existence, priority, and size of outstanding liens that may exist on this property by contacting the county recorder’s office or a title insurance company, either of which may charge you a fee for this information. If you consult either of these resources, you should be aware that the same lender may hold more than one mortgage or deed of trust on the property. NOTICE TO PROPERTY OWNER: The sale date shown on this notice of sale may be postponed one or more times by the mortgagee, beneficiary, trustee, or a court, pursuant to Section 2924g of the California Civil Code. The law requires that information about trustee sale postponements be made available to you and to the public, as a courtesy to those not present at the sale. If you wish to learn whether your sale date has been postponed, and, if applicable, the rescheduled time and date for the sale of this property, you may call (844) 477-7869 or visit this Internet Web site WWW.STOXPOSTING.COM, using the file number assigned to this case 035425CA. Information about postponements that are very short in duration or that occur close in time to the scheduled sale may not immediately be reflected in the telephone information or on the Internet Web site. The best way to verify postponement information is to attend the scheduled sale. FOR SALES INFORMATION: (844) 477-7869 CLEAR RECON CORP. 4375 Jutland Drive San Diego, California 92117 SchId:68438 AdId:22796 CustId:670 ------------------------------------------------------NOTICE OF TRUSTEE’S SALE TS No. CA-17-761306-RY Order No.: 170034307-CAVOI NOTE: THERE IS A SUMMARY OF THE INFORMATION IN THIS DOCUMENT ATTACHED TO THE COPY PROVI DED TO THE MORTGAGOR OR TRUSTOR (Pursuant to Cal. Civ. Code 2923.3) YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED 6/8/2006.

UNLESS YOU TAKE ACTION TO PROTECT YOUR PROPERTY, IT MAY BE SOLD AT A PUBLIC SALE. IF YOU NEED AN EXPLANATION OF THE NATURE OF THE PROCEEDING AGAINST YOU, YOU SHOULD CONTACT A LAWYER. A public auction sale to the highest bidder for cash, cashier’s check drawn on a state or national bank, check drawn by state or federal credit union, or a check drawn by a state or federal savings and loan association, or savings association, or savings bank specified in Section 5102 to the Financial C ode and authorized to do business in this state, will be held by duly appointed trustee. The sale will be made, but without covenant or warranty, expressed or implied, regarding title, possession, or encumbrances, to pay the remaining principal sum of the note(s) secured by the Deed of Trust, with interest and late charges thereon, as provided in the note(s), advances, under the terms of the Deed of Trust, interest thereon, fees, charges and expenses of the Trustee for the total amount (at the time of the initial publication of the Notice of Sale) reasonably estimated to be set forth below.

The amount may be greater on the day of sale. BENEFICIARY MAY ELECT TO BID LESS THAN THE TOTAL AMOUNT DUE. Trustor(s): MICHAEL A. COOK AND, KIMBERLEY A. COOK, HUSBAND AND WIFE, AS JOINT TENANTS Recorded: 6/12/2006 as Instrument No. 200606120123838 of Official Records in the office of the Recorder of VENTURA County, California; Date of Sale: 10/24/2017 at 11:00AM Place of Sale: At the main entrance to the Government Center Hall of Justice, 800 South Victoria Avenue, Ventura, CA 93009 Amount of unpaid balance and other charges: $930,299.38 The purported property address is: 1965 LAKOTA STREET, SIMI VALLEY, CA 93065 Assessor’s Parcel No.: 619-0-251-085 NOTICE TO POTENTIAL BIDDERS: If you are considering bidding on this property lien, you should understand that there are risks involved in bidding at a trustee auction. You will be bidding on a lien, not on the property itself. Placing the highest bid at a trustee auction does not automatically entitle you to free and clear ownership of the property.

You should also be aware that the lien being auctioned off may be a junior lien. If you are the highest bidder at the auction, you are or may be responsible for paying off all liens senior to the lien being auctioned off, before

you can receive clear title to the property.

You are encouraged to investigate the existence, priority, and size of outstanding liens that may exist on this property by contacting the county recorder’s office or a title insurance company, either of which may charge you a fee for this information. If you consult either of these resources, you should be aware that the same lender may hold more than one mortgage or deed of trust on the property. NOTICE TO PROPERTY OWNER: The sale date shown on this notice of sale may be postponed one or more times by the mortgagee, beneficiary, trustee, or a court, pursuant to Section 2924g of the California Civil Code. The law requires that information about trustee sale postponements be made available to you and to the public, as a courtesy to those not present at the sale. If you wish to learn whether your sa le date has been postponed, and, if applicable, the rescheduled time and date for the sale of this property, you may call 916-939-0772 for information regarding the trustee’s sale or visit this Internet Web site http://www.qualityloan.com , using the file number assigned to this foreclosure by the Trustee: CA-17-761306-RY . Information about postponements that are very short in duration or that occur close in time to the scheduled sale may not immediately be reflected in the telephone information or on the Internet Web site. The best way to verify postponement information is to attend the scheduled sale. The undersigned Trustee disclaims any liability for any incorrectness of the property address or other common designation, if any, shown herein. If no street address or other common designation is shown, directions to the location of the property may be obtained by sending a written request to the beneficiary within 10 days of the date of first publication of this Notice of Sale. If the sale is set aside for any reason, including if the Trustee is unable to convey title, the Purchaser at the sale shall be entitled only to a return o f the monies paid to the Trustee. This shall be the Purchaser’s sole and exclusive remedy. The purchaser shall have no further recourse against the Trustor, the Trustee, the Beneficiary, the Beneficiary’s Agent, or the Beneficiary’s Attorney. If you have previously been discharged through bankruptcy, you may have been released of personal liability for this loan in which case this letter is intended to exercise the note holders right’s against the real property only. QUALITY MAY BE CONSIDERED A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Date: Quality Loan Service Corporation 411 Ivy Street San Diego, CA 92101 619-645-7711 For NON SALE information only Sale Line: 916-9390772 O r Login to: http://www.qualityloan. com Reinstatement Line: (866) 645-7711 Ext 5318 Quality Loan Service Corp. TS No.: CA-17-761306-RY IDSPub #0131851 9/29/2017 10/6/2017 10/13/2017 SchId:68450 AdId:22800 CustId:608 ------------------------------------------------------NOTICE OF TRUSTEE’S SALE TS No. CA-15-672006-RY Order No.: 95511647 NOTE: THERE IS A SUMMARY OF THE INFORMATION IN THIS DOCUMENT ATTACHED TO THE COPY PROVI DED TO THE MORTGAGOR OR TRUSTOR (Pursuant to Cal. Civ. Code 2923.3) YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED 8/8/2005. UNLESS YOU TAKE ACTION TO PROTECT YOUR PROPERTY, IT MAY BE SOLD AT A PUBLIC SALE. IF YOU NEED AN EXPLANATION OF THE NATURE OF THE PROCEEDING AGAINST YOU, YOU SHOULD CONTACT A LAWYER. A public auction sale to the highest bidder for cash, cashier’s check drawn on a state or national bank, check drawn by state or federal credit union, or a check drawn by a state or federal savings and loan association, or savings association, or savings bank specified in Section 5102 to the Financial C ode and authorized to do business in this state, will be held by duly appointed trustee. The sale will be made, but without covenant or warranty, expressed or implied, regarding title, possession, or encumbrances, to pay the remaining principal sum of the note(s) secured by the Deed of Trust, with interest and late charges thereon, as provided in the note(s), advances, under the terms of the Deed of Trust, interest thereon, fees, charges and expenses of the Trustee for the total amount (at the time of the initial publication of the Notice of Sale) reasonably estimated to be set forth below. The amount may be greater on the day of sale. BENEFICIARY MAY ELECT TO BID LESS THAN THE TOTAL AMOUNT DUE. Trustor(s): EMILDRED CACALDA REYES, AND ISABELO EDGAR PATOLOT REYES, WIFE AND HUSBAND AS JOINT TENANTS Recorded: 8/17/2005 as Instrument No. 20050817-0203878 of Official Records in the office of the Recorder of VENTURA County, California; Date of Sale: 10/24/2017 at 11:00AM Place of Sale: At the main entrance to the Government Center Hall of Justice, 800 South Victoria Avenue, Ventura, CA 93009 Amount of unpaid balance and other charges: $516,325.94 The purported property address is: 1360 HACIENDA DRIVE, OXNARD, CA 93030 Assessor’s Parcel No.: 215-0-284-235 NOTICE TO POTENTIAL BIDDERS: If you are considering bidding on this property lien, you should understand that there are risks involved in bidding at a trustee auction. You will be bidding on a lien, not on the property itself. Placing the highest bid at a trustee auction does not automatically entitle you to free and clear ownership of the property. You should also be aware that the lien being auctioned off may be a junior lien. If you are the highest bidder at the auction, you are or may be responsible for paying off all liens senior to the lien being auctioned off, before you can receive clear title to the property. You are encouraged to investigate the existence, priority, and size of outstanding liens that may exist on this property by contacting the county recorder’s office or a title insurance company, either of which may charge you a fee for this information. If you consult either of these resources, you should be aware that the same lender may hold more than one mortgage or deed of trust on the property.

NOTICE TO PROPERTY OWNER: The sale date shown on this notice of sale may be postponed one or more times by the mortgagee, beneficiary, trustee, or a court, pursuant to Section 2924g of the California Civil Code. The law requires that information about trustee sale postponements be made available to you and to the public, as a courtesy to those not present at the sale. If you wish to learn whether your sa le date has been postponed, and, if applicable, the rescheduled time and date for the sale of this property, you may call 916-939-0772 for information regarding the trustee’s sale or visit this Internet Web site http://www.qualityloan.com , using the file number assigned to this foreclosure by the Trustee: CA-15-672006-RY . Information

about postponements that are very short in duration or that occur close in time to the scheduled sale may not immediately be reflected in the telephone information or on the Internet Web site. The best way to verify postponement information is to attend the scheduled sale. The undersigned Trustee disclaims any liability for any incorrectness of the property address or other common designation, if any, shown herein. If no street address or other common designation is shown, directions to the location of the property may be obtained by sending a written request to the beneficiary within 10 days of the date of first publication of this Notice of Sale. If the sale is set aside for any reason, including if the Trustee is unable to convey title, the Purchaser at the sale shall be entitled only to a return o f the monies paid to the Trustee. This shall be the Purchaser’s sole and exclusive remedy. The purchaser shall have no further recourse against the Trustor, the Trustee, the Beneficiary, the Beneficiary’s Agent, or the Beneficiary’s Attorney. If you have previously been discharged through bankruptcy, you may have been released of personal liability for this loan in which case this letter is intended to exercise the note holders right’s against the real property only. QUALITY MAY BE CONSIDERED A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Date: Quality Loan Service Corporation 411 Ivy Street San Diego, CA 92101 619-645-7711 For NON SALE information only Sale Line: 916-9390772 O r Login to: http://www.qualityloan. com Reinstatement Line: (866) 645-7711 Ext 5318 Quality Loan Service Corp. TS No.: CA-15-672006-RY IDSPub #0131767 9/29/2017 10/6/2017 10/13/2017 SchId:68453 AdId:22801 CustId:608 ------------------------------------------------------NOTICE OF TRUSTEE’S SALE Trustee Sale No. : 00000006572903 Title Order No.: 170033003 FHA/VA/PMI No.: 1976746623-703 ATTENTION RECORDER: THE FOLLOWING REFERENCE TO AN ATTACHED SUMMARY APPLIES ONLY TO COPIES PROVIDED TO THE TRUSTOR, NOT TO THIS RECORDED ORIGINAL NOTICE. NOTE: THERE IS A SUMMARY OF THE INFORMATION IN THIS DOCUMENT ATTACHED. YOU ARE IN DEFAULT UNDER A DEED OF TRUST, DATED 06/26/2014. UNLESS YOU TAKE ACTION TO PROTECT YOUR PROPERTY, IT MAY BE SOLD AT A PUBLIC SALE. IF YOU NEED AN EXPLANATION OF THE NATURE OF THE PROCEEDING AGAINST YOU, YOU SHOULD CONTACT A LAWYER. BARRETT DAFFIN FRAPPIER TREDER and WEISS, LLP, as duly appointed Trustee under and pursuant to Deed of Trust Recorded on 06/27/2014 as Instrument No. 20140627-00080231-0 of official records in the office of the County Recorder of VENTURA County, State of CALIFORNIA. EXECUTED BY: CARLOS GALARZA, A MARRIED MAN, AS HIS SOLE AND SEPARATE PROPERTY,WILL SELL AT PUBLIC AUCTION TO HIGHEST BIDDER FOR CASH, CASHIER’S CHECK/ CASH EQUIVALENT or other form of payment authorized by California Civil Code 2924h(b), (payable at time of sale in lawful money of the United States). DATE OF SALE: 11/02/2017. TIME OF SALE: 9:00 AM. PLACE OF SALE: FOUR POINTS

BY SHERATON VENTURA HARBOR RESORT 1050 SCHOONER DRIVE VENTURA, CA 93001. STREET ADDRESS and other common designation, if any, of the real property described above is purported to be:823 EAST PLEASANT STREET, SANTA PAULA, CALIFORNIA 93060. APN#: 100-0173-065. The undersigned Trustee disclaims any liability for any incorrectness of the street address and other common designation, if any, shown herein. Said sale will be made, but without covenant or warranty, expressed or implied, regarding title, possession, or encumbrances, to pay the remaining principal sum of the note(s) secured by said Deed of Trust, with interest thereon, as provided in said note(s), advances, under the terms of said Deed of Trust, fees, charges and expenses of the Trustee and of the trusts created by said Deed of Trust.

The total amount of the unpaid balance of the obligation secured by the property to be sold and reasonable estimated costs, expenses and advances at the time of the initial publication of the Notice of Sale is $301,161.75. The beneficiary under said Deed of Trust heretofore executed and delivered to the undersigned a written Declaration of Default and Demand for Sale, and a written Notice of Default and Election to Sell. The undersigned caused said Notice of Default and Election to Sell to be recorded in the county where the real property is located.

NOTICE TO POTENTIAL BIDDERS: If you are considering bidding on this property lien, you should understand that there are risks involved in bidding at a trustee auction. You will be bidding on a lien, not on the property itself. Placing the highest bid at a trustee auction does not automatically entitle you to free and clear ownership of the property.

You should also be aware that the lien being auctioned off may be a junior lien. If you are the highest bidder at the auction, you are or may be responsible for paying off all liens senior to the lien being auctioned off, before you can receive clear title to the property. You are encouraged to investigate the existence, priority, and size of outstanding liens that may exist on this property by contacting the county recorder’s office or a title insurance company, either of which may charge you a fee for this information. If you consult either of these resources, you should be aware that the same lender may hold more than one mortgage or deed of trust on the property.

NOTICE TO PROPERTY OWNER: The sale date shown on this notice of sale may be postponed one or more times by the mortgagee, beneficiary, trustee, or a court, pursuant to Section 2924g of the California Civil Code. The law requires that information about trustee sale postponements be made available to you and to the public, as a courtesy to those not present at the sale.

If you wish to learn whether your sale date has been postponed, and, if applicable, the rescheduled time and date for the sale of this property, you may call 800-280-2832 for information regarding the trustee’s sale or visit this Internet Web site www.auction. com for information regarding the sale of this property, using the file number assigned to this case 00000006572903. Information about postponements that are very short in duration or that occur close in time to the scheduled sale may not immediately be reflected in the telephone information or on the Internet Web site. The best way to verify postponement information is to attend the scheduled sale. FOR TRUSTEE SALE INFORMATION PLEASE CALL:AUCTION. COM, LLC 800-280-2832 www.auction. com BARRETT DAFFIN FRAPPIER TREDER and WEISS, LLP as Trustee 20955 Pathfinder Road, Suite 300 Diamond Bar, CA 91765 (866) 795-1852 Dated:

09/19/2017 BARRETT DAFFIN FRAPPIER TREDER and WEISS, LLP IS ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. A-4633436 09/29/2017, 10/06/2017, 10/13/2017 SchId:68456 AdId:22802 CustId:64 ------------------------------------------------------NOTICE OF PETITION TO ADMINISTER ESTATE OF Karen Blackmore Zitting Case No. 56-2017-00496210-PRLAOXN To all heirs, beneficiaries, creditors, contingent creditors, and persons who may otherwise be interested in the will or estate, or both, of Karen Blackmore Zitting aka Karen Blackmore aka Karen Zitting.

A PETITION FOR PROBATE has been filed by Arthur R. Blackmore, Jr. in the Superior Court of California, County of Ventura County.

THE PETITION FOR PROBATE requests that Arthur R. Blackmore, Jr. be appointed as personal representative to administer the estate of the decedent (Successor Administrator).

THE PETITION requests authority to administer the estate under the Independent Administration of Estates Act. (This authority will allow the personal representative to take many actions without obtaining court approval. Before taking certain very important actions, however, the personal representative will be required to give notice to interested persons unless they have waived notice or consented to the proposed action.) The independent administration authority will be granted unless an interested person files an objection to the petition and shows good cause why the court should not grant the authority.

A HEARING on the petition will be held on 10/25/2017 at 9:00 AM in J-6 located at 4353 E. Vineyard Avenue, Oxnard, California 93036.

IF YOU OBJECT to the granting of the petition, you should appear at the hearing and state your objections or file written objections with the court before the hearing.

Your appearance may be in person or by your attorney.

IF YOU ARE A CREDITOR or a contingent creditor of the decedent, you must file your claim with the court and mail a copy to the personal representative appointed by the court within the later of either (1) four months from the date of first issuance of letters to a general personal representative, as defined in section 58(b) of the California Probate Code, or (2) 60 days from the date of mailing or personal delivery to you of a notice under section 9052 of the California Probate Code.

Other California statutes and legal authority may affect your rights as a creditor.

You may want to consult with an attorney knowledgeable in California law.

YOU MAY EXAMINE the file kept by the court. If you are a person interested in the estate, you may file with the court a Request for Special Notice (form DE-154) of the filing of an inventory and appraisal of estate assets or of any petition or account as provided in Probate Code section 1250. A Request for Special Notice form is available from the court clerk.

Ruth D. Morrow, Esq. (SBN 077507) Law Offices of David A. Esquibias 2625 Townsgate Road, Ste. 330 Westlake Village, CA 91361 (805) 267-1141 SchId:68466 AdId:22805 CustId:694 ------------------------------------------------------File No.: 20170920-10018603-0 FICTITIOUS BUSINESS NAME STATEMENT THE FOLLOWING PERSON(S) IS (ARE) DOING BUSINESS AS: 1.) ELEGANT ENVELOPES & MORE, 5284 Lafayette Street, Ventura, CA 93003.

VENTURA COUNTY Full Name of Registrant: Katherine A. Villegas, 5284 Lafayette Street, Ventura, CA 93003.

This Business is conducted by: an individual.

The registrant commenced to transact business under the fictitious business name or names listed above on September, 19, 2017.

I declare that all information in this statement is true and correct. (A registrant who declares information as true any material matter pursuant to Section 17913 of Business and Professions Code that the registrant knows to be false is guilty of a misdemeanor punishable by a fine not to exceed one thousand dollars ($1,000).) /S/Katherine A. Villegas NOTICE - In accordance with subdivision (a) of Section 17920, a fictitious name statement generally expires at the end of five years from the date on which it was filed in the office of the county clerk, except, as provided in subdivision section 17920, where it expires 40 days after any change in the facts set forth in the statement pursuant to section 17913 other than a change in residence address or registered owner. A new fictitious business name statement must be filed before the expiration. The filing of this statement does not of itself authorize the use in this state of a fictitious business name in violation of the rights of another under Federal, State, or Common Law (see section 14411 ET SEQ., Business and Professions Code).

THIS STATEMENT WAS FILED WITH THE COUNTY CLERK OF VENTURA ON 09/20/2017.

MARK A. LUNN SchId:68469 AdId:22806 CustId:693 ------------------------------------------------------NOTICE OF PETITION TO ADMINISTER ESTATE OF ALICE ANN STUMP AKA ALICE STUMP AKA ALICE ANN LEWIS Case No. 56-2017-00501655-PR-PLOXN To all heirs, beneficiaries, creditors, contingent creditors, and persons who may otherwise be interested in the will or estate, or both, of ALICE ANN STUMP AKA ALICE STUMP AKA ALICE ANN LEWIS. A PETITION FOR PROBATE has been filed by Susan Marie Cox in the Superior Court of California, County of Ventura County.

THE PETITION FOR PROBATE requests that Susan Marie Cox be appointed as administrator with will annexed to administer the estate of the decedent.

THE PETITION requests the decedent’s will and codicils, if any, be admitted to probate. The will and any codicils are available for examination in the file kept by the court.

A HEARING on the petition will be held on 10/26/2017 at 9:00 AM in J6 located at 4353 E. Vineyard Avenue, Oxnard, California 93036.

IF YOU OBJECT to the granting of the petition, you should appear at the hearing and state your objections or file written objections with the court before the hearing.

Your appearance may be in person or by your attorney.

IF YOU ARE A CREDITOR or a contingent creditor of the decedent, you must file your claim with the court and mail a copy to the personal representative appointed by the court within the later of either (1) four months from the date of first issuance of letters to a general personal representative, as defined in section 58(b) of the California Probate Code, or (2) 60 days from the date of mailing or personal delivery to you of a notice under section 9052 of the California Probate Code.

Other California statutes and legal authority may affect your rights as a creditor.

You may want to consult with an attorney knowledgeable in California law.

YOU MAY EXAMINE the file kept by the court. If you are a person interested in the estate, you may file with the court a Request for Special Notice (form DE-154) of the filing of an inventory and appraisal of estate assets or of any petition or account as provided in Probate Code section 1250. A Request for Special Notice form is available from the court clerk.

Raymond L. Stuehrmann Law Office of Raymond L. Stuehrmann 100 E. Thousand Oaks Blvd., Ste. 231 Thousand Oaks, CA 91360 (805) 230-1288 SchId:68473 AdId:22807 CustId:695 ------------------------------------------------------File No.: 20170814-10015000-0 FICTITIOUS BUSINESS NAME STATEMENT THE FOLLOWING PERSON(S) IS (ARE) DOING BUSINESS AS: 1.) TJ AUTO CARE, 534 Montgomery, #303, Oxnard, CA 93036.

VENTURA COUNTY Full Name of Registrant: Tania Romero Vega, 1170 W. Hemlock St., Oxnard, CA 93033.

This Business is conducted by: an individual.

The registrant commenced to transact business under the fictitious business name or names listed above on N/A. I declare that all information in this statement is true and correct. (A registrant who declares information as true any material matter pursuant to Section 17913 of Business and Professions Code that the registrant knows to be false is guilty of a misdemeanor punishable by a fine not to exceed one thousand dollars ($1,000).) /S/Tania Romero Vega NOTICE - In accordance with subdivision (a) of Section 17920, a fictitious name statement generally expires at the end of five years from the date on which it was filed in the office of the county clerk, except, as provided in subdivision section 17920, where it expires 40 days after any change in the facts set forth in the statement pursuant to section 17913 other than a change in residence address or registered owner. A new fictitious business name statement must be filed before the expiration. The filing of this statement does not of itself authorize the use in this state of a fictitious business name in violation of the rights of another under Federal, State, or Common Law (see section 14411 ET SEQ., Business and Professions Code).

THIS STATEMENT WAS FILED WITH THE COUNTY CLERK OF VENTURA ON 08/14/2017.

MARK A. LUNN SchId:68476 AdId:22808 CustId:693 ------------------------------------------------------File No.: 20170915-10018338-0 FICTITIOUS BUSINESS NAME STATEMENT THE FOLLOWING PERSON(S) IS (ARE) DOING BUSINESS AS: 1.) Dairy Queen of Oxnard, 1941 North Rose Ave., Ste. 720, Oxnard, CA 93030.

VENTURA COUNTY Full Name of Registrant: Caroline V. Salgado, 731 Halyard St., Port Hueneme, CA 93041.

This Business is conducted by: an individual.

The registrant commenced to transact business under the fictitious business name or names listed above on N/A. I declare that all information in this statement is true and correct. (A registrant who declares information as true any material matter pursuant to Section 17913 of Business and Professions Code that the registrant knows to be false is guilty of a misdemeanor punishable by a fine not to exceed one thousand dollars ($1,000).) /S/ Caroline V. Salgado NOTICE - In accordance with subdivision (a) of Section 17920, a fictitious name statement generally expires at the end of five years from the date on which it was filed in the office of the county clerk, except, as provided in subdivision section 17920, where it expires 40 days after any change in the facts set forth in the statement pursuant to section 17913 other than a change in residence address or registered owner. A new fictitious business name statement must be filed before the expiration. The filing of this statement does not of itself authorize the use in this state of a fictitious business name in violation of the rights of another under Federal, State, or Common Law (see section 14411 ET SEQ., Business and Professions Code).

THIS STATEMENT WAS FILED WITH THE COUNTY CLERK OF VENTURA ON 09/15/2017.

MARK A. LUNN SchId:68480 AdId:22809 CustId:693 ------------------------------------------------------File No.: 20170914-10018275-0 FICTITIOUS BUSINESS NAME STATEMENT THE FOLLOWING PERSON(S) IS (ARE) DOING BUSINESS AS: 1.) PLUG LORDZ; 2) PLUG LORDZ MEDIA, 1353 Calle De Oro, Thousand Oaks, CA 91360.

VENTURA COUNTY Full Name of Registrant: 1) Jennifer Harrison, 1353 Calle De Oro, Thousand Oaks, CA 91360.

2) Edwin Henriquez, 1353 Calle De Oro, Thousand Oaks, CA 91360.

This Business is conducted by: a general partnership.

The registrant commenced to transact business under the fictitious business name or names listed above on April 1, 2017.

I declare that all information in this statement is true and correct. (A registrant who declares information as true any material matter pursuant to Section 17913 of Business and Professions Code that the registrant knows to be false is guilty of a misdemeanor punishable by a fine not to exceed one thousand dollars ($1,000).) /S/ Jennifer Harrison

NOTICE - In accordance with subdivision (a) of Section 17920, a fictitious name statement generally expires at the end of five years from the date on which it was filed in the office of the county clerk, except, as provided in subdivision section 17920, where it expires 40 days after any change in the facts set forth in the statement pursuant to section 17913 other than a change in residence address or registered owner. A new fictitious business name statement must be filed before the expiration. The filing of this statement does not of itself authorize the use in this state of a fictitious business name in violation of the rights of another under Federal, State, or Common Law (see section 14411 ET SEQ., Business and Professions Code).

THIS STATEMENT WAS FILED WITH THE COUNTY CLERK OF VENTURA ON 09/14/2017.

MARK A. LUNN SchId:68484 AdId:22810 CustId:693 ------------------------------------------------------File No.: 20170914-10018292-0 FICTITIOUS BUSINESS NAME STATEMENT THE FOLLOWING PERSON(S) IS (ARE) DOING BUSINESS AS: 1.) SOMETHINGPRO 77, 409 Cresthill Drive, Oak Park, CA 91377.

VENTURA COUNTY Full Name of Registrant: 1) Sohrob Parsa Keynejad, 409 Cresthill Drive, Oak Park, CA 91377.

This Business is conducted by: an individual.

The registrant commenced to transact business under the fictitious business name or names listed above on September 14, 2017.

I declare that all information in this statement is true and correct. (A registrant who declares information as true any material matter pursuant to Section 17913 of Business and Professions Code that the registrant knows to be false is guilty of a misdemeanor punishable by a fine not to exceed one thousand dollars ($1,000).) /S/ Sohrob Parsa Keynejad NOTICE - In accordance with subdivision (a) of Section 17920, a fictitious name statement generally expires at the end of five years from the date on which it was filed in the office of the county clerk, except, as provided in subdivision section 17920, where it expires 40 days after any change in the facts set forth in the statement pursuant to section 17913 other than a change in residence address or registered owner. A new fictitious business name statement must be filed before the expiration. The filing of this statement does not of itself authorize the use in this state of a fictitious business name in violation of the rights of another under Federal, State, or Common Law (see section 14411 ET SEQ., Business and Professions Code).

THIS STATEMENT WAS FILED WITH THE COUNTY CLERK OF VENTURA ON 09/14/2017.

MARK A. LUNN SchId:68488 AdId:22811 CustId:693 ------------------------------------------------------NOTICE OF TRUSTEE’S SALE Trustee Sale No. 17-524179 170203284-CAVOI APN 506-0-240-115 YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED 03/03/2006. UNLESS YOU TAKE ACTION TO PROTECT YOUR PROPERTY, IT MAY BE SOLD AT A PUBLIC SALE. IF YOU NEED AN EXPLANATION OF THE NATURE OF THE PROCEEDINGS AGAINST YOU, YOU SHOULD CONTACT A LAWYER. On 10/19/2017 at 11:00AM, Aztec Foreclosure Corporation as the duly appointed Trustee under and pursuant to the power of sale contained in that certain Deed of Trust executed by GREGORY R. MOELLEER, A MARRIED PERSON GAIL P. MOELLER, A MARRIED PERSON, as Trustor(s), in favor of Charles Schwab Bank, N.A., as Beneficiary, Recorded on 03/28/2006 in Instrument No. 200603280065455 of official records in the Office of the county recorder of VENTURA County, California; WILL SELL AT PUBLIC AUCTION TO THE HIGHEST BIDDER FOR CASH (payable at time of sale in lawful money of the United States, by cash, a cashier’s check drawn by a state or national bank, a check drawn by a state or federal credit union, or a check drawn by a state or federal savings and loan association, savings association, or savings bank specified in section 5102 of the Financial Code and authorized to do business in this state), At the main entrance to the Government Center Hall of Justice, 800 South Victoria Avenue, Ventura, CA 93009, all right, title and interest conveyed to and now held by it under said Deed of Trust in the property situated in said County, California described as: 12129 CHERRY GROVE ST, MOORPARK, CA 93021 The property heretofore described is being sold “as is”. The undersigned Trustee disclaims any liability for any incorrectness of the street address and other common designation, if any, shown herein. Said sale will be made, but without covenant or warranty, expressed or implied, regarding title, possession, or encumbrances, to pay the remaining principal sum of the note(s) secured by said Deed of Trust, with interest thereon, as provided in said note(s), advances, if any, under the terms of the Deed of Trust, estimated fees, charges and expenses of the Trustee and of the trusts created by said Deed of Trust, towit: $132,731.67 (Estimated) Accrued interest and additional advances, if any, will increase this figure prior to sale. The undersigned caused said Notice of Default and Election to Sell to be recorded in the county where the real property is located and more than three months have elapsed since such recordation. DATE: 09/19/2017 AZTEC FORECLOSURE CORPORATION ELAINE MALONE ASSISTANT SECRETARY / ASSISTANCE VICE PRESIDENT Aztec Foreclosure Corporation 3636 N. Central Ave., Suite #400 Phoenix, AZ 85012 Phone: (877) 257-0717 or (602) 638-5700 Fax: (602) 638-5748 www.aztectrustee.com NOTICE TO POTENTIAL BIDDERS: If you are considering bidding on this property lien, you should understand that there are risks involved in bidding at a trustee auction. You will be bidding on a lien, not on the property itself. Placing the highest bid at a trustee auction does not automatically entitle you to free and clear ownership of the property.

You should also be aware that the lien being auctioned off may be a junior lien. If you are the highest bidder at the auction, you are or may be responsible for paying off all liens senior to the lien being auctioned off, before you can receive clear title to the property.

You are encouraged to investigate the existence, priority, and size of outstanding liens that may exist on this property by contacting the county recorder’s office or a title insurance company, either of which may charge you a fee for this information. If you

11

TRI-COUNTY SENTRY, OCTOBER 6, 2017

LEGAL consult either of these resources, you should be aware that the same lender may hold more than one mortgage or deed of trust on the property. NOTICE TO PROPERTY OWNER: The sale date shown on this notice of sale may be postponed one or more times by the mortgagee, beneficiary, trustee, or a court, pursuant to Section 2924g of the California Civil Code. The law requires that information about trustee sale postponements be made available to you and to the public, as a courtesy to those not present at the sale. If you wish to learn whether your sale date has been postponed, and, if applicable, the rescheduled time and date for the sale of this property, you may call or visit the Internet Web site, using the file number assigned to this case 17524179. Information about postponements that are very short in duration or that occur close in time to the scheduled sale may not immediately be reflected in the telephone information or on the Internet Web site. The best way to verify postponement information is to attend the scheduled sale. www. nationwideposting.com 916-939-0772 Or Aztec Foreclosure Corporation (877) 2570717 www.aztectrustee.com NPP0316683 To: TRICOUNTY SENTRY 09/29/2017, 10/06/2017, 10/13/2017 SchId:68507 AdId:22817 CustId:68 ------------------------------------------------------TSG No.: 160074254 TS No.: L548639 FHA/VA/PMI No.: APN: 166-0-194-195 Property Address: 3154 EAST BELAIR COURT CAMARILLO, CA 930100000 NOTICE OF TRUSTEE’S SALE YOU ARE IN DEFAULT UNDER A DEED OF TRUST, DATED 11/15/2005. UNLESS YOU TAKE ACTION TO PROTECT YOUR PROPERTY, IT MAY BE SOLD AT A PUBLIC SALE. IF YOU NEED AN EXPLANATION OF THE NATURE OF THE PROCEEDING AGAINST YOU, YOU SHOULD CONTACT A LAWYER. On 10/19/2017 at 11:00 A.M., T.D. Service Company, as duly appointed Trustee under and pursuant to Deed of Trust recorded 11/28/2005, as Instrument No. 20051128-0291301, in book , page , , of Official Records in the office of the County Recorder of VENTURA County, State of California. Executed by: CRLOS MAGALLON, A SINGLE MAN, WILL SELL AT PUBLIC AUCTION TO HIGHEST BIDDER FOR CASH, CASHIER’S CHECK/CASH EQUIVALENT or other form of payment authorized by 2924h(b), (Payable at time of sale in lawful money of the United States) At the main entrance to the Government Center Hall of Justice, 800 South Victoria Avenue, Ventura, CA 93009 All right, title and interest conveyed to and now held by it under said Deed of Trust in the property situated in said County and State described as: AS MORE FULLY DESCRIBED IN THE ABOVE MENTIONED DEED OF TRUST APN# 166-0-194-195 The street address and other common designation, if any, of the real property described above is purported to be: 3154 EAST BELAIR COURT, CAMARILLO, CA 930100000 The undersigned Trustee disclaims any liability for any incorrectness of the street address and other common designation, if any, shown herein. Said sale will be made, but without covenant or warranty, expressed or implied, regarding title, possession, or encumbrances, to pay the remaining principal sum of the note(s) secured by said Deed of Trust, with interest thereon, as provided in said note(s), advances, under the terms of said Deed of Trust, fees, charges and expenses of the Trustee and of the trusts created by said Deed of Trust. The total amount of the unpaid balance of the obligation secured by the property to be sold and reasonable estimated costs, expenses and advances at the time of the initial publication of the Notice of Sale is $386,326.14. The beneficiary under said Deed of Trust has deposited all documents evidencing the obligations secured by the Deed of Trust and has declared all sums secured thereby immediately due and payable, and has caused a written Notice of Default and Election to Sell to be executed. The undersigned caused said Notice of Default and Election to Sell to be recorded in the County where the real property is located.

NOTICE TO POTENTIAL BIDDERS: If you are considering bidding on this property lien, you should understand that there are risks involved in bidding at a trustee auction. You will be bidding on a lien, not on the property itself. Placing the highest bid at a trustee auction does not automatically entitle you to free and clear ownership of the property.

You should also be aware that the lien being auctioned off may be a junior lien. If you are the highest bidder at the auction, you are or may be responsible for paying off all liens senior to the lien being auctioned off, before you can receive clear title to the property.

You are encouraged to investigate the existence, priority, and size of outstanding liens that may exist on this property by contacting the county recorder’s office or a title insurance company, either of which may charge you a fee for this information.

If you consult either of these resources, you should be aware that the same lender may hold more than one mortgage or deed of trust on the property. NOTICE TO PROPERTY OWNER: The sale date shown on this notice of sale may be postponed one or more times by the mortgagee, beneficiary, trustee, or a court, pursuant to Section 2924g of the California Civil Code. The law requires that information about trustee sale postponements be made available to you and to the public, as a courtesy to those not present at the sale. If you wish to learn whether your sale date has been postponed, and if applicable, the rescheduled time and date for the sale of this property, you may call (916)939-0772 or visit this Internet Web http://search.nationwideposting.com/ propertySearchTerms.aspx, using the file number assigned to this case L548639 Information about postponements that are very short in duration or that occur close in time to the scheduled sale may not immediately be reflected in the telephone information or on the Internet Web site.

The best way to verify postponement information is to attend the scheduled sale.

If the sale is set aside for any reason, the Purchaser at the sale shall be entitled only to a return of the deposit paid. The Purchaser shall have no further recourse against the Mortgagor, the Mortgagee or the Mortgagee’s attorney. Date: T.D. Service Company 4000 W. Metropolitan Drive, Ste 400 Orange, CA 92868 T.D. Service Company MAY BE ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED MAY BE USED FOR THAT PURPOSE FOR TRUSTEES SALE INFORMATION PLEASE CALL (916)939-0772NPP0317104 To: TRICOUNTY SENTRY 09/29/2017, 10/06/2017, 10/13/2017 SchId:68510 AdId:22818 CustId:68 -------------------------------------------------------

T.S. No.: 9987-5327 TSG Order No.: 730-1704964-70 A.P.N.: 224-0-081-065 NOTICE OF TRUSTEE’S SALE YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED 11/28/2006. UNLESS YOU TAKE ACTION TO PROTECT YOUR PROPERTY, IT MAY BE SOLD AT A PUBLIC SALE. IF YOU NEED AN EXPLANATION OF THE NATURE OF THE PROCEEDING AGAINST YOU, YOU SHOULD CONTACT A LAWYER. NBS Default Services, LLC, as the duly appointed Trustee, under and pursuant to the power of sale contained in that certain Deed of Trust Recorded 12/06/2006 as Document No.: 2006120600256317- 0, of Official Records in the office of the Recorder of Ventura County, California, executed by: VENANCIO SANTOS BUMATAY AND POTENCIANA C. BUMATAY, HUSBAND AND WIFE , as Trustor, WILL SELL AT PUBLIC AUCTION TO THE HIGHEST BIDDER FOR CASH (payable in full at time of sale by cash, a cashier’s check drawn by a state or national bank, a check drawn by a state or federal credit union, or a check drawn by a state or federal savings and loan association, savings association, or savings bank specified in section 5102 of the Financial Code and authorized to do business in this state). All right, title and interest conveyed to and now held by it under said Deed of Trust in the property situated in said County and state, and as more fully described in the above referenced Deed of Trust. Sale Date & Time: 10/24/2017 at 11:00 AM Sale Location: At the main entrance to the Government Center Hall of Justice, 800 South Victoria Avenue, Ventura, CA 93009 The street address and other common designation, if any, of the real property described above is purported to be: 4241 BROWNING DRIVE, OXNARD, CA 930336715 The undersigned Trustee disclaims any liability for any incorrectness of the street address and other common designation, if any, shown herein. Said sale will be made in an “AS IS” condition, but without covenant or warranty, expressed or implied, regarding title, possession, or encumbrances, to pay the remaining principal sum of the note(s) secured by said Deed of Trust, with interest thereon, as provided in said note(s), advances, if any, under the terms of the Deed of Trust, estimated fees, charges and expenses of the Trustee and of the trusts created by said Deed of Trust, towit: $471,965.64 (Estimated) as of 10/13/2017.

Accrued interest and additional advances, if any, will increase this figure prior to sale. It is possible that at the time of sale the opening bid may be less than the total indebtedness due. NOTICE TO POTENTIAL BIDDERS: If you are considering bidding on this property lien, you should understand that there are risks involved in bidding at a trustee auction.

You will be bidding on a lien, not on the property itself. Placing the highest bid at a trustee auction does not automatically entitle you to free and clear ownership of the property. You should also be aware that the lien being auctioned off may be a junior lien.

If you are the highest bidder at the auction, you are or may be responsible for paying off all liens senior to the lien being auctioned off, before you can receive clear title to the property. You are encouraged to investigate the existence, priority, and size of outstanding liens that may exist on this property by contacting the county recorder’s office or a title insurance company, either of which may charge you a fee for this information. If you consult either of these resources, you should be aware that the same lender may hold more than one mortgage or deed of trust on the property. NOTICE TO PROPERTY OWNER: The sale date shown on this notice of sale may be postponed one or more times by the mortgagee, beneficiary, trustee, or a court, pursuant to Section 2924g of the California Civil Code. The law requires that information about trustee sale postponements be made available to you and to the public, as a courtesy to those not present at the sale. If you wish to learn whether your sale date has been postponed, and, if applicable, the rescheduled time and date for the sale of this property, you may call, 916-939-0772 for information regarding the trustee’s sale or visit this Internet Web site, www.nationwideposting. com, for information regarding the sale of this property, using the file number assigned to this case, T.S.# 9987-5327. Information about postponements that are very short in duration or that occur close in time to the scheduled sale may not immediately be reflected in the telephone information or on the internet Web site. The best way to verify postponement information is to attend the scheduled sale. If the Trustee is unable to convey title for any reason, the successful bidder’s sole and exclusive remedy shall be the return of monies paid to the Trustee and the successful bidder shall have no further recourse. NBS Default Services, LLC 301 E. Ocean Blvd. Suite 1720 Long Beach, CA 90802 800-766-7751 For Trustee Sale Information Log On To: www. nationwideposting.com or Call: 916-9390772. NBS Default Services, LLC, Omar Solorzano, Foreclosure Associate This communication is an attempt to collect a debt and any information obtained will be used for that purpose. However, if you have received a discharge of the debt referenced herein in a bankruptcy proceeding, this is not an attempt to impose personal liability upon you for payment of that debt. In the event you have received a bankruptcy discharge, any action to enforce the debt will be taken against the property only. NPP0316400 To: TRICOUNTY SENTRY 09/29/2017, 10/06/2017, 10/13/2017 SchId:68513 AdId:22819 CustId:68 ------------------------------------------------------TSG No.: 8703422 TS No.: CA1700279639 FHA/VA/PMI No.: APN: 107-0-043-135/107-0-043-105 Property Address: 18492 EAST TELEGRAPH ROAD SANTA PAULA, CA 93060 NOTICE OF TRUSTEE’S SALE YOU ARE IN DEFAULT UNDER A DEED OF TRUST, DATED 01/20/2009. UNLESS YOU TAKE ACTION TO PROTECT YOUR PROPERTY, IT MAY BE SOLD AT A PUBLIC SALE. IF YOU NEED AN EXPLANATION OF THE NATURE OF THE PROCEEDING AGAINST YOU, YOU SHOULD CONTACT A LAWYER. On 10/19/2017 at 11:00 A.M., First American Title Insurance Company, as duly appointed Trustee under and pursuant to Deed of Trust recorded 02/06/2009, as Instrument No. 20090206-00016736-0, in book , page , , of Official Records in the office of the County Recorder of VENTURA County, State of California. Executed by: DAVID A. WILKINSON AND TRESA J. WILKINSON, HUSBAND AND WIFE AS JOINT TENANTS, WILL SELL AT PUBLIC AUCTION TO HIGHEST BIDDER FOR CASH, CASHIER’S CHECK/CASH EQUIVALENT or other form of payment authorized by 2924h(b), (Payable at time of sale in lawful money of the United States) At the main entrance to the Government Center Hall of Justice, 800 South Victoria

Avenue, Ventura, CA 93009 All right, title and interest conveyed to and now held by it under said Deed of Trust in the property situated in said County and State described as: AS MORE FULLY DESCRIBED IN THE ABOVE MENTIONED DEED OF TRUST APN# 107-0-043- 135/107-0-043105 The street address and other common designation, if any, of the real property described above is purported to be: 18492 EAST TELEGRAPH ROAD, SANTA PAULA, CA 93060 The undersigned Trustee disclaims any liability for any incorrectness of the street address and other common designation, if any, shown herein. Said sale will be made, but without covenant or warranty, expressed or implied, regarding title, possession, or encumbrances, to pay the remaining principal sum of the note(s) secured by said Deed of Trust, with interest thereon, as provided in said note(s), advances, under the terms of said Deed of Trust, fees, charges and expenses of the Trustee and of the trusts created by said Deed of Trust. The total amount of the unpaid balance of the obligation secured by the property to be sold and reasonable estimated costs, expenses and advances at the time of the initial publication of the Notice of Sale is $532,450.60. The beneficiary under said Deed of Trust has deposited all documents evidencing the obligations secured by the Deed of Trust and has declared all sums secured thereby immediately due and payable, and has caused a written Notice of Default and Election to Sell to be executed. The undersigned caused said Notice of Default and Election to Sell to be recorded in the County where the real property is located.

NOTICE TO POTENTIAL BIDDERS: If you are considering bidding on this property lien, you should understand that there are risks involved in bidding at a trustee auction. You will be bidding on a lien, not on the property itself. Placing the highest bid at a trustee auction does not automatically entitle you to free and clear ownership of the property.

You should also be aware that the lien being auctioned off may be a junior lien. If you are the highest bidder at the auction, you are or may be responsible for paying off all liens senior to the lien being auctioned off, before you can receive clear title to the property.

You are encouraged to investigate the existence, priority, and size of outstanding liens that may exist on this property by contacting the county recorder’s office or a title insurance company, either of which may charge you a fee for this information.

If you consult either of these resources, you should be aware that the same lender may hold more than one mortgage or deed of trust on the property. NOTICE TO PROPERTY OWNER: The sale date shown on this notice of sale may be postponed one or more times by the mortgagee, beneficiary, trustee, or a court, pursuant to Section 2924g of the California Civil Code. The law requires that information about trustee sale postponements be made available to you and to the public, as a courtesy to those not present at the sale. If you wish to learn whether your sale date has been postponed, and if applicable, the rescheduled time and date for the sale of this property, you may call (916)939-0772 or visit this Internet Web http://search.nationwideposting. com/propertySearchTerms.aspx, using the file number assigned to this case CA1700279639 Information about postponements that are very short in duration or that occur close in time to the scheduled sale may not immediately be reflected in the telephone information or on the Internet Web site. The best way to verify postponement information is to attend the scheduled sale. If the sale is set aside for any reason, the Purchaser at the sale shall be entitled only to a return of the deposit paid. The Purchaser shall have no further recourse against the Mortgagor, the Mortgagee or the Mortgagee’s attorney.

Date: First American Title Insurance Company 4795 Regent Blvd, Mail Code 1011-F Irving, TX 75063 First American Title Insurance Company MAY BE ACTING AS A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED MAY BE USED FOR THAT PURPOSE FOR TRUSTEES SALE INFORMATION PLEASE CALL (916)9390772NPP0316745 To: TRICOUNTY SENTRY 09/29/2017, 10/06/2017, 10/13/2017 SchId:68516 AdId:22820 CustId:68 ------------------------------------------------------APN: 111-0-060-045 TS No: CA08004467-14-1 TO No: NXCA-0123271 NOTICE OF TRUSTEE’S SALE (The above statement is made pursuant to CA Civil Code Section 2923.3(d)(1). The Summary will be provided to Trustor(s) and/or vested owner(s) only, pursuant to CA Civil Code Section 2923.3(d) (2).) YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED January 26, 2007. UNLESS YOU TAKE ACTION TO PROTECT YOUR PROPERTY, IT MAY BE SOLD AT A PUBLIC SALE. IF YOU NEED AN EXPLANATION OF THE NATURE OF THE PROCEEDINGS AGAINST YOU, YOU SHOULD CONTACT A LAWYER. On October 31, 2017 at 11:00 AM, MTC Financial Inc. dba Trustee Corps, as the duly appointed Trustee under and pursuant to Deed of Trust recorded February 1, 2007 as Instrument No. 20070201-00022031-0, of official records in the Office of the Recorder of Ventura County, California, executed by: KANWAR VASHISHI SAIN AND SUDARSHAN SETH SAIN, HUSBAND AND WIFE AS JOINT TENANTS , as Trustor, ING BANK , FSB (Original Lender) and Capital One, N.A., as successor by merger to ING Bank, F.S.B., as current Servicer/ Lender, WILL SELL AT PUBLIC AUCTION TO THE HIGHEST BIDDER FOR CASH (payable at time of sale in lawful money of the United States, by cash, a cashier’s check drawn by a state or national bank, a check drawn by a state or federal credit union, or a check drawn by a state or federal savings and loan association, savings association, or savings bank specified in section 5102 of the Financial Code and authorized to do business in this state). At: at the main entrance to the Government Center Hall of Justice, 800 South Victoria Avenue, Ventura, CA 93001, all right, title and interest conveyed to and now held by it under said Deed of Trust in the property situated in said County, California describing the land therein: “AS MORE FULLY DESCRIBED IN THE ABOVE MENTIONED DEED OF TRUST” The property heretofore described is being sold “as is”. The street address and other common designation, if any, of the real property described above is purported to be: 2807 DIAMOND DRIVE, CAMARILLO, CA 93010-7485 The undersigned Trustee disclaims any liability for any incorrectness of the street address and other common designation, if any, shown herein. Said sale will be made, but without covenant or warranty, expressed or implied, regarding title, possession, or encumbrances, to

pay the remaining principal sum of the note(s) secured by said Deed of Trust, with interest thereon, as provided in said note(s), advances, if any, under the terms of the Deed of Trust, estimated fees, charges and expenses of the Trustee and of the trusts created by said Deed of Trust, towit: $1,180,291.01. Accrued interest and additional advances, if any, will increase this figure prior to sale. CONDITION OF SALE: The successful bidder will be required to pay county documentary transfer tax, any city tax, and any other applicable taxes or fees (including, but not limited to, the fee for recording Preliminary Change of Ownership report) to the auctioneer at the time of sale. If the Trustee is unable to convey title for any reason, the successful bidder’s sole and exclusive remedy shall be the return of monies paid to the Trustee and the successful bidder shall have no further recourse. If the sale is set aside for any reason, the purchaser’s sole and exclusive remedy shall be the return of monies paid to the Trustee and the purchaser shall have no further recourse. The beneficiary under said Deed of Trust heretofore executed and delivered to the undersigned a written Declaration of Default and Demand for Sale, and a written Notice of Default and Election to Sell. The undersigned caused said Notice of Default and Election to Sell to be recorded in the county where the real property is located and more than three months have elapsed since such recordation. TO NOTIFY TRUSTEE OF BANKRUPTCY FILINGS, PLEASE FAX FACE PAGE OF BANKRUPTCY PETITION TO 949.252.8330 NOTICE TO POTENTIAL BIDDERS: If you are considering bidding on this property lien, you should understand that there are risks involved in bidding at a trustee auction. You will be bidding on a lien, not on the property itself. Placing the highest bid at a trustee auction does not automatically entitle you to free and clear ownership of the property. You should also be aware that the lien being auctioned off may be a junior lien. If you are the highest bidder at the auction, you are or may be responsible for paying off all liens senior to the lien being auctioned off, before you can receive clear title to the property. You are encouraged to investigate the existence, priority, and size of outstanding liens that may exist on this property by contacting the county recorder’s office or a title insurance company, either of which may charge you a fee for this information. If you consult either of these resources, you should be aware that the same lender may hold more than one mortgage or deed of trust on the property. NOTICE TO PROPERTY OWNER: The sale date shown on this notice of sale may be postponed one or more times by the mortgagee, beneficiary, trustee, or a court, pursuant to Section 2924g of the California Civil Code. The law requires that information about trustee sale postponements be made available to you and to the public, as a courtesy to those not present at the sale. If you wish to learn whether your sale date has been postponed, and, if applicable, the rescheduled time and date for the sale of this property, you may call In Source Logic at 702-659-7766 or visit this Internet Web site www.insourcelogic. com, using the file number assigned to this case CA08004467-14. Information about postponements that are very short in duration or that occur close in time to the scheduled sale may not immediately be reflected in the telephone information or on the Internet Web site. The best way to verify postponement information is to attend the scheduled sale. Date: September 19, 2017 MTC Financial Inc. dba Trustee Corps 17100 Gillette Ave Irvine, CA 92614 Phone: 949-252-8300 TDD: 866-660-4288 Myron Ravelo, Authorized SignatoryISL Number 34449, Pub Dates: 10/06/2017, 10/13/2017, 10/20/2017, TRICOUNTY SENTRY SchId:68521 AdId:22822 CustId:669 ------------------------------------------------------NOTICE TO CREDITORS [PROBATE CODE SEC. 19040] Case Number: 56-2017-00501521-PRNCOXN SUPERIOR COURT OF THE STATE OF CALIFORNIA COUNTY OF VENTURA In the Matter of THE VENTURA TRUST U/T/D MAY 19, 1997, as amended and restated.

NOTICE IS HEREBY GIVEN to the creditors and contingent creditors of the decedent JEANETTE ROSE VENTURA aka JEANETTE VENTURA, and of the decedent’s inter vivos trust that all persons having claims against the decedent or her interest in the VENTURA TRUST u/t/d May 19, 1997 as amended and restated are required to file said claims with the Probate Clerk of the Superior Court at: SUPERIOR COURT PROBATE CLERK, 4353 Vineyard Avenue, Oxnard, California 93036 and mail or deliver a copy of said claim(s) to DEBORAH S. VENTURA and MARIE V. ROCKLIN, Successor CoTrustees at: The Law Offices of David H. Baum, A Professional Law Corporation, 16255 Ventura Boulevard, Suite 840, Encino, California 91436-2317 within the latter of four months after the date of September 29, 2017 or if notice is mailed or personally delivered to you, then sixty days after the date this notice is mailed or personally delivered to you, or you must petition the Court to file a late claim as provided in Section 19103 of the California Probate Code. A claim form may be obtained from the Court Clerk’s office.

For your protection, you are encouraged to file your creditor’s claim by certified mail with a return receipt requested.

Dated: September 1, 2017 THE LAW OFFICES OF DAVID H. BAUM A PROFESSIONAL LAW CORPORATION By: DAVID H. BAUM Attorney for the CoTrustees CN942266 VENTURA Sep 29, Oct 6,13, 2017 SchId:68525 AdId:22823 CustId:65 ------------------------------------------------------File No.: 20170925-10018853-0 FICTITIOUS BUSINESS NAME STATEMENT THE FOLLOWING PERSON(S) IS (ARE) DOING BUSINESS AS: 1.) PACIFIC COAST ATTORNEYS 2.) PACIFIC COAST ADOPTION ATTORNEYS 1069 Stoneshead Court, Westlake Village, CA 91361.

VENTURA COUNTY Full Name of Registrant: Karissa Marie Hurst Freano, 1069 Stoneshead Court, Westlake Village, CA 91361.

This Business is conducted by: An Individual.

The registrant commenced to transact

business under the fictitious business name or names listed above on 11/15/16.

I declare that all information in this statement is true and correct. (A registrant who declares information as true any material matter pursuant to Section 17913 of Business and Professions Code that the registrant knows to be false is guilty of a misdemeanor punishable by a fine not to exceed one thousand dollars ($1,000).) /S/ Karissa Marie Hurst Freano NOTICE - In accordance with subdivision (a) of Section 17920, a fictitious name statement generally expires at the end of five years from the date on which it was filed in the office of the county clerk, except, as provided in subdivision section 17920, where it expires 40 days after any change in the facts set forth in the statement pursuant to section 17913 other than a change in residence address or registered owner. A new fictitious business name statement must be filed before the expiration. The filing of this statement does not of itself authorize the use in this state of a fictitious business name in violation of the rights of another under Federal, State, or Common Law (see section 14411 ET SEQ., Business and Professions Code).

THIS STATEMENT WAS FILED WITH THE COUNTY CLERK OF VENTURA ON 09/25/2017.

MARK A. LUNN SchId:68531 AdId:22825 CustId:693 ------------------------------------------------------File No.: 20170919-10018548-0 FICTITIOUS BUSINESS NAME STATEMENT THE FOLLOWING PERSON(S) IS (ARE) DOING BUSINESS AS: 1.) DSS 2.) EDGE SOLUTIONS & CONSULTING, INC./DSS, 2801 Townsgate Road, #111, Westlake Village, CA 91361.

VENTURA COUNTY Full Name of Registrant EDGE SOLUTIONS & CONSULTING, INC., 2801 Townsgate Road, #111, Westlake Village, CA 91361.

This Business is conducted by: A Corporation.

The registrant commenced to transact business under the fictitious business name or names listed above on 12/12/07.

I declare that all information in this statement is true and correct. (A registrant who declares information as true any material matter pursuant to Section 17913 of Business and Professions Code that the registrant knows to be false is guilty of a misdemeanor punishable by a fine not to exceed one thousand dollars ($1,000).) /S/ Marti R. Hedge, President EDGE SOLUTIONS & CONSULTING, INC. NOTICE - In accordance with subdivision (a) of Section 17920, a fictitious name statement generally expires at the end of five years from the date on which it was filed in the office of the county clerk, except, as provided in subdivision section 17920, where it expires 40 days after any change in the facts set forth in the statement pursuant to section 17913 other than a change in residence address or registered owner. A new fictitious business name statement must be filed before the expiration. The filing of this statement does not of itself authorize the use in this state of a fictitious business name in violation of the rights of another under Federal, State, or Common Law (see section 14411 ET SEQ., Business and Professions Code).

THIS STATEMENT WAS FILED WITH THE COUNTY CLERK OF VENTURA ON 09/19/2017.

MARK A. LUNN SchId:68535 AdId:22826 CustId:693 ------------------------------------------------------File No.: 20170927-10019055-0 FICTITIOUS BUSINESS NAME STATEMENT THE FOLLOWING PERSON(S) IS (ARE) DOING BUSINESS AS: 1.) VIVID PEAK 2.) EXPRESS VIDEO PROS 3.) VIVID PEAK CREATIVE 4.) VIVID PEAK MEDIA 5.) AVIDOLOGY 220 SOUTHCREST PL., SIMI VALLEY, CA 93065.

VENTURA COUNTY Full Name of Registrant BRIAN MATHEW DAVIS, 220 Southcrest Pl., Simi Valley, CA 93065.

This Business is conducted by: An Individual.

The registrant commenced to transact business under the fictitious business name or names listed above on 10/01/2017.

I declare that all information in this statement is true and correct. (A registrant who declares information as true any material matter pursuant to Section 17913 of Business and Professions Code that the registrant knows to be false is guilty of a misdemeanor punishable by a fine not to exceed one thousand dollars ($1,000).) /S/ BRIAN MATHEW DAVIS NOTICE - In accordance with subdivision (a) of Section 17920, a fictitious name statement generally expires at the end of five years from the date on which it was filed in the office of the county clerk, except, as provided in subdivision section 17920, where it expires 40 days after any change in the facts set forth in the statement pursuant to section 17913 other than a change in residence address or registered owner. A new fictitious business name statement must be filed before the expiration. The filing of this statement does not of itself authorize the use in this state of a fictitious business name in violation of the rights of another under Federal, State, or Common Law (see section 14411 ET SEQ., Business and Professions Code).

THIS STATEMENT WAS FILED WITH THE COUNTY CLERK OF VENTURA ON 09/27/2017.

SchId:68545 AdId:22829 CustId:693 ------------------------------------------------------NOTICE OF PETITION TO ADMINISTER ESTATE OF: LANE TERRY WEITZMAN AKA LANE T. WEITZMAN AKA LANE WIETZMAN CASE NO. 56-2017-00502076-PRPWOXN To all heirs, beneficiaries, creditors, contingent creditors, and persons who may otherwise be interested in the lost WILL or estate, or both of LANE TERRY WEITZMAN AKA LANE T. WEITZMAN AKA LANE WIETZMAN. A PETITION FOR PROBATE has been filed by MARY WEITZMAN in the Superior Court of California, County of VENTURA. THE PETITION FOR PROBATE requests that MARY WEITZMAN be appointed as personal representative to administer the

estate of the decedent.

THE PETITION requests the decedent’s lost WILL and codicils, if any, be admitted to probate. The lost WILL and any codicils are available for examination in the file kept by the court.

THE PETITION requests authority to administer the estate under the Independent Administration of Estates Act . (This authority will allow the personal representative to take many actions without obtaining court approval. Before taking certain very important actions, however, the personal representative will be required to give notice to interested persons unless they have waived notice or consented to the proposed action.) The independent administration authority will be granted unless an interested person files an objection to the petition and shows good cause why the court should not grant the authority.

A HEARING on the petition will be held in this court as follows: 11/02/17 at 9:00AM in Dept. J6 located at 4353 E. VINEYARD AVENUE, OXNARD, CA 93036 IF YOU OBJECT to the granting of the petition, you should appear at the hearing and state your objections or file written objections with the court before the hearing.

Your appearance may be in person or by your attorney.

IF YOU ARE A CREDITOR or a contingent creditor of the decedent, you must file your claim with the court and mail a copy to the personal representative appointed by the court within the later of either (1) four months from the date of first issuance of letters to a general personal representative, as defined in section 58(b) of the California Probate Code, or (2) 60 days from the date of mailing or personal delivery to you of a notice under section 9052 of the California Probate Code.

Other California statutes and legal authority may affect your rights as a creditor.

You may want to consult with an attorney knowledgeable in California law.

YOU MAY EXAMINE the file kept by the court. If you are a person interested in the estate, you may file with the court a Request for Special Notice (form DE-154) of the filing of an inventory and appraisal of estate assets or of any petition or account as provided in Probate Code section 1250. A Request for Special Notice form is available from the court clerk.

Attorney for Petitioner J. PETER WAKEMAN, ESQ. WAKEMAN LAW GROUP, INC 4500 E THOUSAND OAKS BLVD #101 WESTLAKE VILLAGE CA 91362 10/6, 10/13, 10/20/17 CNS-3057599# TRICOUNTY SENTRY SchId:68557 AdId:22833 CustId:61 ------------------------------------------------------NOTICE OF PETITION TO ADMINISTER ESTATE OF DONALD MICHAEL CLARKE aka DONALD M. CLARKE aka DONALD CLARKE Case No. 56-2017-00502004-PR-PLOXN To all heirs, beneficiaries, creditors, contingent creditors, and persons who may otherwise be interested in the will or estate, or both, of DONALD MICHAEL CLARKE aka DONALD M. CLARKE aka DONALD CLARKE. A PETITION FOR PROBATE has been filed by JENNIFER L. ENG in the Superior Court of California, County of Ventura County.

THE PETITION FOR PROBATE requests that JENNIFER L. ENG be appointed as personal representative to administer the estate of the decedent.

THE PETITION requests the decedent’s will and codicils, if any, be admitted to probate. The will and any codicils are available for examination in the file kept by the court.

THE PETITION requests authority to administer the estate under the Independent Administration of Estates Act. (This authority will allow the personal representative to take many actions without obtaining court approval. Before taking certain very important actions, however, the personal representative will be required to give notice to interested persons unless they have waived notice or consented to the proposed action.) The independent administration authority will be granted unless an interested person files an objection to the petition and shows good cause why the court should not grant the authority.

A HEARING on the petition will be held on 11/8/2017 at 9:00 AM in J6 located at 4353 E. Vineyard Avenue, Oxnard, California 93036.

IF YOU OBJECT to the granting of the petition, you should appear at the hearing and state your objections or file written objections with the court before the hearing.

Your appearance may be in person or by your attorney.

IF YOU ARE A CREDITOR or a contingent creditor of the decedent, you must file your claim with the court and mail a copy to the personal representative appointed by the court within the later of either (1) four months from the date of first issuance of letters to a general personal representative, as defined in section 58(b) of the California Probate Code, or (2) 60 days from the date of mailing or personal delivery to you of a notice under section 9052 of the California Probate Code.

Other California statutes and legal authority may affect your rights as a creditor.

You may want to consult with an attorney knowledgeable in California law.

YOU MAY EXAMINE the file kept by the court. If you are a person interested in the estate, you may file with the court a Request for Special Notice (form DE-154) of the filing of an inventory and appraisal of estate assets or of any petition or account as provided in Probate Code section 1250. A Request for Special Notice form is available from the court clerk.

Michael M. Israel, Esq. NORMAN DOWLER, LLP 840 County Squae Drive, 3rd Floor Ventura, CA 93003 (805) 654-0911 SchId:68560 AdId:22834 CustId:697 ------------------------------------------------------NOTICE OF PETITION TO ADMINISTER ESTATE OF RICHARD MICHAEL DI ROMA Case No. 56-2017-00501898-PR-PWOXN To all heirs, beneficiaries, creditors, contingent creditors, and persons who may otherwise be interested in the will or estate, or both, of RICHARD MICHAEL DI ROMA. A PETITION FOR PROBATE has been filed by CAROL BOYD in the Superior Court of California, County of Ventura County.

THE PETITION FOR PROBATE requests that CAROL BOYD be appointed as personal representative to administer the estate of the decedent.

THE PETITION requests the decedent’s will and codicils, if any, be admitted to probate. The will and any codicils are available for examination in the file kept by

the court.

THE PETITION requests authority to administer the estate under the Independent Administration of Estates Act. (This authority will allow the personal representative to take many actions without obtaining court approval. Before taking certain very important actions, however, the personal representative will be required to give notice to interested persons unless they have waived notice or consented to the proposed action.) The independent administration authority will be granted unless an interested person files an objection to the petition and shows good cause why the court should not grant the authority.

A HEARING on the petition will be held on 11/2/2017 at 9:00 AM in J6 located at 4353 E. Vineyard Avenue, Oxnard, California 93036.

IF YOU OBJECT to the granting of the petition, you should appear at the hearing and state your objections or file written objections with the court before the hearing.

Your appearance may be in person or by your attorney.

IF YOU ARE A CREDITOR or a contingent creditor of the decedent, you must file your claim with the court and mail a copy to the personal representative appointed by the court within the later of either (1) four months from the date of first issuance of letters to a general personal representative, as defined in section 58(b) of the California Probate Code, or (2) 60 days from the date of mailing or personal delivery to you of a notice under section 9052 of the California Probate Code.

Other California statutes and legal authority may affect your rights as a creditor.

You may want to consult with an attorney knowledgeable in California law.

YOU MAY EXAMINE the file kept by the court. If you are a person interested in the estate, you may file with the court a Request for Special Notice (form DE-154) of the filing of an inventory and appraisal of estate assets or of any petition or account as provided in Probate Code section 1250. A Request for Special Notice form is available from the court clerk.

Theresa L. McConville Law Office of Theresa L. McConville 340 Rosewood Ave., Suite R Camarillo, CA 93010 (805) 484-0514 SchId:68563 AdId:22835 CustId:696 ------------------------------------------------------T.S. No. 041103-CA APN: 526-0-100470 NOTICE OF TRUSTEE’S SALE IMPORTANT NOTICE TO PROPERTY OWNER: YOU ARE IN DEFAULT UNDER A DEED OF TRUST, DATED 6/27/2005.

UNLESS YOU TAKE ACTION TO PROTECT YOUR PROPERTY, IT MAY BE SOLD AT A PUBLIC SALE. IF YOU NEED AN EXPLANATION OF THE NATURE OF THE PROCEEDING AGAINST YOU, YOU SHOULD CONTACT A LAWYER On 11/1/2017 at 11:00 AM, CLEAR RECON CORP., as duly appointed trustee under and pursuant to Deed of Trust recorded 7/12/2005, as Instrument No. 200507120169640, of Official Records in the office of the County Recorder of Ventura County, State of CALIFORNIA executed by: ATANACIO GARCIA, A SINGLE MAN WILL SELL AT PUBLIC AUCTION TO HIGHEST BIDDER FOR CASH, CASHIER’S CHECK DRAWN ON A STATE OR NATIONAL BANK, A CHECK DRAWN BY A STATE OR FEDERAL CREDIT UNION, OR A CHECK DRAWN BY A STATE OR FEDERAL SAVINGS AND LOAN ASSOCIATION, SAVINGS ASSOCIATION, OR SAVINGS BANK SPECIFIED IN SECTION 5102 OF THE FINANCIAL CODE AND AUTHORIZED TO DO BUSINESS IN THIS STATE: AT THE MAIN FRONT ENTRANCE TO THE COUNTY GOVERNMENT CENTER HALL OF JUSTICE LOCATED AT 800 S. VICTORIA AVE., VENTURA, CA 93003 all right, title and interest conveyed to and now held by it under said Deed of Trust in the property situated in said County and State described as: MORE FULLY DESCRIBED ON SAID DEED OF TRUST The street address and other common designation, if any, of the real property described above is purported to be: 656 AVENIDA DEL PLATINO NEWBURY PARK, CA 91320 The undersigned Trustee disclaims any liability for any incorrectness of the street address and other common designation, if any, shown herein. Said sale will be held, but without covenant or warranty, express or implied, regarding title, possession, condition, or encumbrances, including fees, charges and expenses of the Trustee and of the trusts created by said Deed of Trust, to pay the remaining principal sums of the note(s) secured by said Deed of Trust. The total amount of the unpaid balance of the obligation secured by the property to be sold and reasonable estimated costs, expenses and advances at the time of the initial publication of the Notice of Sale is: $206,328.68 If the Trustee is unable to convey title for any reason, the successful bidder’s sole and exclusive remedy shall be the return of monies paid to the Trustee, and the successful bidder shall have no further recourse. The beneficiary under said Deed of Trust heretofore executed and delivered to the undersigned a written Declaration of Default and Demand for Sale, and a written Notice of Default and Election to Sell. The undersigned caused said Notice of Default and Election to Sell to be recorded in the county where the real property is located.

NOTICE TO POTENTIAL BIDDERS: If you are considering bidding on this property lien, you should understand that there are risks involved in bidding at a trustee auction. You will be bidding on a lien, not on the property itself. Placing the highest bid at a trustee auction does not automatically entitle you to free and clear ownership of the property.

You should also be aware that the lien being auctioned off may be a junior lien. If you are the highest bidder at the auction, you are or may be responsible for paying off all liens senior to the lien being auctioned off, before you can receive clear title to the property. You are encouraged to investigate the existence, priority, and size of outstanding liens that may exist on this property by contacting the county recorder’s office or a title insurance company, either of which may charge you a fee for this information. If you consult either of these resources, you should be aware that the same lender may hold more than one mortgage or deed of trust on the property.

NOTICE TO PROPERTY OWNER: The sale date shown on this notice of sale may be postponed one or more times by the mortgagee, beneficiary, trustee, or a court, pursuant to Section 2924g of the California Civil Code. The law requires that information about trustee sale postponements be made available to you and to the public, as a courtesy to those not present at the sale.

If you wish to learn whether your sale date has been postponed, and, if applicable, the rescheduled time and date for the sale of this property, you may call (844) 4777869 or visit this Internet Web site WWW. STOXPOSTING.COM, using the file number

12

TRI-COUNTY SENTRY, OCTOBER 6, 2017

LEGAL assigned to this case 041103-CA. Information about postponements that are very short in duration or that occur close in time to the scheduled sale may not immediately be reflected in the telephone information or on the Internet Web site. The best way to verify postponement information is to attend the scheduled sale. FOR SALES INFORMATION: (844) 477-7869 CLEAR RECON CORP. 4375 Jutland Drive San Diego, California 92117 SchId:68569 AdId:22837 CustId:670 ------------------------------------------------------------------NOTICE OF PETITION TO ADMINISTER ESTATE OF: LINDA FRANCES RUDKIN CASE NO. 56-2017-00501829-PRLAOXN To all heirs, beneficiaries, creditors, contingent creditors, and persons who may otherwise be interested in the WILL or estate, or both of LINDA FRANCES RUDKIN. A PETITION FOR PROBATE has been filed by RONALD D. RUDKIN AND DONALD R. RUDKIN in the Superior Court of California, County of VENTURA. THE PETITION FOR PROBATE requests that RONALD D. RUDKIN AND DONALD R. RUDKIN be appointed as personal representative to administer the estate of the decedent.

THE PETITION requests authority to administer the estate under the Independent Administration of Estates Act . (This authority will allow the personal representative to take many actions without obtaining court approval. Before taking certain very important actions, however, the personal representative will be required to give notice to interested persons unless they have waived notice or consented to the proposed action.) The independent administration authority will be granted unless an interested person files an objection to the petition and shows good cause why the court should not grant the authority.

A HEARING on the petition will be held in this court as follows: 11/08/17 at 9:00AM in Dept. J6 located at 4353 VINEYARD AVENUE, OXNARD, CA 93036 IF YOU OBJECT to the granting of the petition, you should appear at the hearing and state your objections or file written objections with the court before the hearing. Your appearance may be in person or by your attorney.

IF YOU ARE A CREDITOR or a contingent creditor of the decedent, you must file your claim with the court and mail a copy to the personal representative appointed by the court within the later of either (1) four months from the date of first issuance of letters to a general personal representative, as defined in section 58(b) of the California Probate Code, or (2) 60 days from the date of mailing or personal delivery to you of a notice under section 9052 of the California Probate Code.

Other California statutes and legal authority may affect your rights as a creditor. You may want to consult with an attorney knowledgeable in California law.

YOU MAY EXAMINE the file kept by the court. If you are a person interested in the estate, you may file with the court a Request for Special Notice (form DE-154) of the filing of an inventory and appraisal of estate assets or of any petition or account as provided in Probate Code section 1250. A Request for Special Notice form is available from the court clerk.

Attorney for Petitioner ROBERT D. ROSSO - SBN 72445 ROBERT D. ROSSO, APC 141 DUESENBERG DR #15A WESTLAKE VILLAGE CA 91362 10/6, 10/13, 10/20/17 CNS-3056906# TRICOUNTY SENTRY SchId:68572 AdId:22838 CustId:61 ------------------------------------------------------------------NOTICE OF TRUSTEE’S SALE TS No. CA-16757056-AB Order No.: 730-1612907-70 NOTE: THERE IS A SUMMARY OF THE INFORMATION IN THIS DOCUMENT ATTACHED TO THE COPY PROVI DED TO THE MORTGAGOR OR TRUSTOR (Pursuant to Cal. Civ. Code 2923.3) YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED 7/21/2006. UNLESS YOU TAKE ACTION TO PROTECT YOUR PROPERTY, IT MAY BE SOLD AT A PUBLIC SALE. IF YOU NEED AN EXPLANATION OF THE NATURE OF THE PROCEEDING AGAINST YOU, YOU SHOULD CONTACT A LAWYER. A public auction sale to the highest bidder for cash, cashier’s check drawn on a state or national bank, check drawn by state or federal credit union, or a check drawn by a state or federal savings and loan association, or savings association, or savings bank specified in Section 5102 to the Financial C ode and authorized to do business in this state, will be held by duly appointed trustee. The sale will be made, but without covenant or warranty, expressed or implied, regarding title, possession, or encumbrances, to pay the remaining principal sum of the note(s) secured by the Deed of Trust, with interest and late charges thereon, as provided in the note(s), advances, under the terms

of the Deed of Trust, interest thereon, fees, charges and expenses of the Trustee for the total amount (at the time of the initial publication of the Notice of Sale) reasonably estimated to be set forth below.

The amount may be greater on the day of sale.

BENEFICIARY MAY ELECT TO BID LESS THAN THE TOTAL AMOUNT DUE. Trustor (s): Renan Verdugo, a married man as his sole and separate property Recorded: 8/11/2006 as Instrument No. 20060811-0169118 of Official Records in the office of the Recorder of VENTURA County, California; Date of Sale: 10/31/2017 at 11:00 AM Place of Sale: At the main entrance to the Government Center Hall of Justice, 800 South Victoria Avenue, Ventura, CA 93003 Amount of unpaid balance and other charges: $639,770.00 The purported property address is: 5304 KATHERINE STREET, SIMI VALLEY, CA 93063-4559 Legal Description: Please be advised that the legal description set forth on the Deed of Trust is in error. The legal description of the property secured by the Deed of Trust is more properly set forth and made part of Exhibit “A” as attached hereto. Lot 54 of Tract No. 1560-1, in the City of Simi Valley, County of Ventura, State of California, as per Map recorded in Book 40, Pages 43 to 49 and amended in Book 45, Page 18, inclusive of Maps, in the Office of the County Recorder of said County.

Assessor’s Parcel No.: 651-0-033-135 NOTICE TO POTENTIAL BIDDERS: If you are considering bidding on this property lien, you should understand that there are risks involved in bidding at a trustee auction. You will be bidding on a lien, not on the property itself. Placing the highest bid at a trustee auction does not automatically entitle you to free and clear ownership of the property. You should also be aware that the lien being auctioned off may be a junior lien. If you are the highest bidder at the auction, you are or may be responsible for paying off all liens senior to the lien being auctioned off, before you can receive clear title to the property. You are encouraged to investigate the existence, priority, and size of outstanding liens that may exist on this property by contacting the county recorder’s office or a title insurance company, either of which may charge you a fee for this information. If you consult either of these resources, you should be aware that the same lender may hold more than one mortgage or deed of trust on the property. NOTICE TO PROPERTY OWNER: The sale date shown on this notice of sale may be postponed one or more times by the mortgagee, beneficiary, trustee, or a court, pursuant to Section 2924g of the California Civil Code. The law requires that information about trustee sale postponements be made available to you and to the public, as a courtesy to those not present at the sale. If you wish to learn whether your sa le date has been postponed, and, if applicable, the rescheduled time and date for the sale of this property, you may call 855 238-5118 for information regarding the trustee’s sale or visit this Internet Web site http://www.qualityloan.com , using the file number assigned to this foreclosure by the Trustee: CA-16-757056-AB . Information about postponements that are very short in duration or that occur close in time to the scheduled sale may not immediately be reflected in the telephone information or on the Internet Web site. The best way to verify postponement information is to attend the scheduled sale. The undersigned Trustee disclaims any liability for any incorrectness of the property address or other common designation, if any, shown herein. If no street address or other common designation is shown, directions to the location of the property may be obtained by sending a written request to the beneficiary within 10 days of the date of first publication of this Notice of Sale. If the sale is set aside for any reason, including if the Trustee is unable to convey title, the Purchaser at the sale shall be entitled only to a return o f the monies paid to the Trustee. This shall be the Purchaser’s sole and exclusive remedy. The purchaser shall have no further recourse against the Trustor, the Trustee, the Beneficiary, the Beneficiary’s Agent, or the Beneficiary’s Attorney. If you have previously been discharged through bankruptcy, you may have been released of personal liability for this loan in which case this letter is intended to exercise the note holders right’s against the real property only. QUALITY MAY BE CONSIDERED A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Date: Quality Loan Service Corporation 411 Ivy Street San Diego, CA 92101 619-645-7711 For NON SALE information only Sale Line: 855 238-5118 O r Login to: http:// www.qualityloan.com Reinstatement Line: (866) 6457711 Ext 5318 Quality Loan Service Corp. TS No.: CA-16-757056-AB IDSPub #0132179 10/6/2017 10/13/2017 10/20/2017 SchId:68575 AdId:22839 CustId:608 ------------------------------------------------------------------NOTICE OF TRUSTEE’S SALE TS No. CA-16757056-AB Order No.: 730-1612907-70 NOTE: THERE IS A SUMMARY OF THE INFORMATION IN THIS DOCUMENT ATTACHED TO THE COPY PROVI DED TO THE MORTGAGOR OR TRUSTOR (Pursuant to Cal. Civ. Code 2923.3)

YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED 7/21/2006. UNLESS YOU TAKE ACTION TO PROTECT YOUR PROPERTY, IT MAY BE SOLD AT A PUBLIC SALE. IF YOU NEED AN EXPLANATION OF THE NATURE OF THE PROCEEDING AGAINST YOU, YOU SHOULD CONTACT A LAWYER. A public auction sale to the highest bidder for cash, cashier’s check drawn on a state or national bank, check drawn by state or federal credit union, or a check drawn by a state or federal savings and loan association, or savings association, or savings bank specified in Section 5102 to the Financial C ode and authorized to do business in this state, will be held by duly appointed trustee. The sale will be made, but without covenant or warranty, expressed or implied, regarding title, possession, or encumbrances, to pay the remaining principal sum of the note(s) secured by the Deed of Trust, with interest and late charges thereon, as provided in the note(s), advances, under the terms of the Deed of Trust, interest thereon, fees, charges and expenses of the Trustee for the total amount (at the time of the initial publication of the Notice of Sale) reasonably estimated to be set forth below.

The amount may be greater on the day of sale.

BENEFICIARY MAY ELECT TO BID LESS THAN THE TOTAL AMOUNT DUE. Trustor(s): Renan Verdugo, a married man as his sole and separate property Recorded: 8/11/2006 as Instrument No. 20060811-0169118 of Official Records in the office of the Recorder of VENTURA County, California; Date of Sale: 10/31/2017 at 11:00 AM Place of Sale: At the main entrance to the Government Center Hall of Justice, 800 South Victoria Avenue, Ventura, CA 93003 Amount of unpaid balance and other charges: $639,770.00 The purported property address is: 5304 KATHERINE STREET, SIMI VALLEY, CA 93063-4559 Assessor’s Parcel No.: 651-0-033-135 NOTICE TO POTENTIAL BIDDERS: If you are considering bidding on this property lien, you should understand that there are risks involved in bidding at a trustee auction. You will be bidding on a lien, not on the property itself. Placing the highest bid at a trustee auction does not automatically entitle you to free and clear ownership of the property. You should also be aware that the lien being auctioned off may be a junior lien. If you are the highest bidder at the auction, you are or may be responsible for paying off all liens senior to the lien being auctioned off, before you can receive clear title to the property. You are encouraged to investigate the existence, priority, and size of outstanding liens that may exist on this property by contacting the county recorder’s office or a title insurance company, either of which may charge you a fee for this information. If you consult either of these resources, you should be aware that the same lender may hold more than one mortgage or deed of trust on the property. NOTICE TO PROPERTY OWNER: The sale date shown on this notice of sale may be postponed one or more times by the mortgagee, beneficiary, trustee, or a court, pursuant to Section 2924g of the California Civil Code. The law requires that information about trustee sale postponements be made available to you and to the public, as a courtesy to those not present at the sale. If you wish to learn whether your sa le date has been postponed, and, if applicable, the rescheduled time and date for the sale of this property, you may call 855 238-5118 for information regarding the trustee’s sale or visit this Internet Web site http://www.qualityloan.com , using the file number assigned to this foreclosure by the Trustee: CA-16-757056-AB . Information about postponements that are very short in duration or that occur close in time to the scheduled sale may not immediately be reflected in the telephone information or on the Internet Web site. The best way to verify postponement information is to attend the scheduled sale. The undersigned Trustee disclaims any liability for any incorrectness of the property address or other common designation, if any, shown herein. If no street address or other common designation is shown, directions to the location of the property may be obtained by sending a written request to the beneficiary within 10 days of the date of first publication of this Notice of Sale. If the sale is set aside for any reason, including if the Trustee is unable to convey title, the Purchaser at the sale shall be entitled only to a return o f the monies paid to the Trustee. This shall be the Purchaser’s sole and exclusive remedy. The purchaser shall have no further recourse against the Trustor, the Trustee, the Beneficiary, the Beneficiary’s Agent, or the Beneficiary’s Attorney. If you have previously been discharged through bankruptcy, you may have been released of personal liability for this loan in which case this letter is intended to exercise the note holders right’s against the real property only. QUALITY MAY BE CONSIDERED A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Date: Quality Loan Service Corporation 411 Ivy Street San Diego, CA 92101 619-645-7711 For NON SALE information only Sale Line: 855 238-5118 O r Login to: http:// www.qualityloan.com Reinstatement Line: (866) 6457711 Ext 5318 Quality Loan Service Corp. TS No.: CA-16-757056-AB IDSPub #0132179 10/6/2017 10/13/2017 10/20/2017

SchId:68588 AdId:22844 CustId:608 ------------------------------------------------------------------NOTICE OF TRUSTEE’S SALE TS No. CA-16710418-RY Order No.: 160113121-CAVOI NOTE: THERE IS A SUMMARY OF THE INFORMATION IN THIS DOCUMENT ATTACHED TO THE COPY PROVI DED TO THE MORTGAGOR OR TRUSTOR (Pursuant to Cal. Civ. Code 2923.3) YOU ARE IN DEFAULT UNDER A DEED OF TRUST DATED 8/4/2005. UNLESS YOU TAKE ACTION TO PROTECT YOUR PROPERTY, IT MAY BE SOLD AT A PUBLIC SALE. IF YOU NEED AN EXPLANATION OF THE NATURE OF THE PROCEEDING AGAINST YOU, YOU SHOULD CONTACT A LAWYER. A public auction sale to the highest bidder for cash, cashier’s check drawn on a state or national bank, check drawn by state or federal credit union, or a check drawn by a state or federal savings and loan association, or savings association, or savings bank specified in Section 5102 to the Financial C ode and authorized to do business in this state, will be held by duly appointed trustee. The sale will be made, but without covenant or warranty, expressed or implied, regarding title, possession, or encumbrances, to pay the remaining principal sum of the note(s) secured by the Deed of Trust, with interest and late charges thereon, as provided in the note(s), advances, under the terms of the Deed of Trust, interest thereon, fees, charges and expenses of the Trustee for the total amount (at the time of the initial publication of the Notice of Sale) reasonably estimated to be set forth below.

The amount may be greater on the day of sale.

BENEFICIARY MAY ELECT TO BID LESS THAN THE TOTAL AMOUNT DUE. Trustor(s): JUAN ESPINOZA QUIROZ AND CATALINA ALVAREZ QUIROZ, HUSBAND AND WIFE, AS JOINT TENANTS Recorded: 8/11/2005 as Instrument No. 20050811-0198449 of Official Records in the office of the Recorder of VENTURA County, California; Date of Sale: 10/31/2017 at 11:00AM Place of Sale: At the main entrance to the Government Center Hall of Justice, 800 South Victoria Avenue, Ventura, CA 93009 Amount of unpaid balance and other charges: $758,025.40 The purported property address is: 2510 BRIARHURST COURT, SIMI VALLEY, CA 93063 Assessor’s Parcel No.: 611-0-193-045 NOTICE TO POTENTIAL BIDDERS: If you are considering bidding on this property lien, you should understand that there are risks involved in bidding at a trustee auction. You will be bidding on a lien, not on the property itself. Placing the highest bid at a trustee auction does not automatically entitle you to free and clear ownership of the property. You should also be aware that the lien being auctioned off may be a junior lien. If you are the highest bidder at the auction, you are or may be responsible for paying off all liens senior to the lien being auctioned off, before you can receive clear title to the property. You are encouraged to investigate the existence, priority, and size of outstanding liens that may exist on this property by contacting the county recorder’s office or a title insurance company, either of which may charge you a fee for this information. If you consult either of these resources, you should be aware that the same lender may hold more than one mortgage or deed of trust on the property. NOTICE TO PROPERTY OWNER: The sale date shown on this notice of sale may be postponed one or more times by the mortgagee, beneficiary, trustee, or a court, pursuant to Section 2924g of the California Civil Code. The law requires that information about trustee sale postponements be made available to you and to the public, as a courtesy to those not present at the sale. If you wish to learn whether your sa le date has been postponed, and, if applicable, the rescheduled time and date for the sale of this property, you may call 916-939-0772 for information regarding the trustee’s sale or visit this Internet Web site http://www.qualityloan.com , using the file number assigned to this foreclosure by the Trustee: CA-16-710418-RY . Information about postponements that are very short in duration or that occur close in time to the scheduled sale may not immediately be reflected in the telephone information or on the Internet Web site. The best way to verify postponement information is to attend the scheduled sale. The undersigned Trustee disclaims any liability for any incorrectness of the property address or other common designation, if any, shown herein. If no street address or other common designation is shown, directions to the location of the property may be obtained by sending a written request to the beneficiary within 10 days of the date of first publication of this Notice of Sale. If the sale is set aside for any reason, including if the Trustee is unable to convey title, the Purchaser at the sale shall be entitled only to a return o f the monies paid to the Trustee. This shall be the Purchaser’s sole and exclusive remedy. The purchaser shall have no further recourse against the Trustor, the Trustee, the Beneficiary, the Beneficiary’s Agent, or the Beneficiary’s Attorney. If you have previously been discharged through bankruptcy, you may have been released of personal liability for this loan in which case this letter is intended to exercise the note holders right’s against the real property

only. QUALITY MAY BE CONSIDERED A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Date: Quality Loan Service Corporation 411 Ivy Street San Diego, CA 92101 619-645-7711 For NON SALE information only Sale Line: 916-939-0772 O r Login to: http:// www.qualityloan.com Reinstatement Line: (866) 6457711 Ext 5318 Quality Loan Service Corp. TS No.: CA-16-710418-RY IDSPub #0132063 10/6/2017 10/13/2017 10/20/2017 SchId:68603 AdId:22849 CustId:608 ------------------------------------------------------------------FILE NO. 20170929-10019229-0 FICTITIOUS BUSINESS NAME STATEMENT THE FOLLOWING PERSON(S) IS (ARE) DOING BUSINESS AS: ROYAL INDUSTRIAL SOLUTION, 1807 PALMA DRIVE, VENTURA CA 93003 county of: VENTURA. The full name of registrant(s) is/are: CONSOLIDATED ELECTRICAL DISTRIBUTORS, INC (DELAWARE), 1920 WESTRIDGE DRIVE, IRVING TX 75038. This Business is being conducted by a/an: CORPORATION. The registrant commenced to transact business under the fictitious business name/names listed above on: N/A. I declare that all the information in this statement is true and correct. (A registrant who declares information as true any material matter pursuant to Section 17913 of the Business and Professions Code that the registrant knows to be false is guilty of a misdemeanor punishable by a fine not to exceed one thousand dollars 1,000.) /s/ CONSOLIDATED ELECTRICAL DISTRIBUTORS, INC BY: DAVID T. BRADFORD, V.P./SECRETARY This statement was filed with the County Clerk of VENTURA County on 09/29/17 indicated by file stamp above.

NoticeIn accordance with Subdivision (a) of Section 17920, a fictitious name statement generally expires at the end of five years from the date on which it was filed in the office of the County Clerk, except, as provided in Subdivision (b) of Section 17920, where it expires 40 days after any change in the facts set forth in the statement pursuant to Section 17913 other than a change in the residence address of a registered owner. A new fictitious business name statement must be filed before the expiration. The filing of this statement does not of itself authorize the use in this state of a fictitious business name in violation of the rights of another under federal, state, o common law (see Section 14411 et seq, Business and Professions Code) LA1889470 TRICOUNTY SENTRY 10/6,13,20,27 2017 SchId:68606 AdId:22850 CustId:628 ------------------------------------------------------------------File No.: 20171002-10019320-0 FICTITIOUS BUSINESS NAME STATEMENT THE FOLLOWING PERSON(S) IS (ARE) DOING BUSINESS AS: 1.) BETHLEHEM CONSTRUCTION 1092 Drexel Circle, Thousand Oaks, CA 91360 VENTURA COUNTY Full Name of Registrant DAVID TIEDJE, 1092 Drexel Circle, Thousand Oaks, CA 91360.

This Business is conducted by: An Individual.

The registrant commenced to transact business under the fictitious business name or names listed above on 11/20/2003.

I declare that all information in this statement is true and correct. (A registrant who declares information as true any material matter pursuant to Section 17913 of Business and Professions Code that the registrant knows to be false is guilty of a misdemeanor punishable by a fine not to exceed one thousand dollars ($1,000).) /S/David Tiedje NOTICE - In accordance with subdivision (a) of Section 17920, a fictitious name statement generally expires at the end of five years from the date on which it was filed in the office of the county clerk, except, as provided in subdivision section 17920, where it expires 40 days after any change in the facts set forth in the statement pursuant to section 17913 other than a change in residence address or registered owner. A new fictitious business name statement must be filed before the expiration. The filing of this statement does not of itself authorize the use in this state of a fictitious business name in violation of the rights of another under Federal, State, or Common Law (see section 14411 ET SEQ., Business and Professions Code).

THIS STATEMENT WAS FILED WITH THE COUNTY CLERK OF VENTURA ON OCTOBER 2, 2017.

MARK A. LUNN SchId:68613 AdId:22852 CustId:693 ------------------------------------------------------------------File No.: 20170912-10018020-0 FICTITIOUS BUSINESS NAME STATEMENT

THE FOLLOWING PERSON(S) IS (ARE) DOING BUSINESS AS: 1.) TAKE IT EASY NETWORK, 1284 Sagamore Lane, Ventura, CA 93001 VENTURA COUNTY Full Name of Registrant CLAY DAWSON, 1284 Sagamore Lane, Ventura, CA 93001.

This Business is conducted by: An Individual.

The registrant commenced to transact business under the fictitious business name or names listed above on N/A. I declare that all information in this statement is true and correct. (A registrant who declares information as true any material matter pursuant to Section 17913 of Business and Professions Code that the registrant knows to be false is guilty of a misdemeanor punishable by a fine not to exceed one thousand dollars ($1,000).) /S/Clay Dawson NOTICE - In accordance with subdivision (a) of Section 17920, a fictitious name statement generally expires at the end of five years from the date on which it was filed in the office of the county clerk, except, as provided in subdivision section 17920, where it expires 40 days after any change in the facts set forth in the statement pursuant to section 17913 other than a change in residence address or registered owner. A new fictitious business name statement must be filed before the expiration. The filing of this statement does not of itself authorize the use in this state of a fictitious business name in violation of the rights of another under Federal, State, or Common Law (see section 14411 ET SEQ., Business and Professions Code).

THIS STATEMENT WAS FILED WITH THE COUNTY CLERK OF VENTURA ON SEPTEMBER 12, 2017.

MARK A. LUNN SchId:68617 AdId:22853 CustId:693 ------------------------------------------------------------------SUMMONS CASE NO. 56-2017-00494423-CL-PO-VTA NOTICE TO DEFENDANT): MARTHA P. VELASQUEZ ALCANTAR, ARMAN BARRON ALMAGUER; and DOES 1 to 20 YOU ARE BEING SUED BY PLAINTIFF: ELIZABETH ROMAN NOTICE! You have been sued. The court may decide against you without your being heard unless you respond within 30 days. Read the information below.

You have 30 CALENDAR DAYS after this summons and legal papers are served on you to file a written response at this court and have a copy served on the plaintiff. A letter or phone call will not protect you. Your written response must be in proper legal form if you want the court to hear your case.

There may be a court form that you can use for your response. You can find these court forms and more information at the California Courts Online SelfHelp Center (www. courtinfo.ca.gov/selfhelp), your county law library or the courthouse nearest you. If you cannot pay the filing fee, ask the court clerk for a fee waiver form. If you do not file your response on time, you may lose the case by default, and your wages, money and property may be taken without further warning from the court.

There are other legal requirements. You may want to call an attorney right away. If you do not know an attorney, you may want to call an attorney referral service. If you cannot afford an attorney, you may be eligible for free legal services from a nonprofit legal services program. You can locate these nonprofit groups at the California Legal Services Web site (www.lawhelp california.org) the California Courts Online SelfHelp Center (www. courtinfo.ca.gov/ selfhelp), or by contacting your local court or county bar association. NOTE: The court has a statutory lien for waived fees and costs on any settlement or arbitration award of $10,000 or more in a civil case.

The court’s lien must be paid before the court will dismiss the case.

The name and address of the court is: Superior Court of Ventura County, 800 South Victoria Ave., Ventura, CA 93009.

The name, address and telephone number of plaintiff’s attorney or plaintiff without an attorney, is: Emmanuel F. Fobi (SBN 210764), Law Office of Emmanuel F. Fobi, 309 S. A Street, Oxnard, CA 93030.

Date: March 24, 2017 Michael D. Planet, Clerk Susanne Leon, Deputy STATEMENT OF DAMAGES Personal Injury or Wrongful Death To Defendant: MARTHA P. VELASQUEZ ALCANTAR, ARMAN BARRON ALMAGUER; and DOES 1 to 20 Plaintiff: ELIZABETH ROMAN, seeks damages in the abovereferenced action as follows: 1. Pain, Suffering and inconvenience $50,000.00 2. Medical Expenses $ 12,000.00 Dated: June 1, 2017 EMMANUEL F. FOBI, SBN 210764 SchId:68621 AdId:22854 CustId:698

NOTICE OF PUBLIC HEARING

NOTICE OF PUBLIC HEARING

BY THE CITY COUNCIL OF THE CITY OF PORT HUENEME TO CONSIDER APPROVAL OF DEVELOPMENT PERMIT/CONDITIONAL USE PERMIT PHCU-836 AND DEVELOPMENT AGREEMENT PHDA-837, TO OPERATE A MEDICINAL CANNABIS DISPENSARY, LOCATED AT 501 W. CHANNEL ISLANDS BOULEVARD, SUITES #302-303

BY THE CITY COUNCIL OF THE CITY OF PORT HUENEME TO CONSIDER APPROVAL OF DEVELOPMENT PERMIT/CONDITIONAL USE PERMIT PHCU-834 AND DEVELOPMENT AGREEMENT PHDA-835, TO OPERATE A MEDICINAL CANNABIS DISPENSARY, LOCATED AT 2675 N. VENTURA ROAD, SUITES #103-104

NOTICE IS HEREBY GIVEN that a public hearing will be held by the City Council of the City of Port Hueneme to consider applications by Paul Watson and Beth Thuna on behalf of Hueneme Patient Consumer Co-op (“HPCC”), 567 W. Channel Islands Blvd., #125, Port Hueneme, CA 93041, for a Development Permit/Conditional Use Permit and a Development Agreement. The Conditional Use Permit would allow the operation of a medicinal cannabis dispensary with ancillary delivery service at 501 W. Channel Islands Boulevard, Suites #302 and 303. No changes are proposed to the project site nor the building exterior in conjunction with this application. The Development Agreement will regulate the operation of a medical marijuana dispensary by HPCC, and will set forth certain rights and obligations of both parties relating thereto, including the right of the City to receive certain revenues.

The Development Agreement requires that the facility be operated in accordance with all applicable laws of the State of California and all applicable ordinances of the City. The Development Agreement requires that HPCC’s compliance with the Development Agreement, including payment of the City’s revenues, be reviewed on an annual basis. If HPCC is found by the City not to be in compliance with the Development Agreement, a variety of remedies are available to the City, up to and including revoking HPCC’s right to operate the cannabis facility.

NOTICE IS HEREBY GIVEN that a public hearing will be held by the City Council of the City of Port Hueneme to consider applications by Robert Tatum on behalf of Freedom 1st Association (“FFA”), 5135 W. Wooley Rd., #2, Oxnard, CA 93035, for a Development Permit/Conditional Use Permit and a Development Agreement. The Conditional Use Permit would allow the operation of a medicinal cannabis dispensary with ancillary delivery service at 2675 N. Ventura Road, Suites #103 and 104. No changes are proposed to the project site nor the building exterior in conjunction with this application. The Development Agreement will regulate the operation of a medical marijuana dispensary by FFA, and will set forth certain rights and obligations of both parties relating thereto, including the right of the City to receive certain revenues. The Development Agreement requires that the facility be operated in accordance with all applicable laws of the State of California and all applicable ordinances of the City. The Development Agreement requires that FFA’s compliance with the Development Agreement, including payment of the City’s revenues, be reviewed on an annual basis. If FFA is found by the City not to be in compliance with the Development Agreement, a variety of remedies are available to the City, up to and including revoking FFA’s right to operate the cannabis facility.

SAID PUBLIC HEARING will be held on October 16, 2017, at 6:30 p.m., or as soon as possible thereafter, in the City Council Chambers, 250 North Ventura Road, Port Hueneme, at which time any person is privileged to attend & be heard on this matter.

ENVIRONMENTAL REVIEW: Categorically Exempt from the California Environmental Quality Act (CEQA) by operation of Section 15301 of the State CEQA Guidelines (Class 1 consists of the operation, repair, maintenance, permitting, leasing, licensing, or minor alteration of existing public or private structures, facilities, mechanical equipment, or topographical features, involving negligible or no expansion of use beyond that existing at the time of the lead agency‘s determination).

ADDITIONAL INFORMATION on this project may be obtained by contacting the Department of Community Development, City of Port Hueneme, 250 North Ventura Road, California 93041, telephone (805) 986-6500. Be advised, if you challenge the actions taken on the project described in this Notice in court, you may be limited to raising only those issues you or someone else raised at the public hearing described in this Notice, or in written correspondence delivered to the Department of Community Development of the City of Port Hueneme at, or prior to, the public hearing.

In compliance with the Americans With Disabilities Act, if you need special assistance to participate at this meeting, please contact the office of the City Clerk, at (805) 986-6501, or the California TDD Relay Service, at (800) 585-1800. Notification at least 48 hours prior to the meeting will enable the City to make reasonable arrangements to allow participation.

The City welcomes any written comments regarding this project. s/Tony Stewart, AICP Deputy Community Development Director Dated: ,October 4, 2017 Michele Kostenuik Publish: Tri County Sentry, October 6, 2017

SAID PUBLIC HEARING will be held on October 16, 2017, at 6:30 p.m., or as soon as possible thereafter, in the City Council Chambers, 250 North Ventura Road, Port Hueneme, at which time any person is privileged to attend & be heard on this matter.

ENVIRONMENTAL REVIEW: Categorically Exempt from the California Environmental Quality Act (CEQA) by operation of Section 15301 of the State CEQA Guidelines (Class 1 consists of the operation, repair, maintenance, permitting, leasing, licensing, or minor alteration of existing public or private structures, facilities, mechanical equipment, or topographical features, involving negligible or no expansion of use beyond that existing at the time of the lead agency‘s determination).

ADDITIONAL INFORMATION on this project may be obtained by contacting the Department of Community Development, City of Port Hueneme, 250 North Ventura Road, California 93041, telephone (805) 986-6500. Be advised, if you challenge the actions taken on the project described in this Notice in court, you may be limited to raising only those issues you or someone else raised at the public hearing described in this Notice, or in written correspondence delivered to the Department of Community Development of the City of Port Hueneme at, or prior to, the public hearing.

In compliance with the Americans With Disabilities Act, if you need special assistance to participate at this meeting, please contact the office of the City Clerk, at (805) 986-6501, or the California TDD Relay Service, at (800) 585-1800. Notification at least 48 hours prior to the meeting will enable the City to make reasonable arrangements to allow participation.

The City welcomes any written comments regarding this project. s/Tony Stewart, AICP Deputy Community Development Director Dated: ,October 4, 2017 Michele Kostenuik Publish: Tri County Sentry, October 6, 2017