Friday, February 21, 2014 • Port Orchard Independent
Legal Notices Continued from previous page..... 2013. The Trustee has in Trustee’s possession proof of such service/posting. VII. The Trustee, whose name and address is set forth below, will provide in writing to anyone requesting it a statement of all costs and fees due at any time prior to the sale. VIII. The effect of the sale will be to deprive the Grantor and all those who hold by, through or under Grantor, of all their interest in the above-described property. IX. Anyone having any objection to the sale on any grounds whatsoever will be afforded an opportunity to be heard as to those objections if they bring a lawsuit to restrain the sale pursuant to RCW 61.24.130. Failure to bring such a lawsuit may result in a waiver of any proper grounds for invalidating the Trustee’s sale. X. Notice to Occupants or Tenants The purchaser at the trustee’ sale is entitled to possession of the property on the 20th day following the sale, as against the grantor under the deed of trust (the owner) and anyone having an interest junior to the deed of trust, including occupants and tenants. After the 20th day following the sale the purchase has the right to evict occupants and tenants by summary proceedings under the unlawful detainer act, Chapter 59.12 RCW. The purchaser at the trustee’s sale is entitled to possession of the property on the 20th day following the sale, as against the grantor under the deed of trust (the owner) and anyone having an interest junior to the deed of trust, including occupants and non-residential tenants. After the 20th day following the sale the purchaser has the right to evict occupants and non-residential tenants by summary proceedings under chapter 59.12 RCW. For residential tenant-occupied property, the purchaser shall provide a tenant with written notice in accordance with RCW 61.24.060. Residential tenant-occupied property means property comprised solely of a singlefamily residence, or a condominium, cooperative, or other dwelling unit in a multiplex or other building containing fewer than five residential units. XI. Notice to Guarantors If this Notice is being mailed or directed to any Guarantor, said
Guarantor should be advised that: (1) the Guarantor may be liable for a deficiency judgment to the extent the sale price obtained at the trustee’s sale is less than the debt secured by the deed of trust; (2) the Guarantor has the same rights to reinstate the debt, cure the default, or repay the debt as is given to the grantor in order to avoid the trustee’s sale; (3) the Guarantor will have no right to redeem the property after the trustee’s sale; (4) subject to such longer periods as are provided in the Washington deed of trust act, chapter 61.24 RCW, any action brought to enforce a guaranty must be commenced within one year after the trustee’s sale, or the last trustee’s sale under any deed of trust granted to secure the same debt; and (5) in any action for a deficiency, the Guarantor will have the right to establish the fair value of the property as of the date of the trustee’s sale, less prior liens and encumbrances, and to limit its liability for a deficiency to the difference between the debt and the greater of such fair value or the sale price paid at the trustee’s sale, plus interest and costs. XII. Owner-Occupied Residential Property Notice THIS NOTICE IS THE FINAL STEP BEFORE THE FORECLOSURE SALE OF YOUR HOME You have only 20 DAYS from the recording date on this notice to pursue mediation. DO NOT DELAY. CONTACT A HOUSING COUNSELOR OR AN ATTORNEY LICENSED IN WASHINGTON NOW to assess your situation and refer you to mediation if you are eligible and it may help you save your home. See below for safe sources of help. SEEKING ASSISTANCE Housing counselors and legal assistance may be available at little or no cost to you. If you would like assistance in determining your rights and opportunities to keep your house, you may contact the following: The statewide foreclosure hotline for assistance and referral to housing counselors recommended by the Housing Finance Commission: Toll-free telephone: 1-877-894-HOME (1-877-894-4663) Website: http://www.dfi.wa.gov/c onsumers/homeownership/post_purchase_counselors_foreclosure.ht m The United States Department of Housing and Urban Development: Toll-free telephone: 1-800-569-4287
WWW.PORTORCHARDINDEPENDENT.COM
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For Kitsap Countywide Legal listings, please turn to Real Estate Now/Kitsap Classifieds W e b s i t e : http://www.hud.gov/offices/hsg/sfh/hcc/fc/index.cfm?webListAct i o n = s e a rc h & s e a rc h state=WA&filterSvc=dfc The statewide civil legal aid hotline for assistance and referrals to other housing counselors and attorneys : T o l l - f r e e : 1-800-606-4819 Website: h t t p : / / n w j u s tice.org/what-clear DATED this 17th day of December, 2013. EISENHOWER & CARLSON, PLLC Successor Trustee By:/s/ Terrence J. Donahue Terrence J. Donahue, Member Address: 1201 Pacific Avenue, Suite 1200 Tacoma, WA 98402 Phone: (253) 572-4500 Date of first publication: 02/21/14 Date of last publication: 03/14/14 (PO991732) SUPERIOR COURT OF WASHINGTON FOR KITSAP COUNTY In the Matter of the Estate of WILLIAM C. EVANS, Deceased. NO. 14 4 00079 0 NON-PROBATE NOTICE TO CREDITORS (RCW 11.42.030) The Notice Agent named below has elected to give notice to creditors of the above named Decedent: As of the date of the filing of a copy of this Notice with the court, the Notice Agent has no knowledge of any other person acting as Notice Agent or of the appointment of a Personal Representative of the Decedent’s estate in the State of Washington. According to the records of the court as are available on the date of the filing of this Notice with the court, a cause number regarding the Decedent has not been issued to any other Notice Agent and a Personal Representative of the Decedent’s estate has not been appointed. Any person having a claim against the Decedent must, before the time the claim would be barred by any otherwise applicable statute of limitations present the claim in the manner as provided in RCW 11.42.070 by serving on or mailing to the Notice Agent’s attorney at the address stated below a copy of the claim and filing the original of the claim with the court in which the Notice Agent’s Declaration and Oath was filed. The claim must be presented within the later of: (1) 30 days after the Notice Agent served or mailed the Notice to the creditor as provided in RCW 11.42020(2)(c); or (2) four months after the date of first publication of the Notice. If the claim is not presented within this time frame,
the claim is forever barred, except as otherwise provided in RCW 11.42.050 and RCW 11.42.060. This bar is effective as to claims against both the Decedent’s probate and nonprobate assets. The notice agent declares under penalty of perjury under the laws of the state of Washington on, January 16, 2014 at Bainbridge Isl, Washington, that the foregoing is true and correct. /s/Randi M. H. Evans RANDI M. H. EVANS Notice Agent: Randi M. H. Evans Attorney for Notice Agent: Dorothy K. Foster, WSBA No. 21091 of Foster Law Group, PLLC Address for Mailing or Service: Dorothy K. Foster, Esq. Foster Law Group, PLLC 355 Ericksen Avenue NE, Suite 401 Bainbridge Island WA 98110 Date of first publication: 02/14/14 Date of last publication: 02/28/14 (PO988720) SUPERIOR COURT OF WASHINGTON FOR KITSAP COUNTY No. 14-4-00067-6 ESTATE OF WILLARD M. KLUTH The Personal Representative named below has been appointed as Personal Representative of this estate. Any person having a claim against the decedent must, before the time the claim would be barred by any otherwise applicable statute of limitations, present the claim in the manner as provided in RCW 11.40.070 by serving on or mailing to the Personal Representative or the personal representative’s attorney at the address stated below a copy of the claim and filing the original of the claim with the court in which the probate proceedings were commenced. The claim must be presented within the later of: (1) Thirty days after the Personal Representative served or mailed the notice to the creditor as provided under RCW 11.40.020(1)(c); or (2) four months after the date of first publication of the notice. If the claim is not presented within this time frame, the claim is forever barred, except as otherwise provided in RCW 11.40.051 and 11.40.060. This bar is effective as to claims against both Decedent’s probate and nonprobate assets. DATE OF FILING NOTICE TO CREDITORS with Clerk of Court: February 13, 2014 DATE OF FIRST PUBLICATION: February 21, 2014 PERSONAL REPRESENTATIVE: CHERYL A. PATTON
ATTORNEYS FOR THE PERSONAL REPRESENTATIVE: SANCHEZ, MITCHELL, EASTMAN & CURE ADDRESS FOR MAILING OR SERVICE: 4110 Kitsap Way, Suite 200 Bremerton, WA 98312-2401 Date of first publication: 02/21/14 Date of last publication: 03/07/14 (PO991735) WE ARE A DEBT COLLECTOR. THIS COMMUNICATION IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. NOTICE OF TRUSTEE’S SALE I NOTICE IS HEREBY GIVEN that the undersigned Bishop, White, Marshall & Weibel, P.S. will on February 28, 2014 at 9:00 am, located at the Front Entrance of the Kitsap County Administration Building, 619 Division St, Port Orchard, WA 98366 sell at public auction to the highest bidder, payable at the time of sale, the following described real property, situated in Kitsap County, State of Washington, to-wit; PARCEL I: LOT(S) A OF SHORT SUBDIVISION NO. 6478 R-1, RECORDED ON FEBRUARY 13, 1997, UNDER AUDITOR’S FILE NOS. 3001737 AND 3001738, BEING A PORTION OF THE SOUTHWEST QUARTER OF THE SOUTHEAST QUARTER OF SECTION 10, TOWNSIDP 25 NORTH, RANGE I EAST, W.M., KITSAP COUNTY, WASHINGTON. PARCEL 2: AN EASEMENT FOR INGRESS, EGRESS AND UTILITIES AS DESCRIBED AND DELINEATED IN SHORT SUBDIVISION NO. 6478 R-1, RECORDED ON FEBRUARY 13, 1997, UNDER AUDITOR’S FILE NOS. 3001737 AND 3001738, BEING A PORTION OF THE SOUTHWEST QUARTER OF THE SOUTHEAST QUARTER OF SECTION 10, TOWNSHIP 25 NORTH, RANGE 1 EAST, W.M., KITSAP COUNTY, WASHINGTON. which is subject to that certain Deed of Trust dated October 27, 2008, recorded October 31, 2008, under Auditor’s File No. 200810310038 records of Kitsap County, Washington, from Melissa L. Cobb and Joseph M. Cobb, Wife and Husband, as Grantor, to Land Title Co, as Trustee, to secure an obligation in favor of Mortgage Electronic Registration Systems, Inc is a separate corporation that is acting solely as a nominee for Global Credit Union, a Washington Banking Corporation and its successors and assigns as
beneficiary. CitiMortgage, Inc. is now the beneficiary ofthe deed of trust. This loan secured by this Deed of Trust was most recently modified by an instrument dated January 28, 201O. The sale will be made without any warranty concerning the title to, or the condition of the property. II No action commenced by the Beneficiary of the Deed of Trust is now pending to seek satisfaction of the obligation in any Court by reason of the Grantor’s default on the obligation secured by the Deed of Trust. III The default(s) for which this foreclosure is made is/are as follows: i) Failure to pay the following amounts, now in arrears: Amount due to reinstate by October 29, 2013. Delinquent Monthly Payments Due from 12/1/2010 through 10/1/2013: 31 payment(s) at $2,910.10 4 payment(s) at $3,797.35 Total: $105,402.50 Late Charges: 35 late charge(s) at $93.06 for each monthly payment not made within 15 days of its due date Total Late Charges $3,257.10 Accrued Late Charges: $186.12 BPO $1,350.00 Property Inspection $762.50 Servicing Fees $603.12 Previous Attorney Fees $3,670.58 Utilities $1,512.56 Property Preservation $3,002.00 TOTAL DEFAULT $119,746.48 IV The sum owing on the obligation secured by the Deed of Trust is: $428,631.85, together with interest from November 1, 2010 as provided in the note or other instrument, and such other costs and fees as are due under the note or other instrument secured, and as are provided by statute. V The above described real property will be sold to satisfy the expense of sale and the obligation secured by the Deed of Trust as provided by statute. The sale will be made without warranty, express or implied, regarding title, possession, or encumbrances on February 28, 2014. The payments, late charges, or other defaults must be cured by February 17, 2014 (11 days before the sale date) to cause a discontinuance of the sale. The sale will be discontinued and terminated if at any time on or before February 17, 2014 (11 days before the sale date) the default(s) as set forth in
paragraph III, together with any subsequent payments, late charges, or other defaults, is/are cured and the Trustee’s fees and costs are paid. Payment must be in cash or with cashier’s or certified checks from a State or federally chartered bank. The sale may be terminated any time after February 17, 2014 (11 days before the sale date), and before the sale by the Borrower, Grantor, any Guarantor, or the holder of any recorded junior lien or encumbrance paying the entire principal and interest secured by the Deed of Trust, plus costs, fees, and advances, if any, made pursuant to the terms of the obligation and/or Deed of Trust, and curing all other defaults. VI A written notice of default was transmitted by the beneficiary or Trustee to the Borrower and Grantor at the following address(es): Melissa L. Cobb 518 NW Sigurd Hanson Rd Poulsbo, WA 98370 Joseph M. Cobb 518 NW Sigurd Hanson Rd Poulsbo, WA 98370 Melissa L. Cobb 518 Sigurd Hanson Rd NW Poulsbo, WA 98370 Joseph M. Cobb 518 Sigurd Hanson Rd NW Poulsbo, WA 98370 Melissa L. Cobb PO BOX 192 Silverdale, WA 98383 Joseph M. Cobb PO BOX 192 Silverdale, WA 98383 by both first class and certified mail on September 16, 2013, proof of which is in the possession of the Trustee; and the Borrower and Grantor were personally served on September 17, 2013, with said written notice of default or the written notice of default was posted in a conspicuous place on the real property described in paragraph I above, and the Trustee has possession of proof of such service or posting. VII The Trustee whose name and address are set forth will provide in writing to anyone requesting it, a statement of all costs and fees due at any time prior to the sale. VIII The effect ofthe sale will be to deprive the Grantor and all those who hold by, through or under the Grantor of all their interest in the above-described property. IX Anyone having any objections to this sale on any grounds whatsoever will be afforded an opportunity to be heard as to those objections if they bring a lawsuit to restrain the sale pursu-
ant to RCW 61.24.130. Failure to bring such a lawsuit may result in a waiver of any proper grounds for invalidating the Trustee’s sale. X NOTICE TO OCCUPANTS OR TENANTS The purchaser at the Trustee’s Sale is entitled to possession of the property on the 20th day following the sale, as against the Grantor under the deed oftrust (the owner) and anyone having an interest junior to the deed of trust, including occupants who are not tenants. After the 20th day following the sale the purchaser has the right to evict occupants who are not tenants by summary proceedings under Chapter 59.12 RCW. For tenant-occupied property, the purchaser shall provide a tenant with written notice in accordance with RCW 61.24.060. If the Trustee’s Sale is set aside for any reason, the submitted bid will be forthwith returned without interest and the bidder will have no right to purchase the property. Recovery of the bid amount without interest constitutes the limit ofthe bidder’s recourse against the Trustee and/or the Beneficiary. XI NOTICE TO ALL PERSONS AND PARTIES WHO ARE GUARANTORS OF THE OBLIGATIONS SECURED BY THIS DEED OF TRUST: (1) The Guarantor may be liable for a deficiency judgment to the extent the sale price obtained at the Trustee’s Sale is less than the debt secured by the Deed of Trust; (2) The Guarantor has the same rights to reinstate the debt, cure the default, or repay the debt as is given to the grantor in order to avoid the trustee’s sale; (3) The Guarantor will have no right to redeem the property after the Trustee’s Sale; (4) Subject to such longer periods as are provided in the Washington Deed of Trust Act, Chapter 61.24 RCW, any action brought to enforce a guaranty must be commenced within one year after the Trustee’s Sale, or the last Trustee’s Sale under any deed of trust granted to secure the same debt; and (5) In any action for a deficiency, the Guarantor will have the right to establish the fair value of the property as of the date of the Trustee’s Sale, less prior liens and encumbrances, and to limit its liability for a deficiency to the difference between the debt and the greater of such fair value or the sale price paid at the Trustee’s
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