Serving Lincoln County for more than a century!
NOTICE OF TRUSTEE’S SALE
Loan No: **8841 TS No: 23-9064 PURSUANT TO THE REVISED
CODE OF WASHINGTON CHAPTER 61.24 RCW Grantor: STEVEN
E. WARD AND CAROL C. WARD Current Beneficiary of Deed
of Trust: U.S. Bank Trust National Association, not in its individual
capacity but solely as trustee for LB-Igloo Series IV Trust Current
Mortgage Servicer for the Deed of Trust: SN Servicing Corporation
Current Trustee for the Deed of Trust: MICHELLE R. GHIDOTTI,
ESQ. Trustee’s address is 144 Railroad Avenue, Suite 236, Edmonds,
WA 98020-4100 (206) 331-3280 Trustee’s agent for service
is Gary Krohn, Reg. Agent, whose address is 144 Railroad Avenue,
Suite 236 Edmonds, WA 98020-4100 Phone: (206) 525-1925 If
there are any questions regarding this Notice, please contact (206)
331-3280 Reference Number of Deed of Trust: 407922 Parcel
Number(s): 0805-109-001000 Abbr. Legal Description LOTS 1-8,
BLK 109, RAILROAD ADD. TO WILBUR 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
Telephone: 1-877-894-HOME(1-877-894-4663) . Web site:
http://www.dfi.wa.gov/consumers/homeownership/post_purchase_
counselors_foreclosure.htm The United States Department of
Housing and Urban Development Telephone: 1-800-569-4287 Web
site: http://www.hud.gov/offices/hsg/sfh/hcc/fc/index.cfm?webListAction=
search&searchstate=WA&filterSvc=dfc The statewide
civil legal aid hotline for assistance and referrals to other housing
counselors and attorneys Telephone: 1-800-606-4819 Web site:
http://nwjustice.org/what-clear I. NOTICE IS HEREBY GIVEN that
the undersigned Trustee will on 1/12/2024, at 10:00 AM at At main
entrance Pioneer Title Company, 403 Logan St, Davenport, WA
99122 sell at public auction to the highest and best bidder, payable,
in the form of cash, or cashier’s check or certified checks from
federally or State chartered banks, at the time of sale the following
described real property, situated in the County of Lincoln, State of
Washington, to-wit: LOTS 1, 2, 3, 4, 5, 6, 7 AND 8 IN BLOCK 109
AND THAT PORTION OF VACATED ANNE STREET ADJOINING
LOT 8 AS ATTACHES BY OPERATION OF LAW, RAILROAD
ADDITION TO THE TOWN OF WILBUR, ACCORDING TO PLAT
THEREOF RECORDED IN BOOK "A" OF PLATS, PAGE 61,
RECORDS OF LINCOLN COUNTY, WASHINGTON. Commonly
known as: 114 E MAY STREET WILBUR Washington 99185 which
is subject to that certain Deed of Trust dated 11/4/1997, recorded
11/12/1997, under Auditor's File No. 407922, in Book 69, Page
000270 records of Lincoln County, Washington, from STEVEN E.
WARD AND CAROL C. WARD, HUSBAND AND WIFE, as Grantor(
s), to PIONEER TITLE COMPANY, as Trustee, to secure an
obligation in favor of GMAC MORTGAGE CORPORATION, as
Beneficiary, the beneficial interest in which was assigned to U.S.
Bank Trust National Association, not in its individual capacity but
solely as trustee for LB-Igloo Series IV Trust. II. No action commenced
by the Beneficiary of the Deed of Trust is now pending to
seek satisfaction of the obligation in any Court by reason of the
Borrower’s or Grantor's default on the obligation secured by the
Deed of Trust. III. The default(s) for which this foreclosure is made
is/are as follows: Failure to pay when due the following amounts
which are now in arrears: PAYMENT INFORMATION: FROM
9/21/2023 TOTAL $14,344.32 BENEFICIARY’S ADVANCES,
COSTS AND EXPENSES: DESCRIPTION - ADVANCE AMOUNT:
9/21/2023 Accrued Late Charges $144.36 9/21/2023 MTGR REC
CORP ADV $2,428.76 ESTIMATED FORECLOSURE FEES &
COSTS: 9/21/2023 Trustee's Fees $400.00 9/21/2023 Recording
Costs $203.00 9/21/2023 Title Costs $50.00 9/21/2023 Mailing
$200.00 9/21/2023 Publication Costs $1,200.00 9/21/2023 Posting
Costs $115.00 TOTAL DUE AS OF: 9/21/2023 $19,085.44 IV. The
sum owing on the obligation secured by the Deed of Trust is: The
principal sum of $37,669.22, together with interest as provided in
the Note or other instrument secured from 5/1/2022, 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, expressed or implied, regarding
title, possession or encumbrances on 1/12/2024. The defaults referred
to in Paragraph III must be cured by 1/1/2024, (11 days
before the sale date) to cause a discontinuance of the sale. The
sale will be discontinued and terminated if at any time before
1/1/2024 (11 days before the sale) the default as set forth in Paragraph
III, together with any subsequent payments, late charges,
advances, costs and fees thereafter due, is/are cured and the
Trustee's fees and costs are paid. Payment must be in cash or with
cashiers or certified checks from a State or federally chartered bank.
The sale may be terminated any time after the 1/1/2024 (11 days
before the sale date) and before the sale, by the Borrower, or Grantor
or any Guarantors or the holder of any recorded junior lien or
encumbrance by 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(s) and Grantor(s)
at the following address(es): NAME - ADDRESS: CAROL C. WARD
114 E MAY STREET WILBUR, WA 99185 CAROL C. WARD PO
BOX 371 WILBUR, WA 99185-0371 STEVEN E. WARD 114 E MAY
STREET WILBUR, WA 99185 STEVEN E. WARD PO BOX 371
WILBUR, WA 99185-0371 by both first class and certified mail on
5/24/2023, proof of which is in the possession of the Trustee; and
on 5/28/2023 the Borrower and Grantor were personally served, if
applicable, with said written Notice of Default or the written Notice
of Default was posted in a conspicuous place on the real property
described in Paragraph I above, and the Trustee has possession of
proof of such service or posting. VII. The Trustee whose name and
address are set forth below will provide in writing to anyone requesting
it, a statement of all costs and fees due at any time prior to the
sale. VIII. The effect of the sale will be to deprive the Grantor and
all those who hold by, through or under the Grantor of all their interest
in the above described property. IX. Anyone having any 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 pursuant to RCW 61.24.130. Failure to bring
such a lawsuit may result in a waiver of any proper grounds for invalidating
the Trustee's sale. X. NOTICE TO OCCUPANTS OR
TENANTS – The purchaser at the trustee’s sale is entitled to possession
of the property on the 20th day following the sale, as against
the grantor under the Deed of Trust (the owner) and anyone having
an interest junior to the Deed of Trust, including occupants who are
not tenants. After the 20th day following the sale the purchaser has
the right to evict occupants who are not tenants by summary proceedings
under chapter 59.12 RCW. For tenant-occupied property,
the purchaser shall provide a tenant with written notice in accordance
with RCW 61.24.060. If you are a servicemember or a dependent
of a servicemember, you may be entitled to certain protections
under the federal Servicemembers Civil Relief Act and any comparable
state laws regarding the risk of foreclosure. If you believe you
may be entitled to these protections, please contact our office immediately.
Additional disclaimers provided by the Trustee: 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 noteholders rights against the real
property only. Service of Process should be sent to: Michelle Ghidotti,
Esq., c/o Gary Krohn, Reg. Agent, 144 Railroad Avenue, Suite
236, Edmonds, WA 98020-4100 and faxed to (949) 427-2732. If
there are any questions regarding this Notice, please contact (206)
331-3280. SALE INFORMATION CAN BE OBTAINED ONLINE AT
http://www.nationwideposting.com FOR AUTOMATED SALES INFORMATION
PLEASE CALL: (916) 939-0772 THIS IS AN ATTEMPT
TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL
BE USED FOR THAT PURPOSE. DATED: 09/06/2023 Michelle
Ghidotti, Esq. 144 Railroad Avenue, Suite 236 Edmonds, WA 98020-
4100 Phone: (206) 331-3280 Fax: (949) 427-2732 Michelle R.
Ghidotti, Esq., as Trustee A notary public or other officer completing
this certificate verifies only the identity of the individual who signed
the document, to which this certificate is attached, and not the
truthfulness, accuracy, or validity of that document. State of California
) )ss County of Orange ) On 09/06/2023 before me, Tina Suihkonen,
Notary Public personally appeared Michelle Ghidotti-Gonsalves,
Esq who proved to me on the basis of satisfactory evidence
to be the person(s) whose name(s) is/are subscribed to the within
instrument and acknowledged to me that he/she/they executed the
same in his/her/their authorized capacity(ies), and that by his/her/
their signature(s) on the instrument the person(s), or the entity upon
behalf of which the person(s) acted, executed the instrument. I
certify under PENALTY OF PERJURY under the laws of the State
of California that the foregoing paragraph is true and correct. WITNESS
my hand and official seal. Signature Tina Suihkonen (Seal)
TINA SUIHKONEN Notary Public - California Orange County Commission
# 2453258 My Comm. Expires Jul 15, 2027 NPP0440420
To: LINCOLN COUNTY RECORD TIMES (WA) 12/14/2023,
01/04/2024
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