Re: Howe, Steven/ Meridian Rose Investments NOTICE OF TRUSTEE'S SALE Grantor: Shannon R. Jones Grantee: Steven Howe Reference Numbers of Documents Assigned or Released: Pierce County Auditor's File No. 201406050346 Legal Description (abbreviated): Lot 1, Linkem's Landing. Complete Legalis on Page 1 of Document Assessor's Tax Parcel No.: 5303000010 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 IS HEREBY GIVEN that Shannon R. Jones, as Trustee under the terms of the Trust Deed described below and at the direction of the Beneficiary, will at the time and place set forth below, sell at public action to the highest and best bidder, payable in cash or certified funds at the time of sale, the real property with the assessor's Property Tax Parcel No. 5303000010 described as follows: Lot 1, Linkem's Landing, according to the plat recorded March 11, 1981 under Auditor's No. 8103110237, records of Pierce County, Washington. Situate in the County of Pierce, State of Washington. Said property commonly known as: 12412 214th Avenue East, Bonney Lake, WA 98391 A. TIME AND PLACE OF SALE: TIME AND DATE: ^Friday, March 27, 2015 at 10:00 a.m. PLACE: ^Puyallup Post Office, 204 2nd Street, S.W., in the City of Puyallup, State of Washington B. PARTIES IN THE TRUST DEED: TRUSTOR: ^Steven Howe TRUSTEE: ^Shannon R. Jones BENEFICIARY: ^Meridian Rose Investments, LLC C. TRUST DEED INFORMATION: DATED: ^June 3, 2014 RECORDING DATE: ^201406050346 RECORDING NO.: ^June 5, 2014 RECORDING PLACE: Official Records of the County of Pierce No action commenced by the Beneficiary of the Deed of Trust or the Beneficiary's successor is now pending to seek satisfaction of the obligation in any court by reason of the Debtor's default on the obligation secured by the Deed of Trust. The Beneficiary alleges default of the Deed of Trust for the failure to pay the following amounts now in arrears and/ or other defaults, to wit: A. Amount Due and Owing: Principal Sum due 12/15/2014 ^$84,375.59 Interest through 12/15/2014 at 18% default rate ^$8,859.41 Property taxes (second 1/2 of 2014) ^$1,520.32 Insurance premiums (August and September, 2014) ^$633.42 Attorneys' fees ^$1,000.00 Trustees fees ^$500.00 Costs Title report estimate ^$374.49 Recording Certified mail ^$7.50 Posting ^$65.00 TOTAL AMOUNT CURRENTLY IN ARREARS & DELINQUENT: ^$97,335.73 D. Default(s) other than payment of money: Failure to pay insurance and real property taxes The sum owing on the obligation secured by the Deed of Trust is: THE PRINCIPAL BALANCE OF $84,375.59, together with interest as provided in the Note or other instrument secured from June 5, 2014 and such other costs and fees as are due under the Note or other instrument secured, and as are provided by statute. 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 as set forth above. The default(s) referred to in Paragraph III must be cured by the FINAL REINSTATEMENT DATE set forth below which is eleven (11) days before the sale, to cause a discontinuance of the sale. The sale will be discontinued and terminated if at any time on or before the FINAL REINSTATEMENT DATE (11 days before the sale date) and before the sale by the Grantor or by the Grantor's successor in interest or by 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, plus the Trustee's fees and costs including the Trustee's reasonable attorney's fees, and curing all other defaults. FINAL REINSTATEMENT DATE: MARCH 16, 2015 A written Notice of Default was transmitted by the Beneficiary or Trustee to the Debtor or Debtor's successor in interest by both first class and certified mail as set forth below, proof of which is in the possession of the Trustee; and the Grantor or the Grantor's successor in interest was personally served with said written Notice of Default, or the written Notice of Default was posted in a conspicuous place on the real property described herein, as set forth below, and the Trustee has possession of proof of such service or posting. Date of mailing Notice of Default: October 6, 2014 Date of posting real property: October 6, 2014 After receiving a request for a statement of all costs and fees due at any time prior to the sale from any person entitled to notice under RCW 61.24.040(1)(b) the Trustee whose name and address are set forth below will provide the requested statement in writing to such person. The effect of the sale will be to deprive the Debtor and all those who hold by, through, or under the Debtor of all their interest in the above-described property. 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 lawsuit may result in a waiver of any proper grounds for invalidating the Trustee's sale. SPECIAL NOTICE TO GUARANTORS If any of the parties receiving this notice are guarantors of the obligations referenced above, each such guarantor (individually and collectively, "Guarantor") is hereby notified that: (1) 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) Guarantor has the same rights to reinstate the debt, cure the default, or repay the debt as given to the grantor in order to avoid any trustee's sale; (3) 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 obligation referenced above; and (5) in any action for a deficiency, Guarantor will have the right to establish the fair market 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. NOTICE TO OCCUPANTS OR TENANTS The foreclosure process has begun on this property, which may affect your right to continue to live in the property. Ninety (90) days or more after the date of this notice, this property may be sold at foreclosure. If you are renting this property, the new property owner may either give you a new rental agreement or provide you with a ninety (90) day notice to vacate the property. You may wish to contact a lawyer or your local legal aid or housing counseling agency to discuss any rights that you may have. For further information, please contact: Shannon R. Jones Campbell, Dille, Barnett, & Smith 317 South Meridian Puyallup, Washington 98371 (253) 845-4941 DATED this 18 day of December, 2014. /s/Shannon R. Jones, Trustee Address: 317 S. Meridian Puyallup, WA 98371 Telephone: (253) 848-3513 STATE OF WASHINGTON)ss. COUNTY OF PIERCE) On this day personally appeared before me Shannon R. Jones, to me known to be the person who executed the within and foregoing instrument, and acknowledged that he signed the same as his free and voluntary act and deed, for the uses and purposes therein mentioned. GIVEN under my hand and official seal this 18th day of December, 2014. /s/ Michelle A. Lea Printed Name: Michelle A. Lea NOTARY PUBLIC in and for the State of Washington, residing at Orting My commission expires: 2-18-18 February 26, March 19