Re: SANT, DESIREE S NOTICE OF TRUSTEE'S SALE APN: 6020880280 TS No: 14-29643 Deed of Trust Reference No.: 200504060487 Grantor: DESIREE S SANT, A MARRIED WOMAN AS HER SOLE AND SEPARATE PROPERTY Grantee: COUNTRYWIDE BANK, A DIVISION OF TREASURY BANK, N.A. as Lender "THIS NOTICE IS THE FINALSTEP BEFORE THE FORECLOSURE SALE OF YOUR HOME. You have only 20 DAYS from the recording date of 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: 1-877-894HOME (1-877-8944663) Web site: http:// www.dfi.wa.gov/consumers/homeownership/ The United States Department of Housing and Urban Development: Telephone: 1-800-569-4287 Web site: http://portal.hud.gov/hudportal/HUD The statewide civil legal aid hotline for assistance and referrals to other housing counselors and attorneys Telephone: 1-800-606-4819 Web site: http://www.ocla.wa.gov/ I. NOTICE IS HEREBY GIVEN that the undersigned Trustee, BENJAMIN DAVID PETIPRIN will on 5/1/2015, at 10:00 AM at The 2ND floor entry plaza outside the County Courthouse, 930 Tacoma Avenue South, Tacoma, WA 98402 sell at public auction to the highest and best bidder, payable at the time of sale, the following described real property, situated in the County of Pierce, State of Washington, to-wit: LOT 28 OF EVERGREEN HILLS, ACCORDING TO PLAT RECORDED DECEMBER 31, 1992 UNDER AUDITOR'S NO. 9212310574, IN PIERCE COUNTY, WASHINGTON. Commonly known as: 11016 200TH STREET COURT EAST GRAHAM, WA 98338 which is subject to that certain Deed of Trust dated 3/31/2005, recorded 4/6/2005, under Auditor's File No. 200504060487, in records of Pierce County, Washington, from DESIREE S SANT, A MARRIED WOMAN AS HER SOLE AND SEPARATE PROPERTY, as Grantor(s), to FIRST AMERICAN TITLE, as Trustee, to secure an obligation in favor of COUNTRYWIDE BANK, A DIVISION OF TREASURY BANK, N.A. as Lender. Ventures Trust 2013-I-H-R by MCM Capital Partners, LLC, its trustee is the holder of the Promissory Note and current Beneficiary of the Deed of 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 10/1/ 2008 THRU 10/31/2008 NO.PMT 1 AMOUNT $920.24 TOTAL $920.24 FROM 11/1/2008 THRU 11/30/ 2008 NO.PMT 1 AMOUNT $1,203.98 TOTAL $1,203.98 FROM 12/1/2008 THRU 12/31/2008 NO.PMT 1 AMOUNT $758.11 TOTAL $758.11 FROM 1/1/2009 THRU 1/31/2009 NO.PMT 1 AMOUNT $656.78 TOTAL $656.78 FROM 2/1/2009 THRU 4/ 30/2009 NO.PMT 3 AMOUNT $575.71 TOTAL $1,727.13 FROM 5/ 1/2009 THRU 7/31/2009 NO.PMT 3 AMOUNT $595.97 TOTAL $1,787.91 FROM 8/1/2009 THRU 2/28/2010 NO.PMT 7 AMOUNT $555.44 TOTAL $3,888.08 FROM 3/1/2010 THRU 4/ 30/2013 NO.PMT 38 AMOUNT $556.02 TOTAL $21,128.76 FROM 5/1/2013 THRU 7/31/2013 NO.PMT 3 AMOUNT $576.33 TOTAL $1,728.99 FROM 8/1/2013 THRU 01/26/2015 NO.PMT 18 AMOUNT $535.72 TOTAL $9,642.96 LATE CHARGE INFORMATION NO. LATE CHARGES 0 TOTAL $0.00 PROMISSORY NOTE INFORMATION Note Dated: 3/31/2005 Note Amount: $195,200.00 Interest Paid To: 9/1/ 2008 Next Due Date: 10/1/2008 IV. The sum owing on the obligation secured by the Deed of Trust is: Principal $194,560.91, together with interest as provided in the note or other instrument secured from the 10/1/2008, 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 5/1/2015. The default(s) referred to in Paragraph III must be cured by 4/ 20/2015, (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 4/20/ 2015 (11 days before the sale) the default as set forth in Paragraph III is 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 4/20/2015 (11 days before the sale date) and before the sale, by the Borrower or Grantor 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): NAME ADDRESS DESIREE S SANT 11016 200TH STREET COURT EAST GRAHAM, WA 98338-7737 DESIREE S SANT 6505 188TH AVE E BONNEY LAKE, WA 98390 DESIREE S SANT 6505 188TH AVE E, SUMNER, WA 98390 by both first class and certified mail on 10/ 24/2014, proof of which is in the possession of the Trustee; and 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 and tenants. After the 20th day following the sale the purchaser has the right to evict occupants and tenants by summary proceedings under the Unlawful Detainer Act, Chapter 59.12 RCW. For tenantoccupied property, the purchaser shall provide a tenant with written notice in accordance with RCW 61.24.060. DATED: 1-27-15 Benjamin David Petiprin, Esq., c/o Law Offices of Les Zieve as Trustee Address for service: Law Offices of Les Zieve 1100 Dexter Avenue North Suite 100 Seattle, WA 98109 Phone No: (206) 866-5345 Beneficiary / Servicer Phone: (866) 581-4498 A-4508248 03/27/2015, 04/17/2015