Re: West, Ryan D Notice of Trustee's Sale Pursuant to the Revised Code of Washington 61.24, et seq. THIS NOTICE IS THE FINAL STEP 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: Tollfree: 1-877-894-HOME (1-877-8944663). Web site: http:// www.dfi.wa.gov/consumers/homeownership/ post_purchase_counselors_ fore closure.htm The United States Department of Housing and Urban Development Telephone: Toll-free: 1-800-5694287. 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: Toll-free: 1-800-606-4819. Web site: http://nwjustice.org what-clear. I. On May 15, 2015, at 9:00 AM. Outside of the 2nd floor entry plaza, on the west side of the County-City Building, 930 Tacoma Avenue South in the City of Tacoma, State of Washington, the undersigned Trustee (subject to any conditions imposed by the Trustee) will sell at public auction to the highest and best bidder, payable at time of sale, the following described real property "Property", situated in the County(ies) of PIERCE, State of Washington: Lots 1, 2, 3 and 4, Block 20, Lakeside Addition, according to the Plat thereof, recorded in Volume 1 of Plats, Page 79, records of Pierce County, Washington. Situate in the County of Pierce, State of Washington. Commonly known as: 530 South 51st Street Tacoma, WA 98408 which is subject to that certain Deed of Trust dated 12/23/08, recorded on 12/30/08, under Auditor's File No. 200812300389, records of PIERCE County, Washington, from Ryan D. West and Stephanie R. Raven, each as to their respective separate estates, in indeterminate interests, as Grantor, to Michael P Bell Esquire, as Trustee, to secure an obligation "Obligation" in favor of Mortgage Electronic Registration Systems, Inc. solely as nominee for American Equity Mortgage, Inc., its successors and assigns, as Beneficiary, the beneficial interest in which was assigned by Mortgage Electronic Registration Systems, Inc. to Bank of America, N.A. as successor by merger to BAC Home Loans Servicing, LP fka Countrywide Home Loans Servicing LP, under an Assignment/Successive Assignments recorded under Auditor's File No. 201106300009. *The Tax Parcel ID number and Abbreviated Legal Description are provided solely to comply with the recording statutes and are not intended to supplement, amend or supersede the Property's full legal description provided herein. 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 or Borrower's default on the Obligation secured by the Deed of Trust. III. The Beneficiary alleges default of the Deed of Trust for failure to pay the following amounts now in arrears and/or other defaults: Amount due to reinstate as of 01/05/2015 Monthly Payments $87,338.12 Late Charges $3,357.12 Total Arrearage $90,695.24 Trustee's Expenses (Itemization) Trustee's Fee $507.50 Statutory Mailings $49.92 Recording Costs $148.00 Postings $80.00 Sale Costs $501.92 Total Costs $1,287.34 Total Amount Due: $91,982.58 Other known defaults as follows: IV. The sum owing on the Obligation is: Principal Balance of $231,734.63, together with interest as provided in the note or other instrument evidencing the Obligation from 12/01/10, and such other costs and fees as are due under the Obligation, and as are provided by statute. V. The Property will be sold to satisfy the expense of sale and the Obligation as provided by statute. The sale will be made without representation or warranty, express or implied regarding title, possession, encumbrances or condition of the Property on May 15, 2015. The default(s) referred to in paragraph III, together with any subsequent payments, late charges, advances costs and fees thereafter due, must be cured by 05/04/15 (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 05/04/15 (11 days before the sale date), the default(s) 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. The sale may be terminated any time after 05/04/ 15 (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 balance of 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 AND ADDRESS Ryan D. West