Re: Schular, Heather NOTICE OF TRUSTEE'S SALE PURSUANT TO THE REVISED CODE OF WASHINGTON CHAPTER 61.24, ET. SEQ. THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. TO: HEATHER LYNN SHULAR; to any occupants of the property; and to all other persons or entities claiming an interest in the subject property. 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 Washington State Housing Finance Commission: Tollfree: 1-877-894-HOME (1-877-8944663) http://www.dfi.wa.gov/consumers/ homeownership/ post_purchase_counselors_foreclosure.htm OR http://www.wshfc.org/buyers/counseling. United States Department of Housing and Urban Development: Toll-free: 1-800-569-4287 Local counseling agencies in Washington: 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: Toll-free: 1800-606-4819 http://nwjustice.org/what-clear I. NOTICE IS HEREBY GIVEN that the undersigned Trustee will on May 15, 2015, at the hour of 10:00 o'clock, a.m., at the 2ND FLOOR ENTRY PLAZA OUTSIDE THE PIERCE COUNTY SUPERIOR COURTHOUSE LOCATED AT 930 TACOMA AVE. S., in the City of TACOMA, PIERCE COUNTY, State of Washington, sell at public auction to the highest bidder, payable at the time of sale, the following described real property, situated in the County of Pierce, State of Washington, to-wit: LOT 11, WOODSIDE PHASE 2, ACCORDING TO PLAT RECORDED UNDER AUDITOR'S NO 8410220298, IN PIERCE COUNTY, WASHINGTON. (commonly known as 13513 96TH AVE. N.W., GIG HARBOR, WA 98329 TAX ACCOUNT NUMBER: 981122011-0. Which is subject to that certain Deed of Trust dated the 1st day of December, 1997, recorded the 5th day of December, 1997, in the mortgage records of Pierce County, under Auditor's File No. 9712050593, records of Pierce County, Washington, from HEATHER SHULAR, an unmarried woman, as Grantor, to Commonwealth Title Insurance Company,, as Trustee, to secure an obligation in favor of the United State of America acting through the Rural Housing service or successor agency, United States Department of Agriculture, as Beneficiary. Jerome A. Froland, P.S. DBA Alder Lynn Law office Attorney was appointed Successor Trustee under Pierce County Auditors File No. 201411030170. 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 make monthly payments of principal and interest on account #xxx2218 beginning with the payment due 3/1/2012 0 -11 Payments of $286.42 /month ^$3,150.62 24 Payments of $400.00 /month ^$9,600.00 Failure to make monthly escrow payments on account #xxx2218 beginning with the payment due 3/1/2012 25 Payments of $202.21/month ^$ 5,055.25 Failure to make monthly payments of principal and interest on account #xxx3188 beginning with the payment due 3/1/2012 -11 Payments of $137.70/month^$ 1,514.70 -24 Payments of $192.31 /month ^$4,615.44 -Failure to pay late charges and fees when due: Account #xxx2218 ^$2,673.97 Account #xxx3188 ^$156.09 Total monetary default:^$26,766.07 IV. The sum owing on the obligation secured by the Deed of Trust is: Principal $72,271.67, together with interest as provided in the note or other instrument secured from December 5, 1997 and 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 May 15, 2015. The Default(s) referred to in paragraph III must be cured by May 4, 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 on or before May 15, 2015 (11 days before the sale date), the default(s) as set forth in paragraph III is/are cured and the Trustee's fees and costs are paid. The sale may be terminated any time after May 4, 2015 (11 days before the sale date) and before the sale by 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 addresses: HEATHER LYNN SHULAR 13513 96TH AVENUE NW GIG HARBOR WA 98329 HEATHER LYNN SHULAR AND JOHN DOE SHULAR 13513 96TH AVENUE NW GIG HARBOR WA 98329 OCCUPANT 13513 96TH AVENUE NW GIG HARBOR WA 98329 By both first class and either registered or certified mail on November 12, 2014, proof of which is in the possession of the Trustee; and the Borrower and Grantor were personally served on November 10, 2014, 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 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. 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 chapter 59.12 RCW. For tenant occupied property, the purchaser shall provide a tenant with written notice in accordance with RCW 61.24.060. THIS NOTICE IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. DATED: January 1, 2015 /s/Jerome A. Froland Trustee: Jerome A. Froland, WSBA 14916, as Trustee 8 164th St. SW, Bothell WA 98012 P.O. Box 13125, Mill Creek WA 98082 Telephone : 425-778-5297 April 15, May 6