Re: Cooper, Emily & Brian TS No WA08000564-15-1 APN 2895000950 TO No 150138518-WA-MSI NOTICE OF TRUSTEE'S SALE PURSUANT TO THE REVISED CODE OF WASHINGTON CHAPTER 61.24 ET. SEQ. I. NOTICE IS HEREBY GIVEN that on January 4, 2016, 09:00 AM, 2nd Floor Entry Plaza outside the county courthouse, Pierce County Superior Courthouse, 930 Tacoma Avenue South, Tacoma WA 98402, MTC Financial Inc. dba Trustee Corps, the undersigned Trustee, will 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 Pierce, State of Washington, to-wit: LOTS 3, 4 AND THE NORTH HALF OF LOT 5, BLOCK 7, CATLIN`S ADDITION TO TACOMA W.T., ACCORDING TO THE PLAT THEREOF RECORDED IN VOLUME 1 OF PLATS, PAGE(S)73, RECORDS OF PIERCE COUNTY, WASHINGTON. SITUATE IN THE COUNTY OF PIERCE, STATE OF WASHINGTON. APN: 2895000950 More commonly known as 2308 S HOSMER STREET, TACOMA, WA 98405 which is subject to that certain Deed of Trust dated as of November 22, 2010, executed by EMILY R COOPER AND BRIAN J COOPER, WIFE AND HUSBAND, EMILY R COOPER as Trustor(s), to secure obligations in favor of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. (“MERS”), as designated nominee for SOUNDMORTGAGE, INC., A CORPORATION, Beneficiary of the security instrument, its successors and assigns, recorded November 30, 2010 as Instrument No. 201011300613 and the beneficial interest was assigned to BANK OF AMERICA, N.A. and recorded March 21, 2014 as Instrument Number 201403210179 of official records in the Office of the Recorder of Pierce County, Washington. II. No action commenced by BANK OF AMERICA, N.A., the current Beneficiary of the Deed of Trust is now pending to seek satisfaction of the obligation in any Court by reason of the Borrowers' or Grantors' default on the obligation secured by the Deed of Trust/Mortgage. Current Beneficiary: BANK OF AMERICA, N.A. Contact Phone No: 214-209-6557 Address: 7105 Corporate Drive, Building C, Plano, TX 75024 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: DELINQUENT PAYMENT INFORMATION From October 1, 2013 To August 28, 2015 Number of Payments 5 $1,536.20 5 $1,560.95 12 $1,567.52 1 $1,576.94 Total $35,872.93 LATE CHARGE INFORMATION October 1, 2013 August 28, 2015 $184.32 PROMISSORY NOTE INFORMATION Note Dated: November 22, 2010 Note Amount: $236,223.00 Interest Paid To: September 1, 2013 Next Due Date: October 1, 2013 IV. The sum owing on the obligation secured by the Deed of Trust is: The principal sum of $225,308.31, together with interest as provided in the Note or other instrument secured, 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. Said sale will be made without warranty, expressed or implied, regarding title, possession or encumbrances on January 4, 2016. The defaults referred to in Paragraph III must be cured by December 24, 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 December 24, 2015 (11 days before the sale) the default as set forth in Paragraph III is cured and the Trustees' 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 December 24, 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 by paying the principal and interest, plus costs, fees and advances, if any, made pursuant to the terms of the obligation and/or Deed of Trust. VI. A written Notice of Default was transmitted by the current Beneficiary, BANK OF AMERICA, N.A. or Trustee to the Borrower and Grantor at the following address(es): ADDRESS EMILY R COOPER 2308 S HOSMER STREET, TACOMA, WA 98405 EMILY R COOPER 3118 GLENDALE DR W, UNIVERSITY PLACE, WA 98466 BRIAN J COOPER 2308 S HOSMER STREET, TACOMA, WA 98405 BRIAN J COOPER 3118 GLENDALE DR W, UNIVERSITY PLACE, WA 98466 by both first class and certified mail on July 10, 2015, 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 Trustees' Sale. X. If the Borrower received a letter under RCW 61.24.031: 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 might 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: (877) 894-4663 or (800) 606-4819 Website: www.wshfc.org The United States Department of Housing and Urban Development: Telephone: (800) 569-4287 Website: www.hud.gov The statewide civil legal aid hotline for assistance and referrals to other housing counselors and attorneys: Telephone: (800) 606-4819 Website: www.homeownership.wa.gov 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 the Unlawful Detainer Act, Chapter 59.12 RCW. For tenant-occupied property, the purchaser shall provide a tenant with written notice in accordance with RCW 61.24.060; Dated: August 28, 2015 MTC Financial Inc. dba Trustee Corps, as Duly Appointed Successor Trustee By: Patrick Lynch, Authorized Signatory MTC Financial Inc. dba Trustee Corps 1700 Seventh Avenue, Suite 2100 Seattle WA 98101 Phone: (800) 409-7530 TDD: (800) 833-6388 For Reinstatement/Pay Off Quotes, contact MTC Financial Inc. DBA Trustee Corps TRUSTEE'S SALE INFORMATION CAN BE OBTAINED ONLINE AT www.Auction.com. Order No. WA15-000922-2, IDX-671460 Pub Dates 12/03/2015, 12/24/2015