Re: Reser, Benjamin & Nipaporn TS #60128-25524-NJ-WA APN #4720001870 Reference Number: 200603080328 Abbreviated Legal: LOT 30, BLK 3, INLET ISLAND, TOWN OF BONNEY LAKE, V23, P 10-13 Grantor: Benjamin E. Reser and Nipaporn Reser Grantee: North Cascade Trustee Services Inc. Original Beneficiary: IndyMac Bank, FSB NOTICE OF TRUSTEES 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. 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 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: Toll—free: 1-87-894-HOME (1-877-894-4663). Web site: http://www.dfi.wa.gov/consumers/homeownership/post_purchase_counselors_foreclosure.htm. The United States Department of Housing and Urban Development Telephone: Toll-free: 1-800-569-4287. 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. NOTICE IS HEREBY GIVEN that the undersigned Trustee will on January 29, 2016, at the hour of 10:00 AM at Pierce County Superior Courthouse, 2nd Floor Entry Plaza, 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 30, BLOCK 3, INLET ISLAND, TOWN OF BONNEY LAKE, ACCORDING TO THE PLAT THEREOF RECOREDED IN VOLUME 23 OF PLATS, PAGES 10 THROUGH 13, INCLUSIVE, IN PIERCE COUNTY, WASHINGTON. APN: 4720001870 More commonly known as: 20403 Cascade Drive East, Bonney Lake, WA 98391 which is subject to that certain Deed of Trust dated March 3,2006, recorded March 8,2006, under Auditor’s File No. 200603080328, records of Pierce County, Washington, from Benjamin E Reser and Nipaporn Reser, husband and wife, as Grantor, to Pacific Northwest Title, as Trustee, to secure an obligation in favor of IndyMac Bank, FSB as Beneficiary, the beneficial interest in which was assigned to Bank of America National Association a national banking association, as successor in interest by Merger to Merrill Lynch Bank U.S.A., a Utah Industrial Bank under an Assignment recorded on April 6,2015 under Auditor’s File 201504060658 in the official records in the Office of the Recorder of Pierce County, Washington. II. No action commenced by the current 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/Mortgage. III. The Beneficiary alleges default of the Deed of Trust for failure to pay the following amounts now in arrears and/or other defaults: Interest Due $44,172.23 Escrow Payment $13,125.94 Grand Total $57,298.17 IV. The sum owing on the obligation secured by the Deed of Trust is: Principal $329,746.89, together with interest as provided in the note or other instrument secured, and such other costs and fees as arc 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 January 29, 2016. The defaults referred to in paragraph III must be cured by January 18,2016(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 January 18, 2016 (11 days before the sale date), the defaults as set forth in paragraph III are cured and the Trustees fees and costs are paid. Payment must be in cash or with cashiers’ or certified check from a state or federally chartered bank. The sale may be terminated any time after January 18, 2016 (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 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: Benjamin E. Reser 20403 Cascade Dr. E Bonney Lake, WA 98391 Nipaporn Reser 20403 Cascade Dr. E Bonney Lake, WA 98391 Occupant 20403 Cascade Drive East Bonney Lake, WA 98391 by both first-class and certified mail on August 11,2015, 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 objection to the sale on any grounds whatsoever will be afforded art 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. 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 chapter 59.12 RCW. For tenant-occupied property, the purchaser shall provide a tenant with written notice in accordance with RCW 61.24.060. To access sale information, please go to salestrack.tdsf.com or call the automated sales line at: 888-988-6736. Dated: September 18, 2015 North Cascade Trustee Services Inc., Duly Appointed Successor Trustee By Katherine Forneret , Authorized Signatory 801 Second Avenue, Suite 600 Seattle, Washington 98104 Telephone 1 -855-676-9686 Tac#984916 IDX674571 Pub Dates: 12/30/15, 01/20/16