Re: RUTHRUFF JR, ARTHUR D & DONNA TS #60267-02996-NJ-WA APN #502700-0141 -— Reference Number: 200907090180 Abbreviated Legal: LOTS l4&15, LAKE SERENE. BOOK 40, P. 55-57 PIERCE COUNTY Grantor: ARTHUR D. RUTHRUFF JR and DONNA JEAN RUTHRUFF Grantee: North Cascade Trustee Services Inc. OriginalBeneficiary: MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. (“MERS”), as designated nominee for BANK OF AMERICA. NA. 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. 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: 1-877-894-HOME (1-877-894-4663). Web site: http://www.dfi.wa.gov/consumers/homewownership/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.gove/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 December 18, 2015, 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: PARCEL A: LOTS 14 AND 15 OF LAKE SERENE. ACCORDING TO PLAT RECORDED IN BOOK 40 OF PLATS AT PAGE(S) 55, 56 AND 57, IN PIERCE COUNTY, WASHINGTON. (ALSO DESCRIBED AS PARCEL “B” DECLARATION OF LOT COMBINATION RECORDED UNDER AUDITOR’S NO. 9210020222.) PARCEL B: A NON-EXCLUSIVE EASEMENT FOR INGRESS AND EGRESS AS DELINEATED ON THE SAID PLAT. HUD LABEL: ORE 229116 AND 220117, MAKE: LIBERTY, MODEL: LIBERTY. SERIAL NUMBER #09L25782XU. EAR: 1992. WHICH BY INTENTION OF THE PARTIES SHALL CONSTITUTE A PART OF THE REALTY AND SHALL PASS WITH IT. APN: 502700-0141 More commonly known as: 31425 61ST AVE S, Roy, WA 98580 which is subject to that certain Deed of Trust dated July 7, 2009, recorded July 9, 2009, under Auditor’s File No. 200907090180, records of Pierce County, Washington, from DONNA JEAN RUTHRUFF, ANT) ARTHUR 0 RUTHRUFF JR, WIFE AND HUSBAND., as Grantor, to LS TITLE OF WASHINGTON, as Trustee, to secure an obligation in favor of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. (“MERS’). as designated nominee for BANK OF AMERICA, N.A. as Beneficiary, the beneficial interest in which was assigned to BANK OF AMERICA, NA, Successor by Merger to BAC HOME LOANS SERVICING LP, FKA COUNTRYWIDE HOME LOANS SERVICING, LP, under an Assignment recorded on June 14, 2010 under Auditor’s File 201006140627 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: Payments $59,316.81 Late Charges $2,406.89 Suspense Balance $-4.20 Uncollected Fees $2,882.75 Recoverable Advances $3,269. 00 Grand Total $67,871.25 IV. The sum owing on the obligation secured by the Deed of Trust is: Principal $115,301.67, 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. 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 December 18. 2015. The defaults referred to in paragraph III must be cured by December 7, 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 7, 2015 (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 OT with cashiers’ or certified check from a stare or federally chartered bank. The sale may be terminated any time after December 7, 2015 (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: ARTHUR D. RUTH RUFF JR 31425 61ST AVE S Roy, WA 98580 ARTHUR D. RUTHRUFF JR 10450 6 MILE RD LOT 274 RATTLE CREEK, MI 49015 ARTHUR D. RUTH RUFF JR 4567 SCHOONER AVENUE LAKELAND, FL 33805 DONNA JEAN RUTHRUFF 31425 61ST AVE S Roy, WA 98580 DONNA JEAN RUTHRUFF 10450 6 MILE RD LOT 274 BATTLE CREEK, MI 49015 DONNA JEAN RUTHRUFF 4567 SCHOONER AVENUE LAKELAND, FL 33805 OCCUPANT 31425 61ST AVE S Roy, WA 98580 by both first-class and certified mail on June 12, 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 an opportunity to be heard as o 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 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: August 2015 North Cascade Trustee Services Inc. Duly Appointed Successor Trustee By Ryan Watkins, Authorized Signatory 801 Second Avenue, Suite 600 Seattle, Washington 981
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