Re: Winters, Kenneth & Tasha NOTICE OF TRUSTEE'S SALE PURSUANT TO RCW CHAPTER 61.24 ET. SEQ. Abbrev. Legal: Lot 2 Idlewood Terrace Book 17 pg 52. Assessor's No. 4710000010. Grantor: Kenneth Winters and Tasha Winters; Grantee: Paul S. Cosgrove, Esq. (public); Ref. No. Deed of Trust Auditor's File No. 200703090808 records of Pierce County, Washington. TO: Resident of property subject to foreclosure sale, 8514 112th Street SW, Lakewood, WA 98498; Kenneth Winters and Tasha Winters, 8514 112th Street SW, Lakewood, WA 98498; Kenneth Winters and Tasha Winters, 8515 Idlewood Dr. SW, Lakewood, WA 98498; Kenneth Winters and Tasha Winters, 8514 112th Street SW, Tacoma, WA 98498; The Collection Group, LLC, C/O Leslie Alan Powers, 3502 Tieton Dr, Yakima WA 989023661; The Collection Group, LLC, c/o Alan Fair, Reg. Agent, 1697 N. Western Ave., Wenatchee, WA 98801; Midland Funding LLC, C/O Daniel N. Gordon, P.C 4023 W 1st Ave Eugene OR 97402; Midland Funding, LLC, c/o Matthew R. Aylworth, 4023 W 1st Ave P.O. Box 22338, Eugene OR 97402; Midland Funding, LLC, C/O Daniel N. Gordon, P.C, P.O. BOX 22338 Eugene OR 97402; Midland Funding LLC c/o Corporation Service Co, Reg. Agent, 300 Deschutes Way SW, Ste. 304, Tumwater, WA 98501; State of Washington, Dept of Employment Security, 212 Maple Park Ave SE, Olympia WA 98501; State of WA Dept of Revenue C/O Compliance Administration, 1025 Union Ave SE #500, Olympia WA 98504; State of Washington Dept. of Labor & Industries, P.O. BOX 44000, Olympia WA 98504-4000; Pierce County Sewer C/O Pierce Co Public Works & Utilities, 9850 64th ST W, University Place WA 98467-1078; Pierce County C/O Office of Prosecuting Attorney Civil Division, 955 Tacoma Ave South, Ste. 301, Tacoma WA 98402-2160; Pierce County C/O Robert P. Dick, Prosecutor's Office Civil Division, 955 Tacoma Ave South, Ste. 301, Tacoma WA 98402-2160; Internal Revenue Service c/o Technical Services Advisory Group Mgr., M/S W245, 915 2nd Ave., Seattle WA 98174. 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: phone Toll-free 1-877-894-4663 website: 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 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: Telephone Toll-free: 1-800-606-4819 http://nwjustice.org/what-clear 1. NOTICE IS HEREBY GIVEN that the undersigned Trustee, Paul S. Cosgrove, Esq., will on the 6th day of December, 2013 at the hour of 10:00 o'clock A.M. at outside 2nd floor entry plaza, west side of Pierce County-City building, 930 Tacoma Avenue South, in the City of Tacoma, State of Washington, 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 2, IDLEWOOD TERRACE, ACCORDING TO PLAT RECORDED IN BOOK 17 OF PLATS AT PAGE 52, RECORDS OF PIERCE COUNTY AUDITOR; SITUATE IN THE CITY OF LAKEWOOD, COUNTY OF PIERCE, STATE OF WASHINGTON. (The postal address is more commonly known as: 8514 112th Street SW, Lakewood, Washington) which is subject to that certain Deed of Trust dated February 27, 2007, recorded March 9, 2007, under Auditor's File No. 200703090808, records of Pierce County, Washington, from Kenneth Winters and Tasha Winters, husband and wife, as Grantors, to Paul S. Cosgrove, Esq., as Trustee, to secure an obligation in favor of Budget Finance Company, a corporation, as Beneficiary, the beneficial interest in which was assigned to Budget Funding I, LLC, a Delaware limited liability company, under an Assignment recorded under Auditor's File No. 200704120357 on April 12, 2007. 2. No action commenced by the Beneficiary of the Deed of Trust or the Beneficiary's successor is now pending to seek satisfaction of the obligation in any Court by reason of the Grantor's default in the obligation secured by the Deed of Trust. 3. 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: 8 monthly payments of $968.34 (variable) each from 12/1/ 2012 through 7/1/2013 is $7,746.69; Late charges of $48.41 (variable) for each monthly payment not made within 15 days of its due date is $389.25; Escrow Account Deficit/Advances is $8,377.47. TOTAL MONTHLY PAYMENTS, LATE CHARGES AND ESCROW ACCOUNT DEFICIT is $16,513.41. Additional Default: Delinquent Sewer Service Charges due to Pierce County Public Works (account 01270389) in the amount of $1,824.01 as of July 31, 2013. Proof of payment of Sewer Charges is required. 4. The sum owing on the obligation secured by the Deed of Trust is: Principal $101,289.69 together with interest as provided in the note or other instrument secured from the 1st day of December, 2012, and such other costs and fees as are due under the note or other instrument secured, and as are provided by statute. 5. 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 the 6th day of December, 2013. The default(s) referred to in paragraph 3 must be cured by the 25th day of November, 2013 (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 the 25th day of November, 2013 (11 days before the sale date), the default(s) as set forth in paragraph 3 is/are cured and the trustee's fees and costs are paid. The sale may be terminated any time after the 25th day of November, 2013 (11 days before the sale date), and before the sale by the Grantor or the Grantor's successor in interest 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. 6. A written notice of default was transmitted by the Beneficiary or Trustee to the Grantor or the Grantor's successor in interest at the following addresses: Kenneth Winters, 8514 112th Street SW, Lakewood, WA 98498; Tasha Winters, 8514 112th Street SW, Lakewood, WA 98498; Kenneth Winters, 8515 Idlewood Dr. SW, Lakewood, WA 98498; Tasha Winters, 8515 Idlewood Dr. SW, Lakewood, WA 98498 by both first class and certified mail on the 30th day of May, 2013, proof of which is in the possession of the Trustee; and the Grantor or the Grantor's successor in interest was personally served on the 30th day of May, 2013, 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 1 above, and the Trustee has possession of proof of such service or posting. 7. After receiving a request for a statement of all costs and fees due at any time prior to the sale from any person entitled to notice under RCW 61.24.040(1)(b), the Trustee whose name and address are set forth below will provide the requested statement in writing to such pers
on. 8. 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. 9. Anyone having any objection 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 a lawsuit may result in a waiver of any proper grounds for invalidating the Trustee's sale. 10. 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. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Dated July 15, 2013. /s/ Paul S. Cosgrove, Esq., Trustee. Washington State Bar #14013. LINDSAY HART, LLP, 220 NW Skyline Blvd., Portland, OR 97210. Phone: (503) 291-6700 or (503) 9568139 pcosgrove@lindsayhart.com . TS #66025-337. November 1, 22