Re: YOUNG, LAWRENCE J & DEBBIE TS No.: WA-14-619264-TC APN No.: 022025-4114 Title Order No.: 140077311-WA-MSI Grantor(s): LAWRENCE J YOUNG, DEBBIE E YOUNG Grantee(s): MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS NOMINEE FOR WMC MORTGAGE CORP. Deed of Trust Instrument/Reference No.: 200504210893 NOTICE OF TRUSTEE'S SALE Pursuant to the Revised Code of Washington 61.24, et. seq. I. NOTICE IS HEREBY GIVEN that Quality Loan Service Corp. of Washington, the undersigned Trustee, will on 1/16/2015, at 10:00 AM at the 2nd floor entry plaza of the Superior Courthouse, 930 Tacoma Avenue South, Tacoma, WA 98402 sell at public auction to the highest and best bidder, payable in the form of credit bid or cash bid in the form of 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: COMMENCING ON THE EAST LINE OF SOUTH TYLER STREET ( IN JOHN RIGNEY DONATION LAND CLAIM) AT A POINT 243 FEET NORTH OF THE POINT OF INTERSECTION OF THE NORTH LINE OF SOUTH 74TH STREET IN TACOMA, IN PIERCE COUNTY, WASHINGTON, THE EAST LINE OF SOUTH TYLER STREET; THENCE NORTH ON THE EAST LINE OF SOUTH TYLER STREET 81 FEET; THENCE EAST PARALLEL WITH THE NORTH LINE OF SOUTH 74TH STREET 290 FEET; THENCE SOUTH PARALLEL WITH THE EAST LINE OF SAID SOUTH TYLER STREET 81 FEET; THENCE WEST 290 FEET TO THE TRUE POINT OF BEGINNING; EXCEPT THE WEST 130 FEET THEREOF; AND ALSO EXCEPT THE EAST 30 FEET THEREOF. More commonly known as: 7228 S MONROE ST, TACOMA, WA 98409 which is subject to that certain Deed of Trust dated 4/18/2005, recorded 4/21/2005, under 200504210893 records of PIERCE County, Washington, from LAWRENCE J YOUNG AND DEBBIE E YOUNG, as Grantor(s), to BISHOP & LYNCH OF KING COUNTY, as Trustee, to secure an obligation in favor of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS NOMINEE FOR WMC MORTGAGE CORP., as Beneficiary, the beneficial interest in which was assigned by MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS NOMINEE FOR WMC MORTGAGE CORP. (or by its successors-in-interest and/or assigns, if any), to Wells Fargo Bank, N.A., as Trustee, in trust for the registered holders of Morgan Stanley ABS Capital I Trust 2005-HE5, Mortgage Pass-Through Certificates, Series 2005-HE5. 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/Mortgage. 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: $137,027.88 IV. The sum owing on the obligation secured by the Deed of Trust is: The principal sum of $232,275.39, together with interest as provided in the Note from the 9/1/ 2008, and such other costs and fees 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 1/ 16/2015. The defaults referred to in Paragraph III must be cured by 1/5/ 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 1/5/ 2015 (11 days before the sale) the default as set forth in Paragraph III is cured and the Trustee's 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 1/5/2015 (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, 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 address(es): NAME LAWRENCE J YOUNG AND DEBBIE E YOUNG ADDRESS 7228 S MONROE ST, TACOMA, WA 98409 by both first class and certified mail, 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. These requirements were completed as of 8/6/2014. 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 Trustee's sale. 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 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 Housing Finance Commission: Toll-free: 1-877894-HOME (1-877-894-4663) or Web site: http://www.dfi.wa.gov/consumers/homeownership/ post_purchase_counselors_foreclosure.htm. The United States Department of Housing and Urban Development: Toll-free: 1-800-569-4287 or National Web Site: http://portal.hud.gov/hudportal/HUD or for 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: 1-800-606-4819 or Web site: http:// nwjustice.org/what-clear. If the sale is set aside for any reason, including if the Trustee is unable to convey title, the Purchaser at the sale shall be entitled only to a return of the monies paid to the Trustee. This shall be the Purchaser's sole and exclusive remedy. The purchaser shall have no further recourse against the Trustor, the Trustee, the Beneficiary, the Beneficiary's Agent, or the Beneficiary's Attorney. If you have previously been discharged through bankruptcy, you may have been released of personal liability for this loan in which case this letter is intended to exercise the note holders right's against the real property only. QUALITY MAY BE CONSIDERED A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. As required by law,
you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit report agency if you fail to fulfill the terms of your credit obligations. Dated: 9/17/2014 Quality Loan Service Corp. of Washington, as Trustee By: Maria Montana, Assistant Secretary Trustee's Mailing Address: Quality Loan Service Corp. of Washington C/ O Quality Loan Service Corp. 411 Ivy Street, San Diego, CA 92101 (866) 645-7711 Trustee's Physical Address: Quality Loan Service Corp. of Washington 108 1st Ave South, Suite 202 Seattle, WA 98104 (866) 925-0241 Sale Line: 714-573-1965 Or Login to: http://wa.qualityloan.com TS No.: WA14-619264-TC P1109271 12/15, 01/05/2015