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PUBLIC NOTICES PUBLIC NOTICES
PUBLIC NOTICE
File No.: 7023.107556 Grantors: Northwest
Trustee Services, Inc. Wells Fargo Bank, N.A.
Grantee:Yvonne Alleen Chapman, as her sepa-
rate property Ref to DOT Auditor File No.:
1896766 Tax Parcel I D No.: 22005 51 00013 Ab-
breviated Legal: Lt 13, Phillips Lake Div. No. 2,
V/P 4/97, Mason Co., WA Notice of Trustee's
Sale Pursuant to the Revised Code of Washing-
ton 61.24, et seq. 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 COUN-
SELOR 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 op-
portunities 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 Commis-
sion Telephone: Toll-free: 1-877-894-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/fo/index.
cfm ?webUstAction=search&searchstate=WA&fil
terSvc=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. On March 7, 2014, at 10:00 AM. in-
side the main lobby of the Mason County Court-
house, Corner of 4th St. and Alder St. in the City
of Shelton, State of Washington, the undersigned
Trustee (subject to any conditions imposed by
the Trustee) will sell at public auction to the high-
est and best bidder, payable at time of sale, the
following described real property "Property", situ-
ated in the County(ies) of MASON, State of
Washington: Lot 13, Phillips Lake Division No. 2,
as per Plat recorded in Volume 4 of Plats, Page
97, Records of Mason County, Washington.
Commonly known as: 860 East Phillips Lake
Loop Road Shelton, WA 98584 which is subject
to that certain Deed of Trust dated 05/15/07, re-
corded on 05/22/07, under Auditor's File No.
1896766, records of MASON County, Washing-
ton, from Yvonne Arleen Chapman, a single
woman, as Grantor, to First American Title Insur-
ance Company, as Trustee, to secure an obliga-
tion "Obligation" in favor of Mortgage Electronic
Registration Systems, Inc. as nominee for Ward
Lending Group, LLC, its successors and assigns,
as Beneficiary, the beneficial interest in which
was assigned by Mortgage Electronic Registra-
tion Systems, Inc. as nominee for Ward Lending
Group, LLC, its successors and assigns to Wells
Fargo Bank, N.A., under an Assignment/Succes-
sive Assignments recorded under Auditor's File
No. 1979055. *The Tax Parcel ID number and Ab-
breviated Legal Description are provided solely
to comply with the recording statutes and are not
intended to supplement, amend or supersede
the Property's full legal description provided
herein. II. No action commenced by the Benefi-
ciary of the Deed of Trust is now pending to seek
satisfaction of the Obligation in any Court by rea-
son of the Grantor's or Borrower's default on the
Obligation secured by the Deed of Trust. II1. The
Beneficiary alleges default of the Deed of Trust
for failure to pay the following amounts now in
arrears and/or other defaults: Amount due to re-
instate as of 10/28/2013 Monthly Payments
$66,985.47 Late Charges $1,487.55 Lender's
Fees & Costs $290.00 Total Arrearage
$68,763.02 Trustee's Expenses (Itemization)
Trustee's Fee $300.00 Title Report $865.54 Stat-
utory Mailings $36.89 Recording Costs $14.00
Postings $70.00 Sale Costs $0.00 Total Costs
$1,286.43 Total Amount Due: $70,049.45 Other
known defaults as follows: IV. The sum owing on
the Obligation is: Principal Balance of
$305,810.03, together with interest as provided
in the note or other instrument evidencing the
Obligation from 05/01/11, and such other costs
and fees as are due under the ObJigation, and as
are provided by statute. V. The Property will be
sold to satisfy the expense of sale and the Obli-
gation as provided by statute. The sale will be
made without representation or warranty, ex-
press or implied regarding title, possession, en-
cumbrances or condition of the Property on
March 7, 2014.The default(s) referred to in para-
graph III, together with any subsequent pay-
ments, late charges, advances costs and fees
thereafter due, must be cured by 02/24/14 (11
days before the sale date), to cause a discontinu-
ance of the sale. The sale will be discontinued
and terminated if at any time before 02/24/14 (11
days before the sale date), the default(s) as set
forth in paragraph III, together with any subse-
quent payments, late charges, advances, costs
and fees thereafter due, is/are cured and the
Trustee's fees and costs are paid. The sale may
be terminated any time after 02/24/14 (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 pay-
ing the entire balance of 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. Vl. A written notice of default
was transmitted by the Beneficiary or Trustee to
the Borrower and Grantor at the following
address(es): NAME AND ADDRESS Yvonne AI-
leen Chapman aka Yvonne Mingus Denmark
860 East Phillips Lake Loop Road Shelton, WA
98584 Unknown Spouse and/or Domestic Part-
ner of Yvonne Alleen Chapman aka Yvonne Min-
gus Denmark 860 East Phillips Lake Loop Road
Shelton, WA 98584 Yvonne Alleen Chapman aka
Yvonne Mingus Denmark 15910 3rd Place
Southwest Apt A Burien, WA 98166-3034 Un-
known Spouse and/or Domestic Partner of
Yvonne Alleen Chapman aka Yvonne Mingus
Denmark 15910 3rd Place Southwest Apt A Bur-
ien, WA 98166-3034 Yvonne Alleen Chapman
aka Yvonne Mingus Denmark c/o Yvonne Kym
Chapman 860 East Phillips Lake Loop Road
Shelton, WA 98584 Yvonne Alleen Chapman aka
Yvonne Mingus Denmark 637 West US Highway
50 O'Fallon, IL 62269-1941 Unknown Spouse
and/or Domestic Partner of Yvonne Alleen Chap-
man aka Yvonne Mingus Denmark 637 West US
Highway 50 O'Fallon, IL 62269-1941 by both first
class and certified mail, return receipt requested
on 09/27/13, proof of which is in the possession
of the Trustee; and on 09/27/13 Grantor and Bor-
rower were personally served with said writn
notice of default or the written notice of default
was posted on 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 ad-
dress are set forth below, will provide in writing to
anyone requesting it a statement of all costs and
trustee's 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 un-
der the Grantor of all their interest in the Proper-
ty. IX. Anyone having any objection to the sale on
any grounds whatsoever will be afforded an op-
portunity 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 law-
suit 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
PUBLIC NOTICES
61.24.060. The trustee's rules of auction may be
accessed at www.northwesttrustee.com and are
incorporated by this reference. You may also ac-
cess sale status at www.northwesttrustee.com
and www.USA-Foreclosure.com. EFFECTIVE:
10/28/2013 Date Executed: Northwest Trustee
Services, Inc., Trustee Authorized Signature P.O.
BOX 997 Bellevue, WA 98009-0997 Contact:
Vonnie McEIligott (425) 586-1900. (TS#
7023.107556) 1002.257660-File No.
6854 February 6, 27 2t
PUBLIC NOTICE
Notice of Trustee's Sale
(1) Christine A. Ford 2) Our Community
Federal Credit Union. Additional on page Grant.
Grantee Greg H. Stairs Additional on page.
Legal description: PTN LTS 11-13m GIlD CA-
BAK KABD & UNO (RSKT OCK 9 BKA 10-13)
Additional on page. Assessor's Tax Parcel ID#
32232 50 19011. Pursuant to the revised code
of Washington Chapter 61.24, Et. Seq: TO: Greg
H. Stairs, 271 E Main St, Union WA 98592.
Resident of property subject to foreclosure sale.
271 E. Main St, Union WA 98592. NOTICE IS
HEREBY GIVEN that the undersigned Trustee
will on March 7, 2014 at the hour of 10:00 o'clock
a.m., at Mason County Superior Courthouse in
thE City of Shelton, State of Washington, sell
at public auction to the highest and best bidder,
payable at the time of sale, the following de-
scribed real property, situated in the County(ies)
of Mason, State of Washington, to-wi.t: See At-
tached Exhibit "A" (commonly known as 271 E
Main St, Union WA 98592) which is subject to
that certain Deed of Trust dated October 23,
2009, recorded in volume/reel of mortgages/ ,
page/frame, under Auditor's/Recorder's File No.
1948378, records 'OfMason County, Washing-
ton, from GREG H. STAIRS, an unmarried man,
as his separate estate, as Grantor, to Trustee
Services Inc., as Trustee, to secure an obliga-
tion in favor of Our Community Federal Credit
Union as Beneficiary, the beneficial interes in
which was assigned to N/A under an Assign-
ment dated N/A, and recorded under Auditor's/
Recorder's No. N/A. 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 rea-
son of the Borrower's or Grantor's default, on
the obligation secured by the Deed of Trust. The
default(s} for which this foreclosure is made is/
lire as follows: Any real estate tsxes or assess-
ments currently due and owing or which may be-
come due prior to reinstatement or sale.Failure
to pay when due the following amounts which
are now in arrears Monthly Payment: 10 monthly
payments at $114.78 each; (February 28, 2013
through November 14, 2013) $1,147.80. Late
charges: Total late charges of $34.94 of/for each
monthly payment not made by 31 days past due
date $34.94TOTAL MONTHLY PAYMENTS AND
LATE CHARGES: $11,82.74. The sum owing on
the obligation secured by the Deed of Trust IS:
Principal $15,000.00, together with interest as
provided in the note or other instrument secured
from August 1,2013, and such other costs and
fees AS are due under the note or other insLru-
ment secured, and as are provided by statute.
The above described real property will be sold
to satisfy the expense of sale and the obliga-
tion secured by the Deed of Trust AS provided
by statute. The sale will be without warranty, ex-
press or implied, regarding title, possession, or
encumbrances on March 7, 2014. The default(s}
referred to in paragraph III must be cured by
February 24, 2014, (11 days before the sale
data) to cause a discontinuance,of the sale.
The sale will be discontinued and terminated
if at anytime on or before February 24, 2014,
(11 days before the sale date) the default(s}
as set forth in paragraph Ill is/are cured and
the Trustee's fees and costs are paid. The sale
may be terminated any time after the FebruAry
24, 2014 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
PUBLIC NOTICES
Deed of Trust, plus costs, fees, And advances,
if any, made pursuant to the terms of the obliga-
tion and/or Deed of Trust, And curing all other
defaults. A written notice of default was transmit-
ted by the Beneficiary or Trustee to the Borrower
and Grantor at the following addresses: Name &
Address: GREG H. STAIRS 271 E Main St Union
WA 98592 by both first class and certified mail
on November 14, 2013, proof of which is in the
possession of the Trustee; and the Borrower and
Grantor were personally served 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. 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. The effect of the sale will be to deprive
the Grantor and all those who hold bu, through
or under the Grantor of all their interest in the
above-described property. 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 RCS 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 fol-
lowing the sale, as against the grantor under the
deed of trust (the owner) lind anyone having an
interest junior to the deed of trust, includin oc-
cupants who are not tenants. After the 20th day
following the sale the purchaser has the right to
evict occupants who are not tenants by sum-
mary proceedings under Chapter 59.12 RCW.
For tenant-occupied property, the purchaser
shall provide anotice in accordance with RCW
61.24.060. DATED11/14/2013 CHRISTINE A.
FORD, P.S, Attorney at Law 7403 Lakewood Dr.
W. #11 Lakewood, WA 98499-7951 (253) 472-
9747 STATE OF WASHINGTON, COUNTY OF
PIERCE On this day personally appeared before
me Christine A. Ford To me known to be the indi-
vidual described in and who executed the wiThin
the foregoing instrument, and acknowledged
that she signed the same as her free and volun-
tary act and deed, for the USES and purposes
therein mentioned. Given under my hand and of-
ficial seal this 14th day of November, 2013. Rose
Reeve Notary Public in and fo the State of Wash-
ington Residing at Tacoma My Commission ex-
pires 5/9/17. EXHIBIT"A" DESCRIPTION: PAR-
CEL I: Lots I I -13, Block 19, Plat of Hood Canal
Land and Improvement Company's Plat of Union
City, recorded in Volume 1 of Plats, page 9, re-
cords of Mason County. Washington. TOGETH-
ER WITH all that portion of vacated Main Street
adjoining said lots on the West. PARCEL 2: A
non-exclusive casement for ingress, egress, and
utility purposes, as established in instnunent re-
corded September 12, 2008, under Auditor's File
No. 1927591, being a portion of vacated Main
Strcellying between Blocks 19 and 20, Plat of
Hood Canal Land and Improvemen Company's
Plat of Union City, recorded in Volume I of Plat,
page 9, records of Mason County, Washington.
MORE ACCURATELY DESCRIBED AS FOL-
LOWS: DESCRIPTION: PARCEL I: Resultant
Parcel 9 of Boundary Line Adjustment 10-13 re-
corded December 28, 2012, under Auditor's File
Nos 2000927 and 2000928, being a porlion of
Lots I I -I 3, Block 19, Plat of Hood Canal Land
and Improvement Company's Plat of Union City
recorded in Volume 1 of Plats, Page 9, records
of Mason County, Washington. PARCEL 2: A
non-exclusive casement for ingress, egress and
utility purposes, as established in instrument re-
corded September 12, 2008, coder Auditor's File
No. 192759 I, being a portion of vacated Main
Streellying between Blocks 19 and 20, Plal of
Hood Canal Land and Improvement Company's
Plat of Union City, recorded in Volume 1 of Plals,
Page 9, records of Mason County, Washington.
6836 February 6, 27 2t
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