Notice of Trustee’s Sale – Michelle Anne Ensinger

NOTICE OF TRUSTEE’S SALE

PURSUANT TO THE REVISED CODE OF WASHINGTON
CHAPTER 61.24, ET. SEQ.

I.
NOTICE IS HEREBY GIVEN that the undersigned Trustee will on the 4th day of April, 2014, at the hour of 10:00 o’clock A. M. in the lobby of the Whatcom County Courthouse, 311 Grand Avenue, City of Bellingham, 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 Whatcom, State of Washington, towit:

LOTS 2 & 3, PLAT OF JOHN WAGNER’S 2 ½ ACRE TRACTS, ACCORDING TO THE PLAT THEREOF, RECORDED IN VOLUME 3 OF PLATS, PAGE 3, RECORDS OF WHATCOM COUNTY, WASHINGTON, EXCEPT PORTION EAST OF BOUNDARY LINE ESTABLISHED UNDER CIVIL CAUSE NO. 94-2-02073-7, AND EXCEPT COUNTY ROAD ALONG THE EASTERLY BOUNDARY THEREOF, SITUATE IN WHATCOM COUNTY, WASHINGTON.

TAX PARCEL NO. 400105 295117 0000
APN/Parcel ID # 113528

which is subject to that certain Deed of Trust dated June 28, 2010, recorded on July 15, 2010, under Auditor’s File No. 2100701365, records of Whatcom County, Washington, from Michelle Anne Ensinger, individually and as PR for the Estate of Guy Argus Ensinger, as Grantor, to Whatcom Land Title Company, Inc., as Trustee, to secure an obligation in favor of Security First Mortgage Inc., as Beneficiary, and in which Security First Mortgage, Inc. assigned its Beneficiary position to Diane Lynn Minor TTEE Langdon Dynastic Trust on June 28, 2010 pursuant to the Assignment of Deed of Trust recorded with the Whatcom County Auditor on July 15, 2010 under Auditor’s File No. 2100701365.
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.
III.
The beneficiary alleges default of the Deed of Trust for failure to pay the following amounts now in arrears/or other defaults:
Principal balance due $55,920.48
Accrued interest to December 2, 2013 (with $7,932.05 a $18..385 per diem thereafter)
Collection Account
Administrative Fee $225.00
Closing/Foreclosure Fee $200.00
Late Charges $139.80
Attorney Fees $1000.00
Trustee Reconveyance Fee $90.00
Recording Fees $93.00
Title Report $576.11
Service/Postings $250.00
Postage $50.00
Publication $900.00
Total Amount Due: $67,376.44
IV.
The sum owing on the obligation secured by the Deed of Trust is: Principal $55,920.48, together with interest as provided in the note or other instrument secured from the 31st day of October, 2012, and such other costs and fees as are 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 the 4th day of April, 2014. This obligation must be paid in full before April 4, 2014 to cause a discontinuance of the sale. The sale will be discontinued and terminated if at any time before the sale of April 4, 2014 the obligation is paid in full including all unpaid accrued interest and the Trustee’s fees and costs described above are paid. The sale may be terminated any time before the April 4, 2014 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 address:

Michelle Anne Ensinger
PMB 182, 936 Peace Portal Drive
Blaine, Washington 98230

by both first class and certified mail on the 30th day of October, 2013, proof of which is in the possession of the Trustee; and the Borrower and Grantor were personally served on the 18th day of October, 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 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 of 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 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.
X.
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, and tenants. After the 20th day following the sale the purchaser has the right to evict occupants and tenants by summary proceedings under the unlawful detainer act, Chapter 59.12RCW.

DATED this 2nd day of December, 2013.

James M. Doran, Trustee
Address: 1577 Ten Mile Road
Everson, Washington 98247
Phone: (360) 220 4383

FAIR DEBT COLLECTION PRACTICES ACT NOTICE
UNLESS YOU NOTIFY THIS OFFICE WITHIN 30 DAYS AFTER RECEIVING THIS NOTICE THAT YOU DISPUTE THE VALIDITY OF THE DEBT OR ANY PORTION THEREOF, THIS OFFICE WILL ASSUME THIS DEBT IS VALID. IF YOU NOTIFY THIS OFFICE OF ANY SUCH DISPUTE IN WRITING WITHIN 30 DAYS FROM RECEIVING THIS NOTICE, THIS OFFICE WILL OBTAIN VERIFICATION OF THE DEBT OR OBTAIN A COPY OF A JUDGMENT, IF ANY, AND WILL MAIL YOU A COPY OF SUCH VERIFICATION OR JUDGMENT. IF REQUESTED BY YOU IN WRITING WITHIN 30 DAYS AFTER RECEIVING THIS NOTICE, THIS OFFICE WILL PROVIDE YOU WITH THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR, IF DIFFERENT FROM THE CURRENT CREDITOR. ANY SUCH REQUEST MAY NOT PREVENT US FROM FILING A LAWSUIT, OR FROM PROCEEDING WITH A LAWSUIT, IF ONE HAS BEEN FILED, WITHIN THE ABOVE TIME PERIODS.

Published March 5 & 26, 2014