Home News Public Notices Public notices for the day of March 9, 2011
Public notices for the day of March 9, 2011
Public notices for the day of March 9, 2011
Loan No. 310125
Trustee No. 40015.381/msg
Successor Trustee: Julie B. Hamilton
TRUSTEE’S NOTICE OF SALE
Pursuant to O.R.S. 86.705, et seq and O.R.S. 79.5010, et seq
Reverence is made to that certain trust deed made, executed, and delivered by Deena Leonard, a single person, as Grantor, to Eastern Oregon Title, Inc., as Trustee, to secure certain obligations in favor of Mann Financial Inc., d/b/a Westcorp Mortgage, as Beneficiary, dated November 26, 2003, and recorded on December 2, 2033, in the Mortgage records of Union County, Oregon, under File No. 20038045. The beneficial interest under said Trust Deed and the obligations secured thereby are presently held by Oregon Housing and Community Services Department, State of Oregon by assignment of deed of trust recorded on December 2, 2003, in the Mortgage records of Union County, Oregon under File No. 20038046. Said Trust Deed encumbers the following described real property situated in said county and state, to-wit:
LOT NUMBERED SEVEN (7) IN BLOCK NUMBERED SEVEN (7) IN GRANDY’S ADDITION TO LA GRANDE, UNION COUNTY, OREGON ACCORDING TO THE RECORDED PLAT OF SAID ADDITION;
The street address or other common designation, if any, of the real property described above is purported to be:
2014 3rd Street, La Grande, Oregon 97850
The undersigned Trustee disclaims any liability for any incorrrectness of the above street address or other common designation.
Both the beneficiary and the trustee have elected to sell the said real property to satisfy the obligations secured by said trust deed and a notice of default has been recorded pursuant to Oregon Revised Statutes 86.735(3). The default for which the foreclosure is made is grantor’s failure to pay wen due, the following sums:
5 Monthly payments of $631.00 due from
July 1, 2011 through November 1, 2010: $4,155.00
5 Late Charges of $22.55, due on each payment no paid
within 15 days of it due date, for monthly payments due
on July 1, 2010, through November 1, 2010: $112.75
Advances by Lender:
Additional Late Charge Balance: $184.88
Property Inspection Fees: $24.00
Sub-Total of Monthly Payments,
Late Charges, and Advances in arrears: $3,476.63
ALSO, if you have failed to pay taxes on the property, provide insurance on the property or pay other senior liens or encumbrances as required in the note and deed of trust, the beneficiary may insist that you do so in order to reinstate your account in good standing. The beneficiary may require as a condition to reinstatement that you provide reliable written evidence that you have paid all senior liens or encumbrances, property taxes, and hazard insurance premiums. These requirements for reinstatement should be confirmed by contacting the undersigned Trustee.
By reason of said default, the beneficiary has declared all sums owing on the obligation secured by said trust deed immediately due and payable, said sums being the following:
UNPAID PRINCIPAL BALANCE OF $74,960.24, AS OF JUNE 1, 2010, PLUS FROM THAT DATE UNTIL PAID, ACCRUED AND ACCRUING INTEREST AT THE RATE OF 4.950% PER ANNUM, PLUS ANY LATE CHARGES, ESCROW ADVANCES, FORECLOSURE COSTS, TRUSTEE’S FEES, ATTORNEYS’ FEES, SUMS REQUIRED FOR PROTECTION OF THE PROPERTY AND ADDITIONAL SUMS SECURED BY THE TRUST DEED.
WHEREFORE, notice hereby is given that the undersigned trustee will, on April 15, 2011, at the hour of 10:00 am, in accord with the standard of time established by ORS 187.110, at the front entrance of the Union County Courthouse, 1008 K Avenue, City of La Grande, County of Union, State of Oregon, sell at public auction to the highest budder for cash, the interest in the said described real property which the grantor had or had power to convey at the time of the execution by him of the said trust deed, together with any interest which the grantor or his successors in interest acquired after the execution of said trust deed, to satisfy the foregoing obligations thereby secured and the costs and expenses of sale, including a reasonable charge by the trustee.
Notice is further given that any person named in ORS 86.753 has the right, at any time prior to five days before the date last set for the sale, to have this foreclosure proceeding dismissed and the trust deed reinstated by payment to the beneficiary of the entire amount then due (other than such portion of the principal as would not then be due had no default occurred) and by curing any other default complained of herein that is capable of being cured by tendering the performance required under the obligation or trust deed, and in addition to paying said sums or tendering the performance necessary to cure the default, by paying all costs and expenses actually incurred in enforcing the obligation and trust deed, together with trustee’s and attorney’s fees. Notice is also given that any person named in ORS 86.753 has the right to bring a court action to assert the nonexistence of a default or any other defense to acceleration and sale.
NOTICE TO TENANTS:
IF YOU ARE A TENANT OF THIS PROPERTY, FORECLOSURE WOULD AFFECT YOUR RENTAL AGREEMENT. A PURCHASER WHO BUYS THIS PROPERTY AT A FORECLOSURE SALE HAS THE RIGHT TO REQUIRE YOU TO MOVE OUT AFTER GIVING YO NOTICE OF THE REQUIREMENT.
IF YOU DO NOT HAVE A FIXES-TERM LEASE, THE PURCHASER MAY REQUIRE YOU TO MOVE OUT AFTER GIVING YOU A 30-DAY NOTICE ON OR AFTER THE DATE OF THE SALE.
IF YOU HAVE A FIXED-TERM LEASE, YOU MAY BE ENTITLED TO RECEIVE AFTER THE DATE OF THIS SALE A 60-DAY NOTICE OF THE PURCHASER’S REQUIREMENT THAT YOU MOVE OUT.
TO BE ENTITLED TO EITHER, A 30-DAY OR 60-DAY NOTICE, YOU MUST GIVE THE TRUSTEE OF THE PROPERTY WRITTEN EVIDENCE OF YOUR RENTAL AGREEMENT AT LEAST 30 DAYS BEFORE THE DATE FIRST SET FOR THE SALE. IF YOU HAVE A FIXED-TERM LEASE, YOU MUST GIVE THE TRUSTEE A COPY OF THE RENTAL AGREEMENT. IF YOU DO NOT HAVE A FIXED-TERM LEASE AND CANNOT PROVIDE A COPY OF THE RENTAL AGREEMENT, YOU MAY GIVE THE TRUSTEE OTHER WRITTEN EVIDENCE OF THE EXISTENCE OF THE RENTAL AGREEMENT. THE DATE THAT IS 30 DAYS BEFORE THE DATE OF THE SALE IS MARCH 16, 2011. THE NAME OF THE TRUSTEE AND THE TRUSTEE’S MAILING ADDRESS ARE LISTED ON THIS NOTICE.
FEDERAL LAY MAY GRANT YOU ADDITIONAL RIGHTS, INCLUDING A RIGHT TO A LONGER NOTICE PERIOD. CONSULT A LAWYER FOR MORE INFORMATION ABOUT YOUR RIGHTS UNDER FEDERAL LAW.
YOU HAVE THE RIGHT TO APPLY YOUR SECURITY DEPOSIT AND ANY RENT YOU PREPAID TOWARD YOUR CURRENT OBLIGATION UNDER YOUR RENTAL AGREEMENT. IF YOU WANT TO DO SO, YOU MUST NOTIFY YOUR LANDLORD IN WRITING AND IN ADVANCE THAT YOU INTEND TO DO SO.
IF YOU BELIEVE YOU NEED LEGAL ASSISTANCE WITH THIS MATTER, YOU MAY CONTACT THE OREGON STATE BAR AND ASK FOR THE LAWYER REFERRAL SERVICE. CONTACT INFORMATION FOR THE OREGON STATE BAR IS INCLUDED WITH THIS NOTICE. IF YO HAVE A LOW INCOME AND MEET FEDERAL POVERTY GUIDELINES, YOU MAY BE ELIGIBLE FOR FREE LEGAL ASSISTANCE. CONTACT INFORMATION FOR WHERE YOU CAN OBTAIN FREE LEGAL ASSISTANCE IS INCLUDED WITH THIS NOTICE.
In construing this notice, the masculine gender includes the feminine and the neuter, the singular includes the plural, the word “grantor” includes any successor in interest to the grantor as well as any other person owing an obligation, the performance of which is secured by said trust deed, and the words “trustee” and “beneficiary” include their respective successors in interest, if any.
THIS COMMUNICATION IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION WILL BE USED FOR THAT PURPOSE. UNLESS YOU NOTIFY US WITHIN 30 DAYS AFTER RECEIVING THIS LETTER THAT YOU DISPUTE THE VALIDITY OF THE DEBT, OR ANY PORTION OF IT, WE WILL ASSUME THE DEBT IS VALID. IF YOU NOTIFY US, IN WRITING WITHIN 30 DAYS AFTER RECEIPT OF THIS LETTER TAT YOU DO DISPUTE THE DEBT OR ANY PORTION OF IT, WE WILL PROVIDE VERIFICATION BY MAILING YOU A COPY OF THE RECORDS. IF YOU SO REQUEST, IN WRITING, WITHIN 30 DAYS AFTER RECEIPT OF THIS NOTICE, WE WILL PROVIDE YOU WITH THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR IF DIFFERENT FROM THE CURRENT CREDITOR.
THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
DATED this 2nd day of December, 2010.
JULIE B. HAMILTON, Oregon Bar #092650
c/o Hillis Clark Martin & Petersen, P.S.
1221 Second Avenue, Suite 500
Seattle, Washington 98101-2925 Telephone: (206) 623-1745
YOU ARE IN DANGER OF LOSING YOUR PROPERTY IF YOU DO NOT TAKE ACTION IMMEDIATELY
This notice is about your mortgage loan on your property at:
2014 3rd Street, La Grande, Oregon 978850
Your lender has decided to sell this property because the money due on your mortgage loan has not been paid on time or because you have failed to fulfill some other obligation to your lender. This is sometimes called “foreclosure.”
The amount you would have had to pay as of November 30, 2010 to bring your mortgage loan current has $3,476.63, plus attorneys’ fees and costs. The amount you must now pay to bring your load current may have increased since that date.
By law, your lender has to provide you with details about the amount you owe, if you ask. You may call 1-800-237-3194, and ask for Loss Mitigation Department to find out the exact amount you must pay to bring your mortgage loan current and to get other details about the amount you owe. You may also get these details by sending a request by certified mail to: HomeStreet Bank, Attn: Loss Mitigation, 601 Union Street, Suite 2000, Seattle, WA 98101.
THIS IS WHEN AND WHERE YOUR PROPERTY WILL BE SOLD IF YOU DO NOT TAKE ACTION:
Date and time: Friday, April 15, 2011, at 10:00 a.m.
Place: The front entrance of the Union County Courthouse, 1008 K Avenue, City of La Grande, State of Oregon.
THIS IS WHAT YOU CAN DO TO STOP THE SALE
1. You can pay the amount past due and correct any other default, up to five days before the sale.
2. You can refinance or otherwise pay off the loan in full anytime before the sale.
3. You can call Jan Hansen at HomeStreet Bank at 1-800-237-3194 to find out if your lender is willing to give
you more time or change the term of your loan.
4. You can sell your home, provided the sale price is enough to pay what you owe.
There are government agencies and nonprofit organizations that can give you information about foreclosure and help you decide what to do. For the name and telephone number of an organization near you, please call the statewide telephone contact number at 800-SAFENET (800-723-3638). You may also wish to talk to a lawyer. If you need help finding a lawyer, you may call the Oregon State Bar’s Lawyer Referral Service at (503) 684-3763 or toll-free in Oregon (800) 452-7636 or you may visit its website at: http://www.osbar.org. Legal assistance may be available if you have a low income and meet federal poverty guidelines. For more information and a directory of legal aid programs, go to http://www/oregonlawhelp.org.
Your lender may be willing to modify your loan to reduce the interest rate, reduce the monthly payments or both. You can get information about possible loan modification programs by contacting your lender at 1-800-237-3194. If you can’t reach your lender, you may contact the trustee at the telephone number at the bottom of this notice. If you have already entered into a loan modification with your lender, it is possible that you will not be able to modify your loan again unless your circumstances have changed. Your lender is not obligated to modify your loan.
You may request to meet with your lender to discuss options for modifying your loan. During discussions with your lender, you may have the assistance of a lawyer, a hours in counselor or another person of your choosing. To receive a referral to a housing counselor or other assistance available in your community, call this toll-free consumer mortgage foreclosure information number 800-SAFENET (800-723-3638). Many lenders participate in new federal loan modification programs. You can obtain more information about these programs at http://www.makinghomeaffordable.gov.
IF YOU WANT TO APPLY TO MODIFY YOUR LOAN, YOU MUST FILL OUT AND MAIL BACK THE ENCLOSED “MODIFICATION REQUEST FORM.” YOUR LENDER MUST RECEIVE THE FORM BY JANUARY 1, 2011, WHICH IS 30 DAYS AFTER THE DATE SHOWN BELOW.
WARNING: You may get offers from people who tell you they can help you keep your property. You should be careful about those offers. Make sure you understand any papers you are asked to sing. If you have questions, talk to a lawyer or one of the organizations mentioned above before signing.
DATED: December 2, 2010
Trustee Name Julie B. Hamilton, OSB#092650 Trustee Telephone Number: (206) 623-1745
Publish: March 2, 9, 16, 23, 2011
Legal no. 4261
Union County is currently accepting applications for funding for transportation of elderly and people with disabilities in Union County. Funds may be used for maintenance of existing transportation programs and services or planning and development of services for those not currently served. Current providers of development of transportation for elderly and people with disabilities including cities, counties, districts, agencies, nonprofit corporations and private operations, are eligible recipients. Funds will be available beginning July 1, 2011, for a biennium ending on June 30, 2013. Application information can be obtained at the Union County Commissioners’ Office, 1106 K Avenue, La Grande. Completed applications must be returned by April 4, 2011.
Publish: March 9, 10, 2011
Legal no. 4276