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Public notices for the day of November 2, 2009
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TRUSTEE'S NOTICE OF SALE Reference is made to that certain trust deed
made by DONNA C. PEBLEY, as grantor, to ABSTRACT & TITLE COMPANY,
as trustee, in favor of Mortgage Electronic Registration Systems, Inc.
solely as nominee for Mann Financial Inc. D/B/A Allied Mortgage
Resource, as beneficiary, dated 12/02/05, recorded 12/06/05, in the
mortgage records of Union County, Oregon, as 20056535 and subsequently
assigned to US Bank National Association, as Trustee for CSFB ARMT
2006-2 by Assignment, covering the following described real property
situated in said county and state, to wit: TRACT "A": A parcel of land
located in the south half of the southeast quarter of Section 3,
Township 3 South, Range 38 East of the Willamette Meridian; more
particularly described as follows: with reference to map of Survey No.
94-77, as recorded in the office of the Union County Surveyor:
Beginning at a point North 89 degrees 56'45" West 1461.55 feet from the
southeast corner of Section 3, Township 3 South, Range 38 East of the
Willamette Meridian, said point being South 89 degrees 56'45" East
1178.28 feet from the southwest corner of southeast quarter of said
Section 3; being the southeast corner of "Parcel B" as deeded to M.
James Rygg by Deed Microfilm No. 99941; Thence North 270.5 feet; thence
North 89 degrees 56'45" West 161 feet to the east line of the land
conveyed to La Grande County Club (Deed Microfilm No. 34430); thence
South along the east line of said Country Club property 270.5 feet;
thence South 89 degrees 56'45" East 161 feet to the point of beginning.
SITUATE IN the County of Union, State of Oregon. TRACT "B": A 60-foot
non-exclusive roadway easement for ingress to and egress from adjoining
properties located in the south half of the southeast quarter of
Section 3, Township 3 South, Range 38 East of the Willamette Meridian,
more particularly described as: Beginning at a point North 89 degrees
56'45" West 1491.55 feet from the southeast corner of Section 3,
Township 3 South, Range 38 East of the Willamette Meridian, said point
also being South 89 degrees 56'45" East 1148.28 feet from the southwest
coiner of the southeast quarter of said Section 3; From said true point
of beginning thence North 811 feet; thence South 89 degrees 56'45" East
60 feet; thence South 811 feet to the south line of said Section 3;
thence North 89 degrees 56'45" West along said section line 60 feet to
the point of beginning. SITUATE IN the County of Union, State of
Oregon. PROPERTY ADDRESS: 61476 MELODY ROAD LA GRANDE, OR 97850 Both
the beneficiary and the trustee have elected to sell the real property
to satisfy the obligations secured by the 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 when due the following sums: monthly payments of
$2,305.20 beginning 05/01/09; plus late charges of $91.96 each month
beginning 05/16/09; plus prior accrued late charges of $0.00; plus
advances of $3,532.30; together with title expense, costs, trustee's
fees and attorney's fees incurred herein by reason of said default; any
further sums advanced by the beneficiary for the protection of the
above described real property and its interest therein; and prepayment
penalties/premiums, if applicable. By reason of said default the
beneficiary has declared all sums owing on the obligation secured by
the trust deed immediately due and payable, said sums being the
following, to wit: $280,249.08 with interest thereon at the rate of
7.875 percent per annum beginning 04/01/09; plus late charges of $91.96
each month beginning 05/16/09 until paid; plus prior accrued late
charges of $0.00; plus advances of $3,532.30; together with title
expense, costs, trustee's fees and attorneys fees incurred herein by
reason of said default; any further sums advanced by the beneficiary
for the protection of the above described real property and its
interest therein; and prepayment penalties/premiums, if applicable.
WHEREFORE, notice hereby is given that the undersigned trustee
will on January 29, 2010 at the hour of 10:00 o'clock, A.M. in accord
with the standard of time established by ORS 187.110, at the following
place: outside the main entrance of the Daniel Chaplin Building, 1001
4th Avenue Street, in the City of La Grande, County of Union, State of
Oregon, sell at public auction to the highest bidder for cash the
interest in the described real property which the grantor had or had
power to convey at the time of the execution by grantor of the trust
deed, together with any interest which the grantor or grantor's
successors in interest acquired after the execution of the 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 for reinstatement or payoff quotes requested
pursuant to ORS 86.757 and 86.759 must be timely communicated in a
written request that complies with that statute addressed to the
trustee's "Urgent Request Desk" either by personal delivery to the
trustee's physical offices (call for address) or by first class,
certified mail, return receipt requested, addressed to the trustee's
post office box address set forth in this notice. Due to potential
conflicts with federal law, persons having no record legal or equitable
interest in the subject property will only receive information
concerning the lender's estimated or actual bid. Lender bid information
is also available at the trustee's website, www.northwesttrustee.com.
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
not exceeding the amounts provided by said ORS 86.753. Requests from
persons named in ORS 86.753 for reinstatement quotes received less than
six days prior to the date set for the trustee's sale will be honored
only at the discretion of the beneficiary or if required by the terms
of the loan documents. In construing this notice, 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. NOTICE TO TENANTS If you are a tenant of this
property, foreclosure could 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 you notice of the requirement. If you do
not have a fixed-term lease, the purchaser may require you to move out
after giving you a 30-day notice on or after the date of sale. If you
have a fixed-term lease, you may be entitled to receive after the date
of the 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 December 30, 2009. The
name of the trustee and the trustee's mailing address are listed on
this notice. Federal law 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 Association (16037 Upper Boones Ferry
Road, Tigard, Oregon 97224, (503)620-0222, toll-free in Oregon
(800)452-8260) and ask for lawyer referral service. If you have a low
income and meet federal poverty guidelines, you may be eligible for
free legal assistance; a county-by-county listing of legal aid
resources may be found on the Internet at
http://www.osbar.org/public/ris/lowcostlegalhelp/legalaid.html. The
trustee's rules of auction may be accessed at www.northwesttrustee.com
and are incorporated by this reference. You may also access sale status
at www.northwesttrustee.com and www.USA-Foreclosure.com. Northwest
Trustee Services, Inc. For further information, please contact: Kathy
Taggart Northwest Trustee Services, Inc. P.O. Box 997 Bellevue, WA
98009-0997 586-1900 File No.7777.11181/PEBLEY, DONNA C. (TS#
7777.11181) 1002.133775-FEI
TRUSTEE'S NOTICE OF SALE Pursuant to O.R.S. 86.705 et seq. and O.R.S. 79.5010, et seq. Trustee's Sale No. 09-FMB-85498 NOTICE TO BORROWER: YOU SHOULD BE AWARE THAT THE UNDERSIGNED IS ATTEMPTING TO COLLECT A DEBT AND THAT ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Reference is made to that certain Deed of Trust made by, ARDEN D. SNIDER, AND KELLI G. SNIDER, HUSBAND AND WIFE, AS TENANTS BY THE ENTIRETY., as grantor, to PACIFIC NORTHWEST COMPANY OF OREGON, INC., as Trustee, in favor of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR QUICKEN LOANS INC., as beneficiary, dated 2/22/2007, recorded 2/27/2007, under Instrument No. 20071075, records of UNION County, OREGON. The beneficial interest under said Trust Deed and the obligations secured thereby are presently held by OneWest Bank, FSB. Said Trust Deed encumbers the following described real property situated in said county and state, to-wit: A parcel of land in Block 5 of WILBUR'S ADDITION to the town of Cove, Union County, Oregon, described with reference to survey of Bagett, Griffith & Associates in October, 1980, as follows: Beginning at the northeast comer of said Block 5; Thence South along the east line of said block on a course found by survey to be South 0°13"20" East 90 feet to a point which is the southeast corner of land conveyed to Jim Rygg by deed recorded as Microfilm No. 96066, Union County; Thence following the south and west lines of said Rygg tract on courses found by said survey to be North 89°41'25" West 112 feet and North 0°13'20" West 90.01 feet to the north line of said Block 5; Thence along said north line by survey South 89°40'59" East to the point of beginning. SITUATE IN the City of Cove, County of Union, State of Oregon. The street address or other common designation, if any, of the real property described above is purported to be: 1107 BRYAN STREET COVE, OR 97824 The undersigned Trustee disclaims any liability for any incorrectness 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 when due, the following sums: Amount due as of October 23, 2009 Delinquent Payments from July 01, 2009 4 payments at $ 781.68 each $3,126.72 (07-01-09 through 10-23-09) Late Charges: $101.29 Beneficiary Advances: $23.00 Suspense Credit: $0.00 TOTAL: $3,251.01 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 $114,926.98, PLUS interest thereon at 6.75% per annum from 06/01/09 to 1/1/2010, 6.75% per annum from 1/1/2010, until paid, together with escrow advances, foreclosure costs, trustee fees, attorney fees, sums required for the protection of the property and additional sums secured by the Deed of Trust. WHEREFORE, notice hereby is given that the undersigned trustee, will on February 25, 2010, at the hour of 11:00 AM, in accord with the standard of time established by ORS 187.110, at FRONT ENTRANCE OF THE UNION COUNTY COURTHOUSE, 1001 4TH STREET, LA GRANDE, County of UNION, State of OREGON, sell at public auction to the highest bidder for cash, the interest in the said described property which the grantor had, or had the 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 not exceeding the amounts provided by said ORS 86.753. 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. 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 same. DATED: 10/23/2009 REGIONAL TRUSTEE SERVICES CORPORATION Trustee By MELISSA HJORTEN, ASSISTANT VICE PRESIDENT 616 1st Avenue, Suite 500, Seattle, WA 98104 Phone: (206) 340-2550 Sale Information: http://www.rtrustee.com ASAP# 3319488 11/02/2009, 11/09/2009, 11/16/2009, 11/23/2009 Publish: November 2, 9, 16, 23, 2009 Legal no. 3782
TRUSTEE'S NOTICE OF SALE Reference is made to that certain trust deed made by Idanna Wolfe, a single woman, as grantor, to Abstract and Title Company, as trustee, in favor of JPMorgan Chase Bank, N.A., as beneficiary, dated 01/08/07, recorded 01/12/07, in the mortgage records of Union County, Oregon, as 20070231 and subsequently assigned to Chase Home Finance LLC by Assignment, covering the following described real property situated in said county and state, to wit: Lots 4 and 5 in Block 22 of PREDMORE ADDITION to the city of La Grande, Union County, Oregon, according to the recorded plat of said addition. PROPERTY ADDRESS: 1408 V AVE LA GRANDE, OR 97850 Both the beneficiary and the trustee have elected to sell the real property to satisfy the obligations secured by the 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 when due the following sums: monthly payments of $628.72 beginning 04/01/09; plus late charges of $20.88 each month beginning 04/16/09; plus prior accrued late charges of $0.00; plus advances of $14.00; together with title expense, costs, trustee's fees and attorney's fees incurred herein by reason of said default; any further sums advanced by the beneficiary for the protection of the above described real property and its interest therein; and prepayment penalties/premiums, if applicable. By reason of said default the beneficiary has declared all sums owing on the obligation secured by the trust deed immediately due and payable, said sums being the following, to wit: $79,607.26 with interest thereon at the rate of 6.625 percent per annum beginning 03/01/09; plus late charges of $20.88 each month beginning 04/16/09 until paid; plus prior accrued late charges of $0.00; plus advances of $14.00; together with title expense, costs, trustee's fees and attorneys fees incurred herein by reason of said default; any further sums advanced by the beneficiary for the protection of the above described real property and its interest therein; and prepayment penalties/premiums, if applicable. WHEREFORE, notice hereby is given that the undersigned trustee will on January 27, 2010 at the hour of 10:00 o'clock, A.M. in accord with the standard of time established by ORS 187.110, at the following place: outside the main entrance of the Daniel Chaplin Building, 1001 4th Avenue Street, in the City of La Grande, County of Union, State of Oregon, sell at public auction to the highest bidder for cash the interest in the described real property which the grantor had or had power to convey at the time of the execution by grantor of the trust deed, together with any interest which the grantor or grantor's successors in interest acquired after the execution of the 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 for reinstatement or payoff quotes requested pursuant to ORS 86.757 and 86.759 must be timely communicated in a written request that complies with that statute addressed to the trustee's "Urgent Request Desk" either by personal delivery to the trustee's physical offices (call for address) or by first class, certified mail, return receipt requested, addressed to the trustee's post office box address set forth in this notice. Due to potential conflicts with federal law, persons having no record legal or equitable interest in the subject property will only receive information concerning the lender's estimated or actual bid. Lender bid information is also available at the trustee's website, www.northwesttrustee.com. 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 not exceeding the amounts provided by said ORS 86.753. Requests from persons named in ORS 86.753 for reinstatement quotes received less than six days prior to the date set for the trustee's sale will be honored only at the discretion of the beneficiary or if required by the terms of the loan documents. In construing this notice, 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. NOTICE TO TENANTS: If you are a tenant of this property, foreclosure could 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 you notice of the requirement. If you do not have a fixed-term lease, the purchaser may require you to move out after giving you a 30-day notice on or after the date of sale. If you have a fixed-term lease, you may be entitled to receive after the date of the 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 December 28, 2009. The name of the trustee and the trustee's mailing address are listed on this notice. Federal law 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 Association (16037 Upper Boones Ferry Road, Tigard, Oregon 97224, (503)620-0222, toll-free in Oregon (800)452-8260) and ask for lawyer referral service. If you have a low income and meet federal poverty guidelines, you may be eligible for free legal assistance; a county-by-county listing of legal aid resources may be found on the Internet at http://www.osbar.org/public/ris/lowcostlegalhelp/legalaid.html. The trustee's rules of auction may be accessed at www.northwesttrustee.com and are incorporated by this reference. You may also access sale status at www.northwesttrustee.com and www.USA-Foreclosure.com. Northwest Trustee Services, Inc. For further information, please contact: Becky Baker Northwest Trustee Services, Inc. P.O. Box 997 Bellevue, WA 98009-0997 586-1900 File No.7037.00786/WOLFE, IDANNA. (TS# 7037.00786) 1002.133619-FEI Publish: October 26, 2009; November 2, 9, 16, 2009 Legal no. 3779
TRUSTEE'S NOTICE OF SALE Reference is made to that certain trust deed made by Todd Richmond, a married man, as grantor, to Eastern Oregon Title, as trustee, in favor of JPMorgan Chase Bank, N.A., as beneficiary, dated 06/28/06, recorded 06/30/06, in the mortgage records of Union County, Oregon, as 20063123 and subsequently assigned to Chase Home Finance LLC by Assignment, covering the following described real property situated in said county and state, to wit: Commencing at a point 40 feet South of the Northeast corner of Lot one in Block Seventeen of COGGAN'S ADDITION to La Grande, Union County, Oregon, according to the recorded Plat of said addition; running thence West 95.1 feet; thence South 40 feet; thence East 95.1 feet; thence North 40 feet to the point of beginning. PROPERTY ADDRESS: 1308 9TH ST LA GRANDE, OR 97850 Both the beneficiary and the trustee have elected to sell the real property to satisfy the obligations secured by the 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 when due the following sums: monthly payments of $1,095.70 beginning 05/01/09; plus late charges of $36.51 each month beginning 05/16/09; plus prior accrued late charges of $44.21; plus advances of $14.00; together with title expense, costs, trustee's fees and attorney's fees incurred herein by reason of said default; any further sums advanced by the beneficiary for the protection of the above described real property and its interest therein; and prepayment penalties/premiums, if applicable. By reason of said default the beneficiary has declared all sums owing on the obligation secured by the trust deed immediately due and payable, said sums being the following, to wit: $132,823.33 with interest thereon at the rate of 7 percent per annum beginning 04/01/09; plus late charges of $36.51 each month beginning 05/16/09 until paid; plus prior accrued late charges of $44.21; plus advances of $14.00; together with title expense, costs, trustee's fees and attorneys fees incurred herein by reason of said default; any further sums advanced by the beneficiary for the protection of the above described real property and its interest therein; and prepayment penalties/premiums, if applicable. WHEREFORE, notice hereby is given that the undersigned trustee will on January 27, 2010 at the hour of 10:00 o'clock, A.M. in accord with the standard of time established by ORS 187.110, at the following place: outside the main entrance of the Daniel Chaplin Building, 1001 4th Avenue Street, in the City of La Grande, County of Union, State of Oregon, sell at public auction to the highest bidder for cash the interest in the described real property which the grantor had or had power to convey at the time of the execution by grantor of the trust deed, together with any interest which the grantor or grantor's successors in interest acquired after the execution of the 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 for reinstatement or payoff quotes requested pursuant to ORS 86.757 and 86.759 must be timely communicated in a written request that complies with that statute addressed to the trustee's "Urgent Request Desk" either by personal delivery to the trustee's physical offices (call for address) or by first class, certified mail, return receipt requested, addressed to the trustee's post office box address set forth in this notice. Due to potential conflicts with federal law, persons having no record legal or equitable interest in the subject property will only receive information concerning the lender's estimated or actual bid. Lender bid information is also available at the trustee's website, www.northwesttrustee.com. 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 not exceeding the amounts provided by said ORS 86.753. Requests from persons named in ORS 86.753 for reinstatement quotes received less than six days prior to the date set for the trustee's sale will be honored only at the discretion of the beneficiary or if required by the terms of the loan documents. In construing this notice, 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. NOTICE TO TENANTS: If you are a tenant of this property, foreclosure could 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 you notice of the requirement. If you do not have a fixed-term lease, the purchaser may require you to move out after giving you a 30-day notice on or after the date of sale. If you have a fixed-term lease, you may be entitled to receive after the date of the 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 December 28, 2009. The name of the trustee and the trustee's mailing address are listed on this notice. Federal law 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 Association (16037 Upper Boones Ferry Road, Tigard, Oregon 97224, (503)620-0222, toll-free in Oregon (800)452-8260) and ask for lawyer referral service. If you have a low income and meet federal poverty guidelines, you may be eligible for free legal assistance; a county-by-county listing of legal aid resources may be found on the Internet at http://www.osbar.org/public/ris/lowcostlegalhelp/legalaid.html. The trustee's rules of auction may be accessed at www.northwesttrustee.com and are incorporated by this reference. You may also access sale status at www.northwesttrustee.com and www.USA-Foreclosure.com. Northwest Trustee Services, Inc. For further information, please contact: Becky Baker Northwest Trustee Services, Inc. P.O. Box 997 Bellevue, WA 98009-0997 586-1900 File No.7037.00818/RICHMOND, TODD. (TS# 7037.00818) 1002.133506-FEI Publish: October 26, 2009; November 2, 9, 16, 2009 Legal no. 3778
TRUSTEE'S NOTICE OF SALE Reference is made to that certain trust deed made by GERALD H. HAYS, AN UNMARRIED MAN. DENISE L. LUDWIG, A MARRIED WOMAN, as grantor, to UNIFIED SOLUTIONS GROUP, as trustee, in favor of Mortgage Electronic Registration Systems, Inc. solely as nominee for MORTGAGE INVESTORS CORPORATION, as beneficiary, dated 09/12/03, recorded 09/26/03, in the mortgage records of Union County, Oregon, as 20036517 and subsequently assigned to Wells Fargo Bank, NA by Assignment, covering the following described real property situated in said county and state, to wit: LOT 12 IN BLOCK "C" OF GRANDE RHONDE ESTATES IN THE CITY OF ELGIN, UNION COUNTY, OREGON, ACCORDING TO THE PLAT RECORDED IN BOOK 3, PAGE 88, PLAT RECORDS OF UNION COUNTY, OREGON. PROPERTY ADDRESS: 985 HARTFORD STREET ELGIN, OR 97827 Both the beneficiary and the trustee have elected to sell the real property to satisfy the obligations secured by the 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 when due the following sums: monthly payments of $507.45 beginning 05/01/09; plus late charges of $15.12 each month beginning 05/16/09; plus prior accrued late charges of $0.00; plus advances of $30.00; together with title expense, costs, trustee's fees and attorney's fees incurred herein by reason of said default; any further sums advanced by the beneficiary for the protection of the above described real property and its interest therein; and prepayment penalties/premiums, if applicable. By reason of said default the beneficiary has declared all sums owing on the obligation secured by the trust deed immediately due and payable, said sums being the following, to wit: $57,915.50 with interest thereon at the rate of 6 percent per annum beginning 04/01/09; plus late charges of $15.12 each month beginning 05/16/09 until paid; plus prior accrued late charges of $0.00; plus advances of $30.00; together with title expense, costs, trustee's fees and attorneys fees incurred herein by reason of said default; any further sums advanced by the beneficiary for the protection of the above described real property and its interest therein; and prepayment penalties/premiums, if applicable. WHEREFORE, notice hereby is given that the undersigned trustee will on January 26, 2010 at the hour of 10:00 o'clock, A.M. in accord with the standard of time established by ORS 187.110, at the following place: outside the main entrance of the Daniel Chaplin Building, 1001 4th Avenue Street, in the City of La Grande, County of Union, State of Oregon, sell at public auction to the highest bidder for cash the interest in the described real property which the grantor had or had power to convey at the time of the execution by grantor of the trust deed, together with any interest which the grantor or grantor's successors in interest acquired after the execution of the 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 for reinstatement or payoff quotes requested pursuant to ORS 86.757 and 86.759 must be timely communicated in a written request that complies with that statute addressed to the trustee's "Urgent Request Desk" either by personal delivery to the trustee's physical offices (call for address) or by first class, certified mail, return receipt requested, addressed to the trustee's post office box address set forth in this notice. Due to potential conflicts with federal law, persons having no record legal or equitable interest in the subject property will only receive information concerning the lender's estimated or actual bid. Lender bid information is also available at the trustee's website, www.northwesttrustee.com. 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 not exceeding the amounts provided by said ORS 86.753. Requests from persons named in ORS 86.753 for reinstatement quotes received less than six days prior to the date set for the trustee's sale will be honored only at the discretion of the beneficiary or if required by the terms of the loan documents. In construing this notice, 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. NOTICE TO TENANTS: If you are a tenant of this property, foreclosure could 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 you notice of the requirement. If you do not have a fixed-term lease, the purchaser may require you to move out after giving you a 30-day notice on or after the date of sale. If you have a fixed-term lease, you may be entitled to receive after the date of the 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 December 27, 2009. The name of the trustee and the trustee's mailing address are listed on this notice. Federal law 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 Association (16037 Upper Boones Ferry Road, Tigard, Oregon 97224, (503)620-0222, toll-free in Oregon (800)452-8260) and ask for lawyer referral service. If you have a low income and meet federal poverty guidelines, you may be eligible for free legal assistance; a county-by-county listing of legal aid resources may be found on the Internet at http://www.osbar.org/public/ris/lowcostlegalhelp/legalaid.html. The trustee's rules of auction may be accessed at www.northwesttrustee.com and are incorporated by this reference. You may also access sale status at www.northwesttrustee.com and www.USA-Foreclosure.com. Northwest Trustee Services, Inc. For further information, please contact: Kathy Taggart Northwest Trustee Services, Inc. P.O. Box 997 Bellevue, WA 98009-0997 586-1900 File No.7023.06151/HAYS, GERALD H. and LUDWIG, DENISE L. (TS# 7023.06151) 1002.133253-FEI Publish: October 26, 2009; November 2, 9, 16, 2009 Legal no. 3777 |
