Hagadone News Network

August 3, 2020 8:03 a.m.

Liz Weston: Can you have too much credit?

People who care about their credit scores tend to obsess about some things they probably shouldn’t, such as the possibility they might have too much credit.

December 20, 2013 noon

NOTICE OF TRUSTEE'S SALE

Pursuant to R.C.W. Chapter 61.24, et seq. and 62A.9A-604(a)(2) et seq. Trustee's Sale No: 01-FEE-127342 I NOTICE IS HEREBY GIVEN that the undersigned Trustee, REGIONAL TRUSTEE SERVICES CORPORATION, will on January 24, 2014, at the hour of 10:00 AM, at THE POLICE JUSTICE COUNTY BUILDING, 401 SOUTH BALSAM STREET N/K/A 411 SOUTH BALSAM STREET, MOSES LAKE, WA, sell at public auction to the highest and best bidder, payable at the time of sale, the following described real and personal property (hereafter referred to collectively as the "Property"), situated in the County of GRANT, State of Washington: LOT 4, BLOCK 1, BAKER HEIGHTS, ACCORDING TO THE PLAT THEREOF IN VOLUME 5 OF PLATS, PAGE 18, RECORDS OF GRANT COUNTY, WASHINGTON. Tax Parcel No: 09-0209-000, commonly known as 1233 SOUTH DIVISION STREET, MOSES LAKE, WA. The Property is subject to that certain Deed of Trust dated 3/8/2004, recorded 3/16/2004, under Auditor's/Recorder's No. 1145033, records of GRANT County, Washington, from WILLIAM G. GRAHAM BILLIE J GRAHAM, HUSBAND AND WIFE, as Grantor, to UNIFIED SOLUTIONS GROUP, as Trustee, in favor of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR AMERIGROUP MORTGAGE CORPORATION, A DIVISION OF MORTGAGE INVESTORS CORPORATION ITS SUCCESSORS AND ASSIGNS, as Beneficiary, the beneficial interest in which is presently held by EVERBANK. 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 default(s) for which this foreclosure is/are made are as follows: FAILURE TO PAY THE MONTHLY PAYMENT WHICH BECAME DUE ON 10/1/2012, AND ALL SUBSEQUENT MONTHLY PAYMENTS, PLUS LATE CHARGES AND OTHER COSTS AND FEES AS SET FORTH. Failure to pay when due the following amounts which are now in arrears: Amount due as of September 25, 2013 Delinquent Payments from October 01, 2012 9 payments at $ 771.56 each $ 6,944.04 1 payments at $ 832.78 each $ 832.78 2 payments at $ 827.02 each $ 1,654.04 (10-01-12 through 09-25-13) Late Charges: $ 1,126.60 BENEFICIARY ADVANCES NSF FEES $ 50.00 OTHER FEES $ 276.50 Suspense Credit: $ 0.00 TOTAL: $ 10,883.96 IV The sum owing on the obligation secured by the Deed of Trust is: Principal $98,975.15, together with interest as provided in the note or other instrument secured, 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 eexpenses 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 January 24, 2014. The default(s) referred to in paragraph III must be cured by January 13, 2014 (11 days before the sale date) to cause a discontinuance of the sale. The sale will be discontinued and terminated if at any time on or before January 13, 2014, (11 days before the sale date) the default(s) as set forth in paragraph III is/are cured and the Trustee's fees and costs are paid. The sale may be terminated at any time after January 13, 2014, (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 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 addresses: BILLIE J GRAHAM, 1226 SOUTH BAKER STREET, MOSES LAKE, WA, 98837 EILLIE J. GRAHAM, 1233 SOUTH DIVISION STREET, MOSES LAKE, WA, 98837 WILLIAM G. GRAHAM, 1226 SOUTH BAKER STREET, MOSES LAKE, WA, 98837 WILLIAM G. GRAHAM, 1233 SOUTH DIVISION STREET, MOSES LAKE, WA, 98837 by both first class and certified mail on 8/9/2013, proof of which is in the possession of the Trustee; and on 8/9/2013, 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. VII The Trustee's Sale will be held in accordance with Ch. 61.24 RCW and anyone wishing to bbid at the sale will be required to have in his/her possession at the time the bidding commences, cash, cashier's check, or certified check in the amount of at least one dollar over the Beneficiary's opening bid. In addition, the successful bidder will be required to pay the full amount of his/her bid in cash, cashier's check, or certified check within one hour of the making of the bid. 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 of 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 same 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. THIS NOTICE IS THE FINAL STEP BEFORE THE FORECLOSURE SALE OF YOUR HOME. You have only 20 DAYS from the recording date on 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 Telephone: 1-877-894-HOME (1-877-984-4663) Web site: http://www.dfi.wa.gov/consumers/homeownership/post_purchase_counselors_foreclosure.htm The United States Department of Housing and Urban Development Telephone: 1-800-569-4287 Web site: http://www.hud.gov/offices/hsg/sfh/hcc/fc/index.cfm?webListAction=searchandsearchstate=WAandfilterSvc=dfc The statewide civil legal aid hotline for assistance and referrals to other housing counselors and attorneys Telephone: 1-800-606-4819 Website: http://nwjustice.org/what-clear 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 proceeding under Chapter 59.12 RCW. For tenant-occupied property, the purchaser shall provide a tenant with written notice in accordance with section 2 of this act. DATED: 9/19/2013 REGIONAL TRUSTEE SERVICES CORPORATION Trustee By: BRIAN WELT, AUTHORIZED AGENT Address: 616 1st Avenue, Suite 500 Seattle, WA 98104 Phone: (206) 340-2550 Sale Information: www.rtrustee.com A-4417921 12/20/2013, 01/10/2014

October 22, 2012 1 p.m.

NOTICE OF SALE

File No.: 7886.24296 Grantors: Northwest Trustee Services, Inc. PNC Bank, National Association, sbm to National City Mortgage, a division of National City Bank Grantee: Terry H. Vannoy and Mary K. Vannoy, Husband and Wife Ref to DOT Auditor File No.: 1252420 Tax Parcel ID No.: 000131624049 Abbreviated Legal: Lt 49 revision of Jerdon's 1st Add. Notice of Trustee's Sale Pursuant to the Revised Code of Washington 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 on 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 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/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: Toll-free: 1-800-606-4819. Web site: http://nwjustice.org/what-clear. I. On November 26, 2012, at 10:00 a.m. inside the main lobby of the Police Justice Building (Balsam Street Entrance) 411 South Balsam in the City of Moses Lake, State of Washington, the undersigned Trustee (subject to any conditions imposed by the Trustee) will sell at public auction to the highest and best bidder, payable at time of sale, the following described real property "Property", situated in the County(ies) of GRANT, State of Washington: Lot 49, Revision of Jerdon's First Addition to Ephrata, as per plat recorded in Volume 10 of Plats, Pages 60 and 61, records of Grant County, Washington Commonly known as: 329 6TH AVE SE EPHRATA, WA 98823 which is subject to that certain Deed of Trust dated 03/20/09, recorded on 03/27/09, under Auditor's File No. 1252420, records of GRANT County, Washington, from Terry H Vannoy and Mary K Vannoy Husband and Wife, as Grantor, to Security Title Guaranty, as Trustee, tto secure an obligation "Obligation" in favor of National City Mortgage a division of National City Bank, as Beneficiary. *The Tax Parcel ID number and Abbreviated 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 Beneficiary of the Deed of Trust is now pending to seek satisfaction of the Obligation in any Court by reason of the Grantor's or Borrower'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 and/or other defaults: Amount due to reinstate by 7/16/2012 Monthly Payments $12,830.10 Late Charges $514.28 Excepting therefrom a credit of ($55.68) Total Arrearage $13,288.70 Trustee's Expenses (Itemization) Trustee's Fee $543.75 Title Report $701.35 Statutory Mailings $30.00 Recording Costs $14.00 Postings $70.00 Sale Costs $0.00 Total Costs $1,359.10 Total Amount Due: $14,647.80 Other known defaults as follows: IV. The sum owing on the Obligation is: Principal Balance of $133,504.80, together with interest as provided in the note or other instrument evidencing the Obligation from 06/01/11, and such other costs and fees as are due under the Obligation, and as are provided by statute. V. The Property will be sold to satisfy the expense of sale and the Obligation as provided by statute. The sale will be made without representation or warranty, express or implied regarding title, possession, encumbrances or condition of the Property on November 26, 2012. The default(s) referred to in paragraph III, together with any subsequent payments, late charges, advances costs and fees thereafter due, must be cured by 11/15/12 (11 days before the sale date), to cause a discontinuance of the sale. The sale will be discontinued and terminated if at any time bbefore the close of the Trustee's business on 11/15/12 (11 days before the sale date), the default(s) as set forth in paragraph III, together with any subsequent 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 11/15/12 (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 paying 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. VI. 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 MARY VANNOY 329 6TH AVE SE EPHRATA, WA 98823 MARY VANNOY 15 D ST. NE APT B105 EPHRATA, WA 98823 TERRY VANNOY 329 6TH AVE SE EPHRATA, WA 98823 TERRY VANNOY 15 D ST. NE APT B105 EPHRATA, WA 98823 MARY DIAMOND 329 6TH AVE SE EPHRATA, WA 98823 MARY DIAMOND 15 D ST. NE APT B105 EPHRATA, WA 98823 by both first class and either certified mail, return receipt requested on 06/05/12, proof of which is in the possession of the Trustee; and on 06/06/12 Grantor and Borrower were personally served with said written 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 address are set forth below, will provide in writing to anyone requesting it a statement of all foreclosure 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 under the Grantor of all their right, title and interest in the 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. 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. 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. EFFECTIVE: 7/16/2012 Northwest Trustee Services, Inc., Trustee Authorized Signature P.O. BOX 997 Bellevue, WA 98009-0997 Contact: Kathy Taggart (425) 586-1900. (TS# 7886.24296) 1002.218391-File No.

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Five tips college students need to be credit card smart

(ARA) - Going to college is, for most students, the first time they'll feel really independent. And, accordingly, the rest of the world starts treating them like adults too, from the expectations of college professors to the credit card offers that will start flooding in. And just as it's important to study hard for a major, it's essential to learn what are the real benefits and repercussions of having a credit card.