NOTICE OF TRUSTEE'S SALE

NOTICE OF TRUSTEE’S SALE

Loan No: **8841 TS No: 23-9064 PURSUANT TO THE REVISED

CODE OF WASHINGTON CHAPTER 61.24 RCW Grantor: STEVEN

E. WARD AND CAROL C. WARD Current Beneficiary of Deed

of Trust: U.S. Bank Trust National Association, not in its individual

capacity but solely as trustee for LB-Igloo Series IV Trust Current

Mortgage Servicer for the Deed of Trust: SN Servicing Corporation

Current Trustee for the Deed of Trust: MICHELLE R. GHIDOTTI,

ESQ. Trustee’s address is 144 Railroad Avenue, Suite 236, Edmonds,

WA 98020-4100 (206) 331-3280 Trustee’s agent for service

is Gary Krohn, Reg. Agent, whose address is 144 Railroad Avenue,

Suite 236 Edmonds, WA 98020-4100 Phone: (206) 525-1925 If

there are any questions regarding this Notice, please contact (206)

331-3280 Reference Number of Deed of Trust: 407922 Parcel

Number(s): 0805-109-001000 Abbr. Legal Description LOTS 1-8,

BLK 109, RAILROAD ADD. TO WILBUR 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(1-877-894-4663) . Web site:

http://www.dfi.wa.gov/consumers/homeownership/post_purchase_

counselors_foreclosure.htm The United States Department of

Housing and Urban Development Telephone: 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: 1-800-606-4819 Web site:

http://nwjustice.org/what-clear I. NOTICE IS HEREBY GIVEN that

the undersigned Trustee will on 1/12/2024, at 10:00 AM at At main

entrance Pioneer Title Company, 403 Logan St, Davenport, WA

99122 sell at public auction to the highest and best bidder, payable,

in the form of cash, or cashier’s check or certified checks from

federally or State chartered banks, at the time of sale the following

described real property, situated in the County of Lincoln, State of

Washington, to-wit: LOTS 1, 2, 3, 4, 5, 6, 7 AND 8 IN BLOCK 109

AND THAT PORTION OF VACATED ANNE STREET ADJOINING

LOT 8 AS ATTACHES BY OPERATION OF LAW, RAILROAD

ADDITION TO THE TOWN OF WILBUR, ACCORDING TO PLAT

THEREOF RECORDED IN BOOK "A" OF PLATS, PAGE 61,

RECORDS OF LINCOLN COUNTY, WASHINGTON. Commonly

known as: 114 E MAY STREET WILBUR Washington 99185 which

is subject to that certain Deed of Trust dated 11/4/1997, recorded

11/12/1997, under Auditor's File No. 407922, in Book 69, Page

000270 records of Lincoln County, Washington, from STEVEN E.

WARD AND CAROL C. WARD, HUSBAND AND WIFE, as Grantor(

s), to PIONEER TITLE COMPANY, as Trustee, to secure an

obligation in favor of GMAC MORTGAGE CORPORATION, as

Beneficiary, the beneficial interest in which was assigned to U.S.

Bank Trust National Association, not in its individual capacity but

solely as trustee for LB-Igloo Series IV Trust. 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 made

is/are as follows: Failure to pay when due the following amounts

which are now in arrears: PAYMENT INFORMATION: FROM

9/21/2023 TOTAL $14,344.32 BENEFICIARY’S ADVANCES,

COSTS AND EXPENSES: DESCRIPTION - ADVANCE AMOUNT:

9/21/2023 Accrued Late Charges $144.36 9/21/2023 MTGR REC

CORP ADV $2,428.76 ESTIMATED FORECLOSURE FEES &

COSTS: 9/21/2023 Trustee's Fees $400.00 9/21/2023 Recording

Costs $203.00 9/21/2023 Title Costs $50.00 9/21/2023 Mailing

$200.00 9/21/2023 Publication Costs $1,200.00 9/21/2023 Posting

Costs $115.00 TOTAL DUE AS OF: 9/21/2023 $19,085.44 IV. The

sum owing on the obligation secured by the Deed of Trust is: The

principal sum of $37,669.22, together with interest as provided in

the Note or other instrument secured from 5/1/2022, 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, expressed or implied, regarding

title, possession or encumbrances on 1/12/2024. The defaults referred

to in Paragraph III must be cured by 1/1/2024, (11 days

before the sale date) to cause a discontinuance of the sale. The

sale will be discontinued and terminated if at any time before

1/1/2024 (11 days before the sale) the default 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. Payment must be in cash or with

cashiers or certified checks from a State or federally chartered

bank. The sale may be terminated any time after the 1/1/2024 (11

days before the sale date) and before the sale, by the Borrower,

or Grantor or any Guarantors or the holder of any recorded junior

lien or encumbrance by 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(s)

and Grantor(s) at the following address(es): NAME - ADDRESS:

CAROL C. WARD 114 E MAY STREET WILBUR, WA 99185

CAROL C. WARD PO BOX 371 WILBUR, WA 99185-0371 STEVEN

E. WARD 114 E MAY STREET WILBUR, WA 99185 STEVEN E.

WARD PO BOX 371 WILBUR, WA 99185-0371 by both first class

and certified mail on 5/24/2023, proof of which is in the possession

of the Trustee; and on 5/28/2023 the Borrower and Grantor were

personally served, if applicable, 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 and all those who hold by, through or under

the Grantor of all their interest in the above described property. IX.

Anyone having any objections to this 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. If you are

a servicemember or a dependent of a servicemember, you may be

entitled to certain protections under the federal Servicemembers

Civil Relief Act and any comparable state laws regarding the risk

of foreclosure. If you believe you may be entitled to these protections,

please contact our office immediately. Additional disclaimers

provided by the Trustee: If you have previously been discharged

through bankruptcy, you may have been released of personal liability

for this loan in which case this letter is intended to exercise

the noteholders rights against the real property only. Service of

Process should be sent to: Michelle Ghidotti, Esq., c/o Gary Krohn,

Reg. Agent, 144 Railroad Avenue, Suite 236, Edmonds, WA 98020-

4100 and faxed to (949) 427-2732. If there are any questions regarding

this Notice, please contact (206) 331-3280. SALE INFORMATION

CAN BE OBTAINED ONLINE AT http://www.nationwideposting.

com FOR AUTOMATED SALES INFORMATION PLEASE CALL:

(916) 939-0772 THIS IS AN ATTEMPT TO COLLECT A DEBT

AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT

PURPOSE. DATED: 09/06/2023 Michelle Ghidotti, Esq. 144 Railroad

Avenue, Suite 236 Edmonds, WA 98020-4100 Phone: (206)

331-3280 Fax: (949) 427-2732 Michelle R. Ghidotti, Esq., as

Trustee A notary public or other officer completing this certificate

verifies only the identity of the individual who signed the document,

to which this certificate is attached, and not the truthfulness, accuracy,

or validity of that document. State of California ) )ss County

of Orange ) On 09/06/2023 before me, Tina Suihkonen, Notary

Public personally appeared Michelle Ghidotti-Gonsalves, Esq who

proved to me on the basis of satisfactory evidence to be the person(

s) whose name(s) is/are subscribed to the within instrument

and acknowledged to me that he/she/they executed the same in

his/her/their authorized capacity(ies), and that by his/her/their

signature(s) on the instrument the person(s), or the entity upon

behalf of which the person(s) acted, executed the instrument. I

certify under PENALTY OF PERJURY under the laws of the State

of California that the foregoing paragraph is true and correct. WITNESS

my hand and official seal. Signature Tina Suihkonen (Seal)

TINA SUIHKONEN Notary Public - California Orange County

Commission # 2453258 My Comm. Expires Jul 15, 2027

NPP0440420 To: LINCOLN COUNTY RECORD TIMES (WA)

12/14/2023, 01/04/2024