Page 10
Illinois Valley News, Cave Junction, Ore. Wednesday, July 21, 2010
LEGAL NOTICE
TRUSTEE’S NOTICE OF SALE T.S. No.: OR-10-
358142-SH Reference is made to that certain
deed made by David E Morse as Grantor to First
American Title Ins Co Of Oregon, as Trustee, in
favor of Mortgage Electronic Registration Sys-
tems, Inc., as nominee for First Horizon Home
Loan Corporation, as Beneficiary, dated
4/19/2006, recorded 04/24/2006, in official records
of Josephine County, Oregon, in book/reel/volume
No. xxx, at page No. xxx fee/file/instrument/
microfile/reception No. 2006-008429 covering the
following described real property situated in said
County and State, to wit: APN: R320251 Please
see attached Exhibit "A" Real property in the
County of Josephine, State of Oregon, described
as follows: Beginning at the Southwest corner of
Tract 56 of Chicago Land Co. subdivision, and run
thence North 10 rods; thence East 80 rods; thence
South 10 rods; thence West 80 rods to the point of
beginning, in Josephine County, Oregon, as
shown on the records on file in the Office of the
County Clerk of Josephine County, Oregon. Note:
This legal description was created prior to January
1, 2008. Tax Parcel Number: R320251 Commonly
known as: 2769 Elk Lane Grants Pass, OR 97527
Both the beneficiary and the trustee have elected
to sell the said real property to satisfy the obliga-
tions secured by said trust deed and notice has
been recorded pursuant to Section 86.735 (3) of
Oregon Revised Statutes; the default for which the
foreclosure is made is the grantor’s: The install-
ments of principal and interest which became due
on 1/1/2010, and all subsequent installments of
principal and interest through the date of this No-
tice, plus amounts that are due for late charges,
delinquent property taxes, insurance premiums,
advances made on senior liens, taxes and/or in-
surance, trustee’s fees, and any attorney fees and
court costs arising from or associated with the
beneficiaries efforts to protect and preserve its
security, all of which must be paid as a condition
of reinstatement, including all sums that shall ac-
crue through reinstatement or pay-off. Nothing in
this notice shall be construed as a waiver of any
fees owing to the Beneficiary under the Deed of
Trust pursuant to the terms of the loan docu-
ments. Monthly Payment $1,861.28 Monthly Late
Charge $79.23 By this reason of said default the
beneficiary has declared all obligations secured by
said trust deed immediately due and payable, said
sums being the following, to wit: The sum of
$234,118.27 together with interest thereon at the
rate of 6.7500 per annum from 12/1/2009 until
paid; plus all accrued late charges thereon; and all
trustee’s fees, foreclosure costs and any sums
advanced by the beneficiary pursuant to the terms
of said deed of trust. Whereof, notice hereby is
given that, First American Title Insurance Com-
pany, the undersigned trustee will, on 11/4/2010,
at the hour of 01:00 PM, Standard of Time, as
established by section 187.110, Oregon Revised
Statutes, at the front door to the Josephine County
Courthouse, 500 NW 6th Street Grants Pass, OR
County of Josephine, State of Oregon, sell at pub-
lic auction to the highest bidder for cash the inter-
est in the said described real property which the
grantor had or had power to convey at the time of
execution by him of the said trust deed, together
with any interest which the grantor or his succes-
sors 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
section 86.753 of Oregon Revised Statutes has
the right to have the foreclosure proceeding dis-
missed and the trust deed reinstated by payment
to the beneficiary of the entire amount then due
(other than such portion of said principal as would
not then be due had no default occurred), together
with the costs, trustee’s and attorney’s fees and
curing any other default complained of in the No-
tice of Default by tendering the performance re-
quired under the obligation or trust deed, at any
time prior to five days before the date last set for
sale. For Sale Information Call: 714-573-1965 or
Login to www.priorityposting.com. In construing
this notice, the masculine gender includes the
feminine and the neuter, the singular includes
plural, the word “grantor” includes any successor
in interest to the grantor as well as any other per-
sons owing an obligation, the performance of
which is secured by said trust deed, the words
“trustee” and “beneficiary” include their respective
successors in interest, if any. Pursuant to Oregon
Law, this sale will not be deemed final until the
Trustee’s deed has been issued by First American
Title Insurance Company. If there are any irregu-
larities discovered within 10 days of the date of
this sale, that the trustee will rescind the sale,
return the buyer’s money and take further action
as necessary. If the Trustee is unable to convey
title for any reason, the successful bidder’s sole
and exclusive remedy shall be the return of mon-
ies paid to the Trustee, and the successful bidder
shall have no further recourse. If the sale is set
aside for any reason, the Purchaser at the sale
shall be entitled only to a return of the deposit
paid. The Purchaser shall have no further re-
course against the Mortgagor, the Mortgagee, or
the Mortgagee’s Attorney. NOTICE TO RESIDEN-
TIAL TENANTS The property in which you are
living is in foreclosure. A foreclosure sale is
scheduled for 11/4/2010. Unless the lender who is
foreclosing on this property is paid, the foreclosure
will go through and someone new will own this
property. The following information applies to you
only if you occupy and rent this property as a resi-
dential dwelling under a legitimate rental agree-
ment. The information does not apply to you if you
own this property or if you are not a residential
tenant. If the foreclosure goes through, the busi-
ness or individual who buys this property at the
foreclosure sale has the right to require you to
move out. The buyer must first give you an evic-
tion notice in writing that specifies the date by
which you must move out. The buyer may not give
you this notice until after the foreclosure sale hap-
pens. If you do not leave before the move-out
date, the buyer can have the sheriff remove you
from the property after a court hearing. You will
receive notice of the court hearing. FEDERAL
LAW REQUIRES YOU TO BE NOTIFIED IF YOU
ARE OCCUPYING AND RENTING THIS PROP-
ERTY AS A RESIDENTIAL DWELLING UNDER A
LEGITIMATE RENTAL AGREEMENT, FEDERAL
LAW REQUIRES THE BUYER TO GIVE YOU A
NOTICE IN WRITING A CERTAIN NUMBER OF
DAYS BEFORE THE BUYER CAN REQUIRE
YOU TO MOVE OUT. THE FEDERAL LAW THAT
REQUIRES THE BUYER TO GIVE YOU THIS
NOTICE IS EFFECTIVE UNTIL DECEMBER 31,
2012. Under federal law, the buyer must give you
at least 90 days' notice in writing before requiring
you to move out. If you are renting this property
under a fixed-term lease (for example, a six-month
or one-year lease), you may stay until the end of
your lease term. If the buyer wants to move in and
use this property as the buyer's primary residence,
the buyer can give you written notice and require
you to move out after 90 days, even if you have a
fixed-term lease with more than 90 days left.
STATE LAW NOTIFICATION REQUIREMENTS
IF THE FEDERAL LAW DOES NOT APPLY,
STATE LAW STILL REQUIRES THE BUYER TO
GIVE YOU NOTICE IN WRITING BEFORE RE-
QUIRING YOU TO MOVE OUT IF YOU ARE OC-
CUPYING AND RENTING THE PROPERTY AS A
TENANT IN GOOD FAITH. EVEN IF THE FED-
ERAL LAW REQUIREMENT IS NO LONGER
EFFECTIVE AFTER DECEMBER 31, 2012, THE
REQUIREMENT UNDER STATE LAW STILL AP-
PLIES TO YOUR SITUATION. Under state law, if
you have a fixed-term lease (for example, a six-
month or one-year lease), the buyer must give you
at least 60 days' notice in writing before requiring
you to move out. If the buyer wants to move in
and use this property as the buyer's primary resi-
dence, the buyer can give you written notice and
require you to move out after 30 days, even if you
have a fixed term lease with more than 30 days
left. If you are renting under a month-to-month or
week-to-week rental agreement, the buyer must
give you at least 30 days' notice in writing before
requiring you to move out. IMPORTANT: For the
buyer to be required to give you a notice under
state law, you must prove to the business or indi-
vidual who is handling the foreclosure sale that
you are occupying and renting this property as a
residential dwelling under a legitimate rental
agreement. The name and address of the busi-
ness or individual who is handling the foreclosure
sale is shown on this notice under the heading
"TRUSTEE". You must mail or deliver your proof
not later than 10/5/2010 (30 days before the date
first set for the foreclosure sale). Your proof must
be in writing and should be a copy of your rental
agreement or lease. If you do not have a written
rental agreement or lease, you can provide other
proof, such as receipts for rent paid. ABOUT
YOUR SECURITY DEPOSIT Under state law, you
may apply your security deposit and any rent you
paid in advance against the current rent you owe
your landlord. To do this, you must notify your
landlord in writing that you want to subtract the
amount of your security deposit or prepaid rent
from your rent payment. You may do this only for
the rent you owe your current landlord. If you do
this, you must do so before the foreclosure sale.
The business or individual who buys this property
at the foreclosure sale is not responsible to you for
any deposit or prepaid rent you paid to your land-
lord. ABOUT YOUR TENANCY AFTER THE
FORECLOSURE SALE The business or individual
who buys this property at the foreclosure sale may
be willing to allow you to stay as a tenant instead
of requiring you to move out. You should contact
the buyer to discuss that possibility if you would
like to stay. Under state law, if the buyer accepts
rent from you, signs a new residential rental
agreement with you or does not notify you in writ-
ing within 30 days after the date of the foreclosure
sale that you must move out, the buyer becomes
your new landlord and must maintain the property.
Otherwise, the buyer is not your landlord and is
not responsible for maintaining the property on
your behalf and you must move out by the date
the buyer specifies in a notice to you. YOU
SHOULD CONTINUE TO PAY RENT TO YOUR
LANDLORD UNTIL THE PROPERTY IS SOLD
TO ANOTHER BUSINESS OR INDIVIDUAL OR
UNTIL A COURT OR A LENDER TELLS YOU
OTHERWISE. IF YOU DO NOT PAY RENT, YOU
CAN BE EVICTED. AS EXPLAINED ABOVE,
YOU MAY BE ABLE TO APPLY A DEPOSIT OR
RENT YOU PREPAID AGAINST YOUR CUR-
RENT RENT OBLIGATION. BE SURE TO KEEP
PROOF OF ANY PAYMENTS YOU MAKE AND
OF ANY NOTICE YOU GIVE OR RECEIVE CON-
CERNING THE APPLICATION OF YOUR DE-
POSIT OR PREPAID RENT. IT IS UNLAWFUL
FOR ANY PERSON TO TRY TO FORCE YOU
TO LEAVE YOUR HOME WITHOUT FIRST GO-
ING TO COURT TO EVICT YOU. FOR MORE
INFORMATION ABOUT YOUR RIGHTS, YOU
MAY WISH TO CONSULT A LAWYER. If you
believe you need legal assistance, 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 you do not have
enough money to pay a lawyer or are otherwise
eligible, you may be able to receive legal assis-
tance for free. Information about whom to contact
for free legal assistance is included with this no-
tice. Oregon State Bar (503) 684-3763; (800) 452-
7636 Legal assistance: www.lawhelp.org/or/
index.cfm Dated: 6/29/2010 First American Title
Insurance Company, as Trustee 3 First American
Way Santa Ana, CA 92707 Signature By: Brooke
Frank, Assistant Secretary Quality Loan Service
Corp. of Washington, as agent for First American
Title Insurance Company 2141 5th Avenue San
Diego, CA 92101 619-645-7711 For Non-Sale
Information: Quality Loan Service Corp. of Wash-
ington 2141 5th Avenue San Diego, CA 92101
619-645-7711 Fax: 619-645-7716 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 note holder’s rights against the real
property only. This Office is attempting to collect a
debt and any information obtained will be used for
that purpose. As required by law, you are hereby
notified that a negative credit report reflecting on
your credit record may be submitted to a credit
report agency if you fail to fulfill the terms of your
credit obligations. P#719257
TRUSTEE’S NOTICE OF SALE T.S. No.: OR-09-
239769-SH Reference is made to that certain
deed made by James Huguley as Grantor to Key
Title Company, as Trustee, in favor of FT Mort-
gage Companies d/b/a Premier Mortgage Re-
sources, as Beneficiary, dated 11/19/1999, re-
corded 11/29/1999, in official records of Josephine
County, Oregon, in book/reel/volume No. xxx, at
page No. xxx fee/file/instrument/microfile/
reception No. 99-24879 covering the following
described real property situated in said County
and State, to wit: APN: R330027 Lot 1 of Cave
Junction in the City of Cave Junction, Josephine
County, Oregon. Commonly known as: 126 Caves
Highway Cave Junction, OR 97523 Both the
beneficiary and the trustee have elected to sell the
said real property to satisfy the obligations se-
cured by said trust deed and notice has been re-
corded pursuant to Section 86.735 (3) of Oregon
Revised Statutes; the default for which the foreclo-
sure is made is the grantor’s: The installments of
principal and interest which became due on
10/1/2008, and all subsequent installments of prin-
cipal and interest through the date of this Notice,
plus amounts that are due for late charges, delin-
quent property taxes, insurance premiums, ad-
vances made on senior liens, taxes and/or insur-
ance, trustee’s fees, and any attorney fees and
court costs arising from or associated with the
beneficiaries efforts to protect and preserve its
security, all of which must be paid as a condition
of reinstatement, including all sums that shall ac-
crue through reinstatement or pay-off. Nothing in
this notice shall be construed as a waiver of any
fees owing to the Beneficiary under the Deed of
Trust pursuant to the terms of the loan docu-
ments. Monthly Payment $501.46 Monthly Late
Charge $19.49 By this reason of said default the
beneficiary has declared all obligations secured by
said trust deed immediately due and payable, said
sums being the following, to wit: The sum of
$44,527.17 together with interest thereon at the
rate of 8.8750 per annum from 9/1/2008 until paid;
plus all accrued late charges thereon; and all trus-
tee’s fees, foreclosure costs and any sums ad-
vanced by the beneficiary pursuant to the terms of
said deed of trust. Whereof, notice hereby is given
that, First American Title Insurance Company, the
undersigned trustee will, on 11/9/2010, at the hour
of 01:00 PM, Standard of Time, as established by
section 187.110, Oregon Revised Statutes, at the
front door to the Josephine County Courthouse,
500 NW 6th Street Grants Pass, OR County of
Josephine, State of Oregon, sell at public auction
to the highest bidder for cash the interest in the
said described real property which the grantor had
or had power to convey at the time of execution by
him of the said trust deed, together with any inter-
est 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 section 86.753 of
Oregon Revised Statutes has the right to have the
foreclosure proceeding dismissed and the trust
deed reinstated by payment to the beneficiary of
the entire amount then due (other than such por-
tion of said principal as would not then be due had
no default occurred), together with the costs, trus-
tee’s and attorney’s fees and curing any other
default complained of in the Notice of Default by
tendering the performance required under the
obligation or trust deed, at any time prior to five
days before the date last set for sale. For Sale
Information Call: 714-573-1965 or Login to
www.priorityposting.com. In construing this notice,
the masculine gender includes the feminine and
the neuter, the singular includes plural, the word
“grantor” includes any successor in interest to the
grantor as well as any other persons owing an
obligation, the performance of which is secured by
said trust deed, the words “trustee” and
“beneficiary” include their respective successors in
interest, if any. Pursuant to Oregon Law, this sale
will not be deemed final until the Trustee’s deed
has been issued by First American Title Insurance
Company. If there are any irregularities discov-
ered within 10 days of the date of this sale, that
the trustee will rescind the sale, return the buyer’s
money and take further action as necessary. If the
Trustee is unable to convey title for any reason,
the successful bidder’s sole and exclusive remedy
shall be the return of monies paid to the Trustee,
and the successful bidder shall have no further
recourse. If the sale is set aside for any reason,
the Purchaser at the sale shall be entitled only to
a return of the deposit paid. The Purchaser shall
have no further recourse against the Mortgagor,
the Mortgagee, or the Mortgagee’s Attorney. NO-
TICE TO RESIDENTIAL TENANTS The property
in which you are living is in foreclosure. A foreclo-
sure sale is scheduled for 11/9/2010. Unless the
lender who is foreclosing on this property is paid,
the foreclosure will go through and someone new
will own this property. The following information
applies to you only if you occupy and rent this
property as a residential dwelling under a legiti-
mate rental agreement. The information does not
apply to you if you own this property or if you are
not a residential tenant. If the foreclosure goes
through, the business or individual who buys this
property at the foreclosure sale has the right to
require you to move out. The buyer must first give
you an eviction notice in writing that specifies the
date by which you must move out. The buyer may
not give you this notice until after the foreclosure
sale happens. If you do not leave before the move
-out date, the buyer can have the sheriff remove
you from the property after a court hearing. You
will receive notice of the court hearing. FEDERAL
LAW REQUIRES YOU TO BE NOTIFIED IF YOU
ARE OCCUPYING AND RENTING THIS PROP-
ERTY AS A RESIDENTIAL DWELLING UNDER A
LEGITIMATE RENTAL AGREEMENT, FEDERAL
LAW REQUIRES THE BUYER TO GIVE YOU A
NOTICE IN WRITING A CERTAIN NUMBER OF
DAYS BEFORE THE BUYER CAN REQUIRE
YOU TO MOVE OUT. THE FEDERAL LAW THAT
REQUIRES THE BUYER TO GIVE YOU THIS
NOTICE IS EFFECTIVE UNTIL DECEMBER 31,
2012. Under federal law, the buyer must give you
at least 90 days' notice in writing before requiring
you to move out. If you are renting this property
under a fixed-term lease (for example, a six-month
or one-year lease), you may stay until the end of
your lease term. If the buyer wants to move in and
use this property as the buyer's primary residence,
the buyer can give you written notice and require
you to move out after 90 days, even if you have a
fixed-term lease with more than 90 days left.
STATE LAW NOTIFICATION REQUIREMENTS
IF THE FEDERAL LAW DOES NOT APPLY,
STATE LAW STILL REQUIRES THE BUYER TO
GIVE YOU NOTICE IN WRITING BEFORE RE-
QUIRING YOU TO MOVE OUT IF YOU ARE OC-
CUPYING AND RENTING THE PROPERTY AS A
TENANT IN GOOD FAITH. EVEN IF THE FED-
ERAL LAW REQUIREMENT IS NO LONGER
EFFECTIVE AFTER DECEMBER 31, 2012, THE
REQUIREMENT UNDER STATE LAW STILL AP-
PLIES TO YOUR SITUATION. Under state law, if
you have a fixed-term lease (for example, a six-
month or one-year lease), the buyer must give you
at least 60 days' notice in writing before requiring
you to move out. If the buyer wants to move in
and use this property as the buyer's primary resi-
dence, the buyer can give you written notice and
require you to move out after 30 days, even if you
have a fixed term lease with more than 30 days
left. If you are renting under a month-to-month or
week-to-week rental agreement, the buyer must
give you at least 30 days' notice in writing before
requiring you to move out. IMPORTANT: For the
buyer to be required to give you a notice under
state law, you must prove to the business or indi-
vidual who is handling the foreclosure sale that
you are occupying and renting this property as a
residential dwelling under a legitimate rental
agreement. The name and address of the busi-
ness or individual who is handling the foreclosure
sale is shown on this notice under the heading
"TRUSTEE". You must mail or deliver your proof
not later than 10/10/2010 (30 days before the date
first set for the foreclosure sale). Your proof must
be in writing and should be a copy of your rental
agreement or lease. If you do not have a written
rental agreement or lease, you can provide other
proof, such as receipts for rent paid. ABOUT
YOUR SECURITY DEPOSIT Under state law, you
may apply your security deposit and any rent you
paid in advance against the current rent you owe
your landlord. To do this, you must notify your
landlord in writing that you want to subtract the
amount of your security deposit or prepaid rent
from your rent payment. You may do this only for
the rent you owe your current landlord. If you do
this, you must do so before the foreclosure sale.
The business or individual who buys this property
at the foreclosure sale is not responsible to you for
any deposit or prepaid rent you paid to your land-
lord. ABOUT YOUR TENANCY AFTER THE
FORECLOSURE SALE The business or individual
who buys this property at the foreclosure sale may
be willing to allow you to stay as a tenant instead
of requiring you to move out. You should contact
the buyer to discuss that possibility if you would
like to stay. Under state law, if the buyer accepts
rent from you, signs a new residential rental
agreement with you or does not notify you in writ-
ing within 30 days after the date of the foreclosure
sale that you must move out, the buyer becomes
your new landlord and must maintain the property.
Otherwise, the buyer is not your landlord and is
not responsible for maintaining the property on
your behalf and you must move out by the date
the buyer specifies in a notice to you. YOU
SHOULD CONTINUE TO PAY RENT TO YOUR
LANDLORD UNTIL THE PROPERTY IS SOLD
TO ANOTHER BUSINESS OR INDIVIDUAL OR
UNTIL A COURT OR A LENDER TELLS YOU
OTHERWISE. IF YOU DO NOT PAY RENT, YOU
CAN BE EVICTED. AS EXPLAINED ABOVE,
YOU MAY BE ABLE TO APPLY A DEPOSIT OR
RENT YOU PREPAID AGAINST YOUR CUR-
RENT RENT OBLIGATION. BE SURE TO KEEP
PROOF OF ANY PAYMENTS YOU MAKE AND
OF ANY NOTICE YOU GIVE OR RECEIVE CON-
CERNING THE APPLICATION OF YOUR DE-
POSIT OR PREPAID RENT. IT IS UNLAWFUL
FOR ANY PERSON TO TRY TO FORCE YOU
TO LEAVE YOUR HOME WITHOUT FIRST GO-
ING TO COURT TO EVICT YOU. FOR MORE
INFORMATION ABOUT YOUR RIGHTS, YOU
MAY WISH TO CONSULT A LAWYER. If you
believe you need legal assistance, 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 you do not have
enough money to pay a lawyer or are otherwise
eligible, you may be able to receive legal assis-
tance for free. Information about whom to contact
for free legal assistance is included with this no-
tice. Oregon State Bar (503) 684-3763; (800) 452-
7636 Legal assistance: www.lawhelp.org/or/
index.cfm Dated: 6/29/2010 First American Title
Insurance Company, as Trustee 3 First American
Way Santa Ana, CA 92707 Signature By: Brooke
Frank, Assistant Secretary Quality Loan Service
Corp. of Washington, as agent for First American
Title Insurance Company 2141 5th Avenue San
Diego, CA 92101 619-645-7711 For Non-Sale
Information: Quality Loan Service Corp. of Wash-
ington 2141 5th Avenue San Diego, CA 92101
619-645-7711 Fax: 619-645-7716 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 note holder’s rights against the real
property only. This Office is attempting to collect a
debt and any information obtained will be used for
that purpose. As required by law, you are hereby
notified that a negative credit report reflecting on
your credit record may be submitted to a credit
report agency if you fail to fulfill the terms of your
credit obligations. P#719259
Publish & Affd.:
Publish & Affd.:
7/7, 7/14, 7/21, 07/28/2010
7/7, 7/14, 7/21, 07/28/2010
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