d e t e r m in e
the
e xa c t
REINSTATEMENT AMOUNT.
IN ORDER TO HAVE THE
FORECLOSURE PROCEED
ING DISMISSED, YOU MUST
PAY THE REINSTATEMENT
AMOUNT AT ANY TIME
PRIOR TO FIVE DAYS BE
FORE THE DATE LAST SET
FOR THE SALE. THEREAF
TER, AND PURSUANT TO
PARAGRAPH 4 BELOW, YOU
WILL HAVE TO PAY YOUR
ENTIRE LOAN BALANCE
PLUS ALL OTHER CHARGES
LISTED IN PARAGRAPH 3 OF
THIS NOTICE IN FULL IN
ORDER TO STOP THE FORE
CLOSURE SALE. FOR FUR
THER INFORMATION, ON
REINSTATEMENT OR PAY
OFFS, WRITE US AT H&L
SERVICES, INC., A TTEN
TION: REINSTATEMENT DE
PARTMENT, 1111 THIRD AV
ENUE, SUITE 3400, SEATTLE,
WA 98001 OR CALL US AT
(206) 386-5470. UNLESS OTH
ERWISE AGREED WITH THE
CREDITOR, ALL REIN
STATEMENT AND PAYOFF
FUNDS MUST BE IN THE
FORM OF A CASHIER’S OR
CERTIFIED CHECK.
The creditor to whom this
amount is owed is WASHING
TON MUTUAL BANK.
THE
INFORM ATION
ABOVE IS PROVIDED IN
COM PLIANCE WITH THE
FEDERAL FAIR DEBT COL
LECTION PRACTICES ACT.
TRUSTEE’S NOTICE OF SALE
1. DEFAULT:
Reference is made to that
certain trust deed made by
KEVIN AND TRACIE STER-
RENBERG AS TENANTS BY
THE ENTIRETY, as grantor, to
AMERITITLE, as trustee, in fa
vor o f WASHINGTON MU
TUAL BANK, as beneficiary,
dated JULY 28, 1998, recorded
^ JULY 31, 1998, in the mortgage
records of Morrow County, Ore-
’ gon, as Fee No. M-54949, cov-
• ering the following described real
and personal property (the “Prop
erty ” ) situated in M orrow
County, Oregon, to-wit:
SEE ATTACHED EXHIBIT “A”
THE PROPERTY IN
CLUDES A M ANUFAC
TURED HOME, LIBERTY
(MANUFACTURER), 1985 64 x
14 LIBERTY (MODEL), SE
RIAL NUMBER 09620567.
The Property is more com
monly known as 363 ANDER
SON, BO ARDM AN, OR 97818.
2. ELECTION TO SELL &
AMOUNTS PAST DUE
*
The Beneficiary has elected
to proceed as to both the personal
property and the real property in
"accordance with the rights with
respect to the real property and
as perm itted by O.R.S.
79.5010(4). Both the beneficiary
and the trustee have elected to
sell the said Property to satisfy
the obligations secured by said
trust deed and a notice of default
has been recorded pursuant to
O regon Revised Statutes
86.753(3); the defaults for which
the foreclosure is made are:
(a) Grantor’s failure to pay
when due the following sums:
MONTHLY PAYMENTS:
Amount o f monthly pay
ments due July 30, 2001 through
January 30, 2002
Monthly Payments subtotal
$1,301.88
LATE CHARGES:
Accrued late charges for each
m onthly paym ent not made
within 15 days of its due date
Late Charges subtotal $84.25
TOTAL MONTHLY PAY
M ENTS
AND
LATE
CHARGES: $1,386.13
(b) Pursuant to Paragraph 5
of the Deed of Trust, transfer of
title to the property to Richard
Sterrenberg.
3. OTHER CHARGES,
COSTS AND FEES:
In addition to the amounts in
arrears specified above, in order
to reinstate the loan, you are
obliged to pay the following
charges, costs and fees to rein
state the Deed of Trust:
Title Reports $175.00
Process Service Charges $ 115.00
Copying / Faxing / Telephone
$50.00
T r u s t e e ’s / A t t o r n e y ’ s F ee
$550.00
Postage Fee $15.00
Recording Fees $85.00
Miscellaneous Lender Fees $7.60
Publication Fees Varies*
TOTAL CHARGES. COSTS
AND FEES $997.60 **
•Publication fees can vary
from $600 to $2000 depending on
the county, newspaper, and num
ber of words to be published. The
cost of publication for this sale
is not yet ascertainable, but the
information will be available 20
days before the scheduled sale
date by calling the number listed
above.
**As described in the intro
duction to this notice, there may
be additional costs not yet
ascertainable at this time due to
interest, late charges, and other
charges that accrue subsequent to
the date of this notice. The total
amount necessary to cure may be
greater or less depending on
when you cure the default. Please
call us at the number listed above
to determine the exact reinstate
ment amount. You must ALSO
record a deed transferring title to
the property from Richard
Sterrenberg back to the original
grantors of the deed of trust and
furnish evidence o f same to
Trustee.
4. DECLARATION OF ALL
SUMS OWING IF DEFAULT IS
NOT CURED AT LEAST FIVE
DAYS PRIOR TO TRUSTEE’S
SALE
By reason of said default, the
beneficiary declares all sums
owing on the obligation secured
by the trust deed due and payable
in full (including principal, inter
est, late fees, and other charges)
if the Grantor fails to cure default
at least FIVE DAYS PRIOR TO
the sale date listed in Section 5.
As of the date of this notice, the
obligation secured by the Trust
Deed includes an unpaid princi
pal balance of $18,422.86 plus
interest thereon at a rate o f
9.625% from June 30,2001 until
paid; plus late charges of $84.25
through January 30, 2002, plus
$7.96 for every month thereafter
the regular monthly payment is
more than 15 days late, plus es
crow advances of $126.64, recon
veyance fees of $65.00, and the
amounts listed in paragraph 3
above.
5. TRUSTEE’S SALE
W HEREFORE,
notice
hereby is given that the under
signed trustee will on JUNE 14,
2002, at the hour of 10:00 o’clock
A.M., in accordance with the
standard of time established by
ORS 187.110, at the front en
trance o f the Morrow County
Courthouse, 100 Court Street, in
the City of Heppner, County of
Morrow, State of Oregon, sell at
public auction to the highest bid
der for cash the interest in the said
described Property which the
grantor had or had power to con
vey at the time of the execution
by grantor of the trust deed, to
gether with any interest which the
grantor or the grantor’s succes
sors in interest acquired after the
execution of grantor of the trust
deed, to satisfy the foregoing ob
ligations thereby secured and the
costs and expenses o f sale, in
cluding 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 dis
missed and the trust deed rein
stated by payment to the benefi
ciary 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 ca
pable of being cured by tender
ing the performance required un
der the obligation or trust deed,
and in addition to paying said
sums or tendering the perfor
mance necessary to cure the de
fault, by paying all costs and ex
penses actually incurred in en
forcing 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
singular includes the plural, the
word “grantor" includes any suc
cessor in interest to the grantor
as well as any other person ow
ing the obligation, the perfor
mance of which is secured by
said trust deed, and the words
“trustee” and “beneficiary" in
clude their respective successors
in interest, if any.
6. INQUIRIES
Inquiries regarding reinstate
ment, payoff or debt verification
should be directed to the ad
dresses and telephone numbers
shown on the first page of this
notice. All other inquiries con
cerning this notice should be di
rected to the undersigned.
DATED: February 11,2002.
FUNDS MUST BE IN THE
/s/ Steven G. Jones,
FORM OF A CASHIER’S OR
Successor Trustee CERTIFIED CHECK.
C/O H&L SERVICES, INC.
The creditor to whom this
1111 THIRD AVENUE, #3400 amount is owed is WASHING
Seattle, Washington 98104-7006 TON MUTUAL BANK.
(206) 386-5470
THE
INFORMATION
STATE OF WASHINGTON )
ABOVE IS PROVIDED IN
)ss COMPLIANCE WITH THE
COUNTY OF KING
)
FEDERAL FAIR DEBT COL
I,
the undersigned, certify LECTION PRACTICES ACT.
that I am the attorney or one of TRUSTEE’S NOTICE OF SALE
the attorneys for the above named
1. DEFAULT:
successor trustee and that the
Reference is made to that
foregoing is a complete and ex certain trust deed made by
act copy of the original trustee’s KEVIN AND TRACIE STER
notice of sale.
RENBERG AS TENANTS BY
FOSTER PEPPER & THE ENTIRETY, as grantor, to
SHEFELMAN PLLC AMERITITLE, as trustee, in fa
/s/ Jennifer Droz vor of WASHINGTON MU
Attorney for Successor Trustee TUAL BANK, as beneficiary,
EXHIBIT “A”
dated JULY 28, 1998, recorded
Legal Description
JULY 31, 1998, in the mortgage
Lot 22, Block 1, SUNRIDGE records of Morrow County, Ore
TERRACE PHASE II, in the City gon, as Fee No. M-54951, cov
of Boardman, County of Morrow ering the following described real
and State of Oregon—
and personal property (the “Prop
Published: April 24, May 1,8 and erty” ) situated in Morrow
15,2002
County, Oregon, to-wit:
Affid______________________
SEE ATTACHED EXHIBIT “A”
THE PROPERTY IN
PUBLIC NOTICE
CLUDES A M ANUFAC
STERRENBERG
TURED HOME, FLEETWOOD
93531-930444
(MANUFACTURER), 1977 60 x
WE ARE A DEBT COL
24 BARRINGTON (MODEL),
LECTOR. THIS COMMUNI
SERIAL
NUMBER
CATION IS AN ATTEMPT TO
WAF12730311146AB.
COLLECT A DEBT AND ANY
The Property is more com
INFORMATION OBTAINED
m only
known
as
324
WILL BE USED FOR THAT
MALHEUR, BOARDMAN, OR
PURPOSE.
97818.
If within thirty (30) days of
2. ELECTION TO SELL &
your receipt o f this notice you
AMOUNTS PAST DUE
give notice to the undersigned, in
The Beneficiary has elected
writing, that you dispute the debt
to proceed as to both the personal
referred to, or any portion of it,
property and the real property in
we will mail a verification of
accordance with the rights with
such debt to you. In addition, if
respect to the real property and
you make the request within said
as perm itted by O .R.S.
thirty (30) days in writing, we 79.5010(4). Both the beneficiary
will provide you with the name
and the trustee have elected to
and address of the original credi sell the said Property to satisfy
tor, if other than the present credi
the obligations secured by said
tor shown. Notices under this trust deed and a notice of default
paragraph should be sent to H&L has been recorded pursuant to
Services, Inc., Attention: Debt O regon Revised Statutes
Verification Department, 1111
86.753(3); the defaults for which
Third Avenue, Suite 3400, Se the foreclosure is made are:
attle, WA 98101. Unless within
(a) Grantor’s failure to pay
thirty (30) days of your receipt when due the following sums:
of this notice, we receive notice
MONTHLY PAYMENTS:
that you dispute the debt, or some
Amount o f monthly pay
portion of the debt, we will as ments due July 30,2001 through
sume the debt amount is valid. January 30, 2002
The purpose of this notice is to
Monthly Payments subtotal
collect the indebtedness due, or $1,942.85
in the alternative, to repossess the
LATE CHARGES:
Property (as defined below)
Accrued late charges for each
which is the security of said debt. m onthly paym ent not made
IMPORTANT!
within 15 days of its due date
PLEASE READ!
Late Charges subtotal
AS OF THE DATE OF THIS $165.13
NOTICE,
THE
TOTAL
TOTAL MONTHLY PAY
AMOUNT NECESSARY TO
MENTS
AND
LATE
HAVE THIS FORECLOSURE
CHARGES: $2,107.98
PROCEEDING DISM ISSED
(b) Pursuant to Paragraph 5
AND THE TRUST DEED RE of the Deed of Trust, transfer of
INSTATED IS ESTIMATED
title to the property to Richard
TO BE $3,207.58. THIS IS THE
Sterrenberg.
AMOUNT LISTED IN PARA
3. OTHER CHARGES.
GRAPHS 2 AND 3 BELOW
COSTS AND FEES:
AND IS REFERRED TO IN
In addition to the amounts in
THIS NOTICE AS THE REIN
arrears specified above, in order
STATEMENT AMOUNT. BE to reinstate the loan, you are
CAUSE OF INTEREST, LATE obliged to pay the following
CHARGES, AND OTHER
charges, costs and fees to rein
CHARGES THAT MAY AC state the Deed of Trust:
CRUE SUBSEQUENT TO THE Title Reports $217.00
DATE OF THIS NOTICE, THE Process Service Charges $ 115.00
AMOUNT DUE ON THE DAY Copying / Faxing / Telephone
YOU ACTUALLY PAY WILL $50.00
PROBABLY BE GREATER OR T ru stee’s/A tto rn ey 's
Fee
LESS DEPENDING ON WHEN
$550.00
YOU CURE. PLEASE CON Postage Fee $15.00
TACT OUR REIN STA TE Recording Fees $85.00
MENT DEPARTM ENT AT
M iscellaneous Lender Fees
(206) 386-5470 BEFORE
$67.60
SENDING YOUR CHECK TO Publication Fees Varies*
DETERMINE THE EXACT TOTAL CHARGES. COSTS
REINSTATEMENT AMOUNT.
AND FEES $1,099.60 **
IN ORDER TO HAVE THE
•Publication fees can vary
FORECLOSURE PROCEED from $600 to $2000 depending on
ING DISMISSED. YOU MUST the county, newspaper, and num
PAY THE REINSTATEMENT ber of words to be published. The
AMOUNT AT ANY TIME
cost of publication for this sale
PRIOR TO FIVE DAYS BE is not yet ascertainable, but the
FORE THE DATE LAST SET information will be available 20
FOR THE SALE. THEREAF days before the scheduled sale
TER. AND PURSUANT TO date by calling the number listed
PARAGRAPH 4 BELOW. YOU above.
WILL HAVE TO PAY YOUR
**As described in the intro
ENTIRE LOAN BALANCE
duction to this notice, there may
PLUS ALL OTHER CHARGES be additional costs not yet
LISTED IN PARAGRAPH 3 OF ascertainable at this time due to
THIS NOTICE IN FULL IN
interest, late charges, and other
ORDER TO STOP THE FORE charges that accrue subsequent to
CLOSURE SALE. FOR FUR
the date of this notice. The total
THER INFORMATION. ON
amount necessary to cure may be
REINSTATEMENT OR PAY
greater or less depending on
OFFS, WRITE US AT H&L
when you cure the default. Please
SERVICES. INC.. A TTEN
call us at the number listed above
TION: REINSTATEMENT DE
to determine the exact reinstate
PARTMENT. 1111 THIRD AV
ment amount. You must ALSO
ENUE. SUITE 3400. SEATTLE,
record a deed transferring title to
WA 98001 OR CALL US AT
the property from Richard
(206) 386-5470. UNLESS OTH
Sterrenberg back to the original
ERWISE AGREED WITH THE
grantors of the deed of trust and
CREDITOR. ALL R EIN
furnish evidence o f same to
STATEMENT AND PAYOFF
Trustee.
I
Heppner Gazette-Times, Heppner, Oregon Wednesday, May 1, 2002 - NINE
4. DECLARATION OF ALL
SUMS OWING IF DEFAULT IS
NOT CURED AT LEAST FIVE
DAYS PRIOR TO TRUSTEE’S
SALE
By reason of said default, the
beneficiary declares all sums
owing on the obligation secured
by the trust deed due and payable
in full (including principal, inter
est, late fees, and other charges)
if the Grantor fails to cure default
at least FIVE DAYS PRIOR TO
the sale date listed in Section 5.
As of the date of this notice, the
obligation secured by the Trust
Deed includes an unpaid princi
pal balance of $28,153.93 plus
interest thereon at a rate of
9.625% from June 30,2001 until
paid; plus late charges of $ 163.15
through January 30, 2002, plus
$12.17 for every month thereaf
ter the regular monthly payment
is more than 15 days late, plus
escrow advances of $169.57, re
conveyance fees of $65.00, and
the amounts listed in paragraph
3 above.
5. TRUSTEE’S SALE
W HEREFORE,
notice
hereby is given that the under
signed trustee will on JUNE 14,
2002, at the hour of 10:00 o’clock
A.M., in accordance with the
standard of time established by
ORS 187.110, at the front en
trance o f the Morrow County
Courthouse, 100 Court Street, in
the City of Heppner. County of
Morrow, State of Oregon, sell at
public auction to the highest bid
der for cash the interest in the said
described Property which the
grantor had or had power to con
vey at the time of the execution
by grantor of the trust deed, to
gether with any interest which the
grantor or the grantor’s succes
sors in interest acquired after the
execution of grantor of the trust
deed, to satisfy the foregoing ob
ligations thereby secured and the
costs and expenses of sale, in
cluding 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 dis
missed and the trust deed rein
stated by payment to the benefi
ciary 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 ca
pable of being cured by tender
ing the performance required un
der the obligation or trust deed,
and in addition to paying said
sums or tendering the perfor
mance necessary to cure the de
fault, by paying all costs and ex
penses actually incurred in en
forcing 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
singular includes the plural, the
word “grantor” includes any suc
cessor in interest to the grantor
as well as any other person ow
ing the obligation, the perfor
mance of which is secured by
said trust deed, and the words
“trustee” and “beneficiary” in
clude their respective successors
in interest, if any.
6. INQUIRIES
Inquiries regarding reinstate
ment, payoff or debt verification
should be directed to the ad
dresses and telephone numbers
shown on the first page of this
notice. All other inquiries con
cerning this notice should be di
rected to the undersigned.
DATED: February 11,2002.
/s/ Steven G. Jones,
Successor Trustee
C/O H&L SERVICES. INC.
1111 THIRD AVENUE. #3400
Seattle. Washington 98104-7006
(206) 386-5470
STATE OF WASHINGTON )
)ss
COUNTY OF KING
)
I. the undersigned, certify
that I am the attorney or one of
the attorneys for the abov e named
successor trustee and that the
foregoing is a complete and ex
act copy of the original trustee's
notice of sale.
FOSTER PEPPER &
SHEFELMAN PLLC
/s/ Jennifer Droz
Attorney for Successor Trustee
EXHIBIT “A"
Legal Description
Lot 19. Block 2, Tract B.
SUNRIDGE TERRACE PHASE
III, in the City of Boardman.
County of Morrow and State of
Oregon—
Published: April 24, May 1,8 and
15,2002
Affid______________________
PUBLIC NOTICE
STERRENBERG
93531-930445
WE ARE A DEBT COL
LECTOR THIS COMMUNI
CATION IS AN ATTEMPT TO
COLLECT A DEBT AND ANY
INFORMATION OBTAINED
WILL BE USED FOR THAT
PURPOSE.
If within thirty (30) days of
your receipt of this notice you
give notice to the undersigned, in
writing, that you dispute the debt
referred to, or any portion of it,
we will mail a verification of
such debt to you. In addition, if
you make the request within said
thirty (30) days in writing, we
will provide you with the name
and address of the original cred
itor, if other than the present cred
itor shown. Notices under this
paragraph should be sent to H&L
Services, Inc., Attention: Debt
Verification Department, 1111
Third Avenue, Suite 3400, Seat
tle, WA 98101. Unless within
thirty (30) days of your receipt
of this notice, we receive notice
that you dispute the debt, or some
portion of the debt, we will as
sume the debt amount is valid;
The purpose of this notice is tó
collect the indebtedness due, of
in the alternative, to repossess the
Property (as defined below )
which is the security of said debt,
IMPORTANT!
PLEASE READ!
AS OF THE DATE OF THIS
NOTICE,
THE
TOTAL
AMOUNT NECESSARY TO
HAVE THIS FORECLOSURE
PROCEEDING DISMISSED
AND THE TRUST DEED RE
INSTATED IS ESTIMATED
TO BE $2,628.86. THIS IS THE
AMOUNT LISTED IN PARA
GRAPHS 2 AND 3 BELOW
AND IS REFERRED TO IN
THIS NOTICE AS THE REIN^
STATEMENT AMOUNT. BE
CAUSE OF INTEREST, LATI;
CHARGES, AND OTHER
CHARGES THAT MAY AC
CRUE SUBSEQUENT TO THE
DATE OF THIS NOTICE, THE
AMOUNT DUE ON THE DAY
YOU ACTUALLY PAY WILL
PROBABLY BE GREATER OR
LESS DEPENDING ON WHEN
YOU CURE. PLEASE CON
TACT OUR REIN STA TE
MENT DEPARTM ENT AT
(206) 386-5470 BEFORE
SENDING YOUR CHECK TO
DETERMINE THE EXACT
REINSTATEMENT AMOUNT.
IN ORDER TO HAVE THE
FORECLOSURE PROCEED
ING DISMISSED, YOU MUST
PAY THE REINSTATEMENT
AMOUNT AT ANY TIME PRI
OR TO FIVE DAYS BEFORE
THE DATE LAST SET FOR
THE SALE. THEREAFTER,
AND PURSUANT TO PARA
GRAPH 4 BELOW. YOU WILL
HAVE TO PAY YOUR ENTIRE
LOAN BALANCE PLUS ALL
OTHER CHARGES LISTED IN
PARAGRAPH 3 OF THIS NO
TICE IN FULL IN ORDER TO
STOP THE FORECLOSURE
SALE. FOR FURTHER INFOR
MATION. ON REINSTATE
MENT OR PAYOFFS, WRITE
US AT H&L SERVICES, INC.,
ATTENTION: REINSTATE
MENT DEPARTMENT, 1111
THIRD AVENUE. SUITE 3400,
SEATTLE. WA 98001 OR
CALL US AT (206) 386-5470.'
UNLESS
OTHERW ISE
AGREED WITH THE CREDI
TOR, ALL REINSTATEMENT
AND PAYOFF FUNDS MUST
BE IN THE FORM OF A CASH
IER’S OR CERTIFIED CHECK.
The creditor to whom this
amount is owed is WASHING
TON MUTUAL BANK.
THE
INFORM ATION
ABOVE IS PROVIDED IN
COM PLIANCE WITH THE
FEDERAL FAIR DEBT COL
LECTION PRACTICES ACT.
TRUSTEE'S NOTICE OF SALE
1. DEFAULT:
Reference is made to that
certain trust deed made by
KEVIN AND TRACIE STER
RENBERG AS TENANTS BY
THE ENTIRETY, as grantor, to
AMERITITLE, as trustee, in fa
vor of WASHINGTON MUTU
AL BANK, as beneficiary, dated
JULY 28. 1998. recorded JULY
31,1998. in the mortgage records
of Morrow County, Oregon, as
Fee No. M-54946. covering the
follow ing described real and per-
continued next page