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About Heppner gazette-times. (Heppner, Or.) 1925-current | View Entire Issue (May 8, 2002)
EIGHT - Heppner Gazette-Times, Heppner, Oregon Wednesday, May 8, 2002 STERRENBERG 93531-930441 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 o f 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 credi tor, if other than the present credi tor shown. Notices under this paragraph should be sent to H&L Services, Inc., Attention: Debt Verification Department, 1111 Third Avenue, Suite 3400, Se attle, 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 to collect the indebtedness due, or 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 $2,918.20. 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, LATE 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 DETERM INE THE EXACT 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., ATTEN 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 W ASHINGTON 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-54950, 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, UNKNOWN (MANUFACTURER), 1982 76 x 14 SAHARA (MODEL), SE RIAL NUMBER KB185N213176. The Property is more com monly known as 320 MALHEUR. BOARDMAN, 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 $1,768.90 LATE CHARGES: Accrued late charges for each m onthly paym ent not made within 15 days of its due date Late Charges subtotal $113.70 TOTAL MONTHLY PAY MENTS AND LATE CHARGES: $1,882.60 (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 $213.00 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 $1,035.60 ** * 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 $26,867.05 plus interest thereon at a rate o f 9.625% from June 30,2001 until paid; plus late charges of $ 113.70 through January, 2002, plus $11.59 for every month thereaf ter the regular monthly payment is more than 15 days late, plus escrow advances of $ 131.95, 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 thirty (30) days of your receipt A.M., in accordance with the of this notice, we receive notice standard of time established by that you dispute the debt, or some ORS 187.110, at the front en portion of the debt, we will as trance o f the Morrow County sume the debt amount is valid. Courthouse, 100 Court Street, in The purpose of this notice is to the City of Heppner, County of collect the indebtedness due, or Morrow, State of Oregon, sell at in the alternative, to repossess the public auction to the highest bid Property (as defined below) der for cash the interest in the said which is the security of said debt. described Property which the IMPORTANT! grantor had or had power to con PLEASE READ! vey at the time of the execution AS OF THE DATE OF THIS by grantor of the trust deed, to NOTICE, THE TOTAL gether with any interest which the AMOUNT NECESSARY TO grantor or the grantor’s succes HAVE THIS FORECLOSURE sors in interest acquired after the PROCEEDING DISMISSED execution of grantor of the trust AND THE TRUST DEED RE deed, to satisfy the foregoing ob INSTATED IS ESTIMATED ligations thereby secured and the TO BE $2,561.34. THIS IS THE costs and expenses of sale, in AMOUNT LISTED IN PARA cluding a reasonable charge by GRAPHS 2 AND 3 BELOW the trustee. Notice is further AND IS REFERRED TO IN given that any person named in THIS NOTICE AS THE REIN ORS 86.753 has the right, at any STATEMENT AMOUNT. BE time prior to five days before the CAUSE OF INTEREST, LATE date last set for the sale, to have CHARGES, AND OTHER this foreclosure proceeding dis CHARGES THAT MAY AC missed and the trust deed rein CRUE SUBSEQUENT TO THE stated by payment to the benefi DATE OF THIS NOTICE, THE ciary of the entire amount then AMOUNT DUE ON THE DAY due (other than such portion of YOU ACTUALLY PAY WILL the principal as would not then PROBABLY BE GREATER OR be due had no default occurred) LESS DEPENDING ON WHEN and by curing any other default YOU CURE. PLEASE CON complained of herein that is ca TACT OUR REINSTATE pable of being cured by tender MENT DEPARTMENT AT ing the performance required un (206) 386-5470 BEFORE SENDING YOUR CHECK TO der the obligation or trust deed, and in addition to paying said DETERM INE THE EXACT sums or tendering the perfor REINSTATEMENT AMOUNT. mance necessary to cure the de IN ORDER TO HAVE THE fault, by paying all costs and ex FORECLOSURE PROCEED penses actually incurred in en ING DISMISSED, YOU MUST forcing the obligation and trust PAY THE REINSTATEMENT deed, together with trustee’s and AMOUNT AT ANY TIME PRIOR TO FIVE DAYS BE attorney’s fees not exceeding the amounts provided by said ORS FORE THE DATE LAST SET FOR THE SALE. THEREAF 86.753. In construing this notice, the TER, AND PURSUANT TO singular includes the plural, the PARAGRAPH 4 BELOW, YOU word “grantor” includes any suc WILL HAVE TO PAY YOUR cessor in interest to the grantor ENTIRE LOAN BALANCE as well as any other person ow PLUS ALL OTHER CHARGES ing the obligation, the perfor LISTED IN PARAGRAPH 3 OF mance o f which is secured by THIS NOTICE IN FULL IN said trust deed, and the words ORDER TO STOP THE FORE “trustee” and “beneficiary” in CLOSURE SALE. FOR FUR clude their respective successors THER INFORMATION, ON REINSTATEMENT OR PAY in interest, if any. OFFS, WRITE US AT H&L 6. INQUIRIES Inquiries regarding reinstate SERVICES, INC., ATTEN ment, payoff or debt verification TION: REINSTATEMENT DE should be directed to the ad PARTMENT, 11 H THIRD AV ENUE, SUITE 3400, SEATTLE, dresses and telephone numbers shown on the first page of this WA 98001 OR CALL US AT notice. All other inquiries con (206) 386-5470. UNLESS OTH cerning this notice should be di ERWISE AGREED WITH THE rected to the undersigned. CREDITOR, ALL REIN STATEMENT AND PAYOFF DATED: February 11,2002. FUNDS MUST BE IN THE /s/ Steven G. Jones, Successor Trustee FORM OF A CASHIER’S OR C/O H&L SERVICES, INC. CERTIFIED CHECK. 1111 THIRD AVENUE, #3400 The creditor to whom this Seattle, Washington 98104-7006 amount is owed is WASHING (206) 386-5470 TON MUTUAL BANK. THE INFORMATION STATE OF WASHINGTON ) ABOVE IS PROVIDED IN )ss COM PLIANCE WITH THE COUNTY OF KING ) I, the undersigned, certify FEDERAL FAIR DEBT COL that I am the attorney or one of LECTION PRACTICES ACT. the attorneys for the above named TRUSTEE’S NOTICE OF SALE successor trustee and that the 1. DEFAULT: Reference is made to that foregoing is a complete and ex act copy of the original trustee’s certain trust deed made by notice of sale. KEVIN AND TRACIE STER FOSTER PEPPER & RENBERG AS TENANTS BY SHEFELMAN PLLC THE ENTIRETY, as grantor, to /s/ Jennifer Droz AMERITITLE, as trustee, in fa Attorney for Successor Trustee vor o f WASHINGTON MU EXHIBIT “A” TUAL BANK, as beneficiary, Legal Description dated JULY 28, 1998, recorded Lot 18, Block 2, Tract B, JULY 31, 1998, in the mortgage SUNRIDGE TERRACE, records of Morrow County, Ore PHASE II, in the City o f gon, as Fee No. M-54948, cov Boardman, County of Morrow ering the following described real and personal property (the “Prop and State of Oregon— Published: April 24, May 1,8 and erty ” ) situated in Morrow County, Oregon, to-wit: 15,2002 SEE ATTACHED EXHIBIT “A” Affid______________________ THE PROPERTY IN PUBLIC NOTICE CLUDES A M ANUFAC STERRENBERG TURED HOME, FRONTIER 93531-930442 (MANUFACTURER), 1969 44 x WE ARE A DEBT COL 24 unknown (MODEL), SERIAL LECTOR. THIS COMMUNI NUMBER F43241151. CATION IS AN ATTEMPT TO The Property is more com COLLECT A DEBT AND ANY monly known as 367 ANDER INFORMATION OBTAINED SON, BOARDMAN, OR 97818. WILL BE USED FOR THAT 2. ELECTION TO SELL & PURPOSE. AMOUNTS PAST DUE If within thirty (30) days of The Beneficiary has elected your receipt of this notice you to proceed as to both the personal give notice to the undersigned, in property and the real property in writing, that you dispute the debt accordance with the rights with referred to, or any portion of it, respect to the real property and we will mail a verification of as perm itted by O.R.S. such debt to you. In addition, if 79.5010(4). Both the beneficiary you make the request within said and the trustee have elected to thirty (30) days in writing, we sell the said Property to satisfy will provide you with the name the obligations secured by said and address of the original credi trust deed and a notice of default tor, if other than the present credi has been recorded pursuant to tor shown. Notices under this O regon Revised Statutes paragraph should be sent to H&L 86.753(3); the default for which Services, Inc., Attention: Debt the foreclosure is made is Verification Department, 1111 grantor's failure to pay when due Third Avenue, Suite 3400, Se the following sums: attle, WA 98101. Unless within MONTHLY PAYMENTS: Amount o f monthly pay ments due July 30, 2001 through January 30, 2002 Monthly Payments subtotal $1,428.28 LATE CHARGES: Accrued late charges for each m onthly paym ent not made within 15 days of its due date Late Charges subtotal $125.46 TOTAL MONTHLY PAY MENTS AND LATE CHARGES: $1,553.74 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 $185.00 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 $1,007.60** ♦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. 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 $21,468.42 plus interest thereon at a rate o f 9.625% from June 30,2001 until paid; plus late charges of$ 125.46 through January, 2002, plus $9.27 for every month thereafter the regular monthly payment is more than 15 days late, plus es crow advances of $97.90, 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 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-l 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 above 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 21, Block 1, SUNRIDGE TERRACE PHASE II, 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 93531-930443 ’ W E 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 Teceipt o f 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 credi tor, if other than the present credi tor shown. Notices under this paragraph should be sent to H&L Services, Inc., Attention: Debt Verification Department, 1111 Third Avenue, Suite 3400, Se attle, WA 98101. Unless within thirty (30) days of your receipt of this notice, we receive notice that you dispute the debt, or somd portion of the debt, we will as sume the debt amount is valid. The purpose of this notice is to collect the indebtedness due, or 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 DISM ISSED AND THE TRUST DEED RE INSTATED IS ESTIMATED TO BE $2,383.73. 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, LATE 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 REINSTATE-' MENT DEPARTMENT AT (206) 386-5470 BEFORE SENDING YOUR CHECK TO continued next page ______________________ PUBLIC NOTICE
