NOTICE OF TRUSTEE'S SALE

NOTICE OF TRUSTEE’S SALE

Loan No: ******2207 TS No: 24-11472 PURSUANT TO THE REVISED CODE OF WASHINGTON CHAPTER 61.24 RCW Grantor: STEVEN E. GARRETT and CHERYL L. GARRETT Current Beneficiary of Deed of Trust: U.S. BANK NATIONAL ASSOCIATION Current Mortgage Servicer for the Deed of Trust: U.S. Bank National Association Current Trustee for the Deed of Trust: MICHELLE R. GHIDOTTI, ESQ. Trustee’s address is 1920 Old Tustin Avenue, Santa Ana, CA 92705 (206) 331-3280 If there are any questions regarding this Notice, please contact (206) 331-3280 Reference Number of Deed of Trust: 705341 Parcel Number(s): 105059918070000 Abbr. Legal Description: Lots 6 & 7, B. R. Reed's Addtn to Lacrosse, Whitman Co., WA I. NOTICE IS HEREBY GIVEN that the undersigned Trustee will on 1/24/2025, at 9:00 AM at Whitman County Courthouse, 400 N. Main, Colfax, WA 99111, Main Entrance 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 Whitman, State of Washington, to-wit: SITUATED IN THE COUNTY OF WHITMAN, STATE OF WASHINGTON, TO-WIT: LOTS 6 AND 7, B.R. REED'S ADDITION TO LACROSSE, ACCORDING TO PLAT THEREOF RECORDED IN VOLUME F OF PLATS, PAGE 8, RECORDS OF Whitman County, WASHINGTON. Commonly known as: 112 MAIN ST N LACROSSE, WASHINGTON 99143-0282 which is subject to that certain Deed of Trust dated 5/17/2011, recorded 6/24/2011, under Auditor's File No. 705341, in Book --, Page -- records of Whitman County, Washington, from STEVEN E. GARRETT AND CHERYL L. GARRETT WHO ARE HUSBAND AND WIFE, as Grantor(s), to U.S. BANK TRUST COMPANY, NATIONAL ASSOCIATION, as Trustee, to secure an obligation in favor of U.S. BANK NATIONAL ASSOCIATION ND, as Beneficiary, the beneficial interest in which was assigned to U.S. Bank National Association . 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 11/29/2023 THRU NO.PMT 10 AMOUNT $639.63 TOTAL $6396.30 BENEFICIARY’S ADVANCES, COSTS AND EXPENSES: DESCRIPTION - ADVANCE AMOUNT: 8/26/2024 Accrued Late Charges $261.00 8/26/2024 MTGR REC CORP ADVANCE $990.00 8/26/2024 Credit ($86.31) TOTAL DUE AS OF: 8/26/2024 $7,560.99 IV. The sum owing on the obligation secured by the Deed of Trust is: The principal sum of $45,728.61, together with interest as provided in the Note from 11/29/2023, and such other costs and fees 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. Said sale will be made without warranty, expressed or implied, regarding title, possession or encumbrances on 1/24/2025. The defaults referred to in Paragraph III must be cured by 1/13/2025, (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 1/13/2025 (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 1/13/2025 (11 days before the sale date) and before the sale, by the Borrower or Grantor or the holder of any recorded junior lien or encumbrance by paying the principal and interest, 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 CHERYL L. GARRETT 112 MAIN ST N LACROSSE, WASHINGTON 99143-0282 CHERYL L. GARRETT 417 N DE CLARK AVE#1 EMMETT, ID 83617 CHERYL L. GARRETT 417 N DE CLARK AVE#3 EMMETT, ID 83617-3155 STEVEN E. GARRETT 112 MAIN ST N LACROSSE, WASHINGTON 99143-0282 STEVEN E. GARRETT 417 N DE CLARK AVE #1 EMMETT, ID 83617 STEVEN E. GARRETT 417 N DE CLARK AVE #3 EMMETT, ID 83617-3155 by both first class and certified mail on 7/25/2024, proof of which is in the possession of the Trustee; and on 7/25/2024 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.auction.com FOR AUTOMATED SALES INFORMATION PLEASE CALL: (800) 793-6107 THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. DATED: 8/27/2024 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 DATED: 08/27/2024 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 08/27/2024 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 NPP0464807 To: Whitman County Gazette 12/26/2024, 01/16/2025