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Posted 08/05/2022
Ends 08/26/2022

NOTICE OF TRUSTEES SALE PURSUANT TO THE REVISED CODE OF WASHINGTON CHAPTER 61.24 RCW I NOTICE IS HEREBY GIVEN that the undersigned Trustee will on September 9, 2022, at the hour of 11:00 a.m., at the Gazebo in Front of the Public Service Center, 1300 Franklin Street, Vancouver, Washington, sell at public auction to the highest and best bidder, payable at the time of sale, the following-described real property, situated in the County of Clark, State of Washington, to wit: Lot 5, East Park Meadows Phase I, according to the plat thereof as recorded in Volume J of Plats, at page 346, records of Clark County, Washington, which is subject to that certain Deed of Trust dated April 2, 1997, recorded April 9, 1997, under Auditors File No. 9704090146, records of Clark County, Washington, from Cynthia Pederson, a single person, as Grantor, to Clark County Title Company, as Trustee, to secure an obligation in favor of Ford Housing Services, a div. of Associates Housing Finance Services, Inc., a Delaware Corporation, as Beneficiary. The beneficial interest of the Deed of Trust was assigned to Vanderbilt Mortgage and Finance, Inc. by instrument recorded on February 25, 2022 in the records of Clark County, Washington under Auditors file No. 3430930. II No action commenced by the current Beneficiary of the Deed of Trust is now pending to seek satisfaction of the obligation in any Court by reason of the Borrowers or Grantors default on the obligation secured by the Deed of Trust. III The default(s) for which this foreclosure is made is/are as follows: Default other than failure to make monthly payments: None that Beneficiary is aware of at this time. Failure to pay when due the following amounts, which are now in arrears: Monthly Payments: Monthly Payments at $437.80 each (from August 10, 2021 through December 10, 2021) $2,189.00 Monthly Payments at $443.54 each (from January 10, 2022 through April 10, 2022) $1,774.16 Late Charges at $5.00 each (from August 2021 through March 2022) $174.88 Foreclosure Fees and Costs: $2,691.10 TOTAL MONTHLY PAYMENTS, LATE CHARGES, AND ADVANCES: $6,828.54 IV The sum owing on the obligation secured by the Deed of Trust is: Principal $47,750.40, together with interest from July 10, 2021, as provided in the note or other instrument secured, 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, express or implied, regarding title, possession, or encumbrances on September 9, 2022. The default(s) referred to in paragraph III must be cured by August 29, 2022 (11 days before the sale date) to cause a discontinuance of the sale. The sale will be discontinued and terminated if at any time on or before August 29, 2022 (11 days before the sale date), the default(s) as set forth in paragraph III is/are cured and the Trustees fees and costs are paid. The sale may be terminated any time after August 29, 2022 (11 days before the sale date), and before the sale by the Borrower, Grantor, any Guarantors or the holder of any recorded junior lien or encumbrance 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 and Grantor at the following addresses: Cynthia Pederson 14316 NE 52nd St. Vancouver, WA 98682 by both first-class and certified mail on March 1, 2022, proof of which is in the possession of the Trustee; and the Borrower and Grantor were provided with said written notice of default as the written notice of default was posted on March 2, 2022, 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 objection to the 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 Trustees sale. X NOTICE TO OCCUPANTS OR TENANTS The purchaser at the trustees 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. THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. DATED: April 19, 2022 /s/ Jean M. McCoy Jean M. McCoy, Successor Trustee Address: Landerholm, P.S. 805 Broadway Street, Suite 1000 PO Box 1086 Vancouver, WA 98666 Telephone: (360) 696-3312 or (503) 894-9900 STATE OF WASHINGTON ) ) ss. County of Clark ) On this day personally appeared before me Jean M. McCoy, to me known to be the individual described in and who executed the within and foregoing instrument, and acknowledged that she signed the same as her voluntary act and deed, for the uses and purposes therein mentioned. GIVEN under my hand and official seal this 19th day of April 2022. /s/ Lila SoelbergNotary Public for Washington 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 (4663) Website: www.wshfc.org/buyers/counseling.htm The United States Department of Housing and Urban Development Telephone: 1-800-569-4287 Website:www.hud.gov/offices/hsg/sfh/hcc/fc/index.cfm?webListAction=search&search1state=WA&filterSvc=dfc The statewide civil legal aid hotline for assistance and referrals to other housing counselors and attorneys Telephone: 1-800-606-4819 Website: www.nwjustice.org/what-clear August 5, 26 - 711400

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Posted 08/05/2022
Ends 08/26/2022

NOTICE OF TRUSTEES SALE PURSUANT TO THE REVISED CODE OF WASHINGTON CHAPTER 61.24 RCW I NOTICE IS HEREBY GIVEN that the undersigned Trustee will on September 9, 2022, at the hour of 11:00 a.m., at the Gazebo in Front of the Public Service Center, 1300 Franklin Street, Vancouver, Washington, sell at public auction to the highest and best bidder, payable at the time of sale, the following-described real property, situated in the County of Clark, State of Washington, to wit: Lot 5, East Park Meadows Phase I, according to the plat thereof as recorded in Volume J of Plats, at page 346, records of Clark County, Washington, which is subject to that certain Deed of Trust dated April 2, 1997, recorded April 9, 1997, under Auditors File No. 9704090146, records of Clark County, Washington, from Cynthia Pederson, a single person, as Grantor, to Clark County Title Company, as Trustee, to secure an obligation in favor of Ford Housing Services, a div. of Associates Housing Finance Services, Inc., a Delaware Corporation, as Beneficiary. The beneficial interest of the Deed of Trust was assigned to Vanderbilt Mortgage and Finance, Inc. by instrument recorded on February 25, 2022 in the records of Clark County, Washington under Auditors file No. 3430930. II No action commenced by the current Beneficiary of the Deed of Trust is now pending to seek satisfaction of the obligation in any Court by reason of the Borrowers or Grantors default on the obligation secured by the Deed of Trust. III The default(s) for which this foreclosure is made is/are as follows: Default other than failure to make monthly payments: None that Beneficiary is aware of at this time. Failure to pay when due the following amounts, which are now in arrears: Monthly Payments: Monthly Payments at $437.80 each (from August 10, 2021 through December 10, 2021) $2,189.00 Monthly Payments at $443.54 each (from January 10, 2022 through April 10, 2022) $1,774.16 Late Charges at $5.00 each (from August 2021 through March 2022) $174.88 Foreclosure Fees and Costs: $2,691.10 TOTAL MONTHLY PAYMENTS, LATE CHARGES, AND ADVANCES: $6,828.54 IV The sum owing on the obligation secured by the Deed of Trust is: Principal $47,750.40, together with interest from July 10, 2021, as provided in the note or other instrument secured, 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, express or implied, regarding title, possession, or encumbrances on September 9, 2022. The default(s) referred to in paragraph III must be cured by August 29, 2022 (11 days before the sale date) to cause a discontinuance of the sale. The sale will be discontinued and terminated if at any time on or before August 29, 2022 (11 days before the sale date), the default(s) as set forth in paragraph III is/are cured and the Trustees fees and costs are paid. The sale may be terminated any time after August 29, 2022 (11 days before the sale date), and before the sale by the Borrower, Grantor, any Guarantors or the holder of any recorded junior lien or encumbrance 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 and Grantor at the following addresses: Cynthia Pederson 14316 NE 52nd St. Vancouver, WA 98682 by both first-class and certified mail on March 1, 2022, proof of which is in the possession of the Trustee; and the Borrower and Grantor were provided with said written notice of default as the written notice of default was posted on March 2, 2022, 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 objection to the 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 Trustees sale. X NOTICE TO OCCUPANTS OR TENANTS The purchaser at the trustees 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. THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. DATED: April 19, 2022 /s/ Jean M. McCoy Jean M. McCoy, Successor Trustee Address: Landerholm, P.S. 805 Broadway Street, Suite 1000 PO Box 1086 Vancouver, WA 98666 Telephone: (360) 696-3312 or (503) 894-9900 STATE OF WASHINGTON ) ) ss. County of Clark ) On this day personally appeared before me Jean M. McCoy, to me known to be the individual described in and who executed the within and foregoing instrument, and acknowledged that she signed the same as her voluntary act and deed, for the uses and purposes therein mentioned. GIVEN under my hand and official seal this 19th day of April 2022. /s/ Lila SoelbergNotary Public for Washington 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 (4663) Website: www.wshfc.org/buyers/counseling.htm The United States Department of Housing and Urban Development Telephone: 1-800-569-4287 Website:www.hud.gov/offices/hsg/sfh/hcc/fc/index.cfm?webListAction=search&search1state=WA&filterSvc=dfc The statewide civil legal aid hotline for assistance and referrals to other housing counselors and attorneys Telephone: 1-800-606-4819 Website: www.nwjustice.org/what-clear August 5, 26 - 711400