NOTICE OF TRUSTEE'S SALE

NOTICE OF TRUSTEE'S SALE

PURSUANT TO THE REVISED CODE OF WASHINGTON

CHAPTER 61.24 RCW

INOTICE IS HEREBY GIVEN that the undersigned Trustee will on September 27, 2024, at the hour of 11:00 a.m., at the Inside Lobby of the Spokane County Courthouse, 1116 West Broadway, Spokane, 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 King, State of Washington, to wit:

LOT 3, BLOCK 26, RESURVEY OF BLOCK 26 HUTCHINSON'S ADDITION, AS PER PLAT RECORDED IN VOLUME S OF PLATS, PAGE 48, RECORDS OF SPOKANE COUNTY;

SITUATE IN THE CITY OF SPOKANE VALLEY, COUNTY OF SPOKANE, STATE OF WASHINGTON,

which is subject to that certain Deed of Trust dated March 15, 2017, recorded March 15, 2017, under Auditor's File No. 6585849, records of Spokane County, Washington, from Roland L. Benson and Laurali B. Benson, husband and wife, as Grantor, to UPF Services, LLC, as Trustee, to secure an obligation in favor of Banner Bank, as Beneficiary.

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:

Default other than failure to make monthly payments:

Grantor's failure to pay real property taxes when due.

Failure to pay when due the following amounts, which are now in arrears:

Monthly Payments:

Monthly Payments: 11 Interest Only Payments

(June 6, 2023 through April 6, 2024) $4,057.71

Late Charges: 11 at Variable Amounts each $202.89

(June 16, 2023 through April 22, 2024)

Advances for Property Tax Payment: $10,500.16

Property Inspection Fees: $105.00

Foreclosure Fees and Costs: $3,718.43

TOTAL MONTHLY PAYMENTS, LATE CHARGES, AND ADVANCES: $18,584.19

IV

The sum owing on the obligation secured by the Deed of Trust is:

Principal $54,914.55, together with interest from April 13, 2023, 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 27, 2024. The default(s) referred to in paragraph III must be cured by September 16, 2024 (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 September 16, 2024 (11 days before the sale date), the default(s) as set forth in paragraph III is/are cured and the Trustee's fees and costs are paid. The sale may be terminated any time after September 16, 2024 (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:

Estate of Ronald L. Benson

c/o Charity Ann Benson,

Personal Representative

113 N Hutchinson Rd.

Spokane Valley, WA 99212

Estate of Ronald L. Benson

c/o Charity Ann Benson,

Personal Representative

c/o Gregory L. Decker, Attorney

16201 E Indiana Ave. Ste. 1100

Spokane Valley, WA 99216-2838

Estate of Laurali B. Benson

c/o Charity Ann Benson,

Personal Representative

113 N Hutchinson Rd.

Spokane Valley, WA 99212

Estate of Laurali B. Benson

c/o Charity Ann Benson,

Personal Representative

c/o Gregory L. Decker

16201 E Indiana Ave. Ste. 1100

Spokane Valley, WA 99216-2838

by both first-class and certified mail on March 13, 2024, 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 15, 2024, 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 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.

THIS IS A COMMUNICATION FROM A DEBT COLLECTOR.

DATED: April 29th, 2024.

/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 29th day of April, 2024.

/s/ Rebecca Schrantz_______________________

Notary Public for Washington

THIS NOTICE IS THE FINAL STEP BEFORE THE FORECLOSURE SALE OF YOUR HOME.

You have only until 90 calendar days BEFORE the date of sale listed in this Notice of Trustee Sale to be referred to mediation. If this is an amended Notice of Trustee Sale providing a 45-day notice of the sale, mediation must be requested no later than 25 calendar days BEFORE the date of sale listed in this amended Notice of Trustee Sale.

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: http://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&searchstate=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: http://www.nwjustice.org/what-clear

Published August 29 and September 19, 2024