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Wednesday, July 11, 2012, The Sun 11 IN THE CIRCUIT COURT OF THE STATE OF OREGON FOR THE COUNTY YAMHILL M&T BANK Plaintiff, VS. ERIK M. BECK; BELINDA V. BECK; OREGON DEPARTMENT OF REVENUE;UNITED STATES OF AMERICA (INTERNAL REVENUE SERVICE); OCCUPANTS OF THE PROPERTY Defendants. Case No.: CV120337 SUMMONS BY PUBLICATION To: Belinda V. Beck Address: 905 Fircrest Drive, Newberg, OR 97132 You are hereby required to appear and defend the Com- plaint filed against you in the above entitled cause within thirty (30) days from the date of service of this summons upon you, and in case of your failure to do so, for want thereof, Plaintiff will apply to the courtfor the relief de- manded in the Complaint. NOTICE TO DEFENDANT: READ THESE PAPERS CAREFULLY! You must "appear" in this case or the other side will win automatically. To "appear" you must file with the court a legal paper called a "motion" or "an- swer." The "motion" or "an- swer" (or "reply") must be given to the court clerk or ad- minlatrator within 30 days of the date of first publication specified herein along with the required filing fee. It must be in proper form and have proof of service on the plaintiffs attorney or, if the plaintiff does not have an attorney, proof of service on the plaintiff. If you have questions, you should see an attorney imme- diately. If you need help in find- ing an attorney, you may call the Oregon State Bar's Lawyer Referral Service at (503) 684- 3763 or toll-free in Oregon at (800) 452-7636. The relief sought in the Complaint is the foreclosure of the property located at 905 Fircrest Drive, Newberg, OR 97132. Date of First Publication: June 27, 2012. Matthew Booth OSB #082663 Russell Whittaker, OSB # 115540 8995 SW Miley Road, Ste. 103 Wilsonville, OR 97070 Phone: (503) 694-1145 Fax: (503) 694-1460 mbooth@mccarlhyholthus.com , hittaker@ lthus.com Attorneys for Plaintiff I certify that the foregoing is an exact and complete copy of the original summons in the above entitled cause. Matthew Booth, OSB#082663 Russell Whittaker, OSB#115540 Publish: The Sun, June 27 and July 4, 11 and 18, 2012. TRUSTEE'S NOTICE OF SALE Pursuant to O.R.S. 86.705 et seq. and O.R.S. 79.5010, et seq. Trustee's Sale No. 09- FBU-118412 NOTICE TO BOR- ROWER: YOU SHOULD BE AWARE THAT THE UNDER- SIGNED IS ATTEMPTING TO COLLECT A DEBT AND THAT ANY INFORMATION OB- TAINED WILL BE USED FOR THAT PURPOSE. Reference is made to that certain Deed of Trust made by, NADER FARHAT, A SINGLE MAN, as grantor, to ESTHER SANTO, SR. VP OF NATIONAL OPERA- TIONS, BANKUNITED, FSB, as Trustee, in favor of MORT- GAGE ELECTRONIC REGIS- TRATION SYSTEMS, INC. AS NOMINEE FOR BANKUNITED, FSB ITS SUCCESSORS AND ASSIGNS, as beneficiary, dated 8/9/2007, recorded 8/14/ 2007, under Instrument No. 200718194, records of YAM- HILL County, OREGON. The beneficial interest under said Trust Deed and the obligations secured thereby are presently held by BankUnited, N.A.. Said Trust Deed encumbers the fol- lowing described real property situated in said county and state, to-wit: LOT 154, THE GREENS AT SPRINGBROOK NO. 3, IN THE CITY OF NE-W- BERG, COUNTY OF YAMHILL, STATE OF OREGON. The street address or other com- mon designation, if any, of the real property described above is purported to be: 139 AR- GYLE COURT NEWBERG, OR 97132 The undersigned Trustee disclaims any liability for any incorrectness of the above street address or other common designation.. Both the beneficiary and the trustee have elected to sell the said real property to satisfy the obliga- tions secured by said trust deed and a notice of default has been recorded pursuant to Oregon Revised Statutes 86.735 (3); the default for which the foreclosure is made is grantor's failure to pay when due, the following sums: Amount due as of June 13, 2012 Delinquent Payments from January 01, 2012 6 pay- ments at $2,080.16 each $12,480.96 (01-01-12 through 06-13-12) Late Charges: $325.60 Beneficiary Advances: $112.00 Suspense Credit: $0.00 TOTAL: $12,918.56 ALSO, if you have failed to pay taxes on the property, provide insurance on the property or pay other senior liens or en- cumbrances as required in the note and deed of trust, the ben- eficiary may insist that you do so in order to reinstate your account in good standing. The beneficiary may require as a condition to reinstatement that you provide reliable written evi- dance that you have paid all senior liens or encumbrances, property taxes, and hazard in- surance premiums. These re- quirements for reinstatement should be confirmed by con- tacting the undersigned Trustee. By reason of said de- fault, the beneficiary has de- clared all sums owing on the obligation secured by said trust deed immediately due and payable, said sums being the following: UNPAID PRINCIPAL BALANCE OF $401,758.38, PLUS interest thereon at 2.000% per annum from 12/1/ 2011, until paid, together with escrow advances, foreclosure costs, trustee fees, attorney fees, sums required for the pro- tection of the property and ad- ditional sums secured by the Deed of Trust. WHEREFORE, notice hereby is given that the undersigned trustee, will on October 15, 2012, at the hour of 11:00 AM, in accord with the standard oftime established by ORS 187.110, at FRONT EN- TRANCE OF THE YAMHILL COUNTY COURTHOUSE, 535 E. 5TH STREET, McMINN- VILLE, County of YAMHILL, State of OREGON, sell at pub- lic auction to the highest bid- der for cash, the interest in the said described property which the grantor had, or had the power to convey, at the time of the execution by him of the said trust deed, together with any interest which the grantor or his successors in interest acquired after the execution of said trust deed, to satisfy the foregoing obligations thereby secured and the costs and expenses of sale, including 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 foreclo- sure proceeding dismissed and the trust deed reinstated by payment to the beneficiary 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 capable of being cured by ten- dering the performance re- quired under the obligation or trust deed, and in addition to paying said sums or tendering the performance necessary to cure the default, by paying all costs and expenses actually incurred in enforcing the obli- gation and trust deed, together with trustee's and attorney's fees not exceeding the amounts provided by said ORS 86.753. In construing this no- tice, the masculine gender in- cludes the feminine and the neuter, the singular includes the plural, the word "grantor" in- cludes any successor in inter- est to the grantor as well as any other person owing an obliga- tion, the performance of Which is secured by said trust deed, and the words "trustee" and "beneficiary" include their re- spective successors in interest, if any. Anyone having any ob- jection to the sale on any grounds whatsoever will be af- forded an opportunity to be heard as to those objections if they bring a lawsuit to restrain the same. NOTICE TO RESI- DENTIAL TENANTS: The prop- arty in which you are living is in foreclosure. A foreclosure sale is scheduled for October 15, 2012. Unless the lender who is foreclosing on this property is paid, the foreclosure will go through and someone new will own this property. The follow- ing information applies to you only if you occupy and rent this property as a residential dwell- ing under a legitimate rental agreement. The information does not apply to you if you own this property or if you are not a residential tenant. If the foreclosure goes through, the business or individual who buys this property at the fore- closure sale has the right to re- quire you to move out. The buyer must first give you an eviction notice in writing that specifies the date by which you must move out. The buyer may not give you this notice until after the foreclosure sale hap- pens. If you do not leave be- fore the move-out date, the buyer can have the sheriff re- move you from the property after a court hearing. You will receive notice of the court hear- ing. FEDERAL LAW RE- QUIRES YOU TO BE NOTI- FIED IF YOU ARE OCCUPY- ING AND RENTING THIS PROPERTY AS A RESIDEN- TIAL DWELLING UNDER A LEGITIMATE RENTALAGREE- VENT, FEDERAL LAW RE- QUIRES THE BUYER TO GIVE YOU NOTICE IN WRITING A CERTAIN NUMBER OF DAYS BEFORE THE BUYER CAN REQUIRE YOU TO MOVE OUT. THE FEDERAL LAW THAT RE- QUIRES THE BUYER TO GIVE YOU THIS NOTICE IS EFFEC- TIVE UNTIL DECEMBER 31, 2012. Under federal law, the buyer must give you at least 90 days notice in writing before requiring you to move out. If you are renting this property under a fixed-term lease (for example, a six-month or one- year lease), you may stay until the end of your lease term. If the buyer wants to move in and use this property as the buyer's primary residence, the buyer can give you written notice and require you to move out after 90 days, even if you have a fixed-term lease with more than 90 days left. STATE LAW NO- TIFICATION REQUIREMENTS: IF THE FEDERAL LAW DOES NOT APPLY, STATE LAW STILL REQUIRES THE BUYER TO GIVE YOU NOTICE IN WRIT- ING BEFORE REQUIRING YOU TO MOVE OUT IF YOU ARE OCCUPYING AND RENT- ING THE PROPERTY AS A TENANT IN GOOD FAITH. EVEN IF THE FEDERAL LAW REQUIREMENT IS NO LONGER EFFECTIVE AFTER DECEMBER 31, 2012, THE REQUIREMENT UNDER STATE LAW STILL APPLIES TO YOUR SITUATION. Under state law, if you have a fixed- term lease (for example, a six- month or one-year lease), the buyer must give you at least 60 days notice in writing before requiring you to move out. If the buyer wants to move in and use this property as the buyer's pri- mary residence, the buyer can give you written notice and re- quire you to move out after 30 days, even if you have a fixed- term lease with more than 30 days left. If you are renting un- der a month-to-month or week- to-week rental agreement, the buyer must give you at least 30 days notice in writing before requiring you to move out. IM- PORTANT: For the buyer to be required to give you notice un- der state law, you must prove to the business or individual who is handling the foreclosure sale that you are occupying and renting this property as a residential dwelling under a le- gitimate rental agreement. The name and address of the busi- ness or individual who is han- dling the foreclosure sale is shown on this notice under the heading "TRUSTEE". You must mail or deliver your proof not later than 9/14/2012 (30 days before the date first set for the foreclosure sale). Your proof must be in writing and should be a copy of your rental agree- ment or lease. If you do not have a written rental agreement or lease, you can provide other proof, such as receipts for rent you paid. ABOUT YOUR SE- CURITY DEPOSIT Under state law, you may apply your secu- rity deposit and any rent you paid in advance against the current rent you owe your land- lord. To do this, you must no- tify your landlord in writing that you want to subtract the amount of your security deposit or prepaid rent from you rent payment. You may do this only for the rent you owe you cur- rent landlord. If you do this, you must do so before the foreclo- sure sale. The business or in- dividual who buys this property at the foreclosure sale is not responsible to you for any de- posit or prepaid rent you paid to your landlord. ABOUT YOUR TENANCY AFTER THE FORE- CLOSURE SALE The business or individual who buys this property at the foreclosure sale may be willing to allow you to stay as a tenant instead of re- quiring you to move out. You should contact the buyer to dis- cuss that possibility if you would like to stay. Under state law, if the buyer accepts rent from you, signs a new residen- tial rental agreement with you or does not notify you in writ- ing within 30 days after the date of the foreclosure sale that you must move out, the buyer be- comes your new landlord and must maintain the property. Otherwise, the buyer is not your landlord and is not responsible for maintaining the property on your behalf and you must move out by the date the buyer speci- fies in a notice to you. YOU SHOULD CONTINUE TO PAY RENT TO YOUR LANDLORD UNTIL THE PROPERTY IS SOLD TO ANOTHER BUSI- NESS OR INDIVIDUAL OR UNTIL A COURT OR A LENDER TELLS YOU OTHER- WISE. IF YOU DO NOT PAY RENT, YOU CAN BE EVICTED. AS EXPLAINED ABOVE, YOU MAY BE ABLE TO APPLY A DEPOSITYOU MADE OR PRE- PAID RENT YOU PAID AGAINST YOUR CURRENT RENT OBLIGATION. BE SURE TO KEEP PROOF OF ANY PAY- MENTS YOU MAKE AND OF ANY NOTICE YOU GIVE OR RECEIVE CONCERNING THE APPLICATION OF YOUR DE- POSIT OR YOUR PREPAID RENT. IT IS UNLAWFUL FOR ANY PERSON TO TRY TO FORCE YOU TO LEAVE YOUR HOME WITHOUT FIRST GO- ING TO COURT TO EVICT YOU. FOR MORE INFORMA- TION ABOUT YOUR RIGHTS, YOU MAY WISH TO CONSULT A LAWYER. If you believe you need legal assistance, contact the Oregon State Bar at 800- 452-7636 and ask for lawyer referral service. Contact infor- mation for the Oregon State Bar is included with this notice. If you do not have enough money to pay a lawyer and are otherwise eligible, you may be able to receive legal assistance for free. Information about whom to contact for free legal assistance may be obtained through Safenet at 800- SAFENET. DATED: 6/13/2012 REGIONAL TRUSTEE SER- VICES CORPORATION Trustee By: ANGELIQUE CONNELL, AUTHORIZED AGENT 616 1 st Avenue, Suite 500, Seattle, WA 98104 Phone: (206)340-2550 Sale Information: http:// www.rtrustee.com A-4259401 06/27/2012, 07/04/2012, 07/11/ 2012, 07/18/2012 TRUSTEE'S NOTICE OF SALE TS. No.: OR-12-510000-SH Reference is made to that cer- tain deed made by LORI DEYARMOND, AN ESTATE IN FEE SIMPLE, as Grantor to FI- DELITY NATIONAL TITLE IN- SURANCE COMPANY, as trustee, in favor of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., ("MERS") AS NOMINEE FOR COUNTRY- WIDE BANK, FSB, as Benefi- ciary, dated 3/14/2008, re- corded 3/21/2008, in official records of YAMHILL County, Oregon in book / reel / volume number fee / file / instrument / microfile / reception number 200804942,, covering the fol- lowing described real property situated in said County and State, to-wit: APN: 40039 LOT 8, BLOCK 1, BOYER MEAD- OWS, IN THE CITY OF NEW- BERG, YAMHILL COUNTY, OREGON. Commonly known as: 305 PINEHURST DR, NEW- BERG, OR 97132 Both the ben- eficiary and the trustee have elected to sell the said real property to satisfy the obliga- tions secured by said trust deed and notice has been re- corded pursuant to Section 86.735(3) of Oregon Revised Statutes: the default for which the foreclosure is made is the grantors: The installments of principal and interest which became due on 1/1/2012, and all subsequent installments of principal and interest through the date of this Notice, plus amounts that are due for late charges, delinquent property taxes, insurance premiums, advances made on senior liens, taxes and/or insurance, trustee's fees, and any attorney fees and court costs arising from or associated with the beneficiaries efforts to protect and preserve its security, all of which must be paid as a con- dition of reinstatement, includ- ing all sums that shall accrue through reinstatement or pay- off. Nothing in this notice shall be construed as a waiver of any fees owing to the Beneficiary under the Deed of Trust pursu- ant to the terms of the loan documents. Monthly Payment $1,335.08 Monthly Late Charge $66.75 By this reason of said default the beneficiary has de- clared all obligations secured by said deed of trust immedi- ately due and payable, said sums being the following, to- wit: The sum of $204,204.55 together with interest thereon at the rate of 6.3750 per annum from 12/1/2011 until paid; plus all accrued late charges thereon; and all trustee's fees, foreclosure costs and any sums advanced by the benefi- ciary pursuant to the terms of said deed of trust. Whereof, notice hereby is given that Quality Loan Service Corpora- tion of Washington, the under- signed trustee will on 10/9/2012 at the hour of 11:00:00 AM, Standard of Time, as estab- lished by section 187.110, Or- egon Revised Statues, At the front entrance of the Court- house, 535 East 5th Street, McMinnville, OR 97128 County of YAMHILL, State of Oregon, sell at public auction to the highest bidder for cash the in- terest in the said described real property which the grantor had or had power to convey at the time of the execution by him of the said trust deed, together with any interest which the grantor or his successors in in- terest acquired after the execu- tion of said trust deed, to sat- isfy the foregoing obligations thereby secured and the costs and expenses of sale, includ- ing a reasonable charge by the trustee. Notice is further given that any person named in Sec- tion 86.753 of Oregon Revised Statutes has the right to have the foreclosure proceeding dis- missed and the trust deed re- instated by payment to the ben- eficiary of the entire amount then due (other than such por- tion of said principal as would not then be due had no default occurred), together with the costs, trustee's and attorney's fees and curing any other de- fault complained of in the No- tice of Default by tendering the performance required under the obligation or trust deed, at any time prior to five days be- fore the date last set for sale. For Sale Information Call: 714- 730-2727 or Login to: www.lpsasap.com In constru- ing this notice, the masculine gender includes the feminine and the neuter, the singular in- cludes plural, the word "grantor" includes any succes- sor in interest to the grantor as well as any other persons ow- ing an obligation, the perfor- mance of which is secured by said trust deed, the words "trustee" and "beneficiary" in- clude their respective succes- sors in interest, if any. Pursu- ant to Oregon Law, this sale will not be deemed final until the Trustee's deed has been is- sued by Quality Loan Service Corporation of Washington. If there are any irregularities dis- covered within 10 days of the date of this sale, that the trustee will rescind the sale, return the buyer's money and take further action as necessary. If the sale is set aside for any reason, in- cluding if the Trustee is unable to convey title, the Purchaser at the sale shall be entitled only to a return of the monies paid to the Trustee. This shall be the Purchaser's sole and exclusive remedy. The purchaser shall have no further recourse against the Trustor, the Trustee, the Beneficiary, the Beneficiary's Agent, or the Beneficiary's Attorney. If you have previously been dis- charged through bankruptcy, you may have been released of personal liability for this loan in which case this letter is in- tended to exercise the note holders right's against the real property only. THIS OFFICE IS ATTEMPTING TO COLLECT A DEBT AND ANY INFORMA- TION OBTAINED WILL BE USED FOR THAT PURPOSE. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submit- ted to a credit report agency if you fail to fulfill the terms of your credit obligations. Dated: 6/4/ 12 Quality Loan Service Corpo- ration of Washington, as trustee Signature By: Timothy Donlon, Assistant Secretary Quality Loan Service Corp. of Wash- ington c/o Quality Loan Service Corp. 2141 5th Avenue San Diego, CA 92101 For Non-Sale Information: Quality Loan Ser- vice Corporation of Washington c/o Quality Loan Service Corp. 2141 5th Avenue San Diego, CA 92101 619-645-7711 Fax: 619-645-7716 A-4255180 06/ 20/2012, 06/27/2012, 07/04/ 2012, 07/11/2012 TRUSTEE'S NOTICE OF SALE T.S. No.: OR-12-501707-SH Reference is made to that cer- tain deed made by CRAIG TEDFORD AND TAMI TEDFORD, as Grantor to FIRST AMERICAN TITLE INS CO, as trustee, in favor of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., ("MERS") AS NOMINEE FOR M&T BANK, as Beneficiary, dated 1/27/2010, recorded 2/2/2010, in official records of YAMHILL County, Oregon in book / reel / volume number fee / file / instrument / microfile / reception number 201001546,, covering the fol- lowing described real property situated in said County and State, to-wit: APN: R2327 00600 Part of the East one-haif of the Northeast one-quarter of Section 27, Township 2 South, Range 3 West, of the Willamette Meridian, Yarnhill County, Or- egon, being more particularly described as follows: BEGIN- NING at an iron pipe on the East line of Section 27, being North 3-0 56' West 1814.75 feet from the Southeast corner of the said Northeast Quarter; thence South 83-0 03-1/2' West 827.68 feet to an iron pipe and the true point of beginning of this tract; thence South 83-0 03- 1/2' West 477.62 feet to the West line of said East one-half of the Northeast Quarter; thence South 2-0 23' East 468.88 feet to the Southwest comer of the Northeast Quarter of the Northeast Quarter of said Sec- tion 27; thence North 83-0 41' East 380.23 feet to an iron rod in the center of County Market Road No. 103; thence North 62-0 57' West 51.98 feet to an iron rod; thence North 14- 57' East 476.89 feet to said true point of beginning. Commonly known as: 21500 SW BALD PEAK ROAD, HILLSBORO, OR 97123 Both the beneficiary and the trustee have elected to sell the said real property to satisfy the obligations secured by said trust deed and notice has been recorded pursuant to Section 86.735(3) of Oregon Revised Statutes: the default for which the foreclosure is made is the grantors: Monthly Payment $2,285.05 Monthly Late Charge By this reason of said default the beneficiary has declared all obligations secured by said deed of trust immediately due and payable, said sums being the following, to-wit: The sum of $357,476.94 together with interest thereon at the rate of 4.7500 per annum from 11/1/ 2011 until paid; plus all accrued late charges thereon; and all trustee's fees, foreclosure costs and any sums advanced by the beneficiary pursuant to the terms of said deed of trust. Whereof, notice hereby is given that Quality Loan Service Cor- poration of Washington, the undersigned trustee will on 10/ 9/2012 at the hour of 11:00:00 AM, Standard of Time, as es- tablished by section 187.110, Oregon Revised Statues, At the front entrance of the Court- house, 535 East 5th Street, McMinnville, OR 97128 County of YAMHILL, State of Oregon, sell at public auction to the highest bidder for cash the in- terest in the said described real property which the grantor had or had power to convey at the time of the execution by him of the said trust deed, together with any interest which the grantor or his successors in in- terest acquired after the execu- tion of said trust deed, to sat- isfy the foregoing obligations thereby secured and the costs and expenses of sale, includ- ing a reasonable charge by the trustee. Notice is further given that any person named in Sec- tion 86.753 of Oregon Revised Statutes has the right to have the foreclosure proceeding dis- missed and the trust deed re- instated by payment to the ben- eficiary of the entire amount then due (other than such por- tion of said principal as would not then be due had no default occurred), together with the costs, trustee's and attorney's fees and curing any other de- fault complained of in the No- tice of Default by tendering the performance required under the obligation or trust deed, at any time prior to five days be- fore the date last set for sale. For Sale Information Call: 714- 730-2727 or Login to: www.lpsasap.com In constru- ing this notice, the masculine gender includes the feminine and the neuter, the singular in- cludes plural, the word "grantor" includes any succes- sor in interest to the grantor as well as any other persons ow- ing an obligation, the perfor- mance of which is secured by said trust deed, the words "trustee" and "beneficiary" in- clude their respective succes- sors in interest, if any. Pursu- ant to Oregon Law, this sale will not be deemed final until the Trustee's deed has been is- sued by Quality Loan Service Corporation of Washington. If there are any irregularities dis- covered within 10 days of the date of this sale, that the trustee will rescind the sale, return the buyer's money and take further action as necessary. If the sale is set aside for any reason, in- cluding if the Trustee is unable to convey title, the Purchaser at the sale shall be entitled only to a return of the monies paid to the Trustee. This shall be the Purchaser's sole and exclusive remedy. The purchaser shall have no further recourse against the Trustor, the Trustee, the Beneficiary, the Beneficiary's Agent, or the Beneficiary's Attorney. If you have previously been dis- charged through bankruptcy, you may have been released of personal liability for this loan in which case this letter is in- tended to exercise the note holders right's against the real property only. THIS OFFICE IS ATTEMPTING TO COLLECT A DEBT AND ANY INFORMA- TION OBTAINED WILL BE USED FOR THAT PURPOSE. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submit- ted to a credit report agency if you fail to fulfill the terms of your credit obligations. Dated: 6/4/ 12 Quality Loan Service Corpo- ration of Washington, as trustee Signature By: "timothy Donlon, Assistant Secretary Quality Loan Service Corp. of Wash- ington c/o Quality Loan Service Corp. 2141 5th Avenue San Diego, CA 92101 For Non-Sale Information: Quality Loan Ser- vice Corporation of Washington c/o Quality Loan Service Corp. 2141 5th Avenue San Diego, CA 92101 619-645-7711 Fax: 619-645-7716 A-FN4255186 06/20/2012, 06/27/2012, 07/04/ 2012, 07/11/2012