No. 11-46

Notice of Trustee's Sale Pursuant To the Revised Code of Washington 61 24 et seq File No 2010 125441 NOTICE IS HEREBY GIVEN that the undersigned Trustee RECONTRUST COMPANY N A on May 20, 2011 at 01:00 PM At the front entrance to the County Courthouse 64 Main Street Cathlamat WA 98612 State of Washington (subject to any conditions imposed by the trustee to protect the lender and borrower) will sell at public auction to the highest and best bidder payable at time of safe the following described real property situated in the county(ies) of Wahkiakum State of Washington Tax Parcel ID no 150806 32 0001 THAT PORTION OF THE NORTHWEST QUARTER OF THE SOUTHWEST QUARTER OF SECTION 15, TOWNSHIP 8 NORTH. RANGE 6 WEST OF THE WILLAMETTE MERIDIAN, LYING NORTHEASTERLY OF THE CENTERLINE OF THE COUNTY ROAD, DESCRIBED AS FOLLOWS, TO WIT: BEGINNING AT A POINT WHICH IS SOUTH 429 AND EAST 168.3 FEET FROM THE NORTHWEST CORNER OF SAID SOUTHWEST QUARTER; THENCE SOUTH PARALLEL WITH THE WEST LINE OF SAID SECTION, 209.09 FEET: THENCE SOUTH 57º41'08" EAST, 273.58 FEET; THENCE SOUTH 59º38'56" EAST, 347.81 FEET TO THE TRUE POINT OF BEGINNING; THENCE SOUTH 61º03'27" EAST, 192.23 FEET; THENCE NORTH 35º59'50" EAST, 124.06 FEET; THENCE NORTH 50º30'19" EAST, 59.7 FEET; THENCE NORTH 01º44'46" EAST, 132.91 FEET; THENCE NORTH 77º00'11" WEST. 130.1 FEET; THENCE SOUTH 38º26'46" WEST, 280.71 FEET TO THE TRUE POINT OF BEGINNING. TOGETHER WITH THAT PORTION OF SAID NORTHWEST QUARTER OF THE SOUTHWEST QUARTER OF SAID SECTION LYING NORTHEASTERLY OF THE CENTERLINE OF THE COUNTY ROAD, LYING SOUTHEASTERLY OF THE NORTHWESTERLY LINE OF SAID TRACT EXTENDED SOUTH 38º26'46" WEST TO THE CENTERLINE OF SAID COUNTY ROAD. AND LYING NORTHWESTERLY OF THE SOUTHEASTERLY LINE OF SAID TRACT EXTENDED SOUTH 35º59'50" WEST TO THE CENTERLINE OF SAID COUNTY ROAD EXCEPTING THEREFROM COUNTY ROAD RIGHT OF WAY. SITUATE [N THE COUNTY OF WAHKIAKUM, STATE OF WASHINGTON. Commonly Known as 370 NORTH WELCOME SLOUGH ROAD Cathlamet WA 98612 which is subject to that certain Deed of Trust dated 07/31/2006 recorded on 08/01/2006 under Auditors File No 2011212 and Deed of Trust re recorded on_ under Auditors File No_ records of Wahkiakum County Washington from LISA LAUKKANEN as grantor to STEWART TITLE as Trustee to secure an obligation in favor of MORTGAGE ELECTRONIC REGISTRATION SYSTEMS INC as beneficiary the beneficial interest in which was assigned by MORTGAGE ELECTRONIC REGISTRATION SYSTEMS INC to BAC HOME LOANS SERVICING LP FKA COUNTRYWIDE HOME LOANS SERVICING LP under an Assignment/Successive Assignments recorded under Auditors File No 201752 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 Grantor's or Borrower's default on the obligation secured by the Deed of Trust. Ill The Beneficiary alleges default of the Deed of Trust for failure to pay the following amounts now in arrears and/or other defaults: A Monthly Payments $37,323.00 B Late Charges $726.39 C Escrow Deficiency $0.00 D Suspense Balance ($819.51) E Other Fees $1,362.46 Total Arrears $38,592.34 F Trustee s Expenses (Itemization) Trustee s Fee $337.50 Title Report $882.32 Statutory Mailings $12.64 Recording Fees $132.00 Publication $0.00 Posting $300.00 Total Costs $1,664.46 Total Amount Due $40,256.80 Other potential defaults do not involve payment of the Beneficiary. If applicable, each of these defaults must also be cured. Listed below are categories of common defaults, which do not involve payment of money to the Beneficiary. Opposite each such listed default is a brief description of the action/documentation necessary to cure the default. The list does not exhaust all possible other defaults; any defaults identified by Beneficiary or Trustee that are not listed below must also be cured. Other default, Action necessary to cure Nonpayment of Taxes/Assessments Deliver to Trustee written proof that all taxes and assessments against the property are paid current Default under any senior lien Deliver to Trustee written proof that all senior liens are paid current and that no other defaults exist. Failure to insure property against hazard Deliver to Trustee written proof that the property is insured against hazard as required by the Deed of Trust. Waste Cease and desist from committing waste, repair all damage to property and maintain property as required in Deed of Trust. Unauthorized sale of property (Due on Sale) Revert title to permitted vestee. IV The sum owing on the obligation secured by the Deed of Trust is Principal Balance of $231,934.81 together with interest as provided in the note or other instrument secured from 09/01/2009 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 the 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 05/20/2011 The default(s) referred to in paragraph III together with any subsequent payments late charges advances costs and fees thereafter due must be cured by 05/09/2011 (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 the close of the Trustees business on 05/09/2011 (11 days before the sale date) the defaults(s) as set forth in paragraph 111 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 The sale may be terminated any time after 05/09/2011 (11 days before the sale date) and before the sale by the Borrower Grantor and Guarantor or the holder of any recorded junior lien or encumbrance paying the entire balance of 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 VI A written notice of default was transmitted by the Beneficiary or Trustee to the Borrower and Grantor at the address(es) enclosed LISA LAUKKANEN 370 N Welcome Slough Rd Cathlamet WA 98612 LISA LAUKKANEN 205 N WELCOME SLOUGH ROAD Cathlamet WA 98612 LISA LAUKKANEN 370 NORTH WELCOME SLOUGH ROAD Cathlamet WA 98612 by both first class and either certified mail return receipt requested or registered mad on 10/20/2010 proof of which is in the possession of the Trustee and on 10/21/2010 Grantor and Borrower were personally served with said written notice of default or the written notice of default was posted on a conspicuous place on the real property described in paragraph I above and the Trustee has possession 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 foreclosure costs and trustee's 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 right, title and interest in the above-described property. IX. Anyone having any objections 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 and tenants. After the 20th day following the sale of the purchaser has the right to evict occupants and tenants by summary proceedings under the unlawful detainer act, Chapter 59.12 RCW For tenant-occupied property, the purchaser shall provide a tenant with written notice in accordance with RCW 61.24.060; and/or any applicable Federal Law. DATED: 02/15/2011 ReconTrust Company, N.A. By STEPHANIE MUNGUIA Its Assistant Secretary ReconTrust Company, N.A. P.O. Box 10284 Van Nuys, CA 91410-0284 Phone: (800) 281-8219 This firm is attempting to collect a debt. Any information obtained will be used for that purpose. The debt set forth on this notice will be assumed to be valid unless you dispute the debt by providing this office with a written notice of your dispute within 30 days of your receipt of this notice, setting forth the basis of your dispute. If you dispute the debt in writing within 30 days, we will obtain and mail verification of the debt to you. If the creditor identified in this notice is different than your original creditor, we will provide you with the name and address of the original creditor if you request this information in writing within 30 days. ASAP# FNMA3914897 04/21/2011, 05/12/2011

Publish April 21, 2011 and May 12, 2011