April 10, 2020 5:20 a.m.
08-20 / 886562 NOTICE OF TRUSTEE'S SALE TO BE SOLD FOR CASH AT TRUSTEE'S SALE on July 30, 2020, at 10:00 o'clock A.M. (recognized local time) at the Main Door of the Lincoln County Courthouse, located at, 512 California Ave, Libby MT , the following described real property, situated in Lincoln County, Montana: Lot 5A of the Amended Plat of Cielo Lindo Estates #2, according to the map or plat thereof on file in the office of the Clerk and Recorder, Lincoln County, Montana. CS #4226RB Commonly known as: NHN Highway 93 South, Lot 5A Cielo Lindo Road, Eureka, MT 59930 Joshua Ernest Johnson and Sky Christine Johnson, as Grantor(s), conveyed said real property to First American Title Company, as Trustee, to secure an obligation owed to Leticia Santiago Frey, as Beneficiary, by Deed of Trust dated November 09, 2016, and recorded November 10, 2016, as Book 365 Page 299 Document No. 266112. The Beneficial interest is currently held by Leticia Santiago Frey. First American Title Company of Montana, Inc., is the Successor Trustee pursuant to a Substitution of Trustee recorded in the office of the Clerk and Recorder of Lincoln County, Montana. Joshua Ernest Johnson and Sky Christine Johnson has defaulted in the performance of said Deed of Trust by failing to make the monthly payment of $429.86 plus an escrow fee of $8.00 for a total monthly payment of $437.86 due for the 9th day of May, 2018 and a like sum of $437.86 due for the 9th day of each and every month thereafter, which monthly installments would have been applied on the principal and interest due on said obligation, and other charges against the property or loan. As of March 18, 2020 there is due and owing on the loan an unpaid principal balance of $59,557.89, accrued interest in the amount of $8,421.80 plus late fees in the amount of $494.27, for a total amount due of $68,473.96. Interest accrues on the Note at the rate of 10% per annum with a per diem rate of $16.32 after March 18, 2020. Interest continues to accrue. All delinquencies are now due together with any late charges, advances to protect the security, and fees and costs associated with this foreclosure. The Beneficiary anticipates and may disperse such amounts as may be required to preserve and protect the property and for real property taxes that may become due or delinquent, unless such amounts of taxes are paid by the Grantors. If such amounts are paid by the Beneficiary, the amounts or taxes will be added to the obligation secured by the Deed of Trust. Other expenses to be charged against the proceeds of this sale include the Trustee's fees and attorney's fees, costs and expenses of the sale, and late charges, if any. Beneficiary has elected and has directed the Trustee to sell the above described property to satisfy the obligation. The sale is a public sale and any person, including the Beneficiary, excepting only the Trustee, may bid at the sale. The bid price must be paid in cash at the time of sale. The conveyance will be made by Trustee's Deed. The sale purchaser shall be entitled to possession of the property on the 10th day following the sale. The Grantor, successor in interest to the Grantor, or any other person having an interest in the property, at any time prior to the Trustee's Sale, may pay to the Beneficiary to the successor in interest to the Beneficiary the entire amount then due under the Deed of Trust and the obligation secured thereby (including costs and expenses actually incurred and attorney's fees) other than such portion of the principal as would not then be due had no default occurred and thereby cure the default. The scheduled Trustee's sale may be postponed by public proclamation up to fifteen (15) days for any reason, and in the event of a bankruptcy filing, the sale may be postponed by the Trustee for up to one-hundred twenty (120) days by public proclamation at least every thirty (30) days. DATED: March 17, 2020 By: /s/Rae Albert, Assistant Secretary for First American Title Company of Montana, Inc. c/o Title Financial Specialty Services PO Box 339 Blackfoot, ID 83221 STATE OF Idaho SS. COUNTY OF Bingham On this March 17, 2020, before me, a Notary Public in and for said State, personally appeared Rae Albert, known or identified to me, to be the Assistant Secretary of First American Title Company of Montana, Inc, who is named as the Successor Trustee in the above described Deed of Trust and executed the instrument on behalf of said Successor Trustee, and acknowledged to me that said Successor Trustee executed the same. Shannon Gavin Notary Public of Idaho Residing at: Blackfoot, Idaho CommissionExpires 01/19/2024 Published In The Western News April 3, 10, & 17, 2020. MNAXLP